BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-26
Company: Lennar Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I submitted Earnest monies to North American Title. I filed contract for " Return of Earnest Monies '', from the Seller of XXXX XXXX XXXX XXXX XXXX Texas XXXX. Seller and Realtor had no issues with signing contracts and returning calls to my realtor. Now I have decided against buying the home because lies were placed on the sellers and seller does not want to work with me regarding the roof damage. Now it has been close to a month and the North American Title has not returned Earnest Monies. TitleCompany states can not get in contact with seller. I can bet you that house is still on the market and seller/ Realtor has no problems contacting new prospective buyers. North American Title is intentionally delaying process of returning my monies. Two weeks ago I was told I would get a return call from North American Title regarding my earnest. Did not hear from North American Title. The Sellers agent is lying or the Title Company is lying. Lets see what the Title Company tell you the CFPB in writing under a Federal investigation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking account at Wells Fargo for many years. I am going to close my account after finding out XXXX things. One, trying like heck to kill off your regulation. Two, the incredible fraud in creating XXXX XXXX fake accounts and firing XXXX low level employees. 
This is unconscionable and I urge you to punish them much more than the {$100.00} XXXX fine. Take away their license to do business!

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 2015-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Force-able collections and predatory lending. Wells Fargo completed set-off on XXXX of my accounts well before any last resort action or fair practices were taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir or MadamI am in constant amazement of your companies business practices. Attached please find a loan of a property I purchased in XX/XX/XXXX. The property address is XXXX XXXX XXXX XXXX NC XXXX. It is a XXXX bedroom condo that I purchased for {$110000.00} as an investment property through Wachovia. I have called Wells Fargo many times to this day to have this property loan NOT listed as my primary residence XXXX XXXX XXXX XXXX Florida XXXX. Many times when I call Wells Fargo they tell me there are too many numbers in my loan XXXX maturity date XX/XX/XXXX and it is not a Wells Fargo loan. They also list the loan as a Mortgage Equity Loan Statement! I then explain it is an old Wachovia loan and then they go oh! But do n't you think after XXXX you would have consolidated the loans and had proper Wells Fargo loan numbers attached to the old Wachovia loan numbers. XXXX things I need I was dealing with XXXX XXXX XXXX in your loan dept and I asked him for XXXX, XXXX and XXXX rates on my existing payoff of {$74000.00} and that they need to remove my Primary Residence off this loan and then that is when the fun starts. I then email him all of my information and he will not answer emails or phone calls. No one form Wells Fargo will call me back, answer emails or return any messages. Could someone please get back to me it should be an automatic refi, I have never missed a payment and I want to get my primary address cleared up and the North Carolina address for the property cleared up. I do not know whom to talk to as I have sat on hold for hours at a time and have been bounced around from department to department with no resolution. It should be an auto refi and go forward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card
Issue: Overlimit fee

Complaint:
In XXXX 2016, I contacted my mortgage company, Wells Fargo Home Mortgage, and instructed them to start automatic payments for my next payment. I was told that it takes a full billing cycle for it to take affect. Given that the request was after my XXXX payment, my next full billing cycle was XXXX meaning that XXXX was when the automatic payment would take place. In XXXX, I paid my mortgage payment manually as I was instructed to do. Wells Fargo then proceeded to take an automatic payment out of my Wells Fargo checking account despite being told that this would n't happen until XXXX. This overdrew the checking account which caused a cash advance/overdraft protection transfer to occur from my Wells Fargo Credit Card. The process to reverse the payment was very time consuming and frustrating and I was told that the credit card department had to reverse all of the interest and fees associated with the overdraft transfers. I contacted someone at credit card and explained the situation and was told that there was nothing they could do since it was n't a bank error ( despite the fact that the ACH claim against the auto payment said otherwise ). I escalated to a supervisor who said they would reverse the charges. She reversed XXXX of the XXXX charges and did not adjust the interest. I contacted the bank again and was told that, again, it was " not eligible for reimbursement. '' I escalated to management again who said the same thing. I finally escalated past that point of contact to another manager who finally agreed to reimburse the overdraft fees. This entire process took over a month to resolve and I was told time and time again that, despite having notes on my bank account AND an approved ACH reversal, that it was entirely my fault.

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 2017-02-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In receipt of the latest correspondence and again duplication of the same information WFHM continues to send in response to my submissions to the CFPB. XXXX XXXX sent the latest outline of her findings, in which she states that we 've carefully research these matters and are providing you with an update on our research. It 's as follows : 1 ) Communication within WF 2 ) Requests for compensation for late fees 3 ) WF commitment to customers 4 ) Payment history 5 ) Chapter XXXX bankruptcy reaffirmation 6 ) Credit Reporting 7 ) Status of account 8 ) Written communication only 9 ) Savings account concerns She ( XXXX XXXX XXXX, further states, we previously responded to ( most ) of the above concerns in the past, we are providing this response in summary of all information requested in lieu of a letter indicating all of the prior enclosures, per your request. 
These are generated and recycled responses and made with no documentation attached, which I have received since holding the loan. My goal is for WFHM to produce to the CFPB written documentation ( clear and concise ), detailing my correct payment history that corresponds with my attached bank statements and written documentation sent to XXXX XXXX and the NC courts detailing reaffirmation. This details my request to CFPB ; 1 ) Written documentation of my correct payment history 2 ) Written documentation of reaffirmation sent to XXXX Law Office/NC Courts 3 ) Written documentation of reporting my mortgage to all credit bureaus 4 ) Written documentation of money taken from the savings account prior to closing 5 ) Written documentation of WFHM grace period policy 6 ) Written documentation of how my cash payments were applied when I personally walked into the WF branches and made payments ( time stamps, dates, persons whom processed the payments, etc. ) 7 ) Written documentation and assurance that no accounts were opened in my name 8 ) Written documentation of any interest gained on the money WFHM accrued while holding funds and not applying them directly to my mortgage It is my hope that I have clearly and concisely outlined any and all concerns of requests the CFPB and myself would like answered.

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 2017-02-14
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
School : University of XXXX ( XXXX XXXX XXXX, XXXX ) HI CFPB, I just wanted to let you know about my experience with Navient. I have around {$60000.00} worth of debt and pay around {$1000.00} a month to them. I tried to get them to extend my payment schedule or put me on an income based repayment plan, but they refused. Now, I ca n't move out of my parent 's house, ca n't afford grad school, and I am barely breaking even each month. I tried to consolidate my loans through another bank, because I was unable to pay Navient for three months last year. 

Thank you for all that you do. Please help fix this crisis. 

Cheers, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I completed heloc modification with bank of america on XX/XX/2015.I noticed the following months that the loan did not reflect my new terms or payments.Bank of America miscalculated my interest and has overcharged me.Bank of america has yet to complete their process. Due to BOA actions and lack thereof it presently appears that I am delinquent for 9 going on 10 cycles and my credit scores has been drastically affected.I have been trying to resolve this since XX/XX/2015.

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 2015-12-28
Company: TENET HEALTHCARE CORPORATION
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The cfpb issued a XXXX fold administrative proceeding ( File No. XXXX ) against Central Financial Control. 
One mandate of the proceeding was a penalty of up to {$120.00} ( aprox ) per incident to each affected customer. 
Another mandate was to issue a full refund to customers who had paid the implicated debts ( accounts ) in full. ( The third aspect of the proceeding is to forgive in full the debt of afflicted customers who failed to pay their debt. ) I was issued XXXX penalty checks of {$120.00} each, complying with XXXX mandate of the proceeding. In addition and as per the proceeding, a refund is due to me in the amount of {$2700.00}. for account number XXXX, for a debt that was paid in full to Central Financial Control and is XXXX of the accounts I held covered by the cfpb mandate. A check for {$120.00} to comply with the penalty mandated was issued for this account, but absolutely no refund has been issued. Central Financial Control is still in violation of the 'refund ' mandate in the proceeding. 
Please refer to the cfpb directive XXXX XXXX. XXXX, link : XXXX XXXX I anticipate a timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated from XXXX XXXX XXXX in 2010 and was very overwhelmed with the cost of my tuition I have to pay back. I tried asking for more explanation about the details of the loan and program I was going in for but never gotten the help from anyone. 
At first, I just wanted to visit XXXX XXXX since it is closer to my home and schedule can be very flexible, that day I felt like I was pressured to stay and enroll right away, they asked me to fill out loan applications and different paper form. 

Now that I am planning on continuing with my education I was told that all my credits from XXXX XXXX XXXX can not be transferred so now I am stuck, I know for sure I will never go back there because of the money they charge me. None of these information was given to me when I first applied. 

**We were un aware that they will have a loan under my name and under my step dad 's name until all this migration from XXXX to Navient happened not too long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification by XXXX my credit tracker that showed a company by the name XXXX placed a collection account on my credit report on XXXX/XXXX/2015 for the amount of {$1100.00} and the creditor XXXX. I have never received anything from XXXX owing any money and I never received anything from this collection company virtuoso stating I owed any money and allowing me to dispute the account as it is my legal right. 

As you can see from the attachment I provided XXXX. My account is still active with them and currently owe the money to the company not this collection agency. This account is not in a collection status XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
navient continues to refuse to transfer my loans to public service work program with my other loans through the department of education. I keep receiving letters saying not paid and I 'm late with additional interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: KEYCORP
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I had called Key Bank several times to help take care of my loan. I can not afford payments right now of almost {$80.00} a month. I explained to them my current situation several times, that I am working but can not afford to make payments for several months until I get back on my feet. I just graduated and got a job, my husband just went back to school and we have a baby. I explained I would have an opportunity to start tutoring and could afford payments around XX/XX/XXXX or I could pay a smaller amount and they refused to do anything or provide any help in any way. The said I could never refinance my loan or consolidate it, I ca n't get lower payments or a forbearance, or any kind of payment plan. I was told there is nothing they can do for someone who is trying to take care of their bill. They gave me no explanation why except that some other internal department at Key Bank said " no ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Big Picture Loans, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company misrepresented the total amount to be paid on my loan. I was never told I would pay back {$6200.00} dollars on a {$800.00} dollar loan. They expect me to pay {$400.00} dollars a month until the whole {$6200.00} dollars is paid. I found out later after contacting them on XXXX/XXXX/2016. This was 2 months after the initial loan was taken out from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX of my Citizens Bank checks ; mortgage, energy loan & electric co payments were stolen out of the mail. Though none were made payable to XXXX XXXX XXXX, XXXX of the checks were cashed by XXXX. A thief got my money. 7 weeks later Citizens still ca n't figure out how to help me. Not one person. I 've sent front/back images of the checks. I 've filed XXXX police reports. I 've talked with more than 20 people at Citizens including Supervisors and Managers. Not one knows how to navigate their own system in order to help me. The front office has absolutely no idea how the back office works. And, to make matters worse, they do n't communicate with each other. There 's no training. If there is training there 's no retention of the information. The loan company told me they were going to put me in default. However, they provided real support and information about what should happen. They said Citizens should provide me with a Provisional Credit so I could pay the companies who did n't get my money. Citizens never told me anything about their obligation to provide me with a Provisional Credit. Citizens initial consul was that I should pay the companies again from a different account. I told a Supervisor at Citizens Online Banking I was going to contact the Attorney General to report this abuse. He ended the conversation and escalated my complaint to the Office of the Chairman. Maybe they can make something happen? I 'm suppose to hear from them in 24-48 hours. It 's been over 24 hours and I have n't heard from them. Plus, I received a threatening letter from XXXX, XXXX with a case #, XXXX # and threatening language : " this is an attempt to collect a debt ..., '' signed by XXXX XXXX A Citizens Branch Mgr said it was a fraudulent letter. Turns out it 's Citizens Bill Pay service. Bottomline no real help from Citizens in solving their longtime customer 's banking problem caused by a lax banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: ERC
State: LA
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:
In XXXX I was a XXXX customer. I decided in XXXX to go with XXXX and ended the services with XXXX. I called XXXX and requested boxes to send their converter boxes to them. The boxes were delivered to me and I packed the converter boxes to be shipped back to XXXX. The representative that I spoke with in late XXXX stated that the boxes would be picked up after I packed them by XXXX. After speaking with her I realized that I had another question for the representative and called back. The next representative stated to me that the boxes were outdated and I could throw them away. I stated to her that I would not throw them away but send them back to XXXX. The representative stated that even if I sent the boxes back to XXXX, I would not be given credit because the boxes were outdated and I needed to just pay for them. I stated to the representative that I would send the boxes back and they could do whatever they needed to do with the boxes. 

It showed upon my credit report that I owed XXXX {$680.00}, I disputed this back in XXXX and it was removed from my credit report in XXXX. Now it is back on my credit report but with a different collection agency. I do not owe this debt, XXXX is trying to make me pay for their outdated boxes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 've paid XXXX so far on a pay day loan, I requested XXXX XXXX/XXXX/16. I never received how much my interest rates would be and when I notice today that I was still making payments I did my research. My interest rate is 867.4001 % and to date I 've paid XXXX. I would have NEVER agreed to a loan with that outrages amount as interest rate. When I called I stated that i will be contacting a lawyer because that is illegal they stated I did not have to make anymore payments. What can i do to get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Excessive overdraft fees. I am only responsible for XXXX {$35.00} fees for purchase {$150.00} XXXX and atm withdrawl for {$43.00}. I was charged fees for XXXX other old purchases from XX/XX/XXXXXX/XX/XXXX The bank charge me overdraft after I overdrew paying XXXX and atm transactions on XX/XX/XXXX. Those XXXX XXXX, XXXX and XXXX were when my account was positive. When contacted I spoke with XXXX reps and a supervisor and none was able to resolve the issue and decided it was fair to charge XXXX for transactions that were not over my balance. XXXX input a {$35.00} rebate as a courtesy and her manager indicated I was responsible for all fees. When transfer to manager the manager disconnected call. When I call back the rep and supervisor could n't help me resolve and state I was ineligible for any rebates because I had one already. which was the XXXX XXXX input 10 minutes prior.

Company response to consumer: Closed with monetary relief