BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-03
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Someone opened up a Navy Federal Credit Union account in my name. I have tried twice to dispute it with them, and they denied me both times. I even asked them to tell me how the credit money was used so I could prove it was n't me, and they did n't give me that chance. It is negatively affecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
One of the most powerful tools in a consumer 's box is the ability to pay down mortgages early. For many years I have gained equity at an amazing rate by taking my monthly mortgage payment, cutting it in half, rounding up a few dollars and making a half-payment on the first and XXXX of the month. Doing this causes my payments to apply to my principal at a much quicker rate, cutting years off my mortgage. 
I refinanced my home a few years ago in an effort to do business with a local bank, XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas, and not XXXX the big nationals that caused the financial meltdown. I made it clear how I wanted to make my payments, and they said it would be no problem. Then they sold my mortgage to XXXX the worst offenders of the financial crisis, Wells Fargo. 
Wells Fargo does not allow the immediate application of half payments, instead holding payments until an amount equaling the entire payment has been received. 
This has resulted in them receiving a payment on the XXXX of the month every month for the past XXXX years, holding it until the XXXX of the month, then adding it to that half payment and applying it to my account. This has cost me many XXXX of dollars, and I am angry about it. Wells Fargo refuses to change for me. 
I tried to refinance through XXXX XXXX XXXX, where they used to do it my way, but they no longer offer this service. I 'm sure if I go to other institutions they will sell my mortgage to one of the big banks who no longer apply payments as received. 
Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Professional Credit Management, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2016-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we refinanced the house located at XXXX, Ca XXXX. My Name is XXXX. The loan was for {$320000.00}. It was with XXXX ( which is now Wells Fargo Bank ). There was another loan on the property for {$170000.00} by Wells Fargo Bank. 
This {$170000.00} first was never paid off in escrow. Thus since XXXX, we have had two loans on this property. The total of these two loans was {$490000.00}. Our house was never worth {$490000.00}. Thus since the time we refinanced our property, it has been 100 % upside down. 
We have spoken with Wells Fargo to correct this problem, however, have not received a satisfactory conclusion. The {$320000.00} loan number is XXXX. 
Now there is a sale date of XX/XX/XXXX on this house. We have been working with numerous people at Wells Fargo. They stated that the sale date has been suspended, however different websites state that the house is still scheduled for auction on XX/XX/XXXX. We have been providing information necessary to keep the house. My immediate request is to remove the XX/XX/XXXX, sale date. My goal is to keep the house. We are in need of a work out program that will allow me to stay in the house. The {$320000.00} loan has been in 2nd position, due to the fact that the {$170000.00} loan was never paid off. This has caused reputable harm on my credit as well as financial hardships. 
I have received payoff information on both loans. Thus, remove/forgive the {$320000.00} second position loan, leave the lower amount loan, first position, of {$170000.00} which is not being foreclosed on. In a letter dated XX/XX/XXXX, Wachovia admitted the loan of {$320000.00}, was in 2nd position. Remove the sale date of XX/XX/XXXX.

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 2015-10-09
Company: Windham Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the XXXX complaint filed about this company ( WINDHAM ) with the CFPB. They REPEATEDLY continue to re age this alleged debt that occurred in 2003, and harm my otherwise flawless credit standing. 

The XXXX previous complaints for your review:XXXXInstead for removing the fallacious tradeline, they CONTINUE TO REPORT DEROGATORY INFORMATION and are also reporting it DISPUTED. 
Please see proof from my XXXX XXXX and XXXX XXXX that the negative and RE AGED tradeline is still reporting as a NEGATIVE account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a foreclosure sale date for XXXX XXXX, 2015, My lender Wells Fargo Bank received myloan Modification package on XXXX XXXX, 2015. On XXXX/XXXX/2015 I called Wells Fargo about the status of my application because they had not contacted me. The representative stated they had received the package on XX/XX/XXXX, according to my fax submission sheet which clearly states XX/XX/XXXX and I have a fax receipt. Wells Fargo then requested another utility bill which was reoccurring monthly, they had previously received my light bill ( see attached ) Wells Fargo also requested a letter of explanation regarding my reimbursement expenses claim ( see attached ) they also requested that n/a be placed in the box which was missed on page XXXX. All of the requested items were sent to Wells Fargo, on XX/XX/XXXX, XXXX, & XX/XX/XXXX. Wells Fargo then called me back and requested information that was listed on the RMA, what I pay in gas, food, insurance etc. this is a direct violation of the court order of Class Representatives Motion to Enforce Settlement Agreement XXXX where the court ruled in favor of the Plaintiffs that Wells Fargo 's Income Screening is Inconsistent with HAMP and ordered them to stop said practice. I have never received a loan modification from Wells Fargo Bank, when I lost my job I was given a forbearance agreement where I paid a portion of my mortgage payment. Wells Fargo is not cooperating in my efforts to save my home in fact, they are requesting additional information that they already have or which is not germane in making a decision regarding my loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I want to start off by saying that I am currently a recepient of an immigration program called XXXX. I have been living in the United States for 15 years and I currently have an Employment Authorization Document and a Social Security Number. I currently have a total of XXXX credit cards with XXXX different banks. 

I am currently using Wells Fargo as my bank. I 've had a Checkings and Savings account with them for about 3 years. I 've had a secured credit card with them for about 2 years. 

When I went in to my local Wells Fargo bank to open my Checkings and Savings account, there was no issue with my immigration status. Everything went smooth. When I applied for my secured credit card, they asked me for {$300.00} dollars to open it and again, there was no problem with my immigration status. 

Recently, I went in to my local branch to withdraw some money and I was told by the teller that I was eligible for a Student Credit Card. Since my secured credit card was never graduated to an Unsecured credit card, I went ahead and filled out the application with the banker. I was told by the banker that I was approved for {$1200.00} but that it would take XXXX hours for the application to be fully approved. 

I waited for about a week before I received a letter in the mail stating that my application was not approved because Wells Fargo was not able to verify my identity. That letter stated that my application could be approved if I sent in a copy of my Social Security Card. I found this weird since I currently have a bank account with them along with a Secured Credit Card, yet they could n't verify my identity. 

I fulfilled their request and faxed them a copy of my Social Security Card. About 3 days after faxing them my SSN, I gave them a call because I wanted to know the status of my application. The representative on the phone told me that my credit card application had been denied due to me not being a permament resident. I was shocked by what she told me because like I said earlier, I currently have a bank account with them, a secured credit card and XXXX other cards with XXXX different banks and no other bank had ever brought up my immigration status as an issue. 

I would like to know why Wells Fargo has no issue with my immigration status when it comes to them receiving my money through my checkings account and they had no issue with my immigration status when they asked me for {$300.00} to open the secured credit card. They will gladly take my money and make money for themselves using it, yet when it comes to me trying to get a credit card from them, they suddenly do n't want to deal with me because of my immigration status. 

I have been living in this country for 15 years and I am trying to build a strong credit history in order to purchase a home one day. What is the issue with that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I've been submitting dispute letters to remove this fraudulent auto loan off my credit report and I have not gotten any responses. By law after 30 days you must remove debt if nothing been verified!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I had a Wells Fargo credit card with a great Rewards Program. On XXXX XXXX, 2016 they sent me a letter, which I received on XXXX XXXX, 2016, saying I was overusing their rewards program- like making too many large purchases, and that if I did n't stop, they would close my account. I did stop immediately : I only made XXXX purchases after that, both for gas under {$20.00}. I could have withdrawn all my rewards in cash at that time, but I did n't, as I had been saving up for a trip for my family, and if I redeemed my rewards for travel, the points were worth XXXX % more. So I naively trusted their letter. On XXXX XXXX they sent me a follow up letter, forcing my account to be closed and seizing all of the value of all of the rewards that I had accrued, through purchases and through bonus sign-up offers. After I realized this, I called them on XXXX XXXX, from XXXX until XXXX, speaking with XXXX different people and many different departments. No one could help me get my money back. I never broke any terms or laws or rules. I complied with their terms to stop making large purchases on their card. In return they seized a cash value of {$1900.00}, or a value if redeemed for travel of {$2800.00}. This also adds a stain to my credit report.

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 2016-11-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is concerning Account number XXXX This is concerning Wells Fargo Dealer Services. They have added car insurance in an abusive way behind the back of the consumer, being myself, although vehicle insurance exists on the account. They sent a demand letter, even though the account is up to date. They added about {$3000.00} worth of insurance to protect the vehicle, a XXXX. There has never been a lapse of insurance and yesterday in a three way conversation with the bank and the insurance company this was proven. They are going to add insurance to the vehicle unjustly for the life of the loan. I want all those charges reversed, to include other predatory charges that they invented. There could be hundreds of thousands of consumer like myself, that are being taken advantage of. I want a complete audit of the account and charges removed and reversed. the employee that I spoke to the first time did not recognize the demand letter and did not know how to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My installment loan through Wells Fargo has always been paid on time with no issues for the life of the loan. In XXXX 2015 I was locked out of my on-line account and could not resolve the issue or log-in. Therefore I was not able to make my monthly loan payment on time as I always have. Prior to XXXX days late, I finally spoke to someone in person ( their automation system is horrible both on-line and via phone if you do not know your account number, etc ) and told them I mailed a check and asked specifically about it being reported late. I was told that it was noted, not an issue and I did not need to worry about it. 

A few days later I got a credit notification that I had a late payment. I immediately called Wells Fargo and had them reset my online account and paid again, effectively XXXX-paying for XXXX. I complained to my agent and asked to speak to a supervisor ( which I was hung up on ). After calling back I was told that there was nothing they could do and said to contact the credit agencies. 

