BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-27
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Credit card
Issue: Billing disputes

Complaint:
I sent multiple faxes and called over 25 times to Navy Federal to dispute IR/Late Payment charges ( on a frozen account due to formal open complaint with CFPB ), repair request with credit bureaus and re-activation of my credit card. This whole process started way back on XXXX/XXXX/XXXX and I have had to escalate and talk to several different departments, but that did n't resolve the issue for months. I was n't getting resolution so I filed a complaint with NCUA ( National Credit Union Association ) they do n't handle this type of dispute. So they forwarded my case to the CFPB during that time Navy Federal did credit my account, but has not fixed the mistakes on my credit report and closed XXXX credit card accounts. I received a letter on XXXX XXXX, XXXX from a different underwriting department stating the account was closed due to in-activity. There has been no activity because the account is frozen until the open CFPB disputes are resolved. After crediting those accounts they 're still not open and did n't repair my credit report. I have documents showing negative entries on my credit report and my submission to the FTC and NCUA. To exacerbate all these issues, last month ( XXXX, XXXX ), Navy Federal decided to re-activate the account internally ( though I still have no credit limit and the card is essentially frozen ), and now ( without my knowledge or consent ) another unknown XXXX department decided to start charging me late payment fees and IR changes. There have ben no charges on this account for over a year as the account is frozen. And for some strange reason, Navy Federal decided to add more issues to an already large systemic issue related to my current open complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
i tried to open a complaint or dispute a charge on my credit card and received no help from my credit card.i was litterly scammed out of XXXX from a company that called itself XXXX.the services they promised were never provided and that is why i turned to my bank for help.i thought elderly people were supposed to be protected from fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

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 2021-04-17
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Discover bank account.There was fraudulent activity on account. Bank closed account. When they closed the account I received several incoming payments. They said they will pay it within two months this was in XXXX. They told me they owe me {$160.00} before they shut it down. Now their saying they owe me nothing. During the fraud they got all their money back, but I had 3 paychecks come during the account closure and their pretending they dont know about it. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
THE FOLLOWING ARE THE REASONS THIS MODIFICATION SHOULD BE RECONSIDERED. 

XXXX Wells Fargo determined we are over the Hamp Guidelines and we are not. We owe {$720000.00} and guideline is {$720000.00} ( we do not owe you a XXXX of {$47000.00} We borrowed this money from in-laws to pay current. ( this is why we have a lien on our property for this. All late fees are to be waived per Wells Fargo when modified. ( attached current coupon ). 

XXXX. The value that was determined by the XXXX is way off. The value of our home is at least 1.1 million to 1.2 million ( remember my husband is an XXXX ). See attached sales and they did not even considered our horse keeping and our pool, spa and waterfall and R.V. access and complete remodel inside and out. ( see attached comps ) They also used comps that had no usable lot and all upslope and we are completely flat. 


XXXX. The income that was determined is way off. The underwriter considered our income based upon not guaranteed salary for co-borrower and also determined our income based upon personal expenses and husbands payroll deposits put into co borrowers XXXX account. I had to prove this to XXXX as well. They did the same thing but when I provided the proof they changed it and gave us our mod. ( see attached ) we just received a mod for our rental property. Please also be informed my husbands pay increase just started in XXXX 2014 and we received his XXXX check mid XXXX for the higher amount, prior to that his income was much lower. I have attached XXXX, XXXX XXXX XXXX, Bank Statements all of which support my claim to what I had to show to XXXX recently for them to approve our mod on our rental. You are doing the very same thing they did and once I provided them proof what was personal and what was business for deposits and expenses the mod was approved no problem and our DTI was XXXX. 









XXXX. Attached e-mails from XXXX Wells Fargo XXXX who advised me not to make any payments and assured me our loan would be modified and you would not try to take our home. 
XXXX you told me on XXXX occasion you could not advise wheter I make a payment or not but it would be best to wait for the outcome of this mod. You as a home preservation XXXX should know right away whether we meet the XXXX guidelines and you should also know if we had a previous mod. We should not have had to wait for so long only to find out you could not modify. With you working in such the capacity you are, you should know this and not string us along.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I came to the XXXX location in XXXX to apply for a loan. The loan was to pay for a certification class and moving expenses. After explaining the situation in its entirety to the representative, I was told that I needed to open an account to apply. After opening a checking account, he opened a savings account for me as well although I did n't need it. He then did the loan application and told me to check back in a few days. I decided to call the customer service number about an hour after getting home and was told that my application had been denied. I was also told that the decision was made right away, as in while I was in the branch. After appealing the loan process several times over the course of 4-5 days, I was finally told that Navy Federal does not grant personal loans for job certification purposes, but would be more than happy to help me with my moving expenses. After applying for a 4th time, I was denied again without a proper explanation. I was told to simply wait for my letter in the mail explaining the decision. I will be starting a new career in California on Monday, XXXX XXXX, and all Navy Federal has managed to do is waste my time and energy. From the beginning, the representative simply signed me up and left me out to dry. Knowing my application was denied, he told me to simply call back a few days later. Knowing that you do n't give loans for certifications, your customer service and lending teams wasted my time and money having me appeal and process several loan applications. I am going tomorrow to withdraw my money and close my account. I am also recommending my brother, a active member of the ( XXXX XXXX ) and my mother, both account holders of Navy Federal to do the same. I have never felt so cheated and swindled by a company in my whole life. I want this to be made very clear to Navy Federal : you created a checking and savings account for me AND RAN MY CREDIT knowing that the reason for the loan was not something you support. Shame on you and your banking institution for not knowing better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...

