BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-21
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted the Original Creditor, XXXX XXXX Hospital in XXXX 2016. I spoke to XXXX. He told me that according to his records all of my bills with them are paid and I have no outstanding bills. I then contacted the collection agency, Central Financial Control, and spoke to XXXX. He was unable to locate my account. I would like this removed from my credit report. I do not have any outstanding bills with XXXX and have had this verified. I do no know what this is yet it still remains on my credit. The Credit Bureaus tell me that Central Financial Control is reporting that there is in fact an outstanding bill, yet their representative is unable to locate it when we call.

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2012 a line of credit was opened in my name and within several days I received a Wells Fargo " Platinum Card '' credit card in the mail with a line of credit shown to be {$5000.00}. I did not formally ( nor informally ) request an application for this card or apply for it. However, I did receive a " cold '', unsolicited phone call from a Wells Fargo Representative either on, or several days before XXXX XXXX, 2012 during a time which I was at work. I answered the phone because it was a number I did not recognize, and explained to the representative that it was during the work day and therefore not a convenient time for me to talk. The Wells Fargo representative asked if he could " send me some information ''. I told him that would be fine, and hung up the phone. Several days later I received a physical credit card in the mail with additional information about my new " account '' which as I mentioned I had not applied for. I also noticed the new credit account show up as a new line item in my online banking interface, alongside my other Wells Fargo accounts ( at the time, only XXXX debit account and a savings account corresponding with the debit/checking account ). After receiving the physical credit card in the mail, it sat idle and I did not activate it until XXXX XXXX, 2012 ( due solely to the fact that I was planning an trip abroad later that month, and felt it would be helpful to have a line of credit to fall back on should any emergencies arise ) -- This credit card I received from Wells Fargo was my first generic " credit card '', and prior to then my only credit card accounts were XXXX and XXXX XXXX branded cards, and an XXXX XXXX XXXX XXXX XXXX ( no line of credit, just a charge card ). All of that said, I have used the card since having activated it, but have always felt unsettled by the fact that I never requested it, and frankly was entirely baffled as to how this could have happened. After hearing about the recent allegations yesterday on the news outlining circumstances which sounded very similar, I wanted to share my story. At the very least, I take solace in knowing my experience was not an isolated issue. I plan to look into this further and obtain any other pertinent details ( for example, who exactly called me and why this occurred ). I would greatly appreciate any further clarification, potential resolution, or to be pointed in the direction of someone designated to assist with this particular situation. I am a resident of New Jersey, so if there are state resources I can contact I am happy to get in touch.

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 2016-09-21
Company: 360 MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was paid in XXXX XX/XX/2016. I was due an escrow refund of over {$2100.00} no later than XX/XX/2016. It has not arrived as of XX/XX/XXXX. I am told it was mailed on XX/XX/2016, but with no XXXX tracking. I am extremely frustrated that nothing would be done to provide my own money back to me without it taking another 7-10 days. I demanded ACH back to my account, but they refused. It is unfair, sloppy, and I highly resent the nonchalant, cavalier responses I received when I was told that nothing else can be done but " wait some more. '' The RESPA law states that it SHALL be refunded in 30 days, and I want them held to that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
When Navient bought my loans from XXXX XXXX, my interest rate more than doubled. They would n't work with me on monthly payments that had more than doubled when they took over my loans. I 've paid thousands in penalties and interest that I feel I should not have been forced to pay. 
My loans have been paid in full for almost a year. I still receive daily phone calls, multiple times a day, from their creditors threatening me unless I pay my balance. I have told them repeatedly that my loans were paid in full. They still call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been repaying my student loans since 2010 under either XXXX or Navient. I have had serious issued trying to remove my cosigner from XXXX of my XXXX loans I have with them. I 've submitted all the necessary documents and have paid on-time for over a year, which is the requirement, and they still wo n't release my cosigner. I 'm really unsure what other measures need to be taken to release her. If credit plays a role, I have bad credit because I have so many loans. It 's never ending. Navient is not helpful, and trying to reach them via phone is a nightmare. They do n't really care to help. I 'm not sure what joy they get out of being so rude to their customers, but I guess they can since we 're all stuck and have no choice in the matter! I 've also received emails saying there was a change in my due date - then when I pay on that date, I am told it 's late and that nothing ever changed. Must be using a bad direct email tool or something!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Monterey Financial Services LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
When I spoke to agent on phone and told them I did n't have a job they said well that 's my problem and now they are going toctake legal actions against me. They wo n't stop calling my cell phone and refuse to stop harassing me. They have been calling even my mothers cell phone and work phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The above company placed two collection accounts on my credit reports with all XXXX reporting agencies. They allege that I owe them {$6600.00} for one account, and {$4400.00} on another account. I never opened an account with Cavalry, and I do not believe they have a right to damage my credit rating by placing new accounts on my credit reports. Both accounts were added to my credit report in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I leased with XXXX on XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and provided them a 60 day notice to vacate due to inhabitable conditions. The XXXX XXXX forwarded a balance to US Collections West ( an Agency ) and US Collections West did not forward any letters or make an attempt to contact me regarding this debt. I was not given my opportunity to dispute nor was I aware of any balance owed. I noticed on the court documents that they had an address that I am not familiar with or have ever lived nor do I know of anyone living there. My mail was forwarded from my old residence to my new and I provided the management company with the new residence. I have also made multiple attempts to contact their attorney through my attorney and they have terminated the calls, very unprofessional! Many of the charges are not valid therefor a portion would have been disputed. I noticed that US Collections West has many violations regarding this issue and many others and their tactics are illegal and immoral. Please help me, I am stressed and sick to my stomach regarding their tactics and business practices. I am employed at the same place since my rental application and not hard to find at all by anyone. They have also placed this information on my credit report without giving me the opportunity to dispute the original creditor balance which violates my rights as a consumer to fair treatment. Please help resolve this issue. Their attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX and US Collections West is XXXX XXXX XXXX XXXX, Az XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was informed that I had a bank account opened in my name in XXXX, California since XXXX. I could'nt get any information from Wells Fargo outside of confirming that I 've been having this account and they allowed me to open another account. Checking and Savings in XXXX in XXXX. I called Wells Fargo to get information regarding to my other account to no avail. I was told it is a substantial amount. I just want information regarding the funds that mysteriously came up missing and was never returned from a Mortgage company.

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 2016-11-22
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 stated I misused there account. There is no proof of that I was still trying to get my balance caught up and simply fell on hard times. Now that I am back on my feet due to lack of respect and discrimination I can not get a bank account. I would like proof of the alleged allegations. I never intended for the bank account to get closed my fianc a the time tried to send money to account and to no prevail succeeded. I tried to open a new account with regions only to find out Bank of America contacted early warning signs to put a alert out for me. I feel like I was profiled discriminated against and never was warren about the account being closed

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 2016-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2003 I took out a Home Equity loan on my residence through XXXX Bank XXXX XXXX for approximately XXXX. A short time later in 2003 I also refinanced my residence mortgage with XXXX Bank XXXX XXXX for approximately XXXX. The loans were absorbed at some point by Bank of America where I had been paying on regularly until up until about a year ago. 

At that time I went through a divorced and my income level was reduced. I have had trouble paying on the loan for XXXX and the loan was handed of to XXXX XXXX. During my discussion with XXXX representatives about what was my first ( primary ) mortgage and what was the second ( equity ) I discovered that Bank of America had reversed them. I have since been in contact with the Mortgage Department at Bank of America who do not seem to understand that the mistake has been made. 

I have since spoken to a Bank of America manager who advised me that it did n't matter what was the first or second mortgage. That same manager stated upon speaking to the Mortgage Department they reaffirmed that the equity loan had been turned over to XXXX and was being treated as the primary mortgage. 

The primary mortgage on my residence has always been the lower of the XXXX loans. Contrary to what Bank of America personnel are saying it does matter which loan is considered the primary mortgage on the property. The reasons are many and especially given that XXXX was turned over to another lender and I am working to secure a refinancing program through them.

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 2022-11-04
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I didnt finalize a used car loan never got the car yet the loan shows on my report as a closed XXXX XXXX old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good day and thank you for resolving my last issue with Wells Fargo Bank. Yesterday I went at the Wells Fargo Bank with a copy of my letter of verification for dated XXXX XXXX 2015 for an updated letter for the last six months which ended in XXXX, 2015 and was very unsuccessful. I call the toll free number and spoke to a representative and her supervisor XXXX XXXX and was unsuccessful. I need this verification letter for a XXXX waiver program to be submitted by XXXX/XXXX/2015. Please assist ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Dear Board : In XXXX a series of emails ( XXXX ) went between my email and XXXX XXXX, an investment company in XXXX, requesting a distribution of {$35000.00} from my retirement account. I never initiated these emails nor were they visible in my email program. XXXX distributed the money by wire to a fraudulent account in a XXXX Wells Fargo account. This account was set up with my information but another name on the account, unrelated to me. I was made aware of this when I received a letter from XXXX acknowledging the distribution. I emailed, then called immediately denying that I had requested this payout. XXXX was made aware of the error/theft and I immediately went to our local Wells Fargo bank with the police. A search warrant was issued and the money/wire transfer was traced. 
XXXX, Wells Fargo, and XXXX have fraud teams working on this and to date I have all but {$4000.00} back in my account. However, several regulations were broken. XXXX is obligated to confirm by phone that I had requested this. They did not. The hacking of the email appears to be from their end, not mine, per the forensic IT department that I hired. Wells Fargo did not do their due diligence in setting up the fraudulent account. How can an account be set up with my credentials in XXXX in XXXX? Then they accepted a wire transfer with my name on it into an account with someone else 's name on it. Our local police say it is out of their jurisdiction now since it crossed state lines. So who is tracking the criminal? 
No one has assured me that I will recover all my money. No one is taking responsibility at being at fault. But both companies did not follow regulations and rules. They need to be held accountable.

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 2015-07-02
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My SSN was stolen and used to open numerous credit accounts. Among them was a XXXX wireless account. When I discovered this, I immediately called XXXX asking them what I needed to do to close the account and file a fraud claim. I followed their directions and submitted the requested paperwork including the police report, customer receipt and proof of address. they determined that it was not fraud and have been attempting to collect on this bill. They have since sent it to a collection agency and I am getting calls everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: CNG FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX of XXXX called & threatened my niece, XXXX, a college student. A woman claiming to be XXXX left a message concerning a loan my niece had taken under misrepresentation from Check & Go. She said if my niece did not pay back the loan, with its accelerating interest fees, " I WILL be stopping by your residence or place of employment to issue you a certified notice of intent regarding legal action on this claim. '' This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I feel that they were steered into forbearance for the first two years of loan. Then I apply for an income-driven repayment plan and I have been paying now for 5 years and loan has n't gone down at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Navient Solutions, LLC.
State: CA
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:
On Sunday, XX/XX/2017, I attempted to make my monthly loan payment online ( through navient.com ) with additional funds ( more than the amount due ) allocated to a specific loan. However, the Navient website does not allow users to allocate extra money to a specific loan. Instead, Navient allocates the extra funds across all of the loans, by default. The only way to allocate additional funds to a particular loan is to contact Navient Customer Service by telephone. 

This resulted in 2 issues : ( 1 ) I was unable to allocate additional funds to a particular loan through the website, and Navient 's Customer Service department is closed on the weekends. This resulted in my payment being 1 day late. 
( 2 ) I called Navient Customer Service on XX/XX/2017 to pay my bills and to allocate additional funds to a particular loan. The Customer Service representative indicated that the funds would be allocated accordingly, and she twice confirmed the specific loan number that would be receiving the additional funds. 

On XX/XX/2017, I checked my account online and found that, despite my explicit instructions to allocate additional funds to a particular loan, no money was applied at all toward that loan. Instead, Navient allocated the entire payment ( including the additional funds ) across all of my loans without applying any of the money toward the particular loan I had identified. 

The fact that I am unable to allocate payments through the website ( and instead am forced to call Customer Service ) is burdensome enough. This is further compounded by the fact that Customer Service is not always available to assist with this task. Finally, Navient 's Customer Service incorrectly allocated my most recent payment ; this requires immediate correction. Please note that I also sent an email regarding this issue to Navient 's Office of the Customer Advocate last night. As of this writing, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates purchased my debt from XXXX XXXX in the amount of {$300.00}. The amount that Portfolio Recovery Associates is charging me is {$450.00}. PRA and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with PRA they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently contacted Portfolio Recovery Associates to pay off a debt I had in collections. As I began to pay off the account in full. The supervisor got on the phone and said I had another debt with this company from 2005 from XXXX Bank and I should take care of it. I reluctantly paid {$350.00} to this comapny and later after looking over my credit report realized that this account was no longer on any of the credit reports because it was removed. I contacted Portfolio Recovery by email and phone and they said their was nothing they could do about it. I am aggravated that this company lied about this bill and they have my money. this is definitely unfair and I believe i should be refunded the amount of {$350.00} because this account I am no longer liable for.

Company response to consumer: Closed with explanation