BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a private student loan consolidation loan through Wells Fargo with a cosigner. I have been making my loan payments on time since XXXX/XXXX/XXXX and I made my first loan payment on time on XXXX/XXXX/XXXX. That is 73 payments on time in a row. According to Wells Fargo only 24 payments in a row, since I paid my first payment on time, are needed to release my cosigner. I applied to have my cosigner released. I had to call and request a form from Wells Fargo. I got the form and signed it and added a pay stub as proof of income. Then mailed the form back to Wells Fargo. Despite my income of over XXXX gross a month and good payment history on the loan I was denied a release of my cosigner by Wells Fargo since I had a bankruptcy on my credit 6 years ago. I feel this requirement for releasing my cosigner was never disclosed when I got the loan. Wells Fargo misled me about how hard it would be to remove the cosigner. I feel this new requirement of never having a bankruptcy is n't even a valid requirement because these student loans can not be dismissed in Bankruptcy. I will submit my payment history on the student loan, The letter I received saying I was denied and the reason, and I will submit a pay stub for proof of income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Navy Federal provided a pre approval letter and told me I was qualified to purchase a home. Settlement day came and they were unable to fund ( they needed more time ) buyer told them she could not wait because she would be homeless and needed a place to live now. they refused to issue any type of letter saying that the loan was not ready and the buyer is now being sued by the seller because she did not provide the letter to the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card
Issue: Payoff process

