BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed Failures to properly reflect payments or credits to an account Calculation errors Charges that the consumer wants clarified or requests proof of Statements mailed to the wrong address Significantly not as described product/goods

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and XXXX, XXXX, and Experian to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.

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 2016-12-23
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with the Navy Federal Credit Union and filed a Chapter 13. As part of my court approved plan, I can turn the property over to the NFCU. After explaining this situation they asked that I apply to submit a Deed in Lieu of Foreclosure which I applied to do - before they would approve that they said the property needed to be listed with a broker for 90 days which I did and there is now an short sale offer on the table representing about 95 % of the outstanding loan balance. NFCU is now saying before they approve the short sale they must have a letter from the trustee saying that the trustee will approve a short sale. My lawyer says that before that request can be made we need a letter from NFCU that they will release the lien once the deal goes through and NFCU is refusing. Worse, despite numerous requests for a conversation with a supervisor have never had my call returned. Concurrently, they filed a motion to get a judgment against me for the entire balance remaining on the loan which of course the trustee objected to based on the plan that NFCU was aware of when they sought the judgment. Frankly NFCU seems to be acting in bad faith and I can not figure out why it would be in there best interest not to accept the short sale. They repeatedly tell me that their guidelines do not allow the committee to review the short sale approval without the trustee letter and when I tell them what I need to get the trustee and court approval they tell me that I will not receive the letter. I am afraid now that the offer for the short sale will get pulled thanks to NFCU 's failure to work with me in a timely manner. It is shameful and I can not imagine that this is in NFCUs best interest - they should accept the short sale offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are behind in our mortgage due to hardship but do not qualify for modification. I have requested a payment history, we have not received I have sent in paperwork for repayment plan, they claim not received. We do not have a single point of contact to work with for repayment plan, I can not access any information regarding our loan on line, We are requesting a single point of contact to go over options of repayment plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
FRAUDULENT FORECLOSURE : I TOOK OUT A LOAN BUT THEN MY MONTHLY PAYMENT INCREASED TO AN AMOUNT THAT WE DID NOT AGREE TO. I TRIED TO DEAL DIRECTLY WITH THE BANK BY DOING A LOAN MODIFICATION BUT EVERY TIME I HAVE TIRED, THE BANK KEEPS ASKING FOR DOCUMENTATION THAT I ALREADY HAVE SENT TO THEM. ALL THIS TIME IT SEEMS THAT THEY HAVE KEPT ME ENTERTAIN DOING A LOAN MODIFICATION BUT IN REALITY THE BANK JUST KEPT MOVING WITH FORECLOSURE PROCEDURES. THE SALE DATE IS SCHEDULRE FOR THE XXXX OF XXXX OF 2015 BUT THE BANK HAS NOT SHOW ANY SIGNS OF GOOD FAITH TO TRY TO RESOLVE THE ISSUE IN A DIFFERENT WAY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: SECURITY FINANCE CORP
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have contacted Security Finance several times in an effort to have them report correctly to the credit bureau that the account I had with them does not have a balance. According to my credit report they continuously verify the account as showing a {$900.00} balance. I recently spoke with a representative at the XXXX, AL office that informed me that the account reflected a {$0.00} balance and was agreed to be listed as paid in full and is listed in their system under bankruptcy filings. However, that is not the case as it reflects on my credit report. The representative also informed me that the system in which they report to the credit bureaus has been inoperative since XX/XX/2016. I questioned them and asked if the system is not working, how could they possibly be reporting correct information. I did n't get a response. According to the FCRA reporting false information to the credit bureaus is against the law and is rights for me to collect up to {$1000.00} per violation. I have informed them numerous times reporting inaccurate information is unfair to me as a consumer and they are diminishing my credit history on purpose.

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 2016-09-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a business checking account for my son to start a new t-shirt, screen printing business with Wells Fargo Bank XXXX/XXXX/XXXX. I deposited {$2500.00} to open the account, which I thought was a simple checking account. The business was in my son 's name and registered in the State of XXXX, I live in XXXX. 
On XXXX/XXXX/XXXX I went into the local Wells Fargo branch and met with a Banker to remove my name from the checking account and leave it solely in my son 's name. I completed the paperwork with the Banker and thought that would be my last involvement with the account. 
About the 3rd week of XXXX XXXX, I received a call from my son in XXXX stating that Wells Fargo had contacted him regarding his outstanding balance of over {$9000.00} and that I was personally responsible for the balance which was on a credit card tied to the checking account. I never signed up for a credit card on the checking account and had removed my name from the account 9 months earlier. 
The final result of this was that Wells Fargo charged {$1300.00} in overdraft fees and almost {$1900.00} in finance charges in the approximately 9 months that the account was supposedly in the hands of my son. Wells Fargo came after me for the $ XXXX and eventually I agreed to pay {$9000.00} to avoid the ongoing monthly charges and the ding to my credit each month. 

They said I agreed to this credit card on the checking account and that when I removed myself from the checking account I should have also told them that I wanted myself removed from the credit card. How could I possibly ask to do that when I did n't even know there was a credit card attached to the checking account? Should n't the Banker I worked with to remove my name in XXXX XXXX have told me that there was a credit card attached to the account and that I was responsible for any activity in spite of removing my name from the account? 
I feel I was told to sign things which were not explained to me and should not have been responsible for anything more than a simple checking account with an initial deposit of {$2500.00}. 
I plead my case with the local branch manager, the local District Manager and his Boss in XXXX and was told I had signed the forms and I was responsible, no negotiation. 
I feel Wells Fargo owes me {$9000.00} and a full apology for the time and aggravation they put me and my son through.

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 2015-05-20
Company: Green Square Company LLC.
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received a phone call. Person spoke very fast and know personal information. Claimed that I owe for a payday loan from payday.com from 2008. Would not let me dispute the age of the loan and when I asked for written or emailed information was told that I would receive it after payment. I agreed to a settlement payment and then researched the company and found that they are scammers. I stopped payment and now they are calling me for that.

Company response to consumer: Closed
Consumer complaint received 2015-09-02
Company: Rhode Island Student Loan Authority
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
While attending XXXX I took out a student loan with RILSA ( Rhode Island Student Loan Authority ). I recently heard in the news that XXXX under went a lawsuit based on late fee 's they charged. RILSA is charging 6 % of the payment that is due. I feel that 6 % is excessive, as it equates to roughly 10 % of my yearly interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My daughter purchased a car from Santander bank. She has made all the payments and the car is completely in her name a XXXX. I made XXXX payments for her because she needed some help in XX/XX/2015. I am not sure what happened but the next thing I know Santander is calling me to make a payment for a car I was not liable for. It got so bad that one of the representatives told me I was liable for the car and they kept telling me I was. I finally got sick of it and got an attorney due to the continued phone calls. To my surprise they offered a settlement of paying off the car with a little cash but I have to turn in the car. How can I possibly turn in a car that does not belong to me. I did have another loan with Santander where I co signed for a car but that car a XXXX was repro 'd and I take full responsibility for that but the XXXX has nothing to do with them calling me and demanding payment for the XXXX. I am so frustrated at this point. There are recordings of calls made to me after the XXXX was repo 'd that had nothing to do with the XXXX it was about the XXXX. My daughter is now seeking legal advice as well based on Santanders actions. I do n't understand why they still believe I have ties to the XXXX when all documents ( the contract ) does not have my name anywhere. I think Santander is ridiculous and should get their books in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Green Square Company LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got a call and voicemail from a XXXX XXXX. Called her back at XXXX xt XXXX and the phone was answered by someone else. XXXX then got on the phone and told me she was with Premier Group and that I owed money on a default loan to XXXX XXXX XXXX and needed to pay it back. She originally could not locate my number or name in her system. Then when I verbally spelled it out she said oh yeah there you are. When I asked her to send information in writing she told me to hold on and then there was music playing. Then a man got on the phone and basically told me that I was n't asking him the right questions and that if I intended to pay that I would be asking him how. When I told him that he needs to send me something in writing he told me that I had to setup a payment agreement first. When I told him I would not do anything without proof of his claims in writing he told me okay fine and hung up the phone. I have looked them

Company response to consumer: Closed
Consumer complaint received 2016-01-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX I purchased a XXXX property with a XXXX sign on the property. I paid the load off in XXXX. XXXX XXXX still has a lien on the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/XXXX I sent letters to EQUIFAX requesting verification. EQUIFAX continues to break federal laws according to FCRA. EQUIFAX has conducted a improper investigation. Equifax has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified. '' I REQUEST THAT ALL UNVERIFIABLE INFORMATION BE PROMPLTLY DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX XXXX loan modification Approval with my VA Lender First Continental XXXX Mortgage XXXX my lender has failed to send my loan balance statements. 
I have been making timely payments of {$1700.00} @ month on my VA mortgage since XXXX XXXX and my XXXX bank Direct payments online is my evidence of payments. 
When VA loan modification was approved l had new Balance on my loan of {$250000.00} and as payments has been made since XXXX XXXX till present l have n't receive any VA Loan or escrow account 's statements on balance of loan, etc.Why? 
Also, Lender has failed to send me loan statement documents for six months by Regular XXXX Mail Service at my home address XXXX XXXX XXXX XXXX, XXXX, XXXX or my XXXX XXXX XXXX, XXXX XXXX XXXX. 
I travel to XXXX for my XXXX XXXX treatments with my Physician XXXX XXXX XXXX in XXXX, XXXX 
I am retired. 
Also, my lender has failed to disclose my VA loan on my credit report with XXXX, and XXXX it has been over 60 days, since l file complaints as my lender rep states that my credit report will be updated. 
We are in XXXX XXXX and nothing is done. 
I am been Retaliated and Discriminated because I am a XXXX Military Veteran and l my filed complaints against lender since the lender fraud issues from XXXX XXXX. 
I will email VA loan documents to Consumer Financial Protection Bureau with my case number complaint. 
This is a Urgent request that Federal government conduct a investigation against my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
ON XXXX XXXX I place a call to Wells Fargo to report a fraud. Wells Frago employee turn blind eye to my report, I woke on XX/XX/2016 to find my account empty out and have a balance of XXXX dollars I called them The supervisor I spoke with was very rude said there was no fraud, I told yes there is since I did not touch the money I had in my account I better not be having overdraft fee charge to my account because I had money in there but since they refuse to take care of my fraud report. XXXX/XXXX/16 I had XXXX that was directly deposited into my account they still took all my money bringing my account to XXXX. I call them again but they refuse to fix the issue, I woke up on XXXX/XXXX/16 to have XXXX charges of XXXX dollars fees for overdraft i call spoke to XXXX XXXX, on XXXX/XXXX/16 at XXXX, her response to me was is that all. I could not believe what I was hearing I have been calling regarding this issues non stop and all the agent got to say to me is that all. Wells Fargo STOLE XXXX dollars out of my account. I will be going to news with this, I have written an email to the board of Wells Fargo and NOT ONE PERSON REACH TO ME TO EXPLAIN TO ME WHAT IS BEING DONE & gt ; I AM CALLING FRAUD ON MY ACCOUNT, I HAVE A VERY LARGE FOLLOWING ON SOCIAL MEDIA I WILL POST MY CONCERNS TO EVERY SOCIAL MEDIA OUTLET SO EVERY NEWS CHANEL CAN PICK UP ON THE ACTIVITY THAT IS STILL GOING ON AT WELLS FARGO & gt ; XXXX XXXX THE EMPLOYEE AND EVERY OTHER EMPLOYEE THAT I HAVE SPOKEN WITH WHOSE AWARE OF THE FRAUDULENT ACTIVITY SHOULD BE FIRED AS WELL XXXX XXXX SUPERVISOR XXXX XXXX AGENT XXXX XXXX AGENT THEY DON '' T NEED A JOB I NEED ALL MY MONEY ALL MY XXXX DOLLARS BACK IN MY ACCOUNT THEN I WANT TO CLOSE THE ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-20
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan is with Sallie Mae. I have an ongoing, terrible situation with Sallie Mae private loan department. I have spoken to several different customer advocates who have been able to help some but the last one I spoke with les me astray and now Sallie Mae says I owe {$800.00} immediately which I do not have. 

I took a private loan in XXXX 2013 so I could finish XXXX school and my father in law cosigned. Ever since my loan has graduated from the grace period, Sallie Mae always calls and harrasses my cosigner and NEVER contacts me. I have to speak with the customer advocate who has helped with payments but never handles the issue of my cosigner receiving XXXX % of calls and mailings. I have yet to receive anything. 

I have used my forbearance time and am having trouble paying. My husband has been out of work and we have recently moved to take new jobs and our income has yet to catch up. My cosigner is in poor health and does not work. I spoke with a customer advocate who said I could sign up for an income based plan which would take my payments from {$210.00} to {$68.00} which is much more doable. And would erase my late fees once I made three payments. I spent over an hour on the phone with her going over my financials, as did my cosigner. She then called back the next day and said she had to forward to financial for approval and asked me to go over my financials again saying that because I had a monthly deficit that financial would not approve me and we should try to change some things. I was confused and worried because neither myself or my cosigner have available funds. She said she would call the next day. We also set up two years of payments at the {$68.00} amount. 

It took her four days and when she called back she was very curt and said financial said between me and my cosigner we made too much for the income based and the payment would stand at {$210.00} and we owed {$800.00} back payment. She could not extend the amount or help with any postponement of payments. She also never addressed the problem of the reps calling and threatening the cosigner. 

I am really at a loss now. I do not have {$800.00} to get caught up and neither does the cosigner. I can pay the {$68.00} if I can get the income based payments. When I signed on originally I was told the payment was {$25.00} a month while in school and payments would be calculated once I graduated. One month they took {$25.00} and the next {$210.00} without warning or notice ( I was on automatic payments then ). 

I want a company where I can call and get solutions. Not rude customer service agents or advocates who ask me to change financials and then do not get approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
We took out a private student loan for my son XX/XX/XXXX with a variable interest rate, the loan amount was for XXXX, they charges us 13.586 % interest on the loan while he was in school and doing his XXXX so he started paying on the loan XX/XX/XXXX. At this time the loan is at 7.25 % and the new balance is XXXX, I have been on the phone for days trying to get information on this loan so we can try and redo it through the company that owns it and lock in the interest rate. I was told American Education Services owns it who told me National Collegiate trust owns it who told me AES owns it, regardless everyone at every company I talked to have said they can do nothing with the loan we are just stuck with it and when he pays it off he will be paying a total of XXXX. We were in a position where I got sick and had XXXX XXXX and needed to get him through school and did what I thought was necessary at the time to get him the funding to finish, not realizing no one would work with us and this could not be rewritten. We do not want the loan forgiven we just want a reasonable interest rate, and no one will work with us.

Company response to consumer: Closed with explanation