BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a serious illness of XXXX of us beginning in XXXX, my spouse and I experienced financial difficulties that resulted in a charge off dated XXXX XXXX, XXXX, with our Mortgage Lender on a home equity line of credit ( second mortgage position ). Our first mortgage remained paid, but the home equity line lender, Wells Fargo Bank, obtained a judgment against us in XXXX, and has been receiving monthly payments ever since XXXX, currently in the amount of {$600.00} per month, being voluntarily paid by us. Since XXXX, we have been trying to refinance our home to pay off the judgments against us, by using the equity in our home, so that our credit scores will recover, and we can get fully back on track. But Wells Fargo continues to report the XXXX XXXX charge off as a current charge off, dated XXXX XXXX, in addition to reporting the XXXX judgment, which has caused our credit scores to continuously remain " deadbeat '' low, to the point that we can not qualify to refinance our mortgage to help clean up this credit mess. How can Wells Fargo continue to ding our credit score XXXX, by reporting both a judgment and a charge off against us, and show the charge off as only a year old, when in fact it occurred in XXXX? Please Help Us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On approximately XXXX XXXX, Wells Fargo and I ( the homeowner ) negotiated a mortgage release aka Deed in Lieu. They assured me that it would not reflect as a foreclosure because the foreclosure was never started, when I checked my credit report the loan is reported as a " Foreclosure '' and still day to this day almost 3 months later. During the months leading up to the agreement I had the home for sale. I received an offer of {$240000.00} but Wells Fargo turned it down even though my balance was only {$220000.00}. So when that happened and then Wells Fargo tricking me in to signing the house over to them they immediately put the home up for sale for {$270000.00} and pretty much stated that if the house sells for {$270000.00} I would get nothing and like it. How can they continue to do this to consumers. They lied to me when they said it was not a foreclosure but that it was a mortgage release program to avoid a costly and embarrassing foreclosure. So I reluctantly agreed. Please help me get that foreclosure off my credit report and find out why Wells Fargo turned down the purchase offer of {$240000.00}!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I spoke to XXXX employee number XXXXearly this month in XXXX last week approx XXXX and I was told that I should not be charged for any lapse on my Wells Fargo Insurance that was applied to my account XXXX. I waited the five days to see that credit of Insurance from XXXX to Present XXXX credited towards my auto loan balance. This Wells Fargo employee went as far as lying to me telling me I should expect a credit of {$11.00} a month credit from XXXX to Present 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 2016-08-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were strung along by Wells Fargo for several month 's while waiting on a loan modification to find out that we can only receive XXXX loan modification over the life of our current loan. We tried to continue making payments to them but all of a sudden they stop accepting them. Then they wanted a lump sum of over XXXX to bring the loan current which we could not provide so they started foreclosure proceeding and have already attached a sale date of our property.

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 2015-10-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo Bank Auto Finance agreed to cancel two scheduled payments forXXXX XXXX and XXXX XXXX, 2015 in response to Consumer Financial Protection Bureau case # XXXX. Instead, they collected {$1300.00} through bankadjustment from my Wells Fargo checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
this debt is over seven years old since it was delinquent. It needs to be removed from my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In 2013 when i was XXXX and a XXXX I opened a bank account with Bank of America under my social security number ***********. My father gave me a check that did not clear. That balance was covered. Later I had another negative balance which my mom covered ( under {$250.00} XXXX. However Bank of America has reported me too XXXX credit bureaus ( XXXX XXXX with a specific notation of fraud. Because of this I have been unable to open another bank account and I am only XXXX. There was no fraud and Bank of America knows this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After defaulting on XXXX private loans provided by Navient, formerly XXXX XXXX, my loans were handed to XXXX XXXX, XXXX to attempt and collect the balance owed. In XXXX of 2014 I entered into a zero-interest reduction repayment plan with monthly payments of {$250.00} and an interest rate of 0.01 % on all XXXX loans. Two months ago after filing my taxes I realized my balance seemed significantly higher than it should being on this type of interest reduction plan. 

I called and spoke with XXXX XXXX, XXXX who verified I was on the correct reduction plan, but that only XXXX of my loans actually had the plan applied to it and this had been the case for the nearly three years I have been paying ; as such I am being wrongfully charged interest. I have been fighting with the company for nearly two months to correct the issue and I continue to be told that it is being taken care of, but then nothing happens. I 've now been told by XXXX representatives and their respective managers that the process is being started to request a correction to my interest rates as well as a balance adjustment, retroactively reflecting the correct interest charges dating back to XXXX of 2014. 