Complaint:
I financed XXXX through Wells Fargo Financial National Bank ( Wells Fargo Health Advantage ) in XX/XX/XXXX for {$6700.00} which would remain interest free as long as paid off by XX/XX/XXXX. Well, due to health issues with hefty medical bills, I failed to pay it off on time so the interest started building. I notified Wells Fargo of the hardship my family was facing and asked if there was some type of hardship payment plan or anything they could do to give me some time. I was told that Wells Fargo does n't offer anything like that ... that I needed to get in touch with a debt relief company and see how they could help me, which I did! I was facing the probability of XXXX ( which was only XXXX-to my parrot ) and my husband, who is a small business owner, had just had a XXXX-the XXXX, and survived. He was not a XXXX so ... .. Anyway, I could n't qualify for a loan, but after explaining my situation, they offered me a high balance, low interest, credit card that would cover most of the debt. I was ecstatic! However, after calling WF back, they laughed at me telling me I was crazy for thinking they would accept a credit card. I told them I did as I was told and this is what was offered. I asked her to have her supervisor call me ASAP. After never receiving a return call, I entered an online message for a follow up call. I believe XXXX called and said he 'd see what he could do. Again, no return call so I consolidated my higher interest accounts to this card. I have received letters saying my account is closed and has been charged off. Now I am being told my balance is due in full! And it 's from Wells Fargo. That makes no sense! The letters now state they offer budget friendly payments after they 've tacked on multiple interest charges and fees. I was told WF did n't do this when I needed it ... when I could afford it. I 've paid a total of approximately {$7100.00} which pays for the XXXX. All I 'll be paying on is interest and fees of which I now owe {$4700.00}. Ridiculous. I know I owe interest ; however, why could n't they stop the late fees when they knew I needed help? It just makes me so angry that I worked so hard to keep on track with my payments, calling WF, keeping them up to date, securing a payment method, and for what? I have a letter to mail to them. Do n't know whether I should?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 I made a payment to my Navy Federal Checking Line of Credit, which NFCU claimed on XXXX was returned unpaid. On XXXX/XXXX/2016 my account access for all of my Navy Federal accounts was frozen. I called NFCU to inquire as to why I could not log in to my accounts. At that time the agent attempted to walk me through a password reset of my account. I was still unable to log in. At that time I was advised that my accounts were fine, but that the loans department had placed a freeze on my accounts. That team was unavailable, so I had to call back. 
I called NFCU again on XXXX, and was advised that because my Checking Line of Credit was delinquent, my electronic services had been revoked. I had no access to any of my accounts. I was assured that until I paid what I owed Navy Federal, I could still transfer money between my accounts over the phone to pay things like my car payment and credit card, as well as use my NFCU credit card as long as I continued to remain in good standing on those accounts. 
On XXXX I started receiving notification from places I was making payments to that my payments were bouncing from both my credit card and checking. I called again and asked about what was going on, and was advised that my account was overdrawn. NFCU had removed all money from my accounts to go towards the XXXX balance. An item attempted to clear my account, but was returned. The vendor, XXXX, had another attempt scheduled for that evening, so I asked the agent to have money transferred from my credit card to checking to cover the balance until we figure out what is going on. I was advised at that time that ALL access to anything, including transfers, my credit card, etc. had been taken, and I could not access my accounts until NFCU was paid for the XXXX that was past due. I can not even use the phone to handle my account. 
At this time, I have no access to any of my accounts, and NFCU has caused my checking account to become delinquent as well. I have all of my liquid financial assets with NFCU, and this is causing severe hardship for myself and my family. I received no notice that my accounts would be frozen, especially when I am not delinquent in all that is frozen. I understand that this practice is in direct violation of the CFPB ruling file XXXX/XXXX/2016 labeled " XXXX ''. 
I would like my access restored, and any harm done to my accounts to be reversed, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My home is in foreclosure. Im trying to do a short sale and Wells Fargo is a second lien holder of which the debt was discharged in XX/XX/XXXX, I received a XXXX C - Cancellation of Debt and filed it with my taxes. They still have the lien on the property and have marked it as of XXXX XXXX. XXXX in a permanent uncollectable status. I now have a Contract of Sale am trying to do a short sale and Wells Fargo is refusing to allow any payment ( which none is available anyway its a short sale ) and refusing to release the lien even though it has been charged off. They are making me loose the Buyer for my home for no reason whatsoever. This was a discharged debt by the Bankruptcy Court in XX/XX/XXXX which should have been discharged and never was and as stated above, has been marked uncollectable. They have NO REASON not to release it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Windham Professionals, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection agency calls my phone all day even after leaving messages. They will call mad then hang up and call right back. The agency also contacted my estranged husband and family and gave full details of the debt to them and I never provided their numbers to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After being laid off and struggling to get bills paid on time, I contacted Navy Federal Credit Union for assistance and payment arrangements. Since doing that it 's been an utter nightmare as they have continued to ignore any arrangements made and constantly transfer funds out of my account. These transfers sometimes are reversed immediately upon contacting them, while others can take 24-48+ hours for resolution. Around 14 calls lasting 15+ minutes or longer to Navy Fed and 4 lasting with numerous cancelled transfers I have reached my breaking point and need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received an alert that equifax opened a dispute that I did NOT initiate for XXXX XXXX XXXX therefore dropping my score. Complaint number XXXX was made against them on XX/XX/18. Their careless acts can affect my ability to get a loan. I will find out what legal ramifications go along with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
On XXXX XXXX 2011, I decided to attend XXXX XXXX in XXXX MI to attain a XXXX. Upon entering this campus to sign paperwork for submission, I was surprised to see that there was a loan officer with the XXXX representative. As we hurriedly did the XXXX paperwork, the loan officer was taking my information as well. I was real uncomfortable with taking out a private loan that I felt I was rushed into. But I went with it since I wanted the education. She ran my credit I was pre-approved for {$8500.00} at 6.8 %. I was told that I 'd have {$20.00} in school payment amount and {$100.00} when I graduated. My husband would be the sole provider of income for our XXXX yr old son and unborn daughter during the 11 month long program. Little did I know that {$20.00} would be hard to come by. I will never forget the day I was in class listening to lecture and the next thing I know the door opens and someone calls my name. So I get up to meet the woman in the hallway. She said, " You are behind in your payments and you have to make a payment now or you ca n't go back to class. '' So I made my payment and she let me go but since the door locks when closed I could n't get back in until there was a break. It was over an hour. That never happened to me again but it happened to other students constantly. The teacher even said XXXX day when it happened to another student, " You got ta take care of your business or you ca n't come back. '' Little did I know about the loan I was coerced into taking was n't what I thought it was. It was XXXX loans, Note XXXX principal XXXX XXXX principal XXXX with a grand total balance of {$16000.00} at 14.9 %. My monthly payments are {$350.00}. It is very difficult to pay this now and provide for a family. I have paid {$3400.00} in interest and I still owe {$9200.00} in total balance. I understand that {$20.00} a month sky rocketed my interest but I could n't work while in school and I feel that this Genesis Lending took advantage of this. They bate you with the 6.8 % interest and when you actually see your real rate there is nothing you can do unless you want to put off school for another year. I 've tried to lower my rate but they do nothing to help you. I just feel buried in this debt and causes a real burden on my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: First Advantage LNS Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used to live in XXXX of XXXX XXXX apartment at XXXX, NJ with my friend since XXXX XXXX to XXXX XXXX and joint the XXXX, but before I left I went to talk to the manager to remove my name and everything from that apartment. She did everything and I also signed all the paper, so my friend only live in that apartment. Then now as XXXX XXXX XXXX I have collection debt as {$2200.00} from nowhere. How do I left the apartment without any debt and now after 2 years I 'm having one. I always pay my rent ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Initially, I received a call from Receivables Performance Management. They only stated their name and asked for me to verify my identity. Unsure of the nature of their business, I asked what kind of business they conduct and told them I did n't feel comfortable disclosing my identity through sensitive information without knowing who they are as a company. They refused and said they could n't legally disclose that due to privacy issues. This seemed suspect to me so I refused and hung up. 

I called XXXX XXXX because I had just closed an account with them to see if there was any connection. After a conversation with a customer care representative, it was discovered that a {$49.00} charge was in error and that I had a zero balance. On XXXX XXXX, 2016 I received an email stating that my balance was zero and that " A request was already sent to update your account to the Outside Collections Agency. Please be advised that it will take within thirty days to update. '' On XXXX XXXX, 2016 I was notified by XXXX that a new collection had been added to my XXXX credit report in the amount of {$49.00} from Receivables Performance Management. 

I attempted to call Receivables Performance Management, but there was no answer after numerous rings ... not even a selection menu. No answer at all. I then called the billing department at XXXX XXXX and was transferred to an " account specialist ''. I explained my situation and asked them to rectify things with the collection agency with whom they have chosen to align ... communicating my frustration with how this collection agency either broke the law, or was operating on the fringes of the law. 

XXXX XXXX effectively stated that they could do nothing to remove the inaccurate credit report addition but resend the same information that they had sent in XXXX. Receivables Performance Management does n't answer their phone. This is the reason for my complaint with the CFPB. 

I could have an attorney send a letter stating which law the collections company is violating, but out of principle I should n't have to pay an attorney fee to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
TD Bank has taken me to court and charged me for the lawyers fees. I am being harassed because my home has been listed on XXXX as a foreclosure. I have been trying to work with TD Bank since my injury in 2009. They are completely uncooperative and do not have any interest in working with me. There sole intent is to foreclose on my house. There is no communication unless it is initiated by me. I have been making payments but they wo n't send me statements or even a break down of fees.. I have been asking to refinance but they wo n't even discuss the option or any other option. I am tired of getting phone calls from realtors and others that have seen our house listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX, 2016, after reviewing my credit report, I noticed accounts listed from XXXX ( XXXX ). I contacted the number listed on the report to be told they did n't have my account and gave me a number to contact which was XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX to pay off the account in exchange for deletion from my credit report. I was told by XXXX XXXX to dispute the account, ( which I did ), and it would be removed. The company that 's saying I owe them XXXX has since just decreased the balance owed on the account. I paid XXXX XXXX XXXX because I was forwarded to them from a representative of XXXX. I was told it would be removed after payment so that is what I expected. XXXX is illegally reporting these accounts ( with a balance ) and this is not only illegal, but inaccurate as well. I contacted Equifax on XXXX different occasions to be told " we are going to open a dispute ''. For the information to come back as " verified '' which is impossible because not only is it paid, but the reporting agency does n't even have the account. I spoke to a representative for the 4th time and was told the same thing about opening another dispute. I requested validation of debt from the creditor which I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been requesting verification of the following account that Equifax continues to report on my credit file : Us Bankruptcy court- XXXX Case Or ID # XXXX. Equifax listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2016. 
I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with a representative she informed me that a security freeze was placed on my account as of XX/XX/2016. 
I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and the representative advise me that my security freeze was confirmed and set into place as of XX/XX/2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2016. 
I demand that this public record Us Bankruptcy court- XXXX Case Or ID # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Us Bankruptcy court- XXXX Case Or ID # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Academy Mortgage Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Due to the complete lack of organization, overriding negligence, and careless mistakes we were 13 days late from our agreed closing date. The calendar days ( not business days ) are extremely important because we had repairs needed on the house that were not just cosmetic, they were for health reasons for our daughter ( and there was mold ) and the construction takes into account weekends. The construction company had planned on using all available week and weekend days. 
Due to the lack of operational and industry knowledge of the new rules and regulations on on the mortgage company 's side, Academy Mortgage, we were forced to change everything with our move. We had to rebook moving companies, get storage for our possessions, and forced to stay weeks at hotels. We issued a claim against Academy Mortgage to cover our costs associated with the missed closing date and financial impact this caused our family. We submitted a letter detailing what they had put us through and their negligence ( not running title searches when they should have, incorrectly informing us of actions needed, having us fax IRS transcripts to their organization, etc. ). 
The letter explained that the days we had to stay in hotels was XXXX because of our post possession closing gave our contractors an actual of 19 days to get the work done. The letter detailed the financial loss and stress they put us through and they responded with incorrect facts. I ca n't believe in this day and time the level of negligence, lying and mistakes allowed to occur and impact consumers financially is still allowed. We are looking for Academy Mortgage to cover our losses caused by their organization. We are not seeking ( at this time ) reimbursement for lost wages, food or other losses, we are only seeking reimbursement for the direct financial loss of the hotel stays needed for the delayed closing.

Company response to consumer: Closed with explanation