BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-02
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a student loan back in 2002, was finally paid off XXXX and now I get a statement from XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called The Steve Peroutka Law Group , P.A XXXX Their infomation is- The Steve Peroutka Law Group , P.A XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX PhoneXXXXI thank you in advance for any help you can lend to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXX XXXXDelete all XXXX Special loan service, trade line for all XXXX credit bureaus and not report the short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Risecredit, LLC
State: NY
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I received a loan from RISE credit, illegal in New York state, for {$3500.00} XX/XX/2016. After months of harassment and withdrawals from my account which caused me to incur overdraft fees, they sold my account to XXXX with a balance of {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Community Health Investment Company, LLC.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 my aunt ( XXXX ) had a follow-up appointment with her XXXX. She had been hospitalized and was currently in a XXXX. The XXXX wanted a XXXX. He faxed an order to the hospital office which was just next door and indeed walked us out to the front of the building and directed us to where we were to go. We went and had it done. XXXX and her supplementary insurance initially paid for it but then withdrew the payments because they said that she should have had the XXXX at the XXXX. Medicare told me verbally that she was not liable for the payment.The physician had received documentation from the rehab so he knew where she was staying. Now the hospital is sending her ongoing letters and indeed a Final notice demanding payment as well as threatening to turn it over to a collection agency and listing it as a bad debt which will be detrimental to her credit rating. I feel the XXXX and those with XXXX are targeted as more likely to comply. I am her power of attorney and we are not going to pay for the mistake of others. To make matters worse, on XXXX XXXX the XXXX was repeated at the rehab because the Physician notes were unclear. My aunt should not have to pay for the mistakes of the professionals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Specialized Loan Services repeatedly denies my application for mortgage assistance.

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 2016-12-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I still do not know why my bank accounts have been frozen, and I 'm still waiting on receipt of the form from XXXX 

However, as I 'm made clear to you, I need to pay my mortgage as agreed to keep my home. I have CC XXXX, the attorney who has worked out my arrangements with my mortgage company -- XXXX The payment of {$1600.00} is due no later than XX/XX/XXXX. If I do n't make this payment I could risk losing my home. 

As they stated, they will reach out to " XXXX '' the XXXX for their branch. I have not gotten a reply. 

This is a very bad experience. I would like to speed up the XX/XX/XXXX day freeze period and do simply withdraw all funds, close the account and part ways.

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 2016-09-11
Company: STERLING JEWELERS, INC.
State: IL
Product: Credit card
Issue: Other

Complaint:
I 've mailed a certified letter to Kay Jewelers dated XXXX XXXX, 2016 and XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account number XXXX. Kay Jewelers has FAILED to reply in a timely manner to my initial letter dated XXXX XXXX, 2016 and has also FAILED to furnish to the credit bureaus a " notice of dispute '' on my account within 30 days. Kay Jewelers has not only VIOLATED FEDERAL LAW, but has also FAILED to provide me with a copy of any viable evidence, bearing my signature for this account. Kay Jewelers is liable for willful non-compliance, as per FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Comerica
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have had a problem with the " Direct Express '' debit master card account! I had XXXX different deposits ( returned merchandise ) from the same merchant into my account on XXXX/XXXX/2016 neither transaction reflects in my account! I have contacted the customer service numerous times to no avail! They refuse to allow me to dispute or file a claim for the money they have received from the merchant, and not deposited into my account. I am seeking your help to get my money from this Direct Express bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Mortgage gives you a grace period on your mortgage payments before the late fee is charged. However, if its not paid on the first they report it to all XXXX credit agencies as LATE, this is causing problems because I keep getting DENIED when I apply to refinance my current mortgage ... ... Can I bring legal actions??

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 2017-02-11
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have not received any calls on my phone nor have I been contacted by mail. I had a loan from XXXX that has a balance of XXXX or more. It was XXXX. They had garnished my pay and have taken all of my refunds each year. I lost my job in 2015 n am now unemployed looking for work but also taking care of my XXXX year old mother. I had a neighbor come over to tell me a XXXX from general revenue Corp XXXX called her asking questions about me. I never received notice that my loan changed hands then another neighbor called telling me the same thing. Both said she asked if she could call them back. Both said no. Today they called my mother 's phone n left a message to call XXXX. Luckily I got the message before she did. It would kill her to know they are calling her long time neighbors. I went online n found numerous complaints about them. I could n't read all due to the large amount. Most said they are scamming and identity theft I am looking into bankruptcy because of medical debts

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 2015-08-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
WellsFargo did not pay my county taxes on time. They did not alert me that they 're may not have been sufficient funds in my escrow. This caused me to have my credit report show a lien placed which looks like I did not pay on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CT
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 compliant with payments and my overall loan amount is not decreasing. When I call to inquire about it I get a vague answer as to why my loan amount owed continues to increase. Ive expressed numerous times that I ca n't afford the monthly obligation and i am very unhappy with the services. The reps do not provide you many options when speaking with them in regards to lowering your payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I contact US Department of education to help with XXXX XXXX loan. I talk lady name XXXX in XXXX explain to me that they could help my situation. I was told that Navient will pay off my loan with consolidate with payment of {$230.00} till XXXX and that would be all I have tp pay. I received letter in mail from Navient on XXXX XXXX, 2017 stated in the loan the loan amout from XXXX XXXX is {$35000.00} which Navient added on {>= $1,000,000} that brings my balance to {$560000.00}. I 'm confused and upset because they mislead information I would have never went to Navient company to help me with student loans. I would like to cancel my service and my first payment is not til XXXX. There has to be law suit against this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
XXXX use my XXXX ( provided by Wells Fargo bank ) card number ( ending in XXXX exp XXXX ) for recurring charges. 
Since card ending in XXXX expires on XXXX Wells Fargo card company send another credit card ending in XXXX exp XXXX. 

But XXXX has old card number ( ending XXXX and exp XXXX ) on their file. I never updated billing card information in XXXX. Neither I activated new card ( ending XXXX ). 
But still Wells fargo accepted credit card charge from expired card. 

I was sure that since the card has expired XXXX will not be able to charge using old card information. But Wells Fargo card service has accepted the charge on XXXX and XXXX. Since I did not use this card anywhere I did not pay attention to Wells Fargo card account. Hence I miss payment. On XXXX I got billing statement and found that I owe {$91.00} with the late fee of {$27.00}. 
I contacted company customer care and they inform that since my account number remain same they will accept the charges from expired credit card. But when I check my new statement account number it ends in XXXX. 
My question is will credit card company accept the charges on expired credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i am constantly and have been constantly disputing this account with this company for inaccurate reporting because they debt their reporting does n't belong to me. i am getting frustrated and i need this to stop. i will not pay for an account that is being reported inaccurately, that 's a scam and i 'm so tired of this company and their aggressiveness about getting me to pay for something that i have no attachments too. i 'm about ready to file a law suit, their reporting inaccurately and bullying people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Over the past several years I 've been the victim of aggravated identity fraud. I have filed a report with the FTC, and have sent letters to Wells Fargo with information from the DOJ that state this as well. On top of Wells Fargo creating phony accounts in my name without my permission, they 've also allowed fraud on my account to continue even though I 've given them notice routinely. I 've been promised I 'd receive credits back from supervisors and then after weeks go by, my claim was denied. My information was compromised in 2013 with the XXXX data breach and I 've had issues ever since. I always notified Wells Fargo in writing or via email or phone call within 2 days of any of these charges and they still wo n't honor their 0 % fraud liability protocol. I 'm working with the DOJ on potential options but want to expose Wells Fargo for this criminal activity.

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 2016-02-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted an application for HAMP assisstance to America 's Servicing Company. I am requesting a loan modification, they responded that I had the maximum amount of modification possible and that the private investors are renuant to offer another modification. In a telephone conversation that I have with XXXX America 's Servicing Company, Home Preservation Specialist in XXXX XXXX, she stated that the investors can not approved the modification because I was found unable to pay. The house is scheduled for a foreclosure on XXXX/XXXX/XXXX. I am requesting your help to stop the foreclosure and to advocate for a positive solution of my case, either loan modification or refinance. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was sold per Wells Fargo a fraudulent loan, what was supposed to be a XXXX FHA loan turned out to be a reverse foreclosure loan which requires adifferent set of documents and applications. 

My loan was a violation of federal regulations and with illegal overcharges. 
The sellers were at the closing and received a check for the purchase. 
I was blinded with this being my XXXX home purchase. This is a deplorable acttowards a senior citizen with this being a XXXX and over community. I haveworked long and hard for over XXXX long years as a XXXX and now in myretirement time I find myself homeless. 

Wells Fargo has been unsympathetic regarding this matter. I have beenphysically ill and hospitalized over this matter. My siblings and I were taught topay our bills and follow the law, but what I have found is an unjust sentence inmy golden years. My life is at a standstill and I find myself aborted back to XXXXyears ago when I was capable of working XXXX hour shifts, This has become aliving nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: MO
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 entered into an income-based repayment plan with Navient for my Federal Loans but my payments exceed my monthly paycheck. I have asked on a consistent basis for help in decreasing my payments but everytime a customer service rep has offered me a forbearance. I need help in getting a real help with my monthly payments. I have asked for financial help for years and all they have done is passed me along with defaults and forbearance forms. I would really like to make some payments but I can not afford what they are asking. My combined payments are approximately {$3500.00}. I can not afford that I am a single mother and I am trying to take care of my daughter all on my own. I have told them this several times. I have no way to pay this amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Navient Solutions, LLC.
State: OH
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:
My mother 's social security number was used by my ex sister inlaw for a cosigner on her student loan back in 2006, electronically.. My mother is on social security, XXXX XXXX XXXX and in very bad health. She has been in and out of the hospital and in a XXXX home XXXX. My mother is being harassed daily by calls and letters. Demanding payment, which she can not make, because my ex sister in law can not be found and has been divorced from my brother going on 10 years. My mother never signed anything and Sallie Mae will not send her anything with her signature on it. She was asked for her social security number when she was recovering at my brothers XXXX This harrassment has increased in the last 6 months and effecting my mother 's health in a negative way. This is leading to her having another XXXX XXXX or worse. I need help, because Sallie Mae does not want to cooperate with her or myself. thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of america falsely used their " right to offset '' to pull funds from another b of a account XXXX to XXXX after the over drawn balance was offset using this same manner. every representative gave me wrong information, or information that could not be verified. i was told the funds were used to cover a check that was actually returned.

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 2017-01-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been consistently encouraged to put my loans in forbearance since 2012 when i first returned to XXXX College and then XXXX University XXXX to school, despite the fact that i am currently low income and have been for several years. I was never offered the opportunity to base my repayment amount on my income level, or informed that there were options available that would limit or eliminate the amount of interest accrued on my loans over time. I was also never offered the option of consolidating my loans. The push was consistently toward forbearance and interest accruing repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Check City Partnership, LLC
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Payday loa lenders trap people with high interest rates and will not work out anyways to help the consumer. They would rather have the consumer over draft and be unable to pay loans. I would like to revoke authorization to my account because I have had fraud to my bank account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am currently in a Income Based Repayment Program. I decided to re-enroll in school, so I signed in to check out my account and I discovered that I was charged a total of {$8.00}, XXXX in capitalized interest. So I contacted Navient and inquired about the fees, I was informed that during my re-certification for the 2015 term, my application was turned in late. I informed the customer service representative that I never received a notification stating my application was late and I was never informed by Navient that I would be charged {$8600.00} in capitalized interest. So, I asked the customer service representative to show me the documentation stating that Navient reached out to me about my re-certification being late. I was informed that she was not able to go that far back in the records and I should log onto my student loan account. I was not able to access the information and I informed the customer service representative and she told me that I was informed and I should be aware of the fees when I applied for financial aid. I explained to her that I was not aware and I did not receive notification from Navient. I am not pleased with this situation because I was not aware and if I did not log into my account, I would have never known I was charged those outrageous interest fee. Navient has not did a great job of keeping me informed about my account or my loan and I am very disappointed.

Company response to consumer: Closed with explanation