This seems like a direct violation of our contractual agreement regarding repayment - what, if any, course of actions can I take? I continue to be charged wrongfully on my debt - which is a significant amount of money based on the amount owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Without my Permission Bank of America created 3 electronic payment transactions and debited all of my funds out of my XXXX XXXX Checking Account ( they left me with {$96.00} --. )

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 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Application processing delay

Complaint:
I APPLIED FOR A CREDIT CARD ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

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 2016-02-15
Company: Navient Solutions, LLC.
State: NJ
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:
Navient has been calling both my father and myself non stop both at work and on my personal line. They continued to cal my sister at school and ask her for personal information about me without revealing who they are calling on behalf of. This is beginning to border on harrasment. They now have sent a letter stating that they are sending my account to their litigation for review unless I respond within a week. So far they have been asking for over {$500.00} a month in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
We transferred money from our XXXX to our US bank account. Most banks operated with an exchange rate of XXXX the day the transfer was made ( XX/XX/2015 ), the highest exchange rate we have seen that day was XXXX. Bank of America on the other hand gave us an exchange rate of XXXX. This made the transfer about 260 dollars less than expected. After complaining to Bank of America they gave us 130 dollars back, an exchange rate of XXXX. We still mean this is far to high considering the exchange rate XXXX XXXX. 2015. They also informed us that their exchange rate is higher the higher the transferred amount is, and we want to complaint about this arbitrary way of setting the rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX I was alerted that a collection was added to my account ( opened on XXXX XXXX ) by Jefferson capital system for {$81.00} on behalf of XXXX. 

Since XXXX XXXX that the account was opened I have not been provided with the following : - Agreement with the creditor that authorizes you to collect on this alleged debt - The agreement bearing my signature stating that I have agreed to assume the debt - Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations has not expired - Complete payment history on this account along with an accounting of all additional charges being assessed -Show me that you are licensed to collect in my state ; and - Your license numbers and Registered Agent This illegitimate debt is affecting my credit score in a negative way and must promptly be deleted due to its inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-03
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group contacted in XXXX, 2015 about a XXXX XXXX XXXX bill for {$830.00}. I paid them on their web site. I just found that they are still telling XXXX that I have not paid, and did so as recently as four months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: AZ
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 have been trying to pay off my student loans since leaving college in 2010. At the beginning of the repayment period, my loans hovered at approx. $ XXXX due. I have paid my student loans ( never late beyond 30 days ) despite job losses and today my payment has increased to $ XXXX with no end in sight. I 've tried income driven repayment plans with no help. Unless I double my payments, I will see no progress in paying down. Not to mention that my loans ( which are supposed to be consolidated ) have varied interest rates attached to each loan. The rates range from 2.10 to 6.8 %. The website used to pay my loans is no help with trying to determine how to properly allocate my payments and the customer service number ( when it 's working ) leads to no help. I do n't understand why a consolidated student loan comes with varied interest rates. I would like someone to review my file and help me determine the best way to accomplish repayment. As it stands I will being paying these loans for 20 years when the rest will supposedly be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
MIDLAND CREDIT MANAGEMENT , INC. are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors. 

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 

The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MIDLAND FUNDING purchased an old credit card account from XXXX XXXX. the last factual date of activity and payment is not reflected in the report. Midland has entered their own arbitrary date which incorrectly reflects the 7 year statute of limitations. 

