BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I filed a complaint with the Consumer Finance Protection Bureau regarding issues with Ocwen Loan Servicing and it 's predecessors not providing a 30 day FDCPA letter and I was told by Ocwen that additional time was needed and I was later contacted by Attorney XXXX XXXX XXXX informing me that his law firm represented Ocwen Loan Servicing in Complaint No. XXXX. I sent an email to XXXX XXXX as the letter clearly sated to contact him with any questions. I never received a response back from Attorney XXXX XXXX, but I have since discovered that Attorney XXXX XXXX is not licensed to practice law in the State of North Carolina. Valuable time was wasted by Attorney XXXX 's failure to contact me back and my property was sold on today, XXXX XXXX, 2016 at XXXX XXXX after Ocwen informed me on several occasions that the sale had been postponed. Once I had confirmation from Ocwen that the sale was postponed, I went to Ocwen online set up an appointment with my relationship manager to discuss alternatives to foreclosure while the sale had been placed on hold. The appointment was confirmed for today, XXXX XXXX, 2016 at XXXX. I was given a temporary relationship manager as my relationship manager was unavailable for the appointment time. At XXXX, during my appointment time, my temporary relationship manager informed me that the sale was postponed and that I could download the forms for a modification on-line. I called back again after the time that the sale was originally set for only to find out that the property was sold and that Ocwen had provided false statements to me regarding the postponement of the sale. I have attached a copy of the confirmed appointment time which mentions the fact that the sale was postponed along with a copy of the letter from Attorney XXXX XXXX, who is not a licensed attorney in the state of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Shopping for a line of credit

Complaint:
I had put XXXX down on a XXXX XXXX XXXX me 6 months will lower payment, ,as my insurance was XXXX ..i was paying XXXX $ monthly teaching at college, ,yes.. after 1 year i had gotten in a bad XXXX, no longer can work, i am on my XXXX XXXX, ,at that time i asked to ; lower payment it over time, ,they said we never said that and your sales guy is no longer here, ,i cou ; ld not pay that XXXX $ any longer, ,so i gave XXXX back and i gave them XXXX $ again for a 2008 scion box,,, that wa sthe deal if i bought another carb XXXX DOWN AND GAVE XXXX THEY NWILL AUCTION OFF AND WE WILL BE EVEN,,,,, ,OF COURSE I DID NOT KNOW HE ALSO RAISED APR TO 28 % i am SICK,,, ..holy XXXX,,, XXXX months layer i paid XXXX $ to XXXX car PAID IT OFF,,,,, ,they HAD auctioned XXXX back then and sent me a =letter of owe 0 ) XXXX ,its in my file ..., ,i also had given my daughter XXXX to put on a XXXX also because of my settlement money i was able, to do this,,, i was never told anything else ... .but i think after they found out about my moneys they changed their mind and iv been getting letters to owe another XXXX $ for XXXX, ,i already paid XXXX on XXXX and tHey auctioned for XXXX XXXX car was only XXXX $ and i had for 1 year,,, does not make sense, ,how would they even sell me another car for XXXX down and handed my old car in if i owed any thing else ... please help me this is crazy,,, I would have taking care of these things if they would have told me from beginning, ,i do not do scams very well..i am certified PI BUT STILL CAN NOT WORK & lt ; & lt ; XXXX XXXX recently to a US XXXX whom has purple XXXX from XXXX and XXXX, ,and he takes good care of me, ,i just need to get a chance to please get my life back, XXXX years ago i went thru a bad time after accident and put me in a lot of problems alone, next thing i had these little bills from things i do not even aware of, ,i just need this all fixed,,, i am receiving my second part of my settlement in XXXX `- XXXX months and i need to have credit fixed to move buy land and buy a business for my older kids to have when i leave from here,,, ,please help me fix all this, i need to get cleaned up in system thank you so very much ... XXXX XXXX XXXX, ,like i said i paid off my scion XXXX XXXX months after and paid dr.uecker {$8500.00},, paid rent electricity, never have been evicted i pay all my bills, ,i have great XXXX health XXXX. i donot see why my score is still so low, ,i cant do much buying and using credit when iv had XXXX surgeries i XXXX years and on bed rest now from another XXXX XXXX weeks ago XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXXEquifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XXXX/XXXX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I had applied to Wells Fargo for a refinance of my current mortgage, held by Wells Fargo. I have been in my home for 15 years and am current on my payments. I was very open about my situation, XXXX years old, XXXX veteran, looking at retirement soon, I have lost XXXX jobs in the past 10 years due to our economy and am very much trying to keep my home and prepare as best I can for retirement. 

I have been working with XXXX XXXX XXXX of a local Wells Fargo branch, and we were on the verge of setting a date for the refinance closing. I received and email from XXXX stating that Wells Fargo had told him that the VA had just changed their guidelines and that as I had been late in one payment that they, the VA, would not authorize a refinance of my mortgage. I called the VA directly and spoke with a young lady named XXXX. XXXX was not aware of this restriction and explicitly stated that the VA wanted to help veterans keep their homes and be in the best financial position possible. When I informed various people of my conversation with the VA, Wells Fargo changed their reason for not being able to refinance my mortgage due to requirements imposed upon them by the Consumer Finance Protection Bureau. Like many Americans I am basically living week by week and the savings I would realize by being granted a refinance would be extremely meaningful. My local Wells Fargo rep would like to move along with the refinance, but Wells Fargo Corporate is telling him he can not. I have spoken/communicated with the following Wells Fargo staff : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

During the course of various conversations I have inferred that if I did not make payments for 3 months or more that there were Government Programs I could take advantage of. I do not want to get behind in my payments, I would just like to get some relief thru a refinance at a lower rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: WELLS FARGO & COMPANY
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo keeps taking withdraws from my Checking account without my consent ; I had a illegal amount of {$81.00} from a XXXX account that was n't mine. I called the XXXX and they instructed me to contact Wells Fargo to get a CHARGE BACK for that amount. 
Wells Fargo did put back that amount ; only to take the amount BACK out of my account. 
And the bank refused to replace that even though it IS THERE ERROR to do so. 
I want my money back into my Checking account POST HASTE. 
I keep the printout of their error that bears out my concern. This has happened XXXX ; and we faxed from another branch of their own bank that proved my claim ; and they lost the faxes XXXX times ... .. the banker on our end stated he faxed to the fraud division XXXX. 
And he concurs we have proven our side enough to get our money back into the checking account ... .. 
WELLS FARGO IS A FRAUD!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo purchased my mortgage from a different company. I have repeadtly tried to go through proper channels including sending a letter to the CEO asking to change my due date. I only get paid once a month - the XXXX - so I need a due date after the XXXX. The company refuses to even acknowledge anything only stating I signed paperwork that it is ok to have my loan assigned. While true, I did not sign anything for Wells Fargo. By refusing to change the due to after the XXXX, Wells Fargo is causing me undue financial hardship and possible late charges and fees that will be accumulated. The company can not provide a valid reason as to why this can not be changed

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 2016-08-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited {$240.00} through the atm to transfer to another account with Wells Fargo. I was showing a positive balance and made the transfer. The next day, I looked and saw that my account was negative because of pending transactions ... I immediately made a {$40.00} deposit. 
Later on the same day, they charge me {$35.00} for the transfer that was made. This is a lie because the bank does not allow you to transfer funds if the funds are not available. This is how they post it : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$220.00} ONLINE TRANSFER TO XXXX CHECKING XXXX {$35.00} XXXX/XXXX/16 ONLINE TRANSFER TO XXXX CHECKING XXXX REF # XXXX ON XXXX/XXXX/16 {$220.00} This is a lie. It is impossible to transfer funds you do n't have to another account. Since they post it incorrectly, the fee is not valid and I should not be charge this {$35.00}. They have an obligation to be accurate and it is not okay for the banks to get away with charging fees on excuses.

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 2016-06-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Yes navy federal credit union blocked my account after me being 60 plus days a member and qualified as a member under my father serving in the XXXX in XXXX. I have over XXXX XXXX dollars in my checking and also money in my savings they blocked my rent online bill payment to my apt complex and now are refusing to unlock my account and honor my check sent from them to my apt complex furthermore they refused to accept my poa as I requested several times and also refusing to let me speak to someone in regards to my checking savings and credit card which I make XXXX payments or more a month my fathers name is XXXX XXXX I demand they take my account off of hold

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The first thing that happened was I received a letter on XXXX from XXXX XXXX XXXX. This is evidently a collection agency trying to collect a debt for a Bank of America card in the amount of {$1300.00}. I spoke with a XXXX XXXX at XXXX and we went over all the information he was able to give me about the charges on the card. He said the card was opened on XXXX and closed on XXXX. I never applied for the card, never received a card, never got a billing statement or any correspondence from Bank of America nor an email. These are not my charges nor my account. I didn't know the account number until I called XXXX XXXX and he gave it to me so I could further the investigation. This collection letter is the first I've heard anything regarding this issue.

