BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My property at XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX was sold while I was in a modification Program. I did not recieve report back on the modification before the sale the paper work was turn in on ( XXXX/XXXX/16 ) and the sale was on ( XXXX/XXXX/16 ). They said that in needed to be in senven days before the sale day. Please help me keep my home. XXXX XXXX XXXX my phone number is ( XXXX ) and cell phone is ( XXXX ) Thank : You XXXX XXXX XXXX

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 2017-03-11
Company: Monarch Recovery Holdings, Inc.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I submitted a complaint multiple times about XXXX for reporting inaccurate information. Now my information is in the hands of this collection agency by the name of Monarch Recovery Management Inc. I have never received any phone calls, letters or any sort of documentation regarding this company having my information on file. I feel violated and threatened that this company has my private and may be using account numbers, address, phone numbers in a derogatory way. I want this information terminated and most of all having this account deleted from my credit report. I repeat that it 's to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am XXXX yrs old. Live on fix icome. I could not cover my mortgage payment so bank of America charged me a total of XXXX dollars XXXX nsf charges and XXXX XXXX fee for having my account negative. for 3 days. I spoke to them thet said they could only reimburse me XXXX. I told them I had contacted the bank but they could not do anything because it was automaticlly going to take XXXX tries to withdraw the money. Yet Bank of America still kept charging me nsf fees. Which I think is an abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04
Company: Navient Solutions, LLC.
State: NY
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 have a federal student loan from XX/XX/XXXX, and no matter how much I pay, I ca n't seem to get this loan paid off. In XX/XX/XXXX it was for {$31000.00}. I graduated from the program ( it was a graduate program ) XXXX years later, and began to pay the loan. In XX/XX/XXXX, I was home on XXXX and since I was working XXXX meant no income. I made arrangements for a forbearance. At no time was there any mention of increased interest or fees. However, when I began to work full time again in XX/XX/XXXX ( I actually began to teach as an adjunct in XX/XX/XXXX, but the pay was very low ), I began to make full payments again, and that was when I saw that my loan had ballooned to {$38000.00}!. I have been paying more than the monthly amount for years now, and the loan reduces very slowly. It does n't seem correct that after all this time, I am still paying this loan back in XX/XX/XXXX. Please look into my situation and see if something is incorrect. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a personal Fine Art business called XXXX. I started this business in XXXX and by fall of XXXX it was still loosing money and I initiated a consultation to consider bankruptcy. I decided to file for bankruptcy and was told that the filing would stay on my credit report for seven years. For the past seven years I have had to pay higher rates on everything and have been patiently waiting for the 7years to pass so I can get my credit score back in good standing. I signed up with a credit reporting agency this past fall to review my credit score and correct anything that was wrong and make any other changes necessary. I requested that some items be investigated and received the Trans Union investigation results stating that my Chapter XXXX bankruptcy filed on XXXX/XXXX/XXXX will not be removed until XXXX. This is a complete surprise and not what I was initially told. What can be done about this? I may have sought other avenues had I known that this bankruptcy would stay on my credit report for a full 10 years. Either I was given wrong information or the decision changed recently in which case I do n't feel that it should apply to me. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Navient Solutions, LLC.
State: VA
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 have a loan through XXXX XXXX which is now being handled by Navient. I was on a payment plan for a while, but then they said that I could no longer be on that plan. I have talked to several representatives, and always get a different answer. Currently, I am experiencing some financial hardship and can not pay the amount that they have billed me for. I have asked about setting up a plan that would be conducive to my current situation. I have been told that is n't an option, and now they are harassing not only me and my Grandfather ( who is my cosigner ) but other family members and friends as well. We have let them know that my Grandfather is retired and does n't have the income coming in to be able to help. Therefore, I have to handle the balance on my own. They call my Grandfather almost everyday and have resorted to now calling some of his friends from Church.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
XXXX added an extended 7 year fraud alert on my credit file. In their letter, XXXX wrote it would contact TransUnion about the extended fraud alert. I did not receive a notification from TransUnion. Thus, I faxed the letter from XXXX to TransUnion. Again, I received no response on the matter from TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I borrowed from sallie mae XXXX times XXXX in XXXX and another in XXXX and XXXX totaling XXXX. I was taking classes to become a XXXX but because of my ongoing health issues it was difficult for me to stay in school consistently, having XXXX XXXX and taking XXXX XXXX medications throughout this time I have still not completed school but have become XXXX but only making enough income to survive. Refusing to get onto social security income, my income is still limited. I am a mother and take care of my child with my income. This debt is XXXX years old but still remains on my credit report and although I borrowed XXXX total, it shows as XXXX on my credit report. XXXX XXXX is not the one calling and harassing me but another company, they have threatened jail time as well as putting a lien on my property, but I have no property so I am not sure if they are talking about my car which I am assuming they are. I have sat on the phone with them with tears in my eyes trying to explain that I have no way to pay, they then state that I am refusing to pay and, what kind of person gets a loan with no intention to pay. I did intend to pay this debt back, I thought that I would be healthy enough to finish school and have a financial stress free life, well I am not financial well off but I am still a happy person that is until I have negative people calling me at times that I asked them not to call and disrupting my business while accusing me of being a low life. I did not even know that they could do that. I would never recommend sallie mae to anyone based solely on the fact that they sell there debts to the worse people ever. They will not stop calling me. and are very evil people. I have learned to try and avoid them but they call over and over if I dont answer the phone and willl even call from blocked numbers if I dont answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife is XXXX from having a XXXX a few years ago, We will always have ongoing medical expenses that are not covered by health insurance for her care and that has caused us to be deliquient on our mortgage. We 've submitted financials and several modification requests to American Servicing to modifiy our mortgage. Customer service has been rude and uncooperative and refuse to modify our mortgage. We recently resubmitted our modification request again. Please help, we do n't want to loose our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of refinancing my USDA guaranteed rural housing mortgage, currently held by Wells Fargo, through a new bank, XXXX. We have encountered a problem with Wells Fargo. The payoff statement that Wells Fargo issued to XXXX classifies my mortgage as a conventional mortgage instead of a USDA guaranteed mortgage. My closing documents from XXXX, the mortgage company that issued the original loan in 2011, shows my loan as a USDA rural housing loan. However, the mortgage was sold to Wells Fargo who has classified it as a conventional loan, despite all documentations showing that it is indeed a USDA rural housing loan. Wells Fargo has acknowledged that the paperwork shows that it is a USDA loan, but they have yet to make the change so that I can complete the refinancing process. 
One of the Wells Fargo employees that I spoke with on the phone suggested that this is how Wells Fargo treats all of their USDA loans. If that is the case, then this is illegal and should be investigated by the CFPB.

