davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NAVY FEDERAL CREDIT UNION (ID)

Hi, my big problem comes from being under Navy Federal Credit Union when I was XXXX the XXXX as a XXXX. I only XXXX 2 years but was XXXX. Before I was XXXX under XXXX circumstances, I took out a XXXX Loan from Navy Federal cause I had some things I wanted to get started on New computers/ Travel Expenses/Car since family Lived in XXXX while I was stationed in XXXX . The main stipulation to the contract that I signed was that I paid extra for a coverage that my Loan would be covered IN FULL. If I were to ever be XXXX from the XXXX of my own will and not XXXX. After Wards I had my account frozen since I was low on funds and trying to find a living situation when I got out. I was constantly being reminded by Navy federal for my payment which I was never late on until I was XXXX. I mentioned to them that my contract states that it would be covered if I get XXXX through means above me. They constantly ignored me asked for me to pay my bills ect. until I went to a Navy Federal Branch in XXXX that I was told the exact thing that I could have my debt handled if I contacted their insurance provider. So I did just that, Sat through hour long phone calls though operators/ Automated voices, I finally get in contact to a insurance provider. They have me Fax them the contract including my XXXX which is military XXXX papers, I danced with them for Weeks close to a month. I kept getting retorts that my Fax did n't go through or I had to deal with another Operator which was n't the same dealing with the case at the time. So I threw my hands up and gave up thinking I got swindled and lied to into a massive loan that I could have paid for if I stayed in the service. The Reason Im also filing a complaint is cause I saw that Navy Federal is under fire for Debt Collecting.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WI)

I made a mobile deposit through Wells Fargo XXXX/XXXX/16 for {$1000.00}. On XXXX/XXXX/16 there was an hold placed on it stating they are getting a refer to maker error when attempting to pull the funds. I contacted XXXX XXXX retirement who issued the check and after looking into it they stated they see nothing wrong with the check and that my bank should have been able to pull the funds. After contacting Wells Fargo and informing them of this they are still stating that they are unable to access the funds. I requested that they release the check so it can be returned to XXXX XXXX so they can issue me a new check but Wells Fargo is stating that it was put into on a 5 day hold and nothing else can be done until XXXX/XXXX/16. My problem is that if the issuing party claims there is nothing with the check something must have went wrong when my bank processed it but they are refusing to do anything about it and no one can tell me what is going on which is very concerning to me.
Consumer complaint received 2015-11-16
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: WELLS FARGO & COMPANY (CO)

My issue started this morning when I received a call from Wells Fargo. They called to inform me that my {$15.00}, XXXX loan would not be honored even though I met with a Banker on Friday XXXX XXXX to confirm and sign for the loan based on the terms and reasons that I had been asking for the loan. 
I was informed that the money would be in my Account Tuesday morning. After leaving the Bank I went ahead and wrote a check to a furniture store for the items that we needed since we recently moved to XXXX. What I do n't understand is ; why all of a sudden the terms have changed and the agreement that was discussed last week can no longer be honored. We have no furniture at the moment and we were looking forward to the money that the bank had agreed to lend us. It recently came to my attention that the Bank did not intend to give us the {$15.00}, XXXX loan to facilitate with the furniture purchase and in turn pay off credit cards with the remaining balance of the loaned amount. The Wells Fargo underwriters are not changing their stance even though this was fully articulated the moment I set foot into their bank. 
We are now faced with a Major dilemma because the furniture store is expecting payment and we now had to inform them that we can not pay it due to the fact that the bank will not honor their side of the loan. Furthermore, we are faced with return costs to the furniture store and shipping costs that are close to {$300.00} due the Wells Fargo 's negligence and inability to honor a loan they provided. I am deeply upset and frustrated that this would be a painful experience. We want the bank to honor the agreement and provide us with the funds that will aid in getting furniture and clear off debt. It is now clear that their intent was not to aid in providing a loan for us to get furniture and pay off some outstanding debt. They want to loan us money and they also want to dictate how we use those funds. 
This is why we are writing to you today. Hopefully you can be off assistance because we need some help to get this resolved quickly.
Consumer complaint received 2015-04-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (IL)

I bought a REO property through an XXXX auction. The bank selling the property gave me a XXXX page contract stating what they would and would not pay for in the transaction. I consulted my lawyer and had a good understanding of the contract. The bank 's lawyer then told me and my Lawyer " do n't care what the contract says, our client is not paying any of these expenses. " I argued with the bank and they agree their lawyer was wrong about some items and offered to pay a fraction of the charges. I have not heard from them since.
Consumer complaint received 2016-08-05
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: NAVY FEDERAL CREDIT UNION (LA)

Myself and my family were actively discouraged from applying for a loan from Navy Federal Credit Union in the late Summer of XXXX, and when we insisted, instead of the {$20000.00} I showed them I needed to pay for my university education and documentation that my family was able to pay back the loan, NFCU only approved a loan for {$10000.00}. Due to a XXXX XXXX XXXX discrimination case against a company in Mississippi, I was explicitly told by the U.S. Department of Justice not to touch the positive balance in my checking account at Navy Federal Credit Union ( Account # XXXX ), only to have the charge put through again, and my account held in negative balance ( of - {$62.00} ). But due to the DOJ 's orders, I did not touch the account until otherwise told to. In late XXXX, just a few days ago, Navy Federal Credit Union wrote off the negative balance and holds me in " not good standing '', and has threatened to close my other checking and savings account at any time, including the private loan for education made with my family. I only had a chance to use half of that {$10000.00} loan due to my XXXX. ( I would include this letter, but they have told me it will be on my XXXX XXXX statement, not due out for another 10 days. ) I believe, because Navy Federal Credit Union knew I was desperate for a loan to cover my educational expenses and solely because they knew I had a XXXX, they only offered me half the amount I needed ( assuming university would be too difficult for me with my XXXX ). I know this for a fact because the banker in the XXXX branch offered the {$20000.00} I needed, then inquired about my specific XXXX, which I declined to answer, as is my federal right, but saw my XXXX. Then, suddenly, the computer said I was only eligible to take a loan for {$10000.00}. I was desperate so I had to take what I could get.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY (CA)

Despite having an agreement with Wells Fargo made two months ago to pay a credit line ( debt ) at Wells Fargo with $ 300 monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving harassing collection phone calls from XXXX every other day. 

I have paid {$300.00} on the agreement for two months now. This agreement was made with XXXX XXXX at Wells Fargo ( Loan Adjustment Supervisor ) but Wells Fargo ( XXXX from collections who reports to XXXX XXXX ) are harassing me now seeking payment in full despite our agreement. I have explained over and over again my financial situation ( offered documentation proving my inability to pay the debt off at once as I 'm a new XXXX in XXXX mother of XXXX kids under XXXX yo ). I just received another call from XXXX XXXX XXXX on XXXX XXXX ) at Wells Fargo and she transferred me to her Supervisor XXXX XXXX who told me that he was going to sue me for the balance of debt despite our agreement. He told me that he does n't care and wants it paid off. When I asked him why he was even calling me, he told me to, " Lose the attitude, XXXX! '' and then I reiterated our agreement, my financial situation, etc., he told me, " Then I will take my boss ' recommendation and sue you! '' and then he HUNG UP THE PHONE on me. This supervisor at Wells Fargo hung up the phone in the middle of me trying to respond to hearing I am going to be sued by Wells Fargo. I was left with XXXX fearing I will be sued by Wells Fargo. What will this mean for my family? My XXXX in XXXX? I began having XXXX. I am a high risk XXXX already and being harassed with phone calls ( first by XXXX who would call me and say that XXXX told her to follow up regarding our " agreement '' and I asked XXXX what she was referring to - since I 've been paying on said agreement for two months now - and she did n't know??? but was calling me anyways? ) This is an opportunity for legislation to be brought forth regarding behaviors such as Wells Fargo harassing a client who is currently paying their debt, who is not being evasive and ignoring their repeated phone calls, and is told to pay up or else?
Consumer complaint received 2016-09-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

