BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Well I got on the forbearance program about a year ago with the hopes of getting a reduced mortgage payment when done it's says pay what you can when you can I started.paying my mortgage back in XXXX but I was like XXXX short on escrow so they applied my money to that so now it looks like I haven't paid mortgage in a year also my payment when I bought the house was XXXX and went all the up to XXXX XXXX so I'm single XXXX kid and alot of bills I wanted it lower payment because XXXX dint loose my job that was the reason but now there offing me a lower interest, and a payment of XXXX for 3 month trial then after that my payment goes back up to XXXX and the want to modify my loan to a 40 year loan I only owe XXXX XXXX on my house I put down XXXX so not only does my house look like it's gon na be avaible on line but showes how much profit a person could make I thought I was going to be able to push.the missed payment to the back of the loan but my credit isn't as good as it was.and all these factors came about but dint say at the end it's gon na cost you big time my loan was only 30 years in the first place I've been here for 8 and they want me to modify for 40 years with a hiring payment then when I bought the house this is at wells Fargo Bank I originally bought my house threw XXXX bank my bank but Wells Fargo bought my loan from them and im not happy with them at all I belive there crooks I just don't see myself doing what there offering so I haven't awnserd them because I'm not happy wich is not good but I don't no how to go about the payments I've missed and I feel like this is my only option and they no that and are using it to there advantage another thing is every year for past few years my escrow is always short wich then causes my payment to go up so even if I took the deal next year or this year I belive I'm still short so then my payment will go up agian next year and then I really can't afford it not by myself I just wanted to reduce my payment but they handed me down person to person and wouldn't tell me how much Equity I had in my house because it s probly enough to pay it off not to mention the updates I have put into the house central air sliding patio doors all wood inside new floors tile ect... you name a privacy fence all the way around put a spot for 3 cars out back did all the land scapping and I got the stuff to.put on a new roof I really don't want to modify my loan for 40 years my house won't be paid off tell XXXX was supposed to be XXXX I mean 20 more years plus taken 8 from me for a lil XXXX dollars I owe last it was XXXX or so crap I willing to do al.ost anything but that please help me if you can either expose Wells Fargo for there unethical mortgage crap or help me with paying them back so.i can remain I my house/ XXXX U

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 2020-05-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Company : Heartland ESCI Complaint : My Federal XXXX  loan was transferred from my university ( XXXX XXXX XXXX at XXXX  ) was transferred to a third part without informing me. I had it setup for recurring payments, and was receiving all of my tax documents via e-mail just fine. When it was transferred to Heartland ESCI, they informed me my account was due by calling my parents disconnected land line, so of course, I had no idea what happened, and my account when into debt collection. I did get a very supportive customer service assistant once I figured out the company was Heartland ESCI who helped me get a forbearance on the account in order for them to take it off my credit report. She literally gave me full, detailed instructions because she said there are a lot of small things people mess up on and then they end up paying and not getting it off their credit. Essentially, I mailed in a form, had to wait to hear back that they accepted the forbearance, and then I could start paying. They never informed me of the acceptance in a timely manner - they actually sent me a form saying my forbearance is up and my account was past due which was super confusing. So I paid the past due and the current due and setup automatic payments. 

I started getting letters in the mail every week saying I was past due. I assumed this was from before, but then I kept getting them. I signed into my account and every time on the home page it said I only owed the amount my automatic payment would be paying for on the date it was owed ... today I was basically told I was going into collections again, so after waiting to chat with an associate for 75 minutes (!! ) I was told I had to go through several breadcrumbs in their UI to see the past due amount. If you go to make a payment, it doesn't even come up as an option, so I'd have to copy and paste that amount from an old statement. It's absolutely ridiculous. Honestly, with everything that's happened with this company I just paid off my loan amount in full today. I can afford it - what I can't afford is to be penalized by this company again. I literally don't have the countless hours needed to sit on hold, make assumptions from poor UI/Website design, etc.. Honestly, this shouldn't be this hard to navigate. My university 's loan website looked like it was made in 1992, but it was pretty darn clear. So I'm not sure if this is just plan bad design, or if it's predatory. I genuinely can't tell and it makes me uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
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:
I 'm the co-signer of my oldest daughter 's loans. We have approximately XXXX loans with Sallie Mae before it transferred to XXXX. When my daughter graduated in 2011, we were told her total loan payment would be over {$2500.00} which was outrageous. I spoke to them and said there 's not way we would be able to make that kind of payment. They then told us that we could defer the interest, I did n't understand this but the payment was lowered than the original amount so we went that route. It was still high and I had to work XXXX jobs to help my daughter with these payments. Unfortunately XXXX yrs later, our loan amounts sky rocketed. I could n't believe the interest at one point was almost 12 %. I ca n't find the statement that said that but when we applied for these loans, they told us it would be approximately 2 % over prime rate. But the Customer Service rep told me that it should n't be more than 8 % at a high. I was n't too familiar with these types of loans. My main focus was my daughter 's college education and getting her through college without any issues. My daughter has since taken XXXX of the loans to pay them off and get a lower interest rate. I was told that if I did the other XXXX remaining loans that my interest rate could go higher than what it currently is so I chose to leave them be. I did set up automatic payment and they ( Sallie Mae ) would take a .25 % off of my loans so I have them coming out automatically to just save money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Holloway Credit Solutions
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Holloway Credit Solutions LLC sent a letter to my daughter for debt collection on an account that I own. They threatened that this debt would go on her credit history if she did not act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted professional collection service as well as the credit bureaus about the validity of this debt. I received a one page lease agreement that clearly shows at the bottom right 8 pages should be attached. I show only 2 payments were ever made so I dont even see a complete billing statement, proof of deposits or anything else. I asked for this information repeatedly as well as if this debt was verified by someone that has the credentials to do so and have not received a response. This is a violation to report inaccurate, unsupported, and unproven information and I would like it removed. I will attached copies of what I was sent and it was not a full lease or a full payment ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. 

I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to Navient. They failed to migrate my Perkins loan to Navient, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. 

Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ 175 monthly to Navient in addition to {$230.00} a month to separately pay for my Perkins loan. 

All of this is not including monthly payments I have to make for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Vision Financial Corp.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A third party, vision financial, called my place of business using the name XXXX XXXX about a Credit card debt that I do not owe due to my identity being stolen three years ago. I told her that this was a government installation and that they should not contact me here again. I foolishly gave her my cell phone number thinking that would not call work again. Not so. The debt has changed hands multiple times with each new collector making multiple harassing calls. I would like this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a judge, ent on my from a law company that for one never gave me an infoormaton on the debt but filed a lawsuit against me without any papers being sent to me. Only after the judgement was filed they sent me the information. On top of that they forced me or tricked me into signing or sending in paperwork for the judgement stating that I have ran out of time their collection of this debt has been shad since day one. I have been payng on the debt for months now and I get a letter today stating legal action will be filed against me if I do not contact them within 15 days. I have sent them throughout the past few months 4 emails that the continue to ignore. I have been paying atleast {$10.00} on the account every month if not more depends on what I can afford. I am tired of being bullied by them and harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: RentDebt Automated Collections, LLC
State: TX
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:
judgement should have been removed in XX/XX/XXXX for XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( Original Complaint Sent to NewRez - Shellpoint on XX/XX/XXXX ) from : XXXX XXXX XXXX to : XXXX date : XXXX XXXX, XXXX, XXXX XXXX   subject : Removal Erroneously Applied Late Fees by XXXX XXXX   Which Transferred to NewRez Account XXXX XXXX mailed-by : XXXX To Whom It May Concern, I recently PAID-Off my New Rez Mortgage in XX/XX/XXXX, which feels Wonderful ... HUUURRAY! However, on my former XXXX XXXX which transferred to New Rez in XX/XX/XXXX, XXXX erroneously applied ( 2 ) Late Fees to my account. The following details are provided : 1st Late Disputed Charge : On XX/XX/XXXX, I registered a new Online XXXX XXXX  Account, then made my 1st Monthly Payment in the amount of {$2500.00} using the XXXX Online Payment System. I received a letter from XXXX on XX/XX/XXXX that the payment was returned unpaid. When I checked with my XXXX XXXX   XXXX XXXX, I was informed when XXXX submitted the payment the account number was missing the last ( 9 ) of my XXXX Account # Ending in XXXX. Upon learning of the error on XXXX 's part, I immediate issued a subsequent payment. My XXXX XXXX Account was charged a {$98.00} Late Fee ; in spite of my typing the correct information in the XXXX Online Payment System. Hence, I am requesting that XXXX waive this Late Fee, immediately. - I thought that XXXX had removed this Late Fee Charge. 


2nd Late Disputed Charge : On XX/XX/XXXX, I made an on-line payment directly on the XXXX XXXX  Website in the amount of {$2500.00}. However, XXXX did not draw the funds from my checking account until XX/XX/XXXX. I was erroneously charge me another Late Fee in the amount of {$98.00}. Refer to the following snapshot of my checking account. 


XX/XX/XXXX XXXX-FINANCIAL TYPE : MORTGAGE ID : XXXX CO : XXXX-FINANCIAL {$2500.00} {$0.00} {$2500.00} Hence, I am requesting that NewRez remove these Late Fees from my account immediately and release my Property Deed for XXXX XXXX XXXX, XXXX, MD XXXX, ASAP. If there are any questions, I can be reached on XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Dynamic Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dynamic Recovery says I owe XXXX XXXX XXXX Hospital {$760.00} dollar for a medical bill. I called XXXX the Collections agaent at XXXX XXXX XXXX Hospital and I do not owe them any money, and she stated they have never used Dynamic Recovery to collect a past owed debt. Further research online on the XXXX website flags them as a fraud company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a bank account in a state I no longer live in. I kept the account in case I needed to transfer to my mother 's account which I am a signer on. Since I am out of state I barely use that account. I use XXXX often and accidentally charged the wrong bank account. The account had about XXXX dollars and the transaction was for approximately {$40.00} which overdrew the account. My mom contacts me to say her bank account which I am a signer on had been closed because of the balance on my account which I am sole owner on had been overdrawn for 30 days. She said my account was affecting hers somehow so I called the customer service. Customer service told me to contact the branch directly since there was nothing they could do. I called the branch and by chance immediately got the assistant manager. He said there was nothing I could do and that I should have kept up with the account. I explained I rarely use it and live out of state that the charge was a mistake. He said he could not waive the overdraft fees that now total {$140.00}. He was rude and kept sighing repeatedly when I told him I wanted the fees waived and wanted to pay the overdrawn portion. He kept telling me I had to come in person to take care of the account I should have been more responsible with. I explained yet again I do not live in that state and am sole owner of the account so no one can make a deposit on my behalf. He took down my information XXXX and said he would call back on Monday because he has to contact the back office which was told I can not contact directly. They never even warned my mother that they were closing her account and charged me ridiculous fees on one small mistake with XXXX charging the wrong account. I just want to pay the overdrawn amount and not the fees that they kept racking up on me. They automatically withdrew from my mother 's account and overdrew hers to pay my account then closed hers so now her direct deposit on Monday will not be deposited and will be rejected. I just want to pay what XXXX charged on my account and not have these overdraft fees. THey never contacted my mother to warn her about her account being closed as well. I am a XXXX XXXX XXXX and the fact that this bank is taking advantage of a single mistake is immoral.

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 2020-05-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2020 I made a payment to XXXX XXXX  service using my wife 's Chase Credit Card for the amount of {$87.00} wich was charged twice by the credit card company, I was informed that they paid twice the amount of {$87.00} for this reason I requested the credit card company to get back from XXXX XXXX one of the {$87.00} wich was credited to the credit card account on Saturday XX/XX/2020 and at the same time XXXX XXXX suspended my service for charge back. Informing me that they only received one payment of {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
accounts on my accounts on my credit reports thats not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughter - XXXX XXXX XXXX - took out XXXX {$30000.00} loans. I co-signed a XXXX for XXXX of those loans. The college is XXXX XXXX XXXX XXXX and XXXX. The loan servicer is Navient, the former XXXX XXXX. Navient calls at all hours, and on weekends, as phone logs would support. I have responded a number of times. My daughter has attempted payment arrangements, and on the first payment they raided her checking account the night before payday and said she defaulted because the money was not in the account. The money was not in the account because they tapped the account early. My daughter wants to make a payment arrangement that her income can support, and that will cease the abusive tactics from Navient. When she was on the phone with a Navient collection agent, he yelled at her, threatened litigation, and would not accept a date for a payment arrangement. This agency, which conducts abusive, harassing tactics as a business model, calls my daughter at her workplace when she has asked them not to do so. I am the co-signer for XXXX loan, but the terms, fees, rates were never discussed with me by anyone at XXXX XXXX XXXX XXXX and XXXX, nor were they explained to my daughter, who was XXXX years old when she enrolled in 2004. 

My email is XXXXXXXXXXXX and my phone is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a Huntington bank account on XX/XX/XXXX and received a fraud hold when I tried to login to online banking. Huntington has refused to close or downgrade the account over the phone and I can't do it online. Due to COVID-19 I am physically unable to come into a branch location. I've called several times and spoken to multiple representatives and managers - they keep giving me misinformation and telling me they will call back. Please close the account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX   THAT WAS OPEN UP ON XXXX XXXX IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT 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 2017-01-08
Company: American Student Assistance
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to American Student Assistance letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and American Student Assistance refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. American Student Assistance provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation