BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: SC
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 more than {$110000.00} to pay in student loans to Navient, formerly XXXX XXXX. My monthly payment is more than {$900.00} per month! I was in such financial dire straits that I had to file bankruptcy ; however, during the 5 years I was in bankruptcy, my student loans were still accruing interest everyday!!! I think to the tune of {$35.00} per day!!! The amount I owe now is astronomical compared to what I originally borrowed! I was mislead by this student loan company so many times! I 'll never have enough to raise my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Waterfall Revenue Group
State: PR
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I WAS ASKED TO PAY THIS DEBT WHEN I WAS ON UNEMPLOYMENT INSURANCE Benefits AND NOW THATI DO N'T EVEN HAVE UNEMPLOYMENT INSurance Benefits and just the SNAP BENEFI=ST.\

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: SIMM Associates, Inc.
State: OR
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:
A woman who identified herself as XXXX XXXX of Simm Associatesleft a threatening toned message that I was to call her immediately about a debt that she is trying to collect on. 
she gave the number : XXXX XXXX XXXX XXXX XXXX gave me a bogus 'debt file number XXXX looked this number up in the reverse directory. It is identified as a telemarking number with multiple extension and numerous complaints attached to this specific number. 
I DO NOT HAVE ANY OUTSTANDING DEBTS. 
THIS PERSON CALLED ME AT MY WORK NUMBER!! 
This website notes this specific number has XXXX complaints!! 
http : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Selene Finance LP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage company refused to honor deed in lieu agreement although the agreement was returned by deadline and I have complied in every aspect with the agreement. They have attempted to foreclose on my property although I qualify for the HUD Home Affordable Foreclosure Alternative program so they can cashout on FHA Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are applying to re-finance our home for the second time with Bank of America ( BOA ). However, we were rejected several months ago because the person assessing our property erroneously claimed that we were n't the home owners, even though we successfully re-financed the first time without difficulty using the same information. Instead of checking to make sure, BOA took the word of the property assessor and outright rejected us. After a month of complaining to BOA managers, they agreed to re-open our file and start the re-financing process over again. Then, just three weeks ago, we received another rejection letter stating that they could not verify employment, even though we had already provided them with the contact information of our company 's human resource, receptionist, and supervisor. Again, as we have stated before, we had not changed our work company since our first successful refinance. If BOA was able to verify our employment the first time, why were they not able to verify this time if none of the information has changed? We have since re-sent them the contact information of our employers about two weeks ago, but still no word. We are very frustrated over this drawn-out process and believe this is very irresponsible of BOA for doing shoddy work. We believe we are being discriminated against because we are borrowing under {$150000.00} and BOA does not want to process a loan that is so little, which is why they keep finding baseless excuses to reject us. We hope you can investigate this matter for us. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow up to closed complaint XXXX TransUnion was to have removed a derogatory account from my credit report as I had documentation from the agency stating as such. 

Now, all of a sudden, my credit score with Trans Union has dropped by 47 points. That makes absolutely no sense to me. If they successfully removed / deleted a derogatory account, I should not have had a 47 point drop. 

I would appreciate this being dug into as I highly suspect the deletion of this account was done incorrectly on the Trans Union side

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 2016-09-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. 

As it appears on my end if I have {$20.00} in my account, Wells Fargo will not posted my pending transactions until XXXX or so. So if a charge come in at {$22.00} at XXXX ( when I do not have the opportunity to make a deposit due to the time ) I am then charged with an {$35.00} overdraft fee. Surprisingly enough I have only noticed this ( close to close of business hold ) on transactions that will make my account overdraft. 

This year alone I have paid over {$700.00} due to these practices. When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account. 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.

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: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Hello. I contacted you about an abandoned property owned by Wells Fargo. Not only have my questions gone unanswered, they have refused to let me speak to a supervisor. I want to speak to a person who can make decisions and supervises account executives so I can get real answers. I feel discriminated against because I am being given vague information, if any at all. I want Wells Fargo to treat me like a human being, not an automated teller machine. I need to speak to someone who supervises the process of even their supervisor, if necessary. This is a public company and I want an answer to my question about the property in question without some type of a run around. Thank You.

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 2017-02-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been trying to complete an escrow buydown with Wells Fargo since XXXX to prevent my mortgage payment from increasing. I originally received notice of this with the name and number of a mortgage specialist to assist me with this process. I called and left numerous unanswered messages. I spoke to various representatives by calling Wells Fargo 's 800 number and nobody could help or get my situation straightened out. I finally made payments over the phone with a representative named XXXX who assured me my account would go back to the previous mortgage payment. Instead, as predicted because I have had similar issues with Wells Fargo in the the past, my account shows late payments. I have made each monthly payment timely, but my account has not been corrected yet and my escrow payment went toward principle. My account has been incorrect for XXXX months. I was told it would be fixed by the beginning of XXXX. This is showing poorly on my credit. My account now shows that my XXXX payment is delinquent, which it is not. I want this remedied immediately! I have made weekly calls to Wells Fargo with promises it will be fixed without remedy. I am sick of calling to follow up about them screwing up my account. It is a waste of my time!

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had a vehicle loan through Wells Fargo for approximately 5 years. Both myself and the buyer are XXXX. I made the payments out of allotments through my paycheck for years. somehow my loan has consistently been overdue, charged large late fee 's, had a high interest rate and has had insurance added to the loan without my knowledge. I have done everything I can to work with the bank and now they threaten me with repossession. Due to all of the issues with the loan the loan is even more upside down than originally anticipated. How do I find out if my loan is part of the Wells Fargo military loan scandal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Roughly nine months ago I began seeking a short sale approval on sale of a XXXX family home that I own. Its a XXXX XXXX backed mortgage with Wells Fargo. Wells Fargo dragged out the approval process for about nine months. They would ask for single documents every three weeks instead of asking for everything they needed. The requests were often cryptic to the point that Wells Representative assigned to me did not understand the request by the processor, or in some cases they would request the same document multiple times. Finally 4 weeks ago they send they would do an appraisal, the XXXX one, since the XXXX one was done so long ago. Instead though I received a rejection notice with a reason that makes no sens, and nobody else can or is willing to explain to me. 

I feel they purposefully strung us along during the process. As does my realtor/lawyer in the attempts to get us to pay as much money as possible. I am not in a position where I can default so my only option is short sale. 

The property is under water by XXXX. We have tried to make the property work by renting it but the neighborhood has gone down hill so much it is impossible to keep good tenants or even find them. The property needs repairs but being XXXX underwater it makes no sense to fix anything. We desperately need relief on this 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 2016-10-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Wells Fargo ( " WF '' ) XX/XX/XXXX at a branch in XXXX, XXXX. It was a no fee college student checking account. I actively used that account until XX/XX/XXXX at which point I moved to XXXX, XXXX. XX/XX/XXXX, WF had not yet opened branches in XXXX, so I moved the majority of my cash assets to another bank, but kept the WF account open with some cash remaining. When I checked the status of my account a few years later ( approx. XX/XX/XXXX/XXXX ), I was surprised to find out that WF had closed my checking account. Worse, I never received a check from WF with my remaining cash balance in the WF checking account. I never authorized any change to my free checking account, let alone its closing. 

In the wake of the recent developments about WF 's fraudulent practices, I began to wonder what happened to my cash in my checking account. I saw that WF took out full page ads in the XXXX XXXX XXXX to call about complaints to restore customer confidence, so I called that number to see if WF would pay back the money they took from me. I provided my WF checking account information as well as relevant dates to the WF customer representatives but none were willing or able to help me. In fact, they had no record of my checking account despite the fact that it was still apparently open as recent as a few years ago. I obviously knew my account had existed and still had checks, etc. listing the account number. In the end, WF representatives refused to help me. I even think that they thought I was lying about my account ( ironic given their track record on honesty ). 

I suspect a couple things may have happened : 1 ) They changed the nature of my account, without my consent, and ate away at the balance through " fees '', or 2 ) they simply stole the money and closed my account as inactive. I also suspect that the reason WF could n't locate my account is because they had ( or still have ) record retention policies which favor their fraudulent dealings with customer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo has and continues to encumber my property at XXXX XXXX XXXX XXXX RI XXXX with a fraudulent, forged mortgage. The mortgage for {$320000.00}, recorded on the property, on or about XX/XX/2008 is invalid and should be removed from the XXXX RI land evidence records. I would like a full investigation into the matter and to press criminal charges against Wells Fargo.

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 2016-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I think that I have been charged the {$35.00} dollars on the overdraft fees constantly. Some of the account are paid, but mostly keep getting charged the {$35.00} dollars for not having enough money on my account. Some of this accounts, I have n't given them any permission to be charging my account and I still keep getting charged for It. As of right know I owe the bank more than {$500.00} to {$600.00} dollars or more on this fees. XXXX that the Bank would give me credit on this fees, so I could get back to normal status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a refrigerator and a cooking range from XXXX in XXXX, AZ around XX/XX/XXXX which was charged on a Wells Fargo credit card issued through the retailer. The terms of the finance was Zero interest if full purchase amount was paid within 12 months of purchase which was XX/XX/XXXX ( " Expiration Date '' ). The total purchase price for both appliances was {$2700.00}. 
These appliances were purchased for my new house where I did n't move until XX/XX/XXXX. Due to the various activities involving the move and due to the issues with mail forwarding, I was behind in attending to my mail. As a result I did n't make the payment for the first two cycles on time but did pay them a few days later by phone along with late fees of about {$25.00} each time. I was told that my account is now current and as long as I made the full remaining balance on my account by the Expiration Date, I would no longer pay any interest. In order to ensure no more delays, I scheduled regular payments on my bank 's bill pay system so that payment gets sent each month on time and the full remaining balance is paid before the Expiration Date. Below is the schedule of all payments made : Date AmountXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXTotal Paid $ XXXXPurchase Amt. $ XXXXFees Paid $ ( XXXX ) Wells Fargo however kept carrying a balance of {$10.00} on my account and then charged me interest on it even after the last payment was made on XX/XX/XXXX. When I called them, they corrected the mistake but also closed my account and reported it to the Credit Bureaus as late payment for the month of XX/XX/XXXX. While I made the full payment of {$2700.00} before expiration date and paid them late fees for the first couple missed payments, they have taken the wrongful action of closing my account and making derogatory submission to the credit bureaus, when the underlying cause of this was **their mistake** of having left over fees on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX XXXX, 2016 Capital One denied my application for a credit card because " Based on your application information, there is legal action pending against the applicant '' However they fail to disclose what the source of that information is and they did not obtain my credit report during the application process. On XXXX XXXX, 2016 I wrote a letter to Capital One requesting further information. I believe Capital One 's failure to disclose the source of this " legal action pending '' is a violation of the Fair Credit Reporting Act Section 615 ( a ) or Section 615 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
A letter of dispute was initiated Capital One regarding a debt that was paid in full. The letter failed to generate a response in the 10 day window in order to get inaccurate information removed from the credit bureaus that were reported by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To whom it may concern : In a recent evaluation of my credit on XXXX/XXXX/XXXX, it has come to my attention that XXXX XXXX XXXX XXXX negative reports were filed on my report. According to the reports I have reviewed, the reports were filed in XXXX by a " XXXX '' on behalf of " XXXX XXXX XXXX '' and a collection agency " MIRAMED REVENUE GROUP '' on behalf of a " XXXX ''. In further research of the alleged collections, XXXX XXXX has numerous complaints of other false collections under investigation. Miramed Revenue Group appears to have mistakenly filed the same collection twice which has further damaged my credit unnecessarily and also reported inconsistent reports with different agencies bringing their entire credibility as an accurate reporting entity into question. 
Finally, it is my assertion that XXXX agencies ( and therefore all the negative reports ) are completely fabricated, fraudulent, or otherwise false. Whatever the case may be, rest assured that I in no way agreed to or had knowledge of either Miramed Revenue Group OR XXXX XXXX XXXX, XXXX or XXXX. 
These collections were all filed without my knowledge and devoid of any warning from any of the above entities. I have, by certified mail, notified Each of the above collection agencies, all XXXX credit, submitted an official complaint with the Consumer Financial Protection Bureau in hopes of immediate resolve. I am also notifying the office of XXXX XXXX, the United States Treasurer and the Illinois XXXX in hopes of further oversight in debt collection practices. 
I am not alone in what appears to be a growing list of victims in my community and in across the country and I demand these records be completely removed so I can benefit from the advantages I deserve as someone who made the decision to never utilize their credit at all. I am simply attempting to start the process to own my own home and these, false reports stand in my way of that human need. 
I am looking forward to your response!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 I discovered several fraudulent accounts reporting on my Experian & XX/XX/XXXXCredit Report. I have alerted Experian of the fraud by submitting Identity Theft documentation.

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