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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have an address on my report I dont recognize and have never lived there also the phone number XXXX has never been under my name THE XXXX NY XXXX

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 non-monetary relief
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo foreclosed on my duplex and my {$69000.00} escrow. Because they were collecting for a loan that was already included in the first mortgage on my house. I have now paid it again to XXXX. Now XXXX has transferred to another servicer that wants me to pay them the same money. 

HOW MANY TIMES DO I HAVE TO PAY SOMEONE FOR THE {$47000.00} someone gave me in 1992? I apparently paid Wells Fargo for a commerce bank loan that was paid off by my house loan. - actually it was paid off with my escrow and extra money I had to pay to midland mortgage I did not owe. I believe Wells Fargo was collecting for the escrow I was paying on another property and I had already paid to another lender. I also believe they paid this money to XXXX for insurance I had not spent/used. The money also XXXX have paid been paid to XXXX companies claiming to have judgements against me or my husband and with whom we never HAD an account. 

WELLS FARGO STOLE MY XXXX

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 2017-03-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wanted to buy a XXXX puppy. Found one from XXXX and contacted through e-mail. Price was good and they would include shipping. Dog XXXX, shipping XXXX. We agreed. They wanted money sent by XXXX, we did. Then XXXX contacted us and said we had to pay insurance for air flight of XXXX. This was not mentioned during the transaction for the XXXX because they were to pay shipping. They would not ship unless we paid the money and said if we did not pay the money the dog would be put in quarantine for nine months and we would be turned over for pet abuse. They wanted the money paid per XXXX. XXXX even called me at home twice coaxing me to pay the money ASAP and once the dog was delivered I would get my money back. I told them I did not have this extra money and could not send it. They kept calling and e-mailing telling me I had to pay this. I offered to pay by visa, check, or money order and they would not accept this. They only wanted XXXX. I looked up XXXX on internet and it showed this website originated in XXXX. So I would not pay. Later I went back to the website and it was taken down. I tried to get XXXX to send me a refund but they would not respond. Completely ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Navient Solutions, LLC.
State: MD
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 just recently found out that I qualified for deferments instead of forbearances with Navient. I have been unemployed while my Parent Plus loans were due. Navient has applied a deferment once. All other times I was placed on forbearances. I now have a monthly payment over {$430.00}. My current balance is now {$54000.00}, which {$10000.00} is capital interest due to being given forbearances instead of deferments. I still have 13 months of unemployment deferments left. I contacted Navient and asked why was n't I given deferments on my account instead of forbearances, the agent stated that she could not answer that for me. I would like to have the capital interest that has accrued on my account cancelled. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: WELLS FARGO & COMPANY
State: WA
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:
Graduated in XXXX XXXX and moved out of state 2Months later. I opened a checking n savings account with Wells Fargo in my new state of residence in XXXX and since I deposit my check old school, always chit chatting with tellers n personal bankers here in Washington State. I got concerned that I was n't getting any notice/mail to start paying my personal student loan. I asked at least 4times on when my 1st payment was due. The personal banker here in federal way branch ( XXXX XXXX ) and in This is WA reassured me that no payment was showing in the system as due n reiterated that when the first payment was due, I 'd get a statement or something in the mail in advance. 
Reassured, I let the matter go only bringing it from time to time. You can imagine the horror when one Saturday in XXXX XXXX, I received a call on my cellphone informing me I was 2 months late!!! They 'd reported me as past due without any notification of first/any payments being due. I was flabbergasted to learn that they could n't have called my cellphone prior on missing first payment due to autodial laws or something. I asked about what about sending me delinquency notices in the mail? Long story short, they started that on XXXX/XXXX/XXXX they sent one notice informing me my payments were scheduled to start BUT that was to my former college apartment address. Apparently my current address in WA was too hard to find even though I have two accounts ( Checking & Savings ) that I get monthly statements from Wells Fargo for every single month! 
I was proactive and escalated my complaint all the way to the executive team where a team member promised resolution by erasing the reported delinquency as I was not properly notified. Needless to say, a couple weeks later while waiting for something in writing to correct that, another team member named XXXX called me back. Chest thumping started neither she nor anyone else was going to fix the mess. So here we are, I 've decided to NOT make a single payment n closed ALL my accounts withdrawing over {$7000.00} in balance that was enough to pay back over 70 % I owe till this mess is fixed. Enough is enough. Waiting for my say in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed the XXXX Bank account reporting in my credit report on XXXX XXXX, 2016 through XXXX XXXX. The 30 day period for investigation was over on XXXX XXXX, 2016 and I have received no verification of the account and it is still showing a investigation in progress 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 2015-11-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Wells Fargo Dealer ServicesXXXX XXXX XXXX, CA XXXXAccount number : XXXXI rescinded the car loan according to TILA Regulation Z. 
I have not received my payments back. 
I have received the title although this is because the final payment was paid early with rescission notice following days later. 
20 days had passed with no notice of any objection to the courts about my rescinding the loan hence the bank has waived their opportunity to dispute their responsibilities under Regulation Z. 

They must return to me All payments and fees. 
I would prefer that they would send the value in XXXX to the following address:XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There was a discrepancy in the family as to who was paying a XXXX XXXX bill in XXXX of XXXX. After some deliberation, in XXXX XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX/XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by either the XXXX XXXX or another entity, not ourselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Due to unemployment was unable to continue with the payment arrangements made with Navient and they claimed they cancelled them. Several months went by and they started pulling money from my account again. Called and they assured me the auto payments were cancelled. next month again they pulled money, called on XXXX XXXX and they transfer me all over the place then told me that it was from the old payment arrangements and they could n't cancel as it was on a different computer system, they transferred me to the other department who acknowledged that the old payment arrangements were still in the system but they also assured me they cancelled it and I would not have any more funds pulled from my account. Today, again more money pulled from my account. Called and was transferred multiple times again because " unable to see my account information '' then they hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A bank ( BoA ) incorrectly listed me as having late fees on their credit card which appeared on my credit report while applying for a loan. I had pulled my credit report prior to applying for the loan and it was not on the report, it was applied sometime within 30 days of applying for the loan. I 've never had a BoA credit card so I knew it was not mine. I attempted to dispute directly with BoA but they were difficult to deal with. After multiple attempts and much frustration I finally found someone who would check the account referenced on the credit report. BoA confirmed the error and stated they would notify the XXXX reporting firms. Within 60 days I received a letter stating BoA considered the issue 'closed '. I am dubious and frankly concerned. My loan was questioned due to the incorrect reporting on behalf of BoA ; BoA offered little to no assistance in correcting the error ; and I can not obtain my 'free ' credit reports to measure whether the 'error ' was in fact removed as I had pulled my reports earlier this year. So how does one verify for free that errors were removed? It would seem that if a letter is received from a bank/firm allegedly stating the " issue is closed '' then a consumer should be allowed to obtain free verification of their credit report at the cost of the bank/firm that made the error. 
Why are banks/firms allowed to report 'errors ' yet there is minimal responsibility on the banks/firms to correct even when presented with evidence? The check and balance is not there. Consumers are left to fend for themselves sometimes unknowingly that a bank/firm is reporting erroneous information. As a side note, BoA offered no apologies. Only a statement of 'an error '.

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