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 2015-10-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and am writing this letter to advise you that I had a mortgage loan with wells fargo. I had been trying for some time to try and work out a loan modification to get caught up on my delinquent loan and bring it current and start making payments. We had gotten approved for a loan modification in XXXX of XXXX and received a package that we notorized and sent back XXXX XXXX, XXXX, Wells fargo advised us on XXXX XXXX, XXXX that they had not received the loan modification paperwork and closed the file out voiding the loan modification they had qualified us for. The next day that we contacted wells fargo, they had notified us that they had just received the signed and notorized loan modification paperwork, but that is was too late to honor the agreement since they had not gotten it on time. we appealed their decision and re-appealed it, yet our request went on deaf ears. We reapplied again for a loan modification, but had a difficult time trying to get the file to underwriting since wells fargo was always requesting information that we sent to them numerous times. 
This went on till XXXX XXXX, XXXX when the were not willing to stop the sale of my home and sold it to foreclosure. Let me mention that we had applied right after the loan modification they had offered us was denied with the same information that we had previously been qualified with, but wells fargo turned us down, because we did n't qualify, yet it was the same information we had previously applied with and been qualified with??? I 'm asking that your organization please intervene and ask wells fargo why our numerous request since XXXX of XXXX went on deaf ears. They never were willing to work with us since that time? I may be contacted at XXXX or XXXX. All I was asking from wells fargo was a fair shake and I felt they never gave us that since XXXX of XXXX. My husband XXXX XXXX passed away in XXXX of XXXX and when we had re-applied in late XXXX of XXXX for a loan modification wells fargo informed us that nothing had changed since their last review in XXXX of XXXX so they were no able to offer us any loan modification workout. I was taken back with this response since my husband had died in XXXX and I faxed them the death certificate proving he had passed. I tried again on XXXX XXXX, XXXX and was told to fax in all the required information again the very next day I was told that the file had been closed, because again nothing had changed since the review of XXXX XXXX and I had exhausted all my loan modification options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a personal loan account attached to a credit card with Wells Fargo. I received a letter XXXX XXXX, 2016 stating charging privileges on my account and reference to reasons why. The account has been open and has not been past due. The account has been open maybe just over a year. After, the letter my credit score dropped and I could not understand why. I did not give Wells Fargo permission to run may credit after the account was open. The account now says, your account has been closed but you can still make payments

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I previously filed a CFPB complaint ( XXXX ) concerning a charge by a vendor, XXXX XXXX, and a debit transaction made against my checking account with Wells Fargo. To my knowledge, Wells Fargo is overdue on a response and never responded to the underlying complaint. Today, I received an email from Wells Fargo stating the amount in dispute in the underlying complaint with CFPB was being withdrawn from my account, and that the bank " lost '' the dispute. Today, Wells Fargo withdrew approximately {$580.00} from my account, without having provided me proper, prior notice ( other than today 's email ) ; and without Wells Fargo having even bothered to formally respond to my prior complaint by addressing CFPB. Wells has also, again ( twice now ), by today 's actions, failed to properly and adequately advise me of the reasons for their decision in writing. They have also apparently violated CFPB 's complaint procedures relative to the underlying complaint. 

This second complaint concerns Wells Fargo 's failure to address the first complaint. They apparently have now not only failed to address my concerns, but have failed to adhere to, and comply with, CFPB 's procedures and mandates regarding my underlying complaint.

