BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In case # XXXX on XXXX/XXXX/2016, Wells Fargo stated they would have the account canceled in 2-3 weeks. They have not canceled the account as of XX/XX/XXXX and are unwilling to provide a date for when this will be resolved and have stated they will continue to send me bills demanding money for a loan they never funded, was canceled, and are aware was canceled. 

At this time, they 've violated the Right to Cancel time frame and their previous written understanding based on the previous complaint. They have been told I 'll only respond to things in writing as they have to refused to provide me with any information I can verify independently over the phone. 

Similarly, based on my call to XXXX, their statements that they are speaking with them to " resolve '' the issue appears to be incorrect as I was told there was no cancellation process underway by XXXX and the " contact name '' they gave me does not return my attempts to contact him. 

& gt ; The account was noted on XXXX XXXX, 2016, that the cancellation request had been received. We confirmed that the account cancellation is being processed and that can take two to three weeks. Once the account is cancelled that information will be forwarded to the county to have the lien released

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 2016-05-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I Received a current escrow analysis 2 days ago from Wells Fargo Bank. It showed that my projected and actual insurance premium was {$360.00} annually from XXXX XXXX, XXXX to XXXX of XXXX. The truth was that XXXX had sent Wells Fargo Home Mortgage a Notice of premium increase to {$390.00} on XXXX XXXX, XXXX, which was processed & Wells Fargo who issued XXXX a batch check confiming on XXXX XXXX, XXXX notice and receipt of payment from XXXX was completely ignored by Wells Fargo XXXX and they chose to continue to use the old XXXX premium amount, {$360.00}, through all of XXXX and through XXXX of XXXX. Wells Fargo made a mistake and XXXX different agents even argued with me saying they had not been informed of the premium increase in XXXX. Wells Fargo.needs to be responsible and pay what is owed, not me. According to XXXX I am paid up and owe nothing more for the next year. I am confident that during the past 15 years or more I have paid money to compensate for Wells Fargo Home Mortgage 's errors or intentional negligence. I am a XXXX and I wish to sue them, for non compliance and straight out lying and blaming others for their own neglect and sending out incorrect information. I want to be compensated for all of the time I have spent attempting to get to the bottom of the mess and of course we know who was found at the bottom, no one but Fargo Home Mortgage, They take advantage of their own employees with low pay and high demands and they view poor people and working Americans as walking dollars which they can easily collect more money from daily for just about any reason, whether true or false, I will add the files from XXXX showing their premium notifications to Wells Fargo when I receive them next week, .Thank you. XXXX XXXX XXXX. 

XXXX 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 2016-03-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX XXXX I began receving installments invoices from Wells Fargo Dealer Services with varied payments amounts sometimes twice per month, not consistent with my normal monthly payment of {$310.00}. I did not panic but continued to make payments as stated on the monthly invoice as listed below : XXXX {$150.00}, XXXX {$130.00}, XXXX {$270.00}, XXXX {$100.00}, XXXX {$270.00}, XXXX {$230.00} and XXXX {$180.00} ( my last payment ). To my surprise, in late XXXX I received a letter from WDS stating that my account was charged off and is in collections. Now mind you, I never got a call to inform me ( like most reasonaly business would do ) of this issue over the course of XXXX. So, I called WDS and was told I must pay them {$3000.00} plus dollars to bring my account current. They said they are not culpable for any mistakes made, invoice are mailed as a courtesy and I should have continued to pay my installment of {$310.00}, not what the invoice stated. They concluded that I am 358 days past due despite my payment history listed above and I pretty much brought this on myself, therefore they are not culpable. What casued the problem? In XXXX the began posting another customer payments to my account and still continue to do so. I received an invoice in XXXX, XXXX stating that my balance is {$440.00} and a payment of {$180.00} is due, which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been having problems with Navient Private Student Loans. Every time I contact them to provide me with information and help I am told one thing by one person. I call back to speak with that same person and I have their extensions and id numbers but I am always transferred to someone new and they say that I am unable to speak with the previous person. I have been told several things about lowering my bill all have been different from the last. I am unable to pay the insane monthly payment of {$1300.00} they said they could lower to just interest payments at {$1000.00} something. I was told they could even lower that but I would have to wait until my bill is 1 day past due or more so I would be in default then they could lower my payments. I asked if they could just do it now and the last XXXX people have told me that I have to skip a payment in order to do that. The first person said I could lower it to only {$700.00} a month for the first 12 months which would help out the most but now they are saying not guarantees and that I can not even be assessed for that until I am past due. They are charging extremely high interest rate ( 12-14 % ) and I do not even remember agreeing to those high of terms. Something seems very off about the whole thing and process they are taking. I talked to them about doing a debt settlement because i had contacted a law firm, XXXX XXXX, and the debt settlement payments would only be {$1000.00} a month so way lower than Navient. All of my loans were done through XXXX XXXX and now it says Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Basically I started an account with bank of America because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Navient Solutions, LLC.
State: FL
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 have Federal and Private loan on Navient. On XX/XX/XXXX I called Navient to get the automatic withdraw from my account on my private loan, then i received a letter that the automatic payment was cancelled, they add the wrong account and they did the automatic payment and of course payment was reversal. On the web site appear to pay only XXXX dollars ( all intrest nothing principal ) when my total monthly payment is XXXX, after serveral calls they told me that eveything is correct and i do not have any payment reveral and that i do not have any automatic payment. When i call customer services they told me that i have to pay XXXX for prvate loans but when call private loan department they told that i hav to pay XXXX. After several calls they told me that they will call me to verify my account and has past 2 weeks and i still waiting. Today XXXX/XXXX/XXXX i call and they told me that i have to wait. My due date to pay the loans is XX/XX/XXXX and i dont even know how much do i have to pay. I am worry about the payment reserval that could affect my credit, but as per navient I do not have any payment reversal or any late payment. Information on the web site is really innacurate with the information via phone. Fo a mistake of Navient employee of putting the wrong accunt number my loans and my payment are not correct. I have been paying this loans for years andi want this nightmare to end as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal has notified me that an item that has been on XXXX for over 3 years finally sold. 

Now paypal will not allow access to my account ( which I have not used in over 3 years ) I want my XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have had a reoccurring issue with Navient. Started about a year ago when I suddenly started receiving a bill. I called to check on the bill and was told the bill did not need to be paid because my co-signer was filing for bankruptcy. When asked why I had not received notification of what was going on, I was told by law they did n't have to reveal anything. This all happened while the loan was building interest. I started to pay my bill and got the inflated bill caught up. Around XXXX 2015, no bill came. This continued for about 3 months. I finally was able to log into my account and found out my bill was 3 months past due. I called Navient on XXXX XXXX, 2015 to discuss the issue. They validated my mailing address and phone number. When asked why bills stops, they stated the bills were always coming and the issue was with the Postal service. When further asked why I had not received phone calls regarding late billing, the response was that the phone number was not validated. My current address has not changed in almost 5 years and current phone number has not changed in over XXXX. I spoke with a regular employee and manager. I was badged by the manager who stated, " you know when the bill comes, just pay it. '' When continuously stating that I have not received anything regarding a bill by phone nor mail, the issue was never with the company. I asked if there was a way to correct the issue and get the late fees and penalties removed and was told no. Since this conversation, I have checked with the Postal service. Their statement was, " why would delivery every piece of mail except XXXX? '' The employee is willing to write me a formal letter stating that they have delivered all mail. Also since my conversation with Navient, I now am receiving my bill that had quit coming for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America, : I had a mortgage account of {$56000.00} established in XXXX. In the year XXXX I refinanced my mortgage with another bank in order to obtain some of my equity for medical reasons. During those XXXX years, I was late on paying my mortgage in XXXX instances : that was on XXXX XXXX. I paid a late fee to the bank the next time I paid my mortgage. I do not believe that XXXX episode need be labeled as a negative connotation. There service to me contained many withdraws negligently and without reason taken out of my account then " corrected '' and put back after my correcting the bank in their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Consumer Financial Protection Bureau assisted me with complaint Transaction ID : XXXX back in 2013 due to Bank of America not cooperating with a re-finance request. 
I am now writing due to the fact that after the completion of my divorce the house was awarded to me and is current. After the divorce I had to file bankruptcy due to bills that were accumulated by my ex-wife and she was not required to pay them back due to full XXXX. My complaint with Bank of America is that they will not discuss allowing me to refinance or take advantage of any of the HARP programs because the loan is privately held. Per court order I am required to refinance and remove XXXX XXXX from the title. BofA did allow me to submit an Assumption ( Request Consent to Add/Remove Family Member from Deed/Title ( approved per BofA ). I need assistance pursuing my need to re-finance my home as this is very stressful to be stuck in a situation where I am paying my mortgage and feel vulnerable to the bank.

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 2016-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
Because my previous interaction with Bank of America had not resulted in my account being closed, or my interest rate being lowered, I decided to attempt to use the card today. It was again declined. I checked my account on the web and it had again flagged transactions to places I had previously used the card, as fraudulent. I verified they were my charges, and the website said that the card was fine and usable. I tried again and it was declined. To recap my previous complaint, I am XXXX and do not use a voice telephone or XXXX. I again informed BoA of this via chat. Once again, I was told via chat that I needed to use the telephone. Once again, I had to escalate to a supervisor. The supervisor reiterated that I must use the telephone in order to find out why my card was declined. When I again said I do not use a voice telephone due to XXXX, he asked me why. Of course, this is protected health information. I requested the account be closed, and the supervisor closed the account. This, despite my wasting hours of my time the day before, attempting to close the account, and told that I could not do so via chat. 

Bank of America 's discrimination against the XXXX is blatant and harmful. I wasted several hours of my time because they refused to provide the same services to me in anywhere close to the same timeframe as they would provide to a non-disabled person. The first supervisor claimed it was not possible. The second supervisor the next day completed the task that the first supervisor asserted adamantly that I needed to use a voice telephone to complete. 

Had I not persisted, I would still be having the same difficulty. As this is going to Bank of America, I have a message for them : DO NOT CALL ME! I have a cell phone ONLY for emergencies, as it causes me physical pain to answer and converse on a telephone. You have been told this on MANY occasions, yet you called me once yesterday, and once today. STOP!

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 2016-09-30
Company: Navient Solutions, LLC.
State: NC
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:
Navient failed to notify me twice about renewing my repayment plan. I got a notice on XX/XX/2016 through email saying that I have a new document to be viewed. This email did not specify what kind of document it was. 3 months later on XX/XX/2016 I saw that my interest was capitalized and it was way overdue to renew my repayment plan I was able to submit my renewal for a resumption of my income based repayment, but Navient refused to removed the capitalized interest even technically I have not changed my plan. In addition, Navient failed to notify me twice, as required by Department of Education, to renew my plan. I hope that CFPB can help me with this situation as Navient entices customers to have email notices as a form of communication, but fails to provide what information the notice it contains ( most of the communication are the payments and monthly bill ). It is a setup for consumers to miss important notices such as renewal of their repayment plan. In addition, Navient failed to notify me twice about renewal of my repayment plan. The Department of Education requires loan servicers to notify borrowers twice about renewing their plan. I only received one notice about this and it was solely missed because of the above situation. Finally, Navient is a company whose sole drive is to make money for its stockholders and I believe that they are finding loopholes in the current system to increase payments by borrowers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: TENET HEALTHCARE CORPORATION
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to my credit report, I have a paid account opened under Central Financial Control. This account was paid and is listed as, " PAID COLLECTION '', but says it will not be removed until XX/XX/2020. This account was paid and needs to be removed completely from my credit report. The collection agency has failed to remove this paid account and it is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: SC
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:
Navient ignored my complaints when asking for documentation in reference to payments that I had made. They also made it impossible when trying to apply for a forbearance, when I fell on hard times and could no longer make my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
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 reached an agreement with NAVIENT and madepayment arrangements. I have FULLY compliedand paid as agreed for many years now. However, they continue to report me as making late payments. 
This is negatively affecting my credit. Because I ampunctually paying as agreed, I believe I should NOTbe reported NEGATIVELY on my credit reports. 
My school was XXXX XXXX University XXXX. XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
BANK OF AMERICA XXXX - The balance on this account should be reporting as ZERO! On my credit file, they are reporting inaccurate information regards to this account. I 've attached proof of the Cancellation of Debt as well as my tax filing paperwork. I 've sent demand letters to Bank of America and have yet to receive any response. This error is preventing me from getting the credit I deserve. Correct the error immediately or delete this account off my credit file!!

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 2016-05-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient is my private loan provider. I returned to school in XX/XX/XXXX to pursue a XXXX degree while quitting my job. While I was able to defer payments on my private loan while in school, I quickly lost any kind of protection once I completed my degree XX/XX/XXXX. I have been going through a protracted interviewing process with a handful of opportunities in the public and private sector and have otherwise been struggling while working as a consultant. My earnings for XXXX were low enough to allow me to qualify for Medicaid, but this does not factor into my dealings with Navient. Despite having extremely limited capacity to make payments on my loans, I am being repeatedly told that I have regular payments. It is distressing to know that I have protections afforded to me with my public loans, but that I have no such protections when dealing with Navient. Compounding this issue is the lack of knowledge I had when taking out this private loan when I was XXXX ; had I known of the lack of protections and repayment flexibility, I would not have pursued this loan option. 

I am asking for help because the risk of being taken to court and defaulting on a loan would cause significant hardship for me. I have every intention of restarting payments upon achieving employment, but Navient is not interested in extending any significant protections to me as an account holder. I find it perplexing that there are little protections in place for people who earn below the federal poverty level.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Bank Of America since 2010, first trying to get a XXXX Loan Modification for my mortgage, then, most recently, trying to complete a Short Sale. I was denied a XXXX Loan Modification because the Bank claimed that my so-called " Back End Debt to Income Ratio '' was over 55 %. This was patently false, and I calculated that Ratio to be 32.01 %, well under the 55 % threshold. But the Bank would n't listen. Years later, they insisted that I now do a Short Sale on my house. Well, I have a buyer, and BOA accepted the buyer 's bid, but now XXXX is blocking the Short Sale, insisting on full foreclosure proceedings. XXXX Case Number 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