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 2015-09-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have had numerous problems getting Equifax to fix errors on my credit report. They take a long time, do not do a proper investigation and are causing me distress and financial problems. I am unable to secure housing for my son and myself because they will not fix the errors. I am going to have to retain an attorney to address these issues in court but that is going to take months. Meanwhile the damage continues to affect my livelihood. Below is the list of errors:1. For 5 years they reported a charge off account on my credit report twice. For 5 years I disputed this error and they never corrected it. I was informed by the creditor that Equifax was aware of the problem but never took the necessary steps to correct it. 
2. I had an account with XXXX XXXX which was paid off XX/XX/XXXX. Equifax continues to report this account as being open and XXXX days late. This is incorrect. 
3. I had an XXXX account that is paid off that they are reporting as a charge off. THe other XXXX credit reporting agencies are reporting it correctly, the account is paid and closed. 
4. I have another account with XXXX Bank whic Equifax is reporting as a charge off. They claim the last activity was XX/XX/XXXX but have no payment activity recorded prior to that. They dates of last activity are incorrect. Again, this account is past the statute of limitations and should be deleted from my file. However because Equifax has the wrong information they have not done so. They had removed it once but then it was reinserted. 

I have asked them to investigate every negative entry on my credit file because of their errors I need to have every account investigated to ensure that the items are properly reported. I am a XXXX veteran, and a single mother trying to provide for my son and this is threatened because Equifax is negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to WELLS FARGO BANK VISA. 

I deny any debt, claim, or judgment by WELLS FARGO VISA or XXXX, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE 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 2017-02-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
While I was traveling my Debit card was fraudulently used for online purchases to XXXX and XXXX. 
I was able to obtain demographic & personal identification information about the person ( s ) who fraudulently used my card. 

I want to make official report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: Integrated Recovery Services
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A company called integrated services calls my cell and work place about a loan that I believe that I have paid in full from over a year ago. They have made claims that I committed fraud and other outlandish accusations. I asked them to send me proof of what they say that I owe to them and they have never done so. I asked that they stop calling my job and if they intend to file the lawsuit, to do so but stop harassing me about a debt that I do n't even think that I owe. I have had individuals call using profanity and making threats that are going to cause me to lose my job, file court proceedings, garnish my wages and so on ... I 've tried to explain to then that I do not think I owe them anymore money but I 'm willing to look at the documentation and if I 'm wrong I 'll pay you your money. They refuse to honor any of my request and continue to contact my employer and have left messages on my boss 's phone with details about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing regarding the Wells Fargo situation in which many, many accounts were opened without customer authorization. It happened to me in 2012 at the XXXX, N.J.branch There were XXXX accounts that I noticed in my online profile that I did not recognize. I called their XXXX number, explained what I saw and was told they would investigate. They told me the accounts were opened by a XXXX XXXX in person at the branch. I never opened any additional accounts at the branch and never heard of a XXXX XXXX. What they did n't tell me was that they were shutting down my accounts until they investigated. As a result I had no access to my money for 2 days. I went into the branch looking for the branch manager at the time, XXXX XXXX. I explained why I needed to see him to several people on different occasions but was told every time he was unavailable. It seems he was forewarned of my anger and was too guilty to come out and see me. I then formalized my complaint in writing and it was sent to a XXXX XXXX for review. After 2-3 days XXXX called me and said there was no wrong doing. To me this was a flagrant cover up by these XXXX individuals. Just recently, I contacted the wells hotline at XXXX and explained what happened. The woman I spoke to was very understanding and did confirm there were accounts opened under my name without my authorization back in 2012. Simple and to the point, accounts were opened without my authorization unlike what the XXXX people I have mentioned told me. I gave her the names of the XXXX people involved and she assured me my case would be re-opened and reviewed. Of course I would not be informed of the outcome of their investigation! Well, at this point I ca n't trust that any investigation would actually be done by Wells Fargo as they had covered up this situation before. For this reason I am writing to the CFPB. I did not incur any fees as a result of their actions so I am obviously not looking for any money, but it truly angered me to the core that they would do this to a 30 year customer of their bank. I keep seeing a figure that XXXX people were fired for doing the exact same thing these XXXX people did to me. XXXX person fraudulently opened the accounts ( XXXX XXXX ) and XXXX people covered it up ( XXXX XXXX and XXXX XXXX ). From what I understand, these XXXX people are still employed by Wells Fargo and they should be punished for their unlawful and unethical actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a cosigner on my child 's XXXX loans. My child refuses to make payments or consolidate the loans even though they earn an excellent salary. Wells Fargo is aware of the problem yet they do not pursue the borrower at all with any notifications or attempts to collect, yet they come after me as if I were the primary borrower. 
Wells Fargo has stated that there is a vehicle by which I can be removed as cosigner. I have requested that they do this. Wells Fargo repeatedly states that someone will be in touch with me yet I have not received any contact from anyone at Wells Fargo regarding this promised modification. My spouse wishes to retire and we need to get this resolved. 
Thank You,

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