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 2016-09-19
Company: Windham Professionals, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have student loans with the US DEPT of Education as well as well as the US Dept of Education XXXX. I had these XX/XX/2011. I have paid these religiously and I am current on everything. I had a company contact me called Windham Professionals and demand XXXX. 
They would n't allow payments. they said the only way to avoid fees is to agree to a lump sum payment. The issue was the Dept of education had crossed XXXX addresses when I updated my address. and when I got this notice from Windham It was messed up as well. The lady I spoke with was horrible and she would n't let me speak to anyone other than her. and then her reply was " just do n't pay it! '' Th

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 2015-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is still reporting a collections account as opened. This was taken care of in the past as my other credit report shows and the XXXX credit bureau has removed the trade line completely. The balance is zero on the account yet it shows as the account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation. Portfolio responded back by simply stating that the account is valid and failed to provide me any sort of validation for the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed original complaint # XXXX on XX/XX/XXXX. I also spoke to Wells Fargo XXXX XXXX in executive office on XX/XX/XXXX who was handling the case. She agree about certain things that were not done correctly and stated they would like to get the loan finalized especially after spending 2 months working on it. And bad and lack of communication from the people I worked with in the application and approval process. They were named in the first complaint. She stated she would call me on XX/XX/XXXX. She did n't call me and I called and left a message. She called me XX/XX/XXXX with XXXX XXXX on speaker phone. Most people have another person for a witness to the conversation and its also XXXX against XXXX. Now other issues came to light. They stated first I need to pay {$4200.00} for escrow and late fees but more important was property needs to be out of XXXX for 6 months. I asked them to show or tell me in writing pertaining to this information. They said it was proprietary information and I would need to have a attorney to subpoena it. They stated it was XXXX XXXX guidelines. Why would n't they be public? XXXX guidelines are public. I specifically asked if it was their guidelines and the told me no. XXXX stated this came from their national underwriters and they know everything. Also CFPB would be able to listen to our conversation. A lie. I told them I was going to make another complaint and XXXX said go right ahead it will come right back to her. First how can she investigative herself? Conflict of interest. If XXXX XXXX guidelines should all be public information. Also her demeanor changed from the previous phone call. From I 'm here to help you to not at all. I told them the people I was working with do n't know the program. XXXX tried to cover for XXXX XXXX and XXXX XXXX stating the guidelines changed since XX/XX/XXXX when I applied for the loan. That 's a lie. Guidelines have not changed. I also told XXXX to use her brain and think of another way to refinance this loan. She did n't like that. They are lying and trying to cover up their employees incompetence. Also feel they came up with this because of the 1st complaint.

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 monetary relief
Consumer complaint received 2015-10-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got divorce in XX/XX/XXXX. My ex-wife retain the home and responsibility for the mortgage payments. In XX/XX/XXXX, she fell behind and eventually went into the foreclosure process. Wells Fargo agreed to modify the loan. They instructed the housing counselor in the XXXX Save Home Program to have me sign a quick claim deed to remove my name from the title/deed so that they could modify the loan in my ex-wife 's name only. I signed the quick claim deed. I was removed from the deed. However, Wells Fargo did not remove my name from the loan. They modified the existing loan keeping my name on the loan without telling. The loan modification documents were never sent to me for signature. I found out because Wells Fargo is reporting negative information to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Alliant Capital Management LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A XXXX XXXX called 6-8 weeks ago and left a voicemail that he was with Alliant Capital Pre-legal division to advise me of a legal matter cae # XXXX. I am going through a divorce and thought this may be about the debts we are working through the court and as per my attorney ( XXXX XXXX ) we have been requesting all debts in writing. So i returned the call and advised XXXX XXXX to send me a copy of the debt in writing. He advised that I was going to be sued and tried to get me to set up payment arrangements. I said I no, I need it in writing & I provided my mailing address as well as my email and I ended the call. Now I am receiving threatening calls from a XXXX XXXX at work and on my cell phone. Friday XXXX/XXXX/16, there were several messages on my cell that I needed to call by XXXX or I would be sued in XXXX County Monday morning. Then XXXX XXXX called my place of Employment and when he was told she was going to put him in my voicemail, he refused and our Receptionist pushed him through to voicemail. He called back and the call was transferred to my Superviser, XXXX and she told him that we do not permit these type of calls for Employees, he told her that it was a legal matter pertaining to fraud committed by me and he already spoke to our HR Department regarding possible garnishment and she asked who he spoke with and he replied, that everyone should stop being a " gate keeper '' and tell me to call before XXXX or I would be prosecuted in XXXX County. 
I am not disputing that we may owe this debt, I do not know for sure what it is because I have still not been provided anything in writing. I am in the process of a divorce and trying to collect all debt info so that I can utilize a debt repair/assistance agency and am only asking to receive it in writing so arrangements can be made. What I do not deserve is someone calling my place of employment speaking of fraudulent activity and wage garnishments tarnishing my name with my Superiors. I want the calls to my place of employment to cease immediately and for Alliant to provide the debt in writing so that my Attorney and whichever debt assistance agency I use can help me identify and make payments on legitimate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Issue: Bankruptcy

Complaint:
My ex husband filed for bankruptcy on a Wells Fargo Credit Card. I was listed as the second cardholder, i did n't sign anything obligating me to pay for this card and it was discharged on my ex husbands bankruptcy.Wells Fargo has severely damanged my credit scores by falsely reporting this information.

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