BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Dear Consumer Financial Protection, I had a {$10000.00} secure credit card with Wells Fargo. They keep my funds to use as collateral. However, I do not receive any interest from them for them keeping this {$10000.00}. What I am surprise at is that when I make payments it does not being applied to the old transactions first WHICH I AM BEING CHARGED INTEREST ON even though they are holding {$10000.00} which I collect no interest from but on top of that payments I made are being apply to most recent transactions which accrue less interest. I have paid over {$450.00} in interest at least and get no interest from the collateral they hold which is a double whammy.

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 2016-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have sent an official complaint letter that arrived at the destination on XXXX XXXX addressed to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX attorneys for Experian. It has been more than 30 days as you can see from attached tracking, my complaint letter arrived at their office on XXXX XXXX. 
Pursuant to 15 U.S. Code Title 15 CH 41 Sub Chapter III 1681i ( a ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The accounts should be removed at this point due to Experian 's failure to respond within 30 days.

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 2016-07-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I need your help on this file. I received this file after another negotiator could no longer work on it. I have been submitting paperwork since early XXXX. When I spoke to the bank in early XXXX no one could talk to me because they said the client had to fix something regarding my third party authorization. Finally when they fixed it the bank said they could not speak to me because they did not have a FHA addendum on file. When I requested this from the buyers they became angry because they though the short sale process was no were close to being done. 

They have had an offer on this property since XXXX. I can not speak for the other negotiator but I can understand why everyone is frustrated in this process. I received an email from XXXX last weeks stating that she needed additional documents and the XXXX was being order. When I asked her if there was a foreclosure date she said yes and that she would no longer be reviewing the file. 


She contradicted herself because I do n't even think she knew about the foreclosure until I mentioned it. If she was sending letters to the home owner and there were documents missing why did I not receive an email also. My clients speak XXXX so they were probably unaware of the documents that were missing. I received a new offer for this home today and will be getting all the documents in by Monday. Is there anyway that you could please consider stopping the foreclosure of this property on Tuesday XXXX XXXX. I know it is last minute but I will stay on top of this file so we can get his closed ASAP.

