BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
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 tried to put my loans into the income driven repayment plan before my payment XX/XX/XXXX. They never got back to me about approving it or me not getting approved for it. Instead they totally and completely ignored my request and kept billing me. I 'm up to about {$600.00} now for 2months payments and they keep harassing me through my email. I have n't heard anything from anyone except Your loans are past due and your account requires action. I 'm fed up with these people! It 's going to make me go into default and then be in bigger trouble or force me to go into forbearance which I do n't want to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I get from 5-15 calls within XXXX-XXXX calls back to back to back. Have stated I work from XXXX-XXXX and XXXX-XXXX. Have stated to bill me, and I am told no they will keep calling until I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have tried contacting Navient on XXXX occasions, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in order to discuss my loan repayment options and make a well-informed decision for my repayment plan. 

On XX/XX/XXXX, the woman I spoke with informed me that my first payment was due on XX/XX/XXXX and that I could not pick a repayment plan until XX/XX/XXXX. She instructed me to call back at the beginning of the year XX/XX/XXXX to discuss my options. I, mistakenly, did not obtain the Navient employee 's name or identification number ; however, this call occurred at XXXX and lasted for XXXX minutes. 

On XX/XX/XXXX, at XXXX, I had an eight-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my initial call. During this XX/XX/XXXX phone call, I was told that my payments would be {$500.00} per month and that my first payment was not due until XX/XX/XXXX. I inquired about options to lower these payments, as that is a substantial amount of my income. XXXX informed me that I could not discuss repayment options at that time and should call back in XX/XX/XXXX. He stated it was possible to do " interest only '' payments for " up to XXXX months, '' but that I could not initiate this option, or learn of other options, until XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX, I had a seven-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my second call. During this XX/XX/XXXX call, I was told that my repayments are " estimated '' at {$510.00} per month and that my first payment was due XXXX XXXX, XXXX. I inquired about my options to lower my payments and was told that the " system wo n't allow '' XXXX to see my repayment options and that I should call back between XX/XX/XXXX and XX/XX/XXXX to discuss repayment options. I expressed my concern that if I call at that point, I will be told further vague information or told that my payments are due and I should have called sooner. I asked what I should do if I am told that there are no options, to which she replied I would be referred to another department to discuss options ; again, a vague response. 

I am, appropriately so, concerned about the status of my loan repayments. I have tried calling on XXXX occasions and have been told different 'facts ' and 'instructions, ' but ultimately, have not been helped. I am trying to be proactive and have gotten nowhere. 

There is also contradictory information on my online account. For example, on XX/XX/XXXX, my account page stated that I was in a grace period for the next XXXX days and that my first payment was due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: General Motors Financial Company, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called on XX/XX/2016 at XXXX. Montana time, XXXX eastern time. 
XXXX Operator ID # XXXX was argumentive, refused to send a copy of the alleged judgement or garnishment. ID # XXXX implied that I have no rights to compel them to send any legal documents verifying that they have a valid judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to be proactive on my credit report since this is affecting my score heavily. I have a Secured Credit Card, and a previous College Credit Card with Wells Fargo. 

I closed my college credit card back in XX/XX/XXXX. I had that account deferred for payments since I was paying for college and could not maintain the payments. I communicated with Wells Fargo Card Services that I would not be able to make payments. I was told that my account would be noted and not assessed any late fees or notes on my account. 

According to XXXX and XXXX, and Wells Fargo Credit Card Services ; I have not had late payments as I communicated with WF that I was going through financial issues with paying for school. And I did not have any late payments. I have contacted Wells Fargo XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called requesting written information from them stating that I was not late on any payment. Of course the agents that were assisting did not fulfill their promise of reaching out back to me. 

For this I am contacting the CFPB, I am requesting that the XXXX day be removed from my account since it is affecting my score indefinitely. I would kindly ask this of you. Furthermore I am requesting the creditor, Wells Fargo, to remove any late fees or remove this account from my credit file. In addition, I am given pushback that they cant find my closed checking account and am rerouted at least XXXX times every call. It is frustrating and wasting both our times. Thank you.

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 2016-12-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I will be addressing Fraudulent Note XXXX and Fraudulent Note XXXX Federal Truth-In-Lending Disclosure Statement Tax/Insurance Payment Notice XXXX Addendum-No. XXXX to uniform Fraudulent Residential loan application The Borrower 's Certificate The Lender 's Certificate XXXX XXXX XXXX Wells Fargo Authorization to disburse the net proceeds from the re-finance of the premises according to the fraudulent ( XXXX ) Title Insurance for Title No : XXXX Notice of Owner 's Title Insurance The Lump Sum Disbursement Certification ( For Borrowers requesting at least 25 % of the Net Principle Limit as an INITIAL LUMP SUM DISBURSEMENT ) By signing below, the borrower ( s ) acknowledges they have been advised that the Federal Law prohibits using any portion of the Lump Sum disbursement of HECM Loan PROCEEDS for payments to or on behalf on an estate planning service, as that term is defined in Paragraph XXXX. XXXX APPLICATION STATES THE DISBURSEMENT WILL BE A LINE OF CREDIT.

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 2015-08-05
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Integrated Services, contacted me at my home and on my personal cell phone about a debt owed by a family member. After telling them to longer call me at these numbers and that I have no business with them, they continue to call. They are calling from XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: SECURITY FINANCE CORP
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They repeatedly call my cell phone and my place of employment i have asked them not to call my job and they keep calling i had told them i will pay them this payday and they say they need it before that i have tryed to work out a payment plan with them and they are persistent on getting the money when they say i have been unemployed and havent had the money to pay them and i am 100 % that i will pay this debt i just started working and am only getting paid 2 times a month and they know this i am afraid if they keep harassing me at work they will cause me to lose my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Well Fargo has been trying to collect on a past debt which 9 years old & purporting that I made arrangements for payments and have not promised nothing ( I am on Social Security ) Under FDCPA you can not garnish under state & federal law - Now calling with threats of suing and XXXX XXXX has said that court documents were filed in XXXX XXXX, CA - Which is a bare face lie XXXX XXXX is violating FDCPA and attempting to collect on a debt beyond statue of limitations 2007 - A letter was sent multiple times Cease & Desist - However ignored request. Wells Fargo refuses to stop calling - Want to sue!!

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 2016-01-13
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received two e-mails and a text message from cashnetusa.com saying their check was returned by my bank do to insufficient details. It was in reference to a loan I supposedly applied for.They asked that I submit my personal bank information and fax them a voided check. I NEVER applied for any loan from this business. I do n't know what they 're talking about. I was the victim of identity theft in 2012. It may be that someone is trying to obtain funds under my name or this business is trying to solicit my personal information in a dubious manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo has placed a 10 day hold on a deposit, causing {$140.00} in over drawn fees. The Check has cleared the sending bank, but Wells Fargo will not honor the check and will only refund a quarter of the fees. They are telling me that it is not a bank error that they have not collected the money yet from the sending bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo lied to me and gave me the run around with false information pertaining to my home. They told me that foreclosure had stopped because I was in a disaster relief program. Once the disaster relief was over we would then discuss my options. This was all a lie because they proceeded with foreclosure and when I tried to contact them they gave me the run with different clerks all giving me different information that was not true. The representative at Wells Fargo who was suppose to be assisting me never got back in touch with me in a timely manner. I was not aware that they was actually proceeding forward with the sale of the home until I received a notice on my door. Even though I continually made payments up until XXXX when they refused to receive payments from me. I even ask for a modification since I knew I could afford it. Wells Fargo used deception to force me in foreclosure. According to the letter on my door it says the home will go up for sale XXXX/XXXX/2016 but yet Wells Fargo continually say that there is no sale date. Also They told me that the payments that I was paying was sent back to me which is not true. I have only received {$100.00}. I informed them if they apply all the payments that I made and that they said was payment reversal then I would not be in foreclosure. I informed them of this in XXXX when I requested a printed out copy of all payments received. On the documentation I received from them concerning my payments it says the payments was reversal meaning they sent them back to me.The process that Wells Fargo is using is not legal and they are using predatory lending practices. They house has equity in it plus mineral rights therefore it is worth more than I owe on it.

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 2015-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
COMPLAIINT : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE XXXX TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX TRUSTEE SERVICING SOLUTION, LOST THEIR TRUSTEE RIGHTS TO XXXX ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA OF SUBSTITUTION TRUSTEE. 
NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX BALANCE SHEET 2-XXXX OID REPORT 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE 6- FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIAL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE 9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA 11-VIOLATION UNDER B & P CODE XXXX ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XX/XX/2015 & XX/XX/2015 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE. TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRAUDULENT TRANSACTION. 
XXXX-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, OCC & IFR . 
TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. 
I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT :. 
I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen is reporting a balance still and currently late when the account was paid and done in 2012! It is affecting my financing. It is inaccurate and in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for and was given a Wells Fargo Home loan with the understanding I could pay the loan twice a month with one half of the month 's amount due. This was the selling point for the loan. I was never told, prior to closing, verbally or in writing that the payments would not be applied until two 1/2 months ' payments were received, erasing the benefit on reducing interest payments over the life of the loan. 
This lack of transparency, non disclosure and deceit has locked me into a loan lacking the benefit I sought in selecting the mortgage bank. 
My mortgage banker has since told me they have " no way '' to apply the 1/2 payment to my balance. I have been offered to revert the payments withdrawn from my checking account to the full payment once a month. 
What I want and what was implied when I shopped for the loan is to have the payments applied to my loan when they are taken from my checking account. 
I have complained to them and received a non printable e-message stating the above.

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 2016-09-23
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX of Genesis credit management has contacted me and multiple other people several times after I have asked not to. I 've spoken to her and her supervisor. She has been very rude and unprofessional and was told by her supervisor not to contact me, family members or anyone else again, and she keeps doing it. I 've asked to be mailed any information and to not be in contact with her, and she keeps harassing me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a high interest loan with cash call for approx. XXXX which I defaulted on in XXXX. 
Cash call hired a collection company to get their money. the company was ccrs in XX/XX/XXXX. they said they represented cash call and agreed to a settlement of the loan for one lump sum. 
XXXX which I agreed and paid to them. 
they said they would remove all the negative reports to the credit bureaus and report paid in full .which was not done. 
Since that time I have contacted cash call to correct my credit reports and they said they no longer own the loan. 
that another company bought the loan to contact them so they collected the money from me then turned around and sold the loan after the fact. 
and still reporting it as a chargeoff account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: National Credit Systems,Inc.
State: NC
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 recently discovered that this company was reporting a collection with account number XXXX on my credit reports. For quick resolution, I contacted them and offered to pay the debt if they deleted it from my credit reports and they agreed. Now that I have paid the debt they are refusing to remove it!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Penn Credit XXXX XXXX XXXX XXXX, XXXX, XXXX has been calling my house 6-7 time a day, I do n't know why because I do n't pick up. I do not owe any entity any debt other than debts I pay to credit cards monthly. The harassment is on going. Eight years ago I owed a water bill in XXXX which went to collection, that was paid in full years ago. 
please help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016, I received a call from the Fraud Department for XXXX Bank XXXX notifying me of a fraudulent attempt to open a bank account in my name with my stolen personal information. After speaking with them, I immediately called XXXX Credit Reporting and froze my credit report accounts. 
On XXXX XXXX, 2016, I received written notification from XXXX, an on-line bill pay service provider in XXXX, OH, for XXXX Bank, that an on-line bill pay service account in my name had been frozen due to the fact that XXXX could not withdraw funds from " my '' XXXX Bank account in order to make payment to another financial institution. They said my on-line account had been frozen and gave me transaction details involving Firstmerit Bank in XXXX, OH. I have never done business with XXXX Bank, XXXX or Firstmerit Bank. I called XXXX and notified them of the fraudulent activity and they, in turn, told me to call Firstmerit Bank, which I did on XXXX XXXX, 2016. When I attempted to call Firstmerit Bank, they proved to be extremely uncooperative and explained that since my name was not associated with the account number provided, they could not discuss anything with me. I told the Customer Service Representative that I did not want account information but only to notify their Fraud Department of fraudulent activity associated with this account. I asked to speak to someone in their Fraud Department and the Customer Service Representative said they did not have a fraud department, which is incorrect. I asked to speak to a supervisor and when I asked that, she forwarded me to their fraud department, where I was only able to leave a voice message. They have not returned my call. 
I have filed a criminal report with the XXXX XXXX XXXX Department and the situation is currently being investigated. I wish to file a complaint against Firstmerit Bank for refusing to help resolve this situation.

Company response to consumer: Closed with explanation