BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: COMMONWEALTH MORTGAGE, LLC
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I attempted to refinance the mortgage on my condominium with Commonwealth Mortgage XX/XX/XXXX and went through the process as far as a conditional approval ( XX/XX/XXXX ). The conditional approval made reference to XXXX requirements that had been unexpectedly added to the conditions of the loan. The loan was then rejected due to the property 's non-compliance with the newly added XXXX requirements. 

Interest rates increased significantly between the application and denial dates. The first explanation that I was able to get from the lender was that it would have been difficult to sell my loan on the secondary market due to its non-compliance with ( the newly added ) XXXX requirements, and that I should have used a local credit union. Upon seeking further clarification I was told that Commonwealth Mortgage can not make loans that are not XXXX compliant, but no further information confirming this has been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent out a certified letter to XXXX and they responded with the attached letter that they are not reporting my account to any of the bureaus. Please remove this account as per the attached letter.

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 2016-05-29
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
States that my funds availability would be on the next day, my funds were n't released and a representative stated that I would receive a {$100.00} until the check clears. Called in the next day and a manager stated that 's not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: PRESTIGE FINANCIAL SERVICES INC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On or about 2006 it 's been a long time now my wife and I financed a car through prestige financial services Inc a XXXX during this time we were residents of XXXX az. When the economy tanked we lost everything as many did including XXXX in 401k and this car our home everything even our job. We moved back XXXX lived with family and began the painstaking process of rebuilding this company has never let us rebuild they have haunted tortured threatened cost me a job where I was working a couple years back. And after well over ten years and not hearing from them for three of those they out of the blue send a garnishment to my new employer.in XXXX where garnishment for a car is not allowed! I spoke with the state attorney General today they are stopping this garnishment but the damage this has done with my employer is done. I was up for promotion now?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX XXXX, I saw a TV sale at Target. I have a Target Credit Card and knew my limit was {$4800.00}. When I tried to purchase a {$840.00} TV online, I was denied. I called Target and was told my limit now was {$200.00}. The Customer Service Person told me that in XXXX 2015 my limit was reduced to {$2000.00} and in XXXX it was again reduced to {$200.00}. The reason for this reduction according to Customer Service was that I had not used the card in at least 9 months. He told me it was not my Credit Score and in 70 days they would review the limit again. However, I needed the TV now. 
The reason of my complaint was that Target never informed me when they reduced my limit not once but XXXX. I even expressed this complaint to Target 's XXXX department.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was promised graduation, a job & becoming certified. It spent XXXX for a XXXX program. I successfully finished my program but did n't receive a graduation or a job to pay off my loan. I am currently unemployed with a loan of XXXX that I can not pay off. They did n't help me get a job or find XXXX. I was left basically by myself to look for a job when XXXX was suppose to be promised. I 've wasted time and a lot of money on broken promises on bettering my future. I would like my money back or my loans forgiven. I do n't want to be in debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Receivables Performance Management, LLC
State: GA
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 ordered a combo internet/sattellite dish cable package from XXXX. XXXX said that XXXX needed to come install a line for the internet before they could do their install. XXXX came out 1 day, and less than a day later XXXX came out. They told me that they could not install a dish on my property because they could not find a place that had a satellite signal. They cancelled my service ( no problems with them so far ). I immediately contacted XXXX ( while the dish person was still at my house ). I wanted to make sure I got my small deposit back ( I did ). I returned the equipment that had been left at my house ( I originally thought this was the source of the bill, but it was n't ) What I did not anticipate was a bill about a month later. I was n't even sure what it was for & XXXX could n't even tell me what it was for for about 3 or 4 months. I have XXXX bill that says it was for the service. I attached this. I was told not to pay by a representative, so that we could get it straightened out. I was reported to a collections agency. Then I was told that it was for the installation of the line ( that is n't what the bill says - it indicates a months worth of service and state tax, but the collection agency record says XXXX XXXX XXXX wireline ). Finally I was able, 6 months after the fact, to get a supervisor at XXXX XXXX XXXX to tell me my bill was XXXX & that I do n't have an account anymore and do n't owe them anything. She assured me that it would be reported to the collection agency. It was n't. I am still being hounded. XXXX XXXX XXXX has refused to provided me written proof that I do n't owe them any money ( something I can send to the collector and the credit bureaus that probably have this record ). I have asked them to mail me something, fax me something, but I am always given a runaround ... for instance : this has to go to another department first, and other nonsense. The company is so large and so disorganized, I do n't know where to go to get a resolution. I have lost days of time ( phone calls up to 5 hours long where I 'm passed around, hung up on, etc. ) I have great mental anguish. I refuse to pay the {$200.00} that I do n't owe just to get them to leave me alone. I would feel like a loser. The calls wake me up every day ( I work night shift ). I had gone 6 months without hearing anything, and thought XXXX XXXX XXXX had finally done what they promised, but I started receiving the calls again & received a bill in the mail ( again ) after 6 months of silence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Receivables Performance Management, LLC
State: TX
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:
I paid XXXX XXXX XXXX directly and by law, they must recall the account from Receivables Performamce. Therefore, Receivables Performance has no legal reason to be reporting on my credit reports and must delete.