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: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Navy Federal CU from XX/XX/2015 through now continues to take the stance that my checking account was ovedrawn by {$4000.00} as a result of returned ach deposits. This is 100 % not true. I have the documentation as well as statements from the other bank ( s ) involved that substantiate this. In addition, the issue was further exasperated by the fact that they blocked internet access to my account which meant I could not monitor the situation as it developed and that I did n't know that they cancelled my mortgage payment. 
In a prior response from NFCU they reference XXXX ach w/d. There were XXXX. Nonetheless, the issue comes down to this- Over the course of several months, I initiated XXXX ach payments, and I have proof that XXXX were paid from the other institutions. After diligent and painstaking research on my part, I have come to understand how NFCU made the mistake. When I made the payment on NF website, they would credit my account for it. If the other institutions said after that the payment was no good, they would remove that from my NF account which makes total sense. In several cases, the othe bank would retry the payment ( that originally was reported as no good to NF ) and successfully complete the transfer. When that happened it would be taken out of my other bank account yet NF would never give me credit in my account for that amount. Again, I did not realize this for quite some time since i was not able to log into the account. I assumed I was getting proper credit. 
To illustrate what I mean, please consider the following example- I have a balance in my NF account of {$2000.00}. I make a deposit on NF website for {$1000.00}. They credit me and my balance becomes {$3000.00}. A day or so later the other bank where the ach was being pulled from tells NF that the payment was not succesfull so NF takes that {$1000.00} from my balance and it goes back to {$2000.00}. Several times however, the other bank tried to send the money again to NF ( same request that they denied before ) and it was succesfull. In that case, Navy should credit my account back the {$1000.00} but they did n't for whatever reason. The net result my NF account was never credited back {$4000.00} from payments that were initially denied but then paid. Further, the was blocked and a mortgage payment cancelled unbeknownst to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My bank issued an overdraft statement from my checking account at XXXX XXXX XXXX XXXX in 2011. I called the XXXX XXXX XXXX XXXX and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the Best Service Company and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the Best Service Company under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: CASHCALL, INC.
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I could not dispute because I have already got my free reports for the year but when trying to work with XXXX, I was told that XXXX XXXX had reported on my report as themselves and Cash Call which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans and then suddenly XXXX had the loan and then Cash Call is now trying to collect. It is listed double on my report. They are all the same people. I have researched this and many states are filing suits for these illegal loans where this company has been collecting from consumers in states where they were illegal and were made to refund their money back. It should not be reported XXXX with XXXX different companies asking for the same thing. I have nothing signed that says I have loans with XXXX XXXX or Cash Call, but what has happened is they are using all XXXX names to collect and finally Western Sky shut down, then XXXX XXXX, and hopefully the figure out Cash Call with the other states. Alabama is just behind but I feel like at some point it will be illegal here to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was scammed by XXXX XXXX, I was told by XXXX XXXX and XXXX XXXX, that I won {$150000.00} but in order to release my winnings I had to send {$500.00}. I refused so XXXX said that they would see what they could do to help me out. After weeks of talking back and forth to them, on XXXX XXXX they told me that I need a bank account so that they can deposit money into my account. I went and opened a checking and savings account that day at Wells Fargo Bank, I gave them the information that they needed to deposit the money. They kept saying trust me and that I have to do what they say. On XXXX XXXX I gave them access to my online banking. On XXXX XXXX, I received an email from the bank saying I have XXXX mobile deposits {$490.00} and {$500.00} from their friend XXXX XXXX. They told me that I have to take the money out of my account and send {$500.00} to XXXX XXXX in XXXX. And send {$450.00} to XXXX XXXX in XXXX. I told them my funds were pending, they told me as soon as they are available, do as we asked you. On Saturday XXXX XXXX, I received a email saying Deposit Successful!!! So I went to the bank and withdrew {$1000.00}. Went to XXXX XXXX and sent it to them. Gave the agent the control numbers. On Monday they said as soon as they pick up the money, that my money would be on its way to my door step. Excuse after excuse it never showed up!!! On Tuesday morning I received an email from the bank saying that I was overdrawn {$990.00} and they placed a hold on my account for fraud. That the checks were Counterfeit Checks. We went and talked to XXXX at the bank, he said that they front their customers the funds as a courtesy to them. I never would of withdrew the funds if I knew that the checks had n't cleared. I feel I was deceived from my bank. I thought that they are supposed to back their customers!! That is when XXXX gave me Loss Prevention phone number. And Attorney General Office gave me Federal Trade Commission and they referred me to this office

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 2016-05-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Hello. I am submitting a complaint about Navy Federal Credit Union. I was XXXX majority of last year and was highly unable to handle my credit card bills due to bad bandwidth and our location restricted me from having internet access. I was unable to pay my bill so they ended up closing my account with sending me any notices, along with closing my account with them. Now I am paying on a credit card that is supposedly closed but I am still paying on it. I would like the late payments removed or the entire credit card reopen. if not, removed entirely. I never received any notices while underway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX I am following up to my complaint ( Case # XXXX ) filed on XXXX XXXX, XXXX. We have sent numerous QWRs to Wells Fargo without a qualified response. They are refusing to comply with RESPA and provide us with qualified answers to our QWRs which we have been sending since XXXX, XXXX. Please make them respond. We believe that they have committed fraud by and through never notifying us of changes to our ARM mortgage which they allege to have inherited from Wachovia and before them XXXX XXXX. We believe that they have failed to properly credit our account and fail to notify us of changes to the Adjustable Rates.

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 2015-08-05
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP

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 2016-02-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied online at wellsfargo.com for a secured credit card with Wells Fargo on XX/XX/XXXX2016. After the application was complete, I received a screen that said my application was pending because Wells Fargo needed more time to gather more information. I did not receive any further correspondence from Wells Fargo about the application nor did I receive a phone call or any message from my Wells Fargo account about the application. On XXXX XXXX, 2016 I checked my account in the morning and found that {$300.00} was taken out of my bank account for the secured credit card that was approved with Wells Fargo. At this time I still had not received any information that I was approved for the application or that money would be taken from my bank account to start the secured credit card. As soon as I saw the money had been removed I called Wells Fargo to find out why. I spoke with a representative in the credit card department who advised me that I was approved for the application and that I would receive a card in the mail within 7-10 business days. I advised that I was upset about the steps that had been taken with no communication on Wells Fargo 's part to advise of the approval and that I wanted to know if I could decline to receive that account. The rep advised me that I had 10 days to call back to get my money back immediately but if I did not then it would take 45-60 days to have funds put back into my bank account. I waited 2 days to see if I would receive anything from Wells Fargo stating the account was approved and I did not. I proceeded to call Wells Fargo and close the account. I was advised that it would take 45-60 days to have the funds refunded to my account. I proceeded to advised the representative the issue and what had happened and she advised me that it may be sooner since the account was not fully funded and still in processing. As of XXXX XXXX, 2016 my funds have still not been refunded to my bank account and I still have not received any communication that I was approved for a secure credit card and what the terms and conditions of the card/application are. I called again on XX/XX/XXXX2016 and spoke with XXXX representatives and nothing was attempted to get my funds refunded sooner than XXXX business and I was advised that Wells Fargo 's policy was that they only refund the collateral hold within 45-60 days. Because I did not receive a email/letter/call about the approval for the application I was not made, aware before the funds were taken out of my account, that this was a policy of Wells Fargo and that it would apply to me once the funds were removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold my loan to XXXX XXXX. I am closing escrow on that property, and I am unable to get my payoff amount from either party, and have been told it could be weeks until that information is available for me. I am in financial straights and need to be able to access my loan payoff amount to close escrow.

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 2016-11-02
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am upset with the way Ditech has handle my loan. I have applied for a modification since XXXX XXXX. I faxed all the additional documents that were requested by Ditech and have yet to hear from them. I honestly thought I was being helped but I have been deceived. On XXXX/XXXX/2016 I spoke with agent XXXX Id # XXXX from the loss mitigation department and was told there were no new notes regarding my loan and that it was not yet with the underwriter. This was a major shock for me because I have done my part and provide everything I was asked for. Ditech has prolong my case because I am current on my mortgage payments. I had to escalate my file and spoke with manager XXXX ID # XXXX on XXXX/XXXX/2016. I told him my concerns and he reassure me that he was going to notate my account so when I call I can be provided with an update. I called today XXXX/XXXX/2016 and spoke with agent XXXX ID # XXXX. She just told me about the conversation I had with XXXX on XXXX/XXXX/2016 but again there were no new updates available At this point I am more than sure that Ditech is purposely prolonging my case so I can keep making the high mortgage payment knowing that my home is severely under water. I want my loan to be review based on the current value and my monthly income. Please considered me for the My City modification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is not the original amount and I was never contacted about this. It was just put on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened my account with Regions bank back in XXXX 2015. This is n't my only bank account I currently have XXXX XXXX XXXX and XXXX XXXX. Regions seems to the be the only headache and this why since I opened my account more than 6 months ago I have encountered over XXXX $ in overdraft fees. Till today I have had ENOUGH of it. On XXXX/XXXX/2015 around XXXX my account had a balance of negative XXXX XXXX dollars and change. So I went to the bank and deposited {$40.00} my balance was {$3.00} today in the morning I made a payment to XXXX XXXX XXXX of {$200.00} when I go to the bank to deposit the money I see that I have {$210.00} in NSF. From transactions that happened back on FRIDAY it 's TUESDAY. And okay I understand merchants take blah blah blah days to withdraw money from your account. But in my account it shows that these transactions ( 6 of them places like XXXX, etc. ) where posted XXXX/XXXX/2015 and that NSF was charged XXXX/XXXX/2015. REALLY? REALLY? REALLY? when I went to the bank at XXXX on XXXX XXXX, 2015 and your supposedly cut off hours are XXXX? 

My receipt printed with a {$3.00} POSITIVE BALANCE! 

These NSF are completely unfair, your online application completely and utterly sucks. 

So basically what I am trying to say is how if I went to the bank on Monday at XXXX and have a balance of {$3.00} I wake up with a NSF of XXXX in less than XXXX hours with out any warning that my account may be come over drafted, or ONE at least WARN ONCE before charging 6 over drafted fees. Regions shows you that you XXXX dollars left but not the pending transactions, like in this case I went to XXXX Friday @ XXXX and this showed up sometime Tuesday XXXX XXXX, 2015. 

I have called regions multiple of times, I have gone to the branch and until today that I got really mad no one was giving me answers like the famous " Opt-In over draft protection '' or explaining to me that the balance that I see on my phone is n't the correct balance that their might be missing transactions. And your own employee said that they only had regions for payroll, because quote on quote " You people are a mess '' The way I see it is regions does n't try to protect their customers from overdraft they do n't fully discloses ways to help you or add an over draft protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation