BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: TX
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:
XX/XX/XXXX, I filed a voluntary Chapter XXXX bankruptcy Petition when I was unable to sell my XXXX XXXX house XXXX. At the time of my petition, I owed {$63000.00} in consolidated student loans to XXXX. XXXX placed me in forbearance during my XXXX XXXX XXXX and instructed me not to make any payments. XXXX later transferred my loans to Navient XX/XX/XXXX. Upon completion of my Chapter XXXX plan and bankruptcy discharge, I contacted Navient to resume payments only to find that Navient had added {$32000.00} in interest to my loans and the total amount owed is {$92000.00}. I lost my job XX/XX/XXXX and received an income-based repayment plan. I was not told that interest would be added to my loans or that I would end up owing 50 % more than I owed when the forbearance began.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Experian Information Solutions Inc.
State: MA
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:
I have filed several disputes regarding this account being on my credit report which is hurting my credibility and hurting my ability to obtain credit, Experian has not only failed to respond but blatantly ignored my complaint which has also disregarded the laws to my consumer rights. 

I asked them to validate the validity of this account being 30 days late XX/XX/2019, also sent them a method of verification once there E-oscar system has kicked back and auto response of update to my complaint which I didn't ask for and update. They are housing misleading persona identifiers on my report as well merging my file with others and compromising my profile. 

This account is bein reported late with Experian and XXXX  but on time with XXXX the creditor has sent proof that I am up to date and not late screen shot of error below XXXX  XXXX  Account # : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
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 new customer with navient and have applied for consolidation of my student loans, as well as help with my payments lowered ... .I am not seeing any help with them telling me that they could assist me with lowering payments ... I am a single mother of XXXX just getting out of default..please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: CITIBANK, N.A.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I received an unsolicited letter from a local One Main Financial office. Their requirements are not clear/not conspicuous and the letter itself was very misleading. In addition, the letter flat out lied about me having excellent credit when my credit is just fair to average at best. Further, the misleading mail solicitation implied my credit had been reviewed/screened and also implied that to get a personal loan, that all I had to do was bring in the " Pre-selected Certificate. '' I am certain XXXX if not XXXX of other people are being misled by this company 's solicitations and " marketing. " When calling the company prior to applying, they are evasive and refuse to directly answer the question of if there is any credit score they will not accept. They instead repeatedly tell you to apply online or in their office. 

I am very upset that I was misled by this letter, took my time to go to their office where I received poor customer service, they acted as if they were happy to be alone and a bit irritated that a customer had walked in and then declined receiving a hit to my credit score which had just recently been boosted a bit by diligent efforts to improve it. Because I met the basic requirements of income above {$20000.00}, proof of ID and no BK filings and because I had the " Pre-Selected Certificate '' I thought I would be approved. That is truly how easy their misleading solicitation makes it appear. 

As far as their lackluster customer service, the person who " helped '' me then proceeded to collect personal information about me seemingly in an attempt to get me out the door faster, there were no pleasantries or even a pleasant attitude. It truly made me feel as if perhaps she determined that I was not eligible and was just quickly going through the motions even before she had all my information. 

The letter is extremely misleading, even when I called the branch manager listed on the letter she said that they do not view or pull your credit despite having a letter in my hands that referred to my " excellent credit. '' I told both the branch manager and the person who personally took my application that I am very upset that I was misled and that their company is casting a wide net, ensnaring many who they refuse to help and actually harming credit-wise in their misleading attempts to get more business. 

Neither of the XXXX, including the branch manager offer any resolution. The branch manager only said she can take my complaint, that is not resolution and makes me believe this is how this company gets it 's customers ... by misleading a significant number to get a smaller number they truly want. This company needs to have swift action taken against them for misleading people through their unsolicited solicitations and marketing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XX/XX/2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points!XX/XX/XXXX did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.