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 2015-10-19
Company: Receivables Performance Management, LLC
State: GA
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 received a call from on XXXX/XXXX/2015 from a female asking me my name and address. She did n't state where she was calling from. I returned the called and learned it was from a Receivables Performance Management Collection Agency. She stated that I owe a family mobile bill, but the account had a different last name than mine. I 've been with XXXX for over six years. Therefore, I do n't owe a family mobile bill. I have n't received a letter from them stating that I owe a debt, but calls stating that I owe a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Current loan servicing company will not honor my previous MHAMP agreement due to payments not being received in the required time frame by MHAMP guidelines. Payment were not able to be paid by required time frame because loan had been transferred XXXX times since XX/XX/XXXX, thus causing issues in making payments to the current servicing company by required deadlines. Will provide documentation as to issue, dates, etc. when needed. Account was first being service by XXXX XXXX and was transferred to XXXX XXXX XXXX on XXXX. I received notification from Nation Star of transfer the end of XXXX 2014. I contacted the new servicing company and they did not have my loan details yet. On XXXX I spoke with a supervisor is their department regarding the letter I received which showed all my loan information was incorrect. He advised me to wait another week and check back again. During the interim, he sent request to delete late charges as I was within my first XXXX days of transfer to a new servicing company. He also stated that I could pay my account on line when I get paid on XX/XX/XXXX. After confirming deposit for self employed funds were received and posted to my bank account I logged into their system to make a payment. I am attaching the email I received as proof that I logged in to create my account and make payment. However, my account was still incorrect and showing that I was XXXX delinquent and their system would not allow for me to make a XXXX month payment as previously directed. I contacted XXXX XXXX XXXX XXXX directly on XX/XX/XXXX and explained this issue. I made payment by telephone which cleared my bank account on XX/XX/XXXX. This issue caused me to become over XXXX days delinquent on making payments and thus made me ineligible for the deferred principle write off that was to be completed XX/XX/XXXX. I filed request with XXXX XXXX in regards to this issue and never received a resolution prior to my account being transferred yet again to another servicing company effective XX/XX/XXXX. The servicing company was Bayview Loan Servicing which is the current loan serving company. I again filed request and was denied. I filed an appeal and was since denied again due to not meeting the required payment guidelines. I am attaching proof of this final request with both of their denials stating this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I attempted to cash a check at a Wells Fargo, drawn on a Wells Fargo in XXXX California. The customer service manager informed me that there was a fee of {$7.00} to cash the check because I do not have an account with the bank. They refused to issue payment because I would not accept a {$7.00} fee for funds drawn on their institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I request the following information to be provided by Wells Fargo Bank NA. 
As you stated in your letter dated XX/XX/2016, Wells Fargo Bank is the investor of our loan. Please provide a written response with documentation to the following questions ; 1st, how did Wells Fargo Bank NA acquire our loan? 
2nd, what date did Wells Fargo Bank acquire our loan? 
3rd, did XXXX sell our note/loan to Wells Fargo? 
4th, if not, which company or investor sold our note to Wells Fargo Bank NA? 
If Wells Fargo Bank wants to end these complaints, please answer all of our questions truthfully and provide documentation. Failure to comply will result in additional complaints filed against Wells Fargo Bank NA.

