BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: WELLS FARGO & COMPANY
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Before I was educated on FAFSA. I was made to believe that my only option for school financing was private student loans. I went ahead and applied for a Student Loan with Wells Fargo. I am newly Graduated and finally got my first job. Of course being newly graduated and not having much experience my salary isnt as high as i would like it to be, once again due to lack of expereince. I am unable to pay the full amount of my Private student Loan. I have reached out multiple times to Wells Fargo to speak about options i have to relive me from some of this financial burden and they were not very helpful at all in wanting to help me. I can not afford the monthly payments they are requiring me to make and I often have to decide which bills to pay and not pay on a month to month basis because the weight of the financial burden is to heavy. 

I also herd that if I had a private student loan but was eligibale for a federal that i was able to convert this private loan into a federal student loan. I dont know how true that is or not. All i know is that I have tried to contract Wells Fargo multiple times about coming up with a repayment plan that would work for both of us and they are not working with me at all. If i am late on payments ( After i told them i was unable to pay full amount ) they start to call and harass me non stop to my cell phone and my parents work phone numbers. 

I am trying to take care of my responsibilities but they make it very difficult for me. I feel like I am drowning. Please Please help me

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 2017-01-28
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card
Issue: Other

Complaint:
The credit union has robbed me blind. They took money from XXXX ( a student loan ) and paid an unsecured credit card of XXXX with it. XXXX can not file bankruptcy on the money that was just stolen by Navy Federal Credit Union and she needs it for school. She needs it refunded immediately. They have unlawfully stolen it from the account. This is an outrage and we are heavily contemplating legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to Bank Of America And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to complain about JP Morgan Chase refusal to credit my mortgage account with late charges in the amount of {$300.00}. These charges incurred in the account over five years period and were caused of technical issues on Chase.com own website in processing my payments on time. To date, the full mortgage balance has been paid off including all fees involved. I strongly believe that Chase should credit me the amount of {$300.00} since these charges were beyond my control. I had a strong history on making my payments on time. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
With the support of my NJ Making Homes Affordable/XXXX Solutions housing counselor I gathered required documents and faxed them ahead of a 7 day minimum requirement deadline for loan modification review. 
Upon calling to confirm that said documents were received, I was told that my application was received by the Wells Fargo Re-entry department instead of the Home Preservation department my housing counselor put me in contact with. 
On Friday, XX/XX/XXXX, inside the 7 day window I received a call informing me that one document needed resigning and that XXXX additional documents heretofore not requested was needed by Wells Fargo. 
I gathered these documents and within 48 hours had faxed them to Wells Fargo. 
Today, XX/XX/XXXX I called Wells Fargo to be certain that all documents needed were received. 
Again, I was transferred to the Re-Entry department and was told that my documents would not be reviewed due to the seven day deadline being past. 
I was told that I would need to seek an adjournment of my sheriff sale. 
I was of the understanding that Wells Fargo would adjourn the sheriff sale as it was reviewing my application. 
It is my assertion that Wells Fargo is not servicing my FHA mortgage loan modification in a legal manner and may be committing fraud by what it 's telling me how to properly servicing my application.

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 2016-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Balance transfer fee

Complaint:
About 6 month ago I applied for a secured Credit Card with Wells Fargo since I bank there for the last 4 years. I was approved and deposited {$300.00} into the card. Since I have a XXXX my mother is helping me with my monthly payments. 

On XX/XX/2016 I made a transfer in the amount of {$45.00} from my checking account into the the secured credit card and got charged a {$35.00} Overdraft Transfer fee. 

On XX/XX/2016 my mother made a {$43.00} deposit into my checking account through the ATM, which was posted to my account on XXXX. That means the bank was working with my money for 4 days before they transfered it into my checking account, which resulted for me to have a negative amount of {$0.00} cents on my secured credit card, since I was unable to make a transfer deposit. 

On XX/XX/2016 I was finally able to transfer {$0.00} cents into my securedt credit card after the bank deposited the {$43.00} my mother deposited into the ATM on XX/XX/2016. For the transfer of the XXXX cents I received another {$35.00} fee. 

My account is now overdrawn by {$71.00}. On top of that the bank charged me another {$10.00} annual fee on my secured credit card, that means my card is now overdrawn by {$11.00} which probably result in another {$35.00} fee on the next day. I was not aware of an annual fee and the bank never informed me before debiting my secured credit card. 

Since I am on XXXX my Social Security payment comes into my account always on the XXXX of each month. With now {$82.00} in minus on both accounts together I am not able to pay my utility bills. It also means that the bank is now reporting an over the limit to the XXXX credit bureaus on my secured credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am making a complaint against Wells Fargo Dealership services they repossessed my XXXX HYUNDA SONATA. I was paying the notes on the car the last payment that I made was XX/XX/2016 and it was taken XX/XX/2016.This situation put me in a very terrible situation.I was not able to get to work because of the repossession. They sold my car and they now want me to pay the balance of the loan.,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX University. I after my financial aid, i took out private loans to cover the remaining balance. The current loan amount is no where near the amount had taken out originally. Coming out of high school, the ramification of private loan and interest rates was never explained to me. The lowest interest rate at the time offered was Wells Fargo, so chose Wells Fargo as my lender. I was never given an example at any time what my expected repayment amount would be. I took out XXXX loans and all were treated separately. currently i am expected to repay {$950.00} dollars a month. this is almost XXXX percent of my monthly income. Wells Fargo acknowledged this is more than i can afford. Wells Fargo refused with work with me, even though i try my best to ensure my account is current. Their reason is, i have a co-signer. I explained that my co-signer helps with other aspects of my like financially to ensure i can stay current on my student loans. All i asked for was work with my on some type of repayment package, instead of paying XXXX % of my monthly income to just wells fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Account number:XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: AVANTE
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS DEBT IS FROM THE XXXX. ON THE DAY IN QUESTION I WENT IN, SOMEONE TOOK MY VITALS AND SENT ME TO WAITING AREA AFTER I PRESENT WITH SEVERE CHEST PAIN. AFTER A XXXX MINUTE WAIT IT WAS APPARENT THAT I WAS NOT GOING TO BE SEEN BEFORE DEATH. SO I LEFT AND WENT TO ANOTHER HOSPITAL WHERE I WAS TREATED XXXX. I NEVER SAW A DOCTOR I ONLY HAD MY BP, AND TEMP CHECKED - THIS CHARGE IS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Penn Credit Corporation
State: MI
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:
Credit Penn Corporarion has given me a derogatory XXXX on my XXXX XXXX based on inaccurate information. I do not have an outstanding debt with XXXX ( original account holder ) The account was paid in full and closed. I contacted XXXX AND Credit Penn corporation and I am getting the run around. Meanwhile my score has dropped XXXX points. XXXX XXXX of credit Corp Penn told me he could not take my word or confirmation number I retrieved from XXXX to prove I have no outstanding balances. The confirmation number is : XXXX XXXX has told me to contact the credit bureau, so this is my attempt to clear this matter before Credit Penn Corporstion report again with a derogatory mark.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: National Credit Systems,Inc.
State: AZ
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:
The debt was passed to the collection agency corresponding to this complaint without notice from rental property the debt allegedly originated from. After my attorney contacted the rental property, the debt was dropped due to its erroneous nature. I contacted the collection agency by phone to advise them the collection was being dropped. The rental property sent an email that day to the collection agency, with me copied on it, stating that the debt was cleared and the account should be closed. The following day I checked the collection agency 's website ( www.nationalcreditsystems.com ) and noticed the original amount was still listed as owed. I contacted them via email, and was told that the website did n't update daily. However, two weeks have passed since this communication, but the website still shows the balance as owed. Although I have received an email communication from the collection agency stating that the account was closed, I 'm concerned with the fact that the website still shows a balance owed, and all subsequent attempts to contact them have been ignored. I 'm only able to speak to an agent, who consistently advises that she is not associated with the website and knows nothing about how it 's operated. I ask to speak to someone who is knowledgeable about the website, but I 'm told she does n't have access to those people. I have asked XXXX separate times to speak with a supervisor. Each time I was placed on hold for over 20 minutes with no answer. Each time I had to hang up while on hold due to other obligations. My phone calls have never been returned. I sent an email on XXXX/XXXX/2016, but did not receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a XXXX person that has a lot of of XXXX problems and I have XXXX and I am on a lot of XXXX XXXX XXXX that has to be monitored through XXXX XXXX. I have been dismissed from doctors offices because I couldn't keep my appointments with these doctors offices because my XXXX prevented me from keeping these appointments because my XXXX was XXXX to where I could not move. I have good days and bad days. I have been told that it is the doctors orders not to take me on as a new patient because I have missed to many appointments. And my health has gotten worse because these facilities not giving me the right kind of medical treatment and care and medications that I need in order to function properly. Instead my insurance company chose to make jokes about my health and welfare and to no avail has tried to help me. XXXX XXXX representives have even hung up the phone in my ear and has made a mockery about my family and health. XX/XX/2018 I have been part of XXXX XXXX. I have had XXXX work done in which XXXX XXXX pulled all of my XXXX out all in one day and I could have bled to death. And this company wanted me to pay the remaining balance of {$310.00} when they went behind my back with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously disputed this JPMCB Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your JPMCBs claims that theyve investigation this item. On my last certified dispute letter to JPMCB, I requested that they mail me the proof of their investigation within 30 days. It has been more than a year and they have not mailed me the proof. JPMCBs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, JPMCB should delete this negative information from all my credit reports. It has been a terrible experience dealing with JPMCB. I have maintained a careful record of my communications with JPMCB for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should JPMCB not remove this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially moved into XXXX XXXX XXXX in XXXX, IL in XXXX after XXXX. Before I signed the lease, I had authorization from XXXX to received XXXX in order to pay for the apartment, as well as their approval to live off base. Shortly after I signed the lease my command and I learned that the base would not authorize both the XXXX pay and the off-base housing. I had no option but to withdraw from XXXX XXXX. 

My command supervisors had worked out an agreement with management so that I may leave the apartment. The verbal agreement was XXXX XXXX kept my security deposit and I pay the rest of the month 's worth of rent. The rent was somewhere around {$500.00}. One of my supervisors personally handled that affair. I did not sign any papers for the agreement. Nor did I receive and collection notices, phone calls, or mail from XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2016 I received a call from National Credit Systems with an attempt to collect {$3000.00}. I immediately opted to dispute the charges. Between XXXX and XXXX XXXX, 2016 I have been submitted letters, government documents, and statements from the supervisors involved with the debacle to help support my dispute. On XXXX XXXX, 2016, one of the managers from XXXX XXXX XXXX XXXX made it a point to call me, or rather harass me. 

The conversation summed up to be her claiming that my statements and the statements from my supervisors were " falsified, '' that they did not indeed accept or receive the ~ {$500.00} payment, and that my supervisors and I were " dishonorable. '' She also stated she felt threatened, that we were after her to get her fired. I did not say much in reply throughout the entire phone call, as I felt insulted. The next day I received a call from a representative of National Credit Systems Inc. 

The representative stated that XXXX XXXX XXXX XXXX would not accept the documents, that they did not receive the ~ {$500.00} payment, and the amount stands as {$3000.00}. The representative also went on to say XXXX XXXX XXXX XXXX would settle to {$2000.00}. I again opted to dispute the charge. As of XXXX, 2016 XXXX showed that my XXXX report had a " past due '' amount of {$3000.00}. 

I have since submitted another letter to National Credit Systems asking to dispute the charge, as well as dispute the charge on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon acquiring my mortgage loan, SLS loan Servicing contacted me two months later stating my escrow account was short over XXXX dollars, and they would need to raise my payment in order to make up the difference. A representative on the phone told me it was law that SLS needed to have the surplus in escrow, which it is not. As a result my payment was raised for a year. 
Just today, XXXX/XXXX/2016, I received a letter of collection from SLS loan servicing stating they have no proof of homeowner 's hazard insurance. My policy renews automatically, and they stated in the letter they are billing me for the insurance they had to purchase for approximately XXXX dollars. I have had no lapse in coverage, yet their tactics allow them to claim they can purchase insurance and collect from me due to their disorganization. This is simply unethical, and fraudulent, as they have my homeowner 's policy information on file to very. Additionally, they never contacted me until now that they did not have new coverage info. According to their correspondence, I can update my information via their website, which is consistently down and unavailable.

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