BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a customer at Navy Federal Credit Union and my account is locked out still to this day. As I spoke to someone at cfpb I was told to take a snap shot of proof that I am not able to gain access to the account. After hanging up with CFPB I was courious to see if my account was open for me to log on and it was not. I then took a snap shot as directed and will upload the picture. Before XX/XX/XXXX I spoke with a customer rep at the bank and made arrangements for XX/XX/XXXX and told them I was locked out of the account. After learning about the regulations on this I tried today XX/XX/2016 to gain entry to my account and still can not log in. Also I want to note they are making arrangements with me that are unreasonable and not obtainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My husband passed away on XXXX XXXX, 2015. In XXXX of 2015, I contacted Navy Federal Credit Union to inform them of his death. He had a credit card with them. I asked what I should do about the account. They told me that since I was an Authorized User that I was responsible for the account and if I chose to keep the account open that I could. So, I chose to keep the account open. I have used the account for six months, and payed over {$20000.00} in balances. I have spoke to them on several occasions for the last six months when they froze the account, saying it was suspicious activity. I would call them, tell them yes that I made those charges and they would unfreeze the account. Never a word was mention to me about the account was going to be closed. I tried to use my card today and it was declined. When I got home from work, I called NFCU and asked them to unfreeze my account. It was at this time, I was told the account had been closed. I asked by whom, and they told me and I quote, " Well, there was someone else on this account ''. My reply was yes, my deceased husband. I was then informed because my husband had passed away, that because I was only an Authorized User, that I was not liable for this account. After being told that I was when I called and told them of my husband 's passing. They waited until I had paid the credit card down to almost nothing and with no notification or reasoning why, they closed the account. So, in other words, because I was only an Authorized User, they lied to me when I told them my husband had passed and told me I was liable, and after paying pretty much the entire balance off, they closed the account. My late husband and I have had this account for at least twenty three years. It was my only credit card. It was my emergency credit card. They should not be allowed to do this to people. They should have been upfront from the beginning and tell me, no I was n't liable for it. Instead they chose to lie and take over {$20000.00} XXXX that I could have desperately used somewhere else ) from a grieving widow. My husband served this country and I served this country, and this was completely wrong. Thank you in advance for any assistance that you can help me with this. They should n't be allowed to get away with this. i did what I thought I was supposed to do, but they lied and stole.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i received XXXX past due statements for loans in my name which i hadve never applied for/had no knowledge of -- from CashNetUSA. ( there are numerous online complaints about this company ). 

however i dont know if someone fraudulently opened a loan acct with cashnetusa, OR if the people at cashnetusa are fraudulently just trying to get me to give them money. 
my credit has been locked down for months and there is no record of this fraudulent loan on my credit report ( verified today ). 
XXXX notice last month was for {$990.00}. 
XXXX notice yesterday was for {$3800.00}. 
do I need to do anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Paypal Holdings, Inc
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX I made a paypal transfer to a merchant, believing this was being correctly charged to my own account. I did not intentionally consent for PayPal Credit to take this charge. 

A couple of months later, I received a bill which is the XXXX time I was made aware that this had been charged to PayPal Credit. This was the XXXX bill I received and it included late charges. I called up and disputed this payment. I paid the full principle, but did not pay the late charge. 

Despite this, PayPal Credit continues to harrass me and add further late charges in violation of the court order on this matter XXXX civil case in Maryland XXXX. They also have taken to now calling my friends because I have blocked them. 

I believe their actions in not billing me properly ( waiting months to send a bill and _then_ adding late charges ), and continuing to add late charges despite my dispute is illegal. 

I paid everything I owed. The entire bill they claim I owe is due to their own illegal actions. 
I wish the company to acknowledge that I have paid in full, and cease harassing me. I encourage the Consumer Financial Protection Bureau to investigate as it appears that PayPal Credit is not adhering to the court order. I have attached a statement showing that they are continuing to add fees to a disputed transaction in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have tried to work with Wells Fargo Home Loans on an adjustable rate mortgage. 
We had worked with Wells Fargo for over 4 years. Our File was missing from their records for almost a year where no one knew where it was. They have sent us summons and complaints we have submitted answers. 
These are some of the dates we have submitted requested documents : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
After the XX/XX/XXXX submission no one would speak to us because no one knew what happened to our file. When we did get someone they had to speak to someone else. We never received a return our calls. 
No communication about our mortgage until : XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, sent more documents because the others had expired!! 
We waited for a decisions ... ..then it was in underwriting ... ... the underwriter that was assigned was no longer with the company then ... ... ... ... ... ... ... nothing happened in XX/XX/XXXX no response then XX/XX/XXXX a new package was requested We had to wait for underwriting again ... ... ..Nothing XX/XX/XXXX Then XX/XX/XXXX another new package requested. ... .this was by the XXXX person assigned to our account. 
As of XX/XX/XXXX they were still starting over with complete new packages, we had XXXX customer relationship managers. 
XX/XX/XXXX Our loan was transferred to XXXX. We had no idea that e were no longer with Wells Fargo because the person assigned to the account has a complete package and it appeared that we were going to finish. Now with XXXX all of what Wells Fargo said they did not need XXXX is asking for. This has been a long, long journey for us we have been given the run around too many times. We need help!

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 2015-09-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Wells Fargo Credit Card issued me a credit card i believe back in XX/XX/XXXX. I have been using that card recently. I have a XXXX credit limit. Recently I was unable to use the credit card for a purchase and contacted the number on the back of the card. When I spoke to the representative at Wells Fargo Credit Card he said that They extended me credit this past month because I am a valued customer who makes their monthly payment on time and overtime. So because I am a " valued '' customer they gave me more money then my contractual {$5000.00}. they did this without warning me or notifying me what was happening. Now they claim that I have until XX/XX/XXXX to pay the overlimit fee and my monthly payment of {$100.00} This amount comes to {$880.00}. I do not understand why they extended me credit when I did ; t ask for it. I expect that if I go over my limit I am going to be declined at the register. Why was I not declined and or notified and why am I being punished now by having to pay the whole amount back within a month. I do n't care if they think I am a good customer or not, should n't it be my decision if I want more credit? Where are my rights? Am I XXXX by Wells Fargo? Please help! Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
My XXXX yr old mother, who lived in a gated community in XXXX was convinced to sign a reverse mortgage agreement with Wells Fargo Bank, in XX/XX/XXXX. She had to be moved to assisted living late XX/XX/XXXX & her house had to be sold, which it was, 7 year / 3 months later ( XX/XX/XXXX ). She received {$250.00} a month thru that time. That means that she received from Wells Fargo Reverse Mtg. $ XXXX At the Closing, Wells Fargo Took {$62000.00}, Leaving my mother with next to nothing, on a house that was PAID OFF, previous to starting the reverse Mtg. That 's nearly triple payback of what they paid to my mother. She 's now nearly destitute -- -Shamefull !!!

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 2016-11-08
Company: Alliant Capital Management LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They have threatened me and I am not sure why, I have told them on several occasions that I will not verify my information due to past identity theft issues. the lady in the pre-legal dept proceeded to cuss me out and threaten me with legal action and jail. I did not verify myself so she hung up on me. I told her unless she can prove I owe this debt then to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2016-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by Wells Fargo as master servicer of XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX XXXX, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX Brokers Conduit filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is XXXX plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, XXXX XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.

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 2016-12-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was an account holder at Wells Fargo Bank, I had numerous of unauthorized charges on my account. I contacted Wells Fargo and informed them on the charges that where put on my account. I sent them a police report and as well, next thing I know they froze my account until further notice and then I was told that my account was being closed, because of a business decision. I called corporate and the fraud department and they wouldnt let me talk to anybody but one specific department that told me that they didnt know why my account was closed, but it was a business decision. I never had a problem with Wells Fargo until I reported that thousands where taken out of my account without my consent. They held the money that I did have in my account for two weeks and I practically begged them to release my money because I had to pay for school and my daughters tutition. They only gave me half of my money and then released the rest later, and stated that if any other charges occur I will be charged for it. And if anything was left over they would send it to me in a check.

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 2015-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a Circle Gold account at Citizens bank. This is their product that provides " free checking by keeping a monthly combined balance above {$20000.00}. Eligible balances include most deposit, loan and investment account ''. Since I have my mortgage with Citizens I have qualified for free checking on all my associated checking accounts. 

In XXXX of 2014, I noticed a service charge for 5 months ( {$100.00} ) on one of my accounts. I went into the branch and was told that the bank had just updated to a new system and that they were finding glitches. They refunded the {$100.00}. I asked that they please make sure all my other accounts were not being charged. 

One of the checking accounts associated with this Circle Gold account is my XXXX daughter. She came home this summer and asked what the {$20.00} fee on her checking account was. After investigating I discovered that she had been charged a {$20.00} service fee from XXXX 2014 to the present month ; XXXX 2015 a total of {$360.00}. I called the bank and they told me that I only had 90 days to dispute a charge, and would waive that for an additional month 'because " I was a good customer '' and refund {$80.00} of those fees. 

After some discussion with the branch office in XXXX, MA, I was directed to the Regional Manager of Citizens Bank ; XXXX XXXX who explained that my " contract '' said I had 90 days to dispute a change and there was nothing he could do about it. 

I signed up for FREE checking - my accounts have been eligible for FREE checking during this entire time. What part of my " contract '' with XXXX is enforceable - the one that I get free checking? Or the one were I have 90 days to dispute a charge even if the charge was a bank charge that should not have ever been applied AND was applied due to an admitted fault in their system?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year I applied for a home loan modification thru wells Fargo. The experience was horrible to say the least. I was never deliquit on mortgage till they told me to stop paying the full amount and start paying the trial plan amount. This put a negative mark in my credit report that everyone sees with out looking into as Serious Deliquit. After you find out what happen it shows loan modification. But based on the credit inquiries that 's the first thing they see when pull credit and it makes me look bad cause I never had to this day serious deliquit till after all that. The process was a nightmare from not getting my phone calls returned because my home preservation person was never there always out of the office. Left XXXX some voices mails being for a call back come to find out she 's been gone for a while. Her mail box was full, no help from them, getting hung up on cause they did n't wan na talk to me. Was reassigned someone else towards the end after begging and asking for help. Just picture having a deadline and then not being able to talk to the person handling your case cause she 's been out of the office for a month. Would like the serious deliquit removed please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The XXXX XXXX used my social security number without my permission. This is Identity Theft-Fraud. They claim it was an " accident ''. No way. I wrote the credit reporting agys. to be told " if I wanted a credit report, fill out their form ''. I had to stop a mortgage process and needed to stay in a higher cost lease. I went to small claims for the lease amount it cost me to stay where I live, only to be told this was " out of their hands ''. This company knows exactly what it did and what it was attempting. Please help me get justice. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo XXXX XXXX XXXX XXXX CA 92071 XXXX and XXXX. They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

2. Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

3. In response to their claimed XXXX value, we have marketed the property at that price, as well as provided market comparables and a Contractors Bid. Wells Fargo 's response was to remove the file from their short sale department stating there was no offer at their " List Price '' We STILL do not have a copy of the XXXX XXXX. In the last 2 days we have been given XXXX different persons contact info and NO ONE will return our calls or emails. 

We can not get anyone at Wells Fargo who can talk to us informedly about this short sale. The house has been marketed since XX/XX/XXXX of this year starting at XXXX, far above their XXXX " list guidance '' price, and has failed. We recently received an offer at $ XXXX, and have submitted the offer along with market comparables and a Contractors Bid. Now, no one at Wells Fargo will speak to us at all. How can we move forward when no one will speak to us about this file?

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