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 2016-10-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had dealings with a XXXX company that had several names, at least XXXX in the United States and XXXX in the XXXX. I requested more information from the XXXX based business called XXXX, but was contacted by the XXXX based business called XXXX which is a subsidiary of XXXX, also XXXX and has also overlapping personnel with the XXXX business called XXXX options. I did business with them for a little over a month from XXXX XXXX, XXXX to the middle of XXXX XXXX. In this short time they swindled me out of over {$40000.00} XXXX. I complained to Wells Fargo Dispute Resolution Center on XXXX XXXX, XXXX and they commenced a chargeback. I was then contacted by the broker from XXXX XXXX who threatened me with legal action if I persisted in the chargeback. I then cancelled all the chargebacks and attempted to resolve the issue with the company. However despite my cancelling the chargebacks, the charge backs proceeded and I then made the decision to let the bank do its work, since these individuals did not stick with the plan that we had just agreed on. The bank then proceeded to get some of the money back from the credit card transactions but then failed to even try to recover the money from the debit card transactions

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 2016-11-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To sum this up I have been a victim of Wells Fargo predatory lending and cash out financing as well as opening a home equity account I never asked for. This was 10 years ago, I was not aware of it at the time and they took advantage of my divorce situation and completely disregarded the consent orders. Each and every time I ever spoke to anyone at Wells Fargo they stated things like " you need to leave the home '' or " what makes you think you deserve a better interest rate ''. They have destroyed my finances and have prevented my family from moving forward financially and they have caused much XXXX for my family with no resolve. They have disrespected the consent orders and direction provided by the OCC. They now have supposedly transferred servicing to XXXX XXXX loans and they put it right back on my credit report again. How could they be permitted to sell my mortgage for a third of the value when I have been so damaged? They never attempted to foreclose through all these years, why? Because they know of the wrong doing that would come out and they somehow believe that transferring the mortgage to XXXX will shadow that. I know the local court will be able to see through that, however this should be addressed at a higher level, I am sure there are many families that are suffering through a similar situation. I have been damaged much more than the cost of the original mortgage. 
I would ask that you please look into this so I may get some resolve. I have spent so much money through the years on attorneys and loan Modification Company 's and I just can not keep going on like this.

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 2015-10-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently have a Pick-a-Payment loan with Wells Fargo and am trying to modify. XXXX XXXX, 2015 our home was struck by lightning and as a result we have no A/C ( in Florida ) and few appliances are working. I received a check form the insurance company but Wells is not cooperating in getting the funds distributed in-order to make repairs. Again, we 're Florida and have no air conditioning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Navient Solutions, LLC.
State: FL
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:
I attended XXXX XXXX University XXXX XXXX XXXX, NJ XXXX for XXXX school and the only lender that you were allowed to borrow from was XXXX XXXX, now Navient. Since repayment started in 2007, I have paid {$31000.00} of which {$5700.00} has been applied to the principal. That means {$25000.00} or 81 % of my payments has gone to interest. At this rate, I will never be out from under this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MA
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:
For 6 months now I have been sending my financial info, along with my cosigners info, in to the office of the customer advocate. I am struggling financially right now to even put food on the table let alone catch up on late loans and pay {$450.00} a month. I keep being told different information about what is and is not an option. My payment was lowered at one point to {$200.00} for a month, I was told it would be permanent. I thought it was a miracle. Then a month later it was doubled and the person I spoke to fell off the face of the earth now Navient is calling me 6-7x a day demanding payment. Telling me to get a XXXX job. They are making my life XXXX. I 'm hoping the attorney generals office can help because no one at Navient seems to care about anything other than threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX Bank when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient is my loan servicer and they have been nothing but rude, unprofessional, unhelpful and harassing. I have tried on numerous occasions to settle the debts and they refuse. Then they offer me a forbearance -but never send me the paperwork - instead they report me to the credit agencies saying I did n't make my payment. I have been unemployed and called them to ask for reduced payments and they wo n't cooperate. They are calling and emailing me non-stop even though I ask them not to. All I want to do is settle the debt or get the monthly payment reduced and they play games and report me to the credit agencies as being delinquent.

Company response to consumer: Closed with explanation