BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for and was pre-approved for a mortgage through Wells Fargo Home Mortgage. I was working with XXXX XXXX, a Mortgage Consultant with Wells Fargo ( XXXX ID XXXX ). After receiving a better interest rate with another lender, I decided not to go with Wells Fargo. As a condition of the mortgage, the new lender asked for a withdrawal/cancellation letter from Wells Fargo because my credit report indicated we applied for mortgage credit with a company named XXXX. Since there was no other bank, lender, or company we were working with other than Wells Fargo and the new lender, this hold up had to be associated with Wells Fargo. I attempted to contact XXXX XXXX and his office multiple times over the course of multiple weeks, but failed to receive any type of response back. This is holding up my ability to receive a mortgage through our lender. Here is the contact information for Wells Fargo : Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, NY XXXX XXXX XXXX Tel ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card
Issue: Convenience checks

Complaint:
I took a Super Check offer from Wells Fargo Bank that offered, I believe, 15 months with no interest. I calculated that {$300.00} a month would pay back the check amount by the deadline to insure no interest. When the the card was utilized for other reasons, I paid that amount in full along with the {$300.00} and I am still being charged interest. Why??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America refuses to transfer my mother 's IRA to another bank. We decided to move it from BOA because they refused to do a change of address or a direct deposit of the required IRA monthly withdrawal of funds. The checks, good for only 90 days were repeatedly mailed to an old PO box we wanted to close out and three times we had to ask for new checks to be issued because the checks had expired by the time we received them. For no valid reason, BOA failed to direct deposit the checks despite my filling out the forms. It even took a month for the forms to arrive within the same town. XX/XX/XXXX I asked XXXX XXXX Bank to initiate papers to have the IRA transferred to them from BOA. BOA has dragged their heels and refused to transfer the funds despite repeated phone calls. BOA has a reputation for being extremely slow to release funds or respond to requests. We feel they are a shady and questionable bank. We want the IRA transfer to XXXX XXXX to be done immediately and for BOA to relinquish all hold and illegal use of the IRA money without permission. We believe without outside intervention they will string us along indefintely, ignoring the transfer request and continuing to illegally benefit from the funds while depriving my mother from their benefit. I am her legal guardian of person and estate and BOA has had these papers since XXXX 2013.

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 2015-05-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo Mortgage stated I refinanced my home in XXXX. That is not true. I refinanced that home in XXXX for 15 years. I was not eligible to refinanced that home again with a VA loan because it was not my primary resident. My loan was sold to Wells Fargo and they refuse to listen to me. The paperwork that they sent me is not official it has a signature without other information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: MD
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:
After graduating college I tried to get some information about my student loans from Navient on how to consolidate my loans so i could lower my interest rate. I was n't provided with any information. Navient seems like bullies when they are always " pay me, pay me '' and do n't care about the customer. I am {$100000.00} in debt with them because they failed to help me. Sometimes i feel like i have to chose between eating everyday or paying them. They say my monthly payments are around {$650.00} a month. They do n't provide enough information to the borrower and did n't let me know the interest rate and I am just finding out that all my loans are private which I thought they were federal loans. This is becoming a XXXX for me and I am out of options. I am asking you to please look into my account. I will provide screenshots of how much I owe and the interest rate on the loans. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loans were through XXXX XXXX now Navient has taken them over. I am the borrower. My soon to be ex-husband is the co-signer. I 've never gotten any correspondence via mail, email and/or phone calls saying my loans were even due. Yet Navient began calling my ex telling him at XXXX to pay {$2800.00} right then or they would ruin his credit. He works for the XXXX. He was then called and said to pay {$450.00} and they would stop calling him. He called me I contacted them they were just as rude to me. Telling me I was divorcing him so he could n't be that good and I should n't trust what he was saying. I was then told I could pay them a Fee of {$150.00} to put my loans in forbearance. When I spoke with XXXX XXXX the supervisor and told her I 'd get a pre-paid card and call them back because the sites say they take amounts they should n't out of people 's accounts. I tried to work out payments with them and they said no. That if I did n't pay exactly what they wanted they 'd make sure I never get my divorce by telling my ex that I am refusing to pay. I called my ex and he said they acted the same way with him. I called again and they stated no one said theses things to us so I told them their calls are recorded XXXX XXXX got on the phone again and said they are for quality control and that if I record them she 'll have the police at my home and make sure my children see what a looser I am for not paying my bills. You ca n't communicate with them at they are nasty rude tell me to get a better job. Get married or marry someone with more money! They need accountability. All the compliants I 've read are the same. Why does the FDCPA even have rules if they are n't held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
i recently tried disputing items off of my credit report and haven't got an update about the the items i disputed. instead i got a letter that i will attach stating that i looks like I'm being they won't move forward. it has been more than 30 days now.