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 2015-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX we had fallen XXXX months past due with our mortgage. BOA said we are here to help you. While all along they have been giving us the run around and trying to foreclose on our home. They would not take any more payments even though we were only behind on XXXX payments at the time and suggested that we get a lawyer because they were not going to take any less than what was owed. We have been trying to work with them on a loan modification from XX/XX/XXXX till XX/XX/XXXX. We have been tossed around from multiple customer relationship managers. Some in which were very rude and ignorant and would not keep us up to date as to what was going on with our case or even return our call. At one point in our case they said that there was a code put on our account and that they could give us any information. However we are the ones that have the mortgage with them. They had supposedly qualified us for a special forbearance program however neglected to tell us the details of the forbearance and kept sharing our information on our account with a lawyer that we had fired months ago. Now they keep saying we do n't qualify for anything because we never signed and sent the special forbearance in. Well I guess not when they never contacted us with the details while all along communicating with the wrong lawyer. And not speaking the correct lawyer. Now they are forcing us out of our home because they refuse to work with us. The government has programs put in place for people that need help. And from every law firm that we have talked to we qualify for something because we have suffered threw a hardship. This has put a tremendous strain and suffering on our family. Bank Of America says they are here to help while all along they give you the run around and force you out of your home instead of working with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Navient Solutions, LLC.
State: MO
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:
On XXXX XXXX, 2015, I was informed by the CFPB " The company was unable to respond to my complaint because of pending litigation about the same issues raised in the complaint. No further action will be taken on the complaint. '' At this time I am submitting a new complaint to reassert the issue presented in complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There is a foreclosure sale scheduled for a loan held by Wells Fargo Home Mortgage. My company owns the property in California which is collateral for the deed of trust. On XXXX XXXX, 2016, I contacted WFHM and requested reinstatement figures per CA Civil Code section XXXX, we are an " entitled party '' by being a successor trustor through foreclosure. The fax documents were sent to WFHM per instructions received from a representative and subsequent calls have been made as well to no avail. 
XXXX XXXX 2016 - Call to XXXX # XXXX he informed me the fax had not been processed yet. and to call back. 
XXXX XXXX 2016 - Called again spoke with XXXX # XXXX - She told me processing time could be two weeks and to try back again. 
XXXX XXXX 2016 - Called again, spoke with XXXX XXXX # XXXX, he said to try back on Friday XXXX XXXX to see if the request was processed. 
XXXX XXXX 2016 - Called again and asked about the reinstatement numbers to stop the foreclosure sale. Spoke with XXXX in BK dept. She said she did n't see the fax was ever received and gave me # XXXX to re-send it to. I did. 
XXXX XXXX 2016, Called spoke with XXXX in collection dept. She said the fax was received and had not been processed by any dept. I thanked her and asked her to let me know who could look at the package and issue figures to stop the foreclosure. She did n't know who could do the processing. 
This leads me to this website to file a formal complaint against WFHM for not issuing reinstatement figures against CA Civil code. We are a successor in interest to this deed of trust and I demand a viable method of reinstating the mortgage which encumbers the Real Property lawfully owned by my employer in California. Please help. 

Loan # XXXX Property : XXXX XXXX XXXX XXXX XXXX CA XXXX Borrower : XXXX XXXX XXXX XXXX . 
Last XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We pay our margage to Wells Fargo every month ' it is not showing up in out depts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Obtained a car loan with GAP insurance from Wells Fargo in XXXX XXXX, XXXX. The car was involved in an accident and there was a total loss date of XXXX XXXX, XXXX. Prior to this date the account was NEVER late and paid on or prior to the due date. There was also GAP coverage through XXXX ( XXXX ) on this loan with Wells Fargo. During the wait for reconciliation of the loan balance payoff from XXXX XXXX and XXXX ; I made calls EACH month to inquire if a payment should be made on this account during this time because the account was showing " past due '' and late fees were applied. I was told " NO '' each time because the insurance companies had to make final payment. Each month the account was showing past due I called the company and was assured that the account was NOT being reported to the credit bureaus as such. XXXX paid out on XXXX XXXX, XXXX and the GAP insurance was finally processed on XXXX XXXX, XXXX but not applied until XXXX/XXXX/XXXX. This left a balance on the account, after adjustments of XXXX and a loan was obtained through Wells Fargo to pay the this loan balance in XXXX installments. 
Per several conversations with customer service and the office of the president ; I was told that the reason the account was showing at the credit bureaus as being severely late is because the GAP was terminated XXXX/XXXX/XXXX. This does not add up at all. Per my call to XXXX ( Gap insurance ) I was told that the coverage was terminated after the final adjudication of the claim via a letter dated XXXX/XXXX/XXXX. The GAP coverage was terminated after this because the loan was considered closed NOT in advance as was stated by Wells Fargo. 
My calls to Wells Fargo Dealer Services are rerouted and not being handled. I was told to fax information to the Credit Dispute department so they can review the issue but nothing has been done to date.

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 2016-09-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account at a local wells Fargo Bank, and yes I am a victim. 
The bank account I was told had to ave a savings account attached but it would not be debited unless I overdrafted or failed to have XXXX withdrawals from checking in a calendar month.Then through stupidity I bought something on a pop up and although my account also said nothing would be taken from that saving account to cover the overdraft and there would be no fee for being overlimit on my account if it was under {$5.00} they took it from my account and although the vendor gve me a credit the money was never put back in my account then they started taking money from the account for fees, an account I did n't want in the first place. then they told me that unless I added more money to my account it would be closed. Then that money was suddenly gone, the day after XXXX was put in. The documents attached to my statements disappeared. Then the statements disappeared and they were supposed to be there for 7 years. I called the number on the back of their card and they told me the money had been taken to cover an overdraft on a previous account which was totally wrong and she was supposed to have a copy of that pre vious account e-mailed to me and the line went dead. Nothing was ever e-mailed to me and I have no idea what they are talking about since when I left their bank previously to go to XXXX XXXX it was because they had without notice closed my fiances account and left him with no way to get his social security check, Guess they get their money any way they can. I was very irritated at the girl I was talking to on the phone and said no wonder you are always in trouble with the fdic, and she said they weren'tI I told her two weeks ago that I was going to make a complaint, and within a day or two we heard the news about firing XXXX employees at wells fargo and they were being fined a very large amount. 
I told the lady when I opened the account that My income was very low and could not afford to lose any to fees. She said it would be taken care of within a month they were taking money from my savings, All of the problems below were part of the problem, they would freeze my debit card because I spent more than the alert I set up and they sent me an e-mail that did n't say I had to respond, so I 'd be out for lunch with no way to pay for it. That happened twice on this account and at least once on the last one

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 2015-03-24
Company: Integrated Recovery Services
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a call from a woman stating that they have a " pending claim '' against my XXXX checking account ; some sort of " bad checking ''. No name of the lender or anything is given. She states that I have some charges pending against me as to what they do not give. These people have called my dad as well as my sister under the business name of Integrated Services at XXXX. I looked up this number on another web source and other consumers have had the same issues with these people ; they harass, can be rude, and have multiple numbers in which they have used. I believe they are attempting to fraudulently collect monies from me and/or my bank through old payday loan information they obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out a payday loan with a company called CashNetUSA in XXXX. There address is XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX. There telephone number is XXXX. This is an online lender. 
During the time I took the loan, I had changed employment which has now affected my income and paydates. I am paid XXXX monthly. When I realized that I would not be able to pay the high interest to extend the loan for another XXXX weeks I emailed the company explaining my situation to and asked them to change the due date that I would be able to meet. The notification went nowhere with them and they have debited my checking account twice adding insufficient fees to my account. 
They have called me and they just do n't listen. I have every in tention of paying them back but will never do business with this firm again.In my opinion these payday loans should be illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In my recent review of my credit report in XXXX XXXX, 2016. I see that Phoenix Financial Services reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understnading of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing this accounts immediately. 

Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX A XXXX, IN XXXX acct # XXXX I have disputed this unknown medical accounts with the Collection Agency and they provided me witt medical summary charges, they violated HIPAA law. I have proof of it you need me to provide it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview Loan Servicing charge extra interest including unsubstantiated fees to payoff loan when loan was re-financed to XXXX XXXX. 

The principal outstanding was : {$300000.00}, however interest of {$2300.00} was added on although this interest only loan 's monthly payment was already made and some additional charge ( fee ) of {$660.00} was added in. I received a check from Bayview for only {$350.00} leaving {$2700.00} to still be refunded. I contacted Bayview several times starting on XXXX/XXXX/2016 but have received no response. 

From the attached payoff letter sent from Bayview to XXXX, you can see they have added in interest again on the loan ( {$2300.00} which the calculation does n't even add up ) of which this interest was already paid ( The refinance closed on XXXX/XXXX/2016 ) You can also see that there is a {$660.00} amount added on which violates the mortgage agreement as there is no condition that occurred that should have imposed such a fee.

Company response to consumer: Closed with explanation