I have tried disputing the fraudulent claim on my account XXXX through XXXX without resolve. I am desperate to have Wells Fargo fix their error as this lowered my credit score over XXXX points and I am in the process of building a home. They had the audacity to call me and ask if I wanted a car loan! 

This is my last step prior to seeking legal action against Wells Fargo and/or the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/2016, at Navy Federal Credit Union ( NFCU ) 's branch located at XXXX XXXX XXXX, XXXX, VA XXXX, I submitted a request for XXXX bank wire transfer to a bank account in XXXX. I was told that it will take XXXX7 business day. It 's advertised on their website https : //www.navyfederal.orgXXXX. I 've been calling NFCU since XXXX/XXXX/2016 and I was being jerked around by them since then. On XXXX phone call dated XXXX/XXXX/2016, I was told by the representative that it 'll take XXXX8 business days. I told her it 's not true and requested to speak to her supervisorXXXX. He told me it 'll take XXXX4weeks. I replied that it 's ridiculous and they 're jerking me around. He promised to get back to me on the XXXX/XXXX/2016, XXXX that he will give me a call to update the status. He never called. Another XXXX XXXX called and claimed he was assigned to this case. NFCU is unable to locate the where about of my monies and claimed that they only let XXXX XXXX to handle the transactions. There 's no way to find out the status of the transfer, except to wait for their reply. I have n't heard from them this morning. I 'm upset with the entire incident as to how can a Credit Union 's only reply to their members on this incident as they had no idea where the monies are. I really hope the Bureau is able to assist me on this incident. Thanks for your time to read my email.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: NEW YORK COMMUNITY BANK
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Received letter dated XXXX/XXXX/XXXX stating that my 15 yr HELOC loan I will have to be paid off on or before and will not be renewed in XXXX. I was lead to believe at time of signing that they could renew loan after initial 15 yrs. This was also reiterated by XXXX XXXX XXXX XXXX, Senior VP XXXX XXXX XXXX New York Community Bank, a couple of yrs ago. I emailed and called her when I received inclosed letter and she said I should start looking for another solution now. Never offered any other loan or help from NYCB. They bought out and closed down my bank branch in XXXX but serviced the loans. Please see section XXXX of agreement I signed in XXXX. I believe servicing the loan also means according to agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with Wells Fargo- originated when I lived in NY and purchased a vehicle there. I lived in VA when I paid off the loan, and received a letter from Wells Fargo at my Virginia address stating they would send me the title at my VA address. That did not happen. This week I purchased a new car and need to transfer the title to the old car, the one I bought with Wells Fargo loan. VA DMV says Wells Fargo maintains an e-lien hold on it and Wells Fargo needs to remove it. Wells Fargo says this is an issue for NY. I have no way to get my title cleared at VA DMV ; both NY and VA insist this is a Wells Fargo issue. I have been in to several branches and spent hours on the phone with these people over several days. 

I am bounced from one " team member '' to another with nobody able to help me. They are taking advantage of me and waiting for me to give up instead of fixing the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently purchased a home for XXXX. It appraised for XXXX. I requested to have XXXX removed since I have the proper loan to value ratio to have it removed. Wells Fargo sent me a letter stating my options for removing XXXX. I spoke with a Wells Fargo representative and we looked over the letter together while on the phone. She stated that I qualify to have XXXX removed, but that I need to have another appraisal done at my expense. I had another appraisal done, and the value was stated at XXXX. I received a letter from Wells Fargo stating that I do n't qualify for XXXX to be removed because I did n't make improvements to the home. This was not a requirement in the letter l initially received, and it was n't a requirement that the rep told me when I was told to order the appraisal. I want Wells Fargo to refund me for 1. ) the cost of the appraisal, 2. ) the XXXX fees that I have continued to pay while they " investigated '' this issue, and 3. ) my legal fees in rectifying this situation. I also want them to be compelled to remove XXXX.

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 2017-03-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My car was repossessed. The bank still reports this after the statue of limitations

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 2016-02-05
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The purpose of this complaint is based on a rejected loan application to the following : Cashnetusa.com XXXX, IL XXXX XXXX XXXX XXXX Application was completed by phone on XXXX XXXX XXXX at XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: SECURITY FINANCE CORP
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have a problem on credit i have identity theft on credit report XXXX XXXX XXXX municipal Credit i told the reporting agency. Their havent anything been done about im gon na file a civil law suit

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 2016-10-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is currently in the foreclosure process. Wells Fargo sent me an enticement that essentially asks me to make 3 more monthly payments before they will see if I am eligible for any other loan modification. Asking me to make 3 more payments before they will see if I qualify for any other loan modification is unconscionable and predatory.

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