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 2016-03-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I request that the company Wells fargo dba ASC produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms XXXX, XXXX, or form XXXX. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trust Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
Refund of all funds submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trurst Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.

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 2016-08-08
Company: Navient Solutions, LLC.
State: MT
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 am a single parent and received no support from my daughters father. I signed for parent plus loans, and eventually consolidated my XXXX loans with the parent plus loans. Because of current rules related to consolidated parent plus and my loans, I am not eligible for low income rates or loan forgiveness. I spent all of my career providing care for underserved populations, whci normally provides loan forgivness programs. since I consolidted the loans, I am not eligible for any of these programs ... .this is so wrong! Also, apparently my loan and personal info. is availabe to scam people and I got a letter from " XXXX '' a fake agency ... .our persoanl info should be protected from anyone getting it ... my loan agent is Navient. How did this XXXX know my name, address and loan specifics??????? unless it is easily available. At the least, it should be protected personal information ; there needs to be strict laws protecting our private loan info, along with our name and address ... etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I am a Wells Fargo account holder. Wells Fargo illegally withdrew money from my account without notice or explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is holding {$12.00} XXXX attachment ) as Bank of America XXXX damaged my home. XXXX XXXX attachment ) roof, broke my front door down. I made a claim with my homeowners insurance company, Bank of America told me that they will foreclose on my house instead of releasing the funds owed to me. The police investigated the Bank of America XXXX damages and break in : The XXXX incident number ( XXXX ) was generated when XXXX of our officers responded to your property when a neighbor reported a suspicious person walking around the residence. 
The XXXX incident number ( XXXX ) was generated by XXXX XXXX at the time you spoke with him about the Bank of America XXXX XXXX burglary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo are guilty of a BAIT & SWITCH program, causing my family substantial stress and harm. 
Wells Fargo promised to cancel our unfair and wrongful late charges of {$5000.00} if we paid our two months past due amount. During this process this Bank encouraged us to sell our home to become current. At no time did Wells Fargo put a date certain on when to complete this by, nor give us any notice or warning about such a. 
Consequently we began the project of catching up and selling our home, by working hard to make it saleable. It takes a while to do this work and get a house sold. 
We have now sold the home, will pay the past due amounts, BUT NOW WELLS FARGO ARE REFUSING TO REMOVE THE LATE CHARGES AS THEY PROMISED..During the process Wells Fargo took almost ten to twelve weeks to answer each separate enquiry we made about the ongoing process, at least three times. They were close to impossible to reach the person even they advise to call. Once in 9 months did l manage to speak to the person noted by the Bank to telephone. Wells Fargo delays amounted to bout four months in the last nine months. 
Now we have SOLD OUR HOME based on their promise to remove the unfair late charges, BUT NOW WE GET FROM WELLS FARGO THEIR BAIT AND SWITCH TACTIC.

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 2016-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent several letters under " XXXX '' to Bank of America for details of the debt they are reporting to XXXX, XXXX and XXXX. Bank of America is reporting multiple addresses for contact to each of the credit agencies and have not responded to my requests. The charge off amount reporting is different between XXXX credit agencies. I have asked for details about the data of last payment, charge off amount, interest being charged and how they calculated this interest and copies of past statements and to provide if this debt has been sold to a debt collector. I have not received any response from any of the addresses they are reporting. The Credit Agencies continue to validate this debt and it continues to report monthly. BofA has not reported that this debt is in dispute with the Credit Agencies after several " XXXX '' letters.