Midland has also failed to provide proof of account ownership from XXXX XXXX custodian of records. They only offer copies of the last few statements with an existing balance, a balance not indicated as to when the purchase was made or last date of payment activity - only " existing balance '', which I refuse to accept as proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My deceased mother had an account with Bank of America. She died in 2005 we left money in the account for repairs to the house and to pay taxes. There is {$3000.00} in the account on hold by EEU ( inheritance div ) that they could not release until they got a Death Certificated ( provided XXXX, also was previously provided in 2005 along with mother 's revocable living trust and will ). I was co-owner and also power of atty on the account. My brother is also a signatory. No one will help me or tell me what I need to do to get resolution. XXXX tells me the XXXX XXXX has to contact them, XXXX tells me I have to go a BOA branch myself ( which I have already done and they referred me back to XXXX ), The XXXX branch of BOA tells me XXXX has to handle it. I spoke with XXXX in the XXXX branch who will not pick up the phone and call XXXX, XXXX has already told me that they will not call the personal banker. XXXX did tell me the bank verified my entitlement to deal with BOA and get the money, but XXXX at BOA XXXX will tell me nothing and do nothing or call XXXX to release the money now that they have the death certificate. All I want to know is why they will not release the funds back to the account, but BOA and XXXX are a continuous circle - one refers me to the other and so forth and no one will help or release the funds. We have talked to XXXX 3 times, a different person each time. The first XXXX said all they needed was a Death Certificate, the XXXX could not even find notes for the first 2 calls. Bank of America and XXXX are doing this to keep the money to which my mother 's beneficiaries are entitled. They are now telling me it has to be probated, although I have a pourover transferring everything, including the bank account, into our family revocable living trust at my mother 's death to avoid having to probate. No one will discuss this and tell me what we need to provide in order to get the money back to the account. It is too expensive to file probate 11 years later over a {$3000.00} bank account. The worst customer service I have ever seen, all for the purpose of taking our rightful inheritance. They wo n't discuss with my brother because he is not a co-owner, they wo n't discuss with me because I am not in front of them in XXXX GA ( I live 5 hours away ).

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 2015-12-06
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private and federal loan with Navient, formly XXXX XXXX. Recently, I contacted them to reset my loan amount payments based on my income and to defer the payments since I 'm back in school full time. I was told they can defer payments on the federal student loan for 3 months, but it would cost {$50.00}. Otherwise, I have to continue to pay {$89.00} because I do n't have the option to base the payments off my income with either the federal or private loan which as an additional {$100.00} ea month. I 'm confused because this is a new law that was passed regarding school loans. Yet, you contacted this loan providers, and they tell you that you are incorrect. I 've had issues with the company before, and it continues. I 'm currently unemployed, and I 'm back in school XXXX. This company continues to draft payments on XXXX loans each month and threatens if I do n't pay them it will be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Paypal Holdings, Inc
State: AA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using PayPal since XXXX for standard transactions ( paying for XXXX apps, clothing purchases with XXXX, sending money to friends/family ). On XX/XX/XXXX I received an email that my account was permanently limited and that I will no longer be able to use PayPal. After reviewing all my recent transactions, I can not find any issues that may have violated terms of service. I've attempted to contact PayPal through the message function on the website. I have only received general emails directing me to their resolution page, none of the information is helpful in reactivating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Navient Solutions, LLC.
State: NY
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:
Contacted Navient XX/XX/2016 about changing due date for my loans. Date was changed to XX/XX/XXXX. Last paid balance XXXX/XXXX/16, discussed upcoming due dates of XXXX/XXXX/16 and XXXX/XXXX/16. Logged into Navient website XX/XX/XXXX and XX/XX/XXXX prior to XXXX/XXXX/16 showing no payment due and next payment due XXXX/XXXX/16 through AutoPay. All indications were that the account was current and that the next payment would in fact be XXXX/XXXX/16. There is no suggestion that the account is past due on " new '' Navient website or " old. '' Photos are attached to this complaint. Received via hardcopy dated XXXX/XXXX/16 that account is past due, there is a {$46.00} late fee, and I also note that interest rates are no longer being credited 0.25 % for AutoPay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Navient Solutions, LLC.
State: AZ
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 student loan was transferred to Navient in XXXX XXXX, upon transfer Navient reported my payment at {$84.00} which is incorrect. In XXXX, I paid this amount without paying attention and in XXXX I contacted my previous servicer XXXX to inquire why the amount had increased. They stated I am under income based repayment plan and it should not have changed. The payment amount is {$64.00} and there was a late fee which made the total {$84.00} but it was my option to pay the late fee. I contacted Navient and told them this and was told their website would not allow the amounts to be seperated, I then stated since I paid the {$84.00} there was no longer a late fee and the correct monthly amount should be showing. I was then told that no the extra paid was applied to the loan and not the late fee and this was how it worked for student loans. I have been protesting since. In XXXX, Navient has hiked my payments up and my income based repayment plan is not expired and they are showing late charges in addition to prior. Navient is attempting a form of extortion and refuses to forward my any information.

Company response to consumer: Closed with monetary relief