After I wrote to the CFPB, I heard from Wells Fargo Representative a XXXX XXXX. I do not recall her last name at this point. She was not very pleasant and insisted that this is the first time Wells Fargo has ever done anything like this as far as ceasing the foreclosure on a home so late in the process. She also explain the foreclosure not has been called off and there is no foreclosure date at this point. 
I have submitted all paperwork for a short-sale to my realtor XXXX XXXX of XXXX XXXX. They have since submitted as of Friday XXXX XXXX, 2016 to Wells Fargo Home Mortgage. XXXX XXXX has a buyer for my home which that person qualifies and have submitted that paperwork as well. All the hard work or leg work has been done. My fear is that Wells Fargo will turn down the short-sale like they have done previously before, CFPB became involved at which I qualified for. 
They did not hear any request even when I told them I had a buyer. Wells Fargo Home Mortgage just ignored my request. They set a foreclosure date until CFPB became involved. Now the foreclosure date is removed. 
I am disable and a veteran. I have no income to relocate. I am still awaiting on the Appeals from both my VA and Social Security XXXX. This short-sale and the relocation monies, it will greatly improving my chances of not being homeless, restore my credit, and XXXX day buy another home. If not given this opportunity my credit will be in shambles and very hard for me to start over. 
As I have stated above, it was unlikely for Wells Fargo to hear anything I said and they did not want to help me but pretended they would help. I am a first time homeowner, and I know nothing about buying a house or the litigations of what banks can do to homeowners or the power they have of not helping the homeowners, but pretend they are helping by sending letters saying they are here to help ; but when you call them they become very evasive and speak in terms that no ordinary person would understand, only a person who has a XXXX XXXX could comprehend. I feel helpless and fearful that I will be homeless very soon. Please Help.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (WA)

For almost a year now, Wells Fargo has been reordering my bank charges in order to maximize overdraft fees. In other words, they change the dates on my charges so that they can either charge me overdraft fees, or if I already have an overdraft charge, they will change the dates on my purchases in order to charge me multiple overdraft fees. They will also purposely withhold transactions so that my balance looks higher than it really is. Then, when my balance gets low enough they will process all of the transactions that they withheld causing me multiple overdraft fees. Here 's an example : On XXXX/XXXX/16 I checked my checking balance and it was roughly {$140.00}, so I went and bought a few grocery items that I needed. Now, fast forward to XXXX/XXXX/16. I woke up and saw that my account was overdrawn and there was a new charge on there from XXXX that was n't on there before. It was my cell phone bill that I have on reoccuring auto pay ... .which I admitedly forgot about. However, this charge did not reflext on my balance on my balance until XXXX. There were also XXXX new overdraft charges for the charges I made on XXXX. I called my cell phone privider and talked to a few different people ( including 2 CS Suoervisors ) to see why the charge took 5 days to process and they told me it was my bank who withheld it for 5 days. So basically, Wells Fargo withheld this charge for 5 days and then processed it on XXXX and tyen changed the process date on the charge to XXXX and then retro charged me {$140.00} in overdraft fees. This has happened numerous times over the last 7-8 months and has cost me XXXX ( if not XXXX ) of dollars. It is fraud and I am tired of them taking advantage of me.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Bliksum, LLC (CA)

XXXX ( also known as cashcall ) uses false proof of service. My old landlord informed me I had a legal document laying on the door step ( not in an envelope ). If he never told me of the document I would of had a judgement against me In California if the document is left on a doorstep it is supposed to be mailed as well. ( on occasion my landlord contacts me if I get any junk mail that shows up there- never got mailed letter from XXXX ). 

I went to court and asked about the proof of service. I was told it was left with " my daughter ''. The description of " my daughter '' is no where close. Plus She has not lived at that residence for over 10 months. This is a lie, false documention plus my old landlord said this was laying on the ground. 

Is n't this illegal tatic? I wonder how many other people have a judgement against them. 

If they wanted my correct address they could had gotten it off my credit report. I 'm sure they have skip tracers.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

Well Fargo 's system displayed incorrect account information causing overdraft fees, that I am not responsible for, due Well Fargo system error. On XXXX/XXXX/2015 my bank account was charged a total of XXXX overdraft fees from Wells Fargo. This is not possible due to the fact that i had money in my account prior to any purchases made. I called customer service and they told me that it was a system error, but unfortunately they can not reverse the charges. This is unacceptable, I should not be forced to pay overdraft fees when I did not overdraft
Consumer complaint received 2015-08-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (IL)

On XXXX XXXX at XXXX XXXX. I received a phone call from XXXX, which is one of the phone numbers that Well Fargo National Bank uses to call me about a debt. I answered the phone and said " Hello ''. The girl on the other end said " Hello? '' I said Hello, thinking maybe she could not hear me. Then she said, " Hello?, Hello?, Hello? '' and hung up the phone. 

The collectors from Wells Fargo call me every day, until I answer the phone, for that week. Then the next week, the cycle starts, again. 

I am working with a Credit Counseling Service to resolve my debt issues. Wells Fargo National Bank refuses the offers made to them by the Credit Counseling Service. Yet, they still accept the money that the Service sends to them, and they still call me every week to ask the same old questions - Can we do a check by mail to bring the account current? How did you get in this situation? 

When I respond that they are getting money thru the Credit Counselors, they respond that they have refused the offer. I remind them that they are accepting the money and tell them that that is the best that I can do. 

Wells Fargo sends me Settlement Letters stating that they are willing to settle for 60 % of the balance. But, at the end of the letter, they state that they will turn the information over to the IRS and that I may be liable for additional taxes. 

I am tired of the endless phone calls, the letters, their refusal to work with the Counseling Service.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

My wife and I ordered a dining room table and eight all wood chairs from XXXX XXXX in XXXX Texas, the Merchant on XX/XX/XXXX for {$2600.00}. At the time the order was placed, XXXX of the balance due was paid with with our Citi credit card. Approximately XXXX week later, XXXX requested the remainder of the balance with the promise to deliver the table and chairs prior to XXXX. We paid the balance of the order on XX/XX/XXXX. XXXX XXXX did not deliver the products on time. XXXX said that the table and chairs would be available the first week of XXXX. On XX/XX/XXXX we drove to XXXX XXXX in XXXX to pickup our table and chairs. When we arrived, only the table was ready and Merchant said the chairs would be ready and would be delivered to our home within a week. After numerous text messages, Merchant delivered incorrect chairs on XX/XX/XXXX with the promise to return in a couple of weeks with the correct all wood chairs. After multiple promises to deliver the correct chairs, the correct chairs were not and to this day have not been delivered. Merchant has refused to pickup the incorrect chairs. 

Since we did receive the correct table, on XX/XX/XXXX we disputed the cost of the chairs, {$480.00}. On XX/XX/XXXX we received a response from Citi Bank denying our dispute based on information provide by Merchant and his bank, XXXX. The information from XXXX included with the letter in no way addressed the matter at dispute, that the incorrect product was delivered. In Citi 's XX/XX/XXXX letter, they requested confirmation that we have not received the correct product. On XX/XX/XXXX, I provided this information to Citi and included a text message exchange with XXXX of XXXX XXXX indicating that he agreed that he had not delivered the correct chairs and that he did not intend on taking return of the incorrect chairs. 

On XX/XX/XXXX, Citi requested documentation of the product ordered and the incorrect product and again requested proof of return. On XX/XX/XXXX, I provided a copy of the sales receipt showing all wood chairs were ordered, a picture of the chairs ordered and a picture of the chairs delivered. I further referred Citi to the text where merchant had refused to take the return. 

On XX/XX/XXXX, Citi again denied my dispute because they had not received proof of return. On XX/XX/XXXX, I called Citi to explain that Merchant has refused to take the returns and followed up with an email the following day. 

On XX/XX/XXXX, Citi again denied my dispute. 

In summary, we did not receive the chairs that we ordered, and we contacted XXXX XXXX numerous times to correct the issue. When the cost of the chairs were disputed, Citi Bank denied our return based on the fact that we have not returned the incorrect chairs even though Merchant has, in writing, refused to take the incorrect product.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

In addition to contacting me, they are looking up phone numbers of relatives and people with the same last name as me. People whose numbers I would never give out.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: National Credit Systems,Inc. (MI)

National Credit Systems Inc sent me a letter XXXX XXXX, 2016 offering to reduce my debt if I sent the money in by XXXX/XXXX/16. But they did not send it out until around XXXX XXXX after speaking to the male supervisor it was clear that the intention was never to allow me to pay the reduced amount of XXXX. There was no date on the envelope sent by the credit company so they could and did say that the letter was sent before the closing date on the letter, and blame the postal service for the delay. The supervisor is very disagreeable and rude and seem to be counter productive to getting the companies payments from the customers. This supervisor places on my file what he choose to, after I asked him to put on my file that I am willing to accept their offer of paying XXXX but I could not afford to pay the full amount of XXXX. This debt was bought from the XXXX XXXX XXXX in XXXX Michigan. I feel that the National Credit system is deliberately misrepresentive of their offers to reduce your debt because they do n't give you time to respond to these requests and blame the postal service for being too blame for the delay when it is clear that if they had sent the letters out in a timely manner I would got it in time to respond to the offer they sent me.
Consumer complaint received 2017-03-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates (MI)

I have medical bills I have disputed for detail statements to verify debt.I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa. Its been well over 30 days. I would like them to be removed from my credit report. I also had some letters return to me. I would like to know there Registered/Licensed number to collect peoples debtss