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 2015-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently found out that I had been denied for a loan modification when the denial letter dated XXXX XXXX, 2015 arrived at my home on XXXX XXXX, 2015. Moreover, I have a foreclosure sale date for XXXX XXXX, 2015, therefore, Wells Fargo was not honest when they told me while I was being reviewed for a loan modification the foreclosure sale date would be remove, only 1 day after the 30 day period I had time to dispute I am facing foreclosure sale date. This leads me to believe they merely postponement and did not remove has they said they would. However, a new package was submitted to Wells Fargo Bank to review, in addition, in the month of XXXX 2015 I was provided with XXXX points of contact only one responded to me XXXX XXXX XXXX who instructed me to call the Foreclosure Attorney who works for Wells Fargo and not the other way around. 
I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have my mortgage with Citizens Bank and have always made on-time payments. However, the last 2 months, they have incorrectly reported to the 3 credit bureaus that my mortgage balance has gone UP ( it has not ). I have tried disputing with Citizens multiple times and they are not helping me, they keep reporting incorrect information that has hurt my scores. On XX/XX/2022, they reported that my mortgage balance went up by {$940.00} ( to {$170000.00} ) when it actually should have gone down to {$170000.00}. This decreased my credit score by XXXX point. I called the bank to dispute this information and disputed with the 3 credit bureaus. It was briefly corrected until XXXX. On XX/XX/2022, they again incorrectly reported my mortgage balance as going up to {$170000.00}, when it was actually at {$170000.00}. I called Monday XX/XX/XXXX and Citizens refused to open another dispute, saying my original dispute was declined. This time, my credit score dropped again by XXXX points due to these reporting errors. They are refusing to help me or correct the issue. I keep disputing, and they keep reporting the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I call in monthly to make my payments over the phone. When I first began with this method, I realized quickly that I was constantly showing an overdue balance each month as a result of unpaid loan balance on a second page of loans that I was unaware of. As soon as I was aware that I had two separate pages of loans, I requested each time I called, to have my payment processed towards both pages of loans so as to avoid any late fees. 
They have repeatedly told me that they see this request in their previous notes, and that this should be done automatically by all employees, yet I am still having the same issue. I am forced to check my statements more than periodically and constantly afraid of missing another error. They seem to use this as a tool to coerce me into an auto draft plan which I am not interested in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the last several years my mortgage company has continued to call and harass me about my payments. Here it is in a nutshell, I asked XX/XX/XXXX if i could make my payments at the end of the month since i get paid at the end of the month, the company said yes. Well, when that happened i was charged late fees, i called and asked why would you tell me something like that, they said that when you signed your mortgage it as signed for the beginning of the month. In order for me to do that, as far as making payments toward the end of the month, it will cost XXXX extra a month for each mortgage, I have XXXX mortgages XXXX and XXXX. I ask them to explain and according to wells fargo aka america servicing company that it cost monthly to reprocess your payments, and the XXXX a month addition would be for the life of the loan which is 30 years ( Monthly for 30 years, even though it is not written in their clause ). So at this point, I pay my mortgage on the XXXX of each month, and late fees has piled up but when i look on my credit report it says current, which means that they are trying to take advantage of a high interest rate homeowner, 9. 25 %, and 12.25 % ... ... .since XXXX I have been trying find companies that would refinance me but to no avail every company wanted money upfront even HUD , so Im stuck, and on a XXXX salary no one wants to help a XXXX and his family.. I have them on call blacklist, and they call every day three or four times a day. Can someone in your organization help me????? or do you need money upfront. the only time they dont call is when they get paid, but that only last from the the day it hits their system as a payment until the XXXX of each month, however these last few weeks they have been harassing me daily and it needs to stop. In XX/XX/XXXX, I applied for a loan modification, and they rendered a decision according to them - Our investors ruled that a you dont qualify for a modification- when I called and ask for an explanation, Wells Fargo told me that there was not explanation and that an explanation was not warranted, in other words, the XXXX with giving a reason, just take what the decision that is being dealt to you.. I would love to have an attorney who could help my family, I wish we could have a company that is about the homeowner, and not the mortgage company, A good friend once said, " Good luck with that " So here we are!!!!!!!!!!!!!!!!!!!!!!!! Whats next??????????????? From an underpaid educator, with high end interest, with a crooked mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation