BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
What was supposed to be a quick, streamline re-fi process has turned into a 4 month nightmare with Wells Fargo and XXXX XXXX XXXX XXXX. I started my re-fi process with Wells Fargo in XXXX and it is now XXXX and they are still asking me to re-submit more documents for the third time! They have told me several times " You are conditionally approved and it is going to closing '' yet now four months later we are still no closer to closing, and they are again asking me to resubmit documents that " they ca n't find '', although they were submitted electronically Wow! Can there be that much incompetency in XXXX large lending corporation? After reading the complaints about Wells Fargo, I think there 's more to it and they are using stall tactics. I even contacted the Regional Vice President and once she found out that it was not a commercial loan but a residential loan, I have n't been contacted again. Wells Fargo needs to be investigated and monitored by a government agency immediately!

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 2016-12-04
Company: IQOR US INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
multiple calls throughout the day

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 2015-06-17
Company: Nations Recovery Center
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: STATE FARM BANK, FSB
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint # XXXX, has errors please accept this as correct and updated request. This letter and request is one of numerous attempts since XX/XX/XXXX, to obtain status on payments from XX/XX/XXXX through XX/XX/XXXX, specifics dates and checks numbers are detailed below. 

I received a letter from State Farm Bank dated XX/XX/XXXX, acknowledging my letter dated XX/XX/XXXX, and stated my request would take longer and an additional 15 days would be needed. No correspondence has since been received. State Farm Bank, has continued to delay or state more time is needed to address my simple request and those of XXXX XXXX, XXXX. 

My requests are simple : Status of the checks listed below in a readable and understandable format. State Farm responded to a prior dispute CFP # XXXX, with confusing and illegible responses which required research to determine what they were referring to. State Farm stated : {$2400.00} was returned to me and a check for {$6500.00} was sent to me. I verified with my bank no deposits in that amount have been recorded. No check number was provided by State Farm for more detailed research and is requested at this time. 

In addition, to the very simple status of the checks below in a legible and understandable format I also request details and status of the payment of {$2400.00} and {$6500.00}. I again, request the Credit Bureau require State Farm Bank to respond promptly and with readable and legible response. 

Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$2400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1700.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$4800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$2800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$620.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1100.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: URS Holding, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX. On XXXX XXXX 2011, I received a letter regarding a debt. At that time gave XXXX options to get a settlement. I called and arrangements to settle this account with option # XXXX ( was to pay a lump-sum payment of {$850.00} ). That was a savings of 50 % on my outstanding balance. I received notice from my bank ( XXXX ) that the transaction was processed on XXXX XXXX, 20 11 and the full amount was paid to J.C.Christensen & Associates , Inc. With transaction # XXXX. 
When I called again to confirm the payment was received, the representative mentioned that no further action was needed from my side and the debt was canceled. 
I 'm asking for your help to resolve this issue. 
I look forward to a resolution of this mistake miscommunication between J.C.Christensen & Associated , Inc. And the other collector XXXX XXXX XXXX XXXX XXXX Also, I would like comelet all necessary steps to clean my credit records. 
Manny thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: Focus Holding Company
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company continues to call me and leave messages. When I answer it 's only a recording of very unspecific nature trying to get me to call them. I have excellent credit and nothing outstanding on my credit report so I know they are not trying to collect a debt from me. At this point I feel like it is harassment. Several calls a day is too much and answering their calls does nothing because there is no person to talk to just a recording. I am not going to call some number and take the risk of having to pay international fees like so many scams out there. I need to be removed from their call list.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are several different addresses for one address that I lived at and there is also an address that is not mine. My spouse/co-applicant is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03
Company: Focus Holding Company
State: GA
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 reviewed my credit report which had a new Debt Collection from Focus Receivables Management. It was listed as a XXXX past due balance. Prior to seeing this entry, I have received no communication from Focus Receivables Management. Had I received a letter I could have requested a validation of debt since it was already paid to the original creditor.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello CFPB, I am filing this complaint against Navient due to their negligence to negotiate affordable payments. They have harassed me with phone calls. They even sent me a holiday card saying that my balance was pass due. I have been in communication with them in order to get my loans out of default. Before my loans went into default in XXXX XXXX, 2017. I was trying to negotiate with them to lower the payments. Navient 's service representative told me that I would have to pay at least {$10000.00} in order to make it current. I told them I did not have {$10000.00} to pay. They asked me is there a way I could ask my grandfather who since he was the co-signer. I replied no, because he has XXXX. They said sorry to hear that, is there a way you can take it out of his account or retrieve the money from his 401 k or insurance policy. I told them that was very inconsiderate and no, I could not do that. After that I was told my loans would go into default and my account would go to a 3 party debt collector. A few weeks later, I began receiving called from Navient credit collections department. The first offer was if I pay 10 % down on my initial loan than my balance would decrease and be up to date. Also, I had to pay {$250.00} every month for the next 10years. The  service agent asked if I needed time I said yes. A day later, I kept getting random calls from different service agents. The only reason how I knew it was them calling because of the different voicemails I received when I got out of my meeting. I called Navient back last Thursday, XXXX XXXX,2017 in order to negotiate my loans being in default. They said that I could try to take out a PERSON LOAN from the following : XXXX, XXXX, XXXX XXXX, XXXX XXXX. I applied for all of the loans and got denied. The agent told me that I did it wrong, I was supposed to fill it out for a PERSONAL LOAN. I rechecked my accounts for the personal loans, the only loan I applied for incorrectly, were the loans for XXXX. Since XXXX already denied me a loan, they would n't give me the option of a loan. I told Navient 's customer service agent that I did not have a co-signer but I can pay the $ XXXX month. She told me that due to my account being pass due and it is being a private loan, they could do whatever they can charge whatever they wanted. I told her I am not getting approved for a loan due to my student loans being in default. They did n't care at all nor try to negotiate. I told her I dont have it and that I would be consulting a lawyerIn order to resolve this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please take cooperation that telling XXXX. Senators that I was not happy with US Bank which they turned me down as they refused to offer me in reward {$120.00} for new bank account at XXXX XXXX. US Bank does not like me to get reward {$120.00} as they do not like and do not welcome in their XXXX XXXX XXXX XXXX. Male Employees do not like my appearances as they said me that I was too ugliest and dumbest gentleman who wrote my complaints to Consumer Finance report so please forward to XXXX. Senators at emergency orders! Tell XXXX. Senators that I do not fit in Oregon resident noted to Male Attorney at immediate action! Tell ME from Male XXXX Attorney in confrontation person XXXX not phone ) at requests. Thank you for not appreciated with XXXX Bank and U.S. Bank turned me down in their discrimination addresses messages to Male Attorney. Thank you for not appreciated with XXXX Bank and US Bank noted to XXXX. Senators in serious charging matters! Please follow up release to Male XXXX Attorney appoints me with male attorney through court requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My brother received a phone call from a man named XXXX XXXX who stated that he worked for the Law Offices of Scott Carruthers of XXXX, Ca and during the phone call he had disclosed information to my brother about a pending court date which I was informed by my legal resource that he is not allowed to do so by law. He has been calling other people including the aunt of my ex girlfriend whom I 've never even met. How he got that information I have no clue. I have also had some local courier chasing after me trying to serve me with a wage garnishment notice which I was informed is also not legal. Also, This courier had my social security number and repeated it over the phone and in the background it sounded as if he were in a populated and non discrete area where others may have heard him repeat my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I attempted to make a flight ticket purchase on XXXX website. This attempt was made on XXXX XXXX, 2016 around XXXX. The company requested an authorization, however given that they could not fullfil my request they advised that the card was never charged. I confirmed the same on a phone conversation with a representative from XXXX on XXXX XXXX, 2016. When looking at my US Bank account I see that on XXXX/XXXX/2016 a charge in the amount of XXXX XXXX was made and an immediate credit provided for the exact same amount of XXXX XXXX. However US Bank charged my account {$310.00} and credited {$310.00}. They also charged me a foreign transaction fee that they subsequently reversed on my request. When asked for explanation and refund of the missing {$2.00} I was told that I need to ask XXXX as to why they credited my account with a lower amount. Fact is that the account was charged and credited with the same amount of XXXX XXXX. Since the attempted purchase was made on a Friday afternoon, after the XXXX stocks were closed there was no reason why the XXXX transaction should vary in the amount of charge and credit. The fact that US Bank processed the charge and credit on XXXX XXXX, 2016 should also not affect in any way the amount of charges and credit and the account should zero out. There should be no amount owed on the account either way. Please request that US Bank properly process the transaction and credit back the complete amount. 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 monetary relief
Consumer complaint received 2015-04-21
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for the XXXX credit card last month for the bonus award night benefit and they announced that they are taking the benefit away right after I got approved for the card. The card is useless to me now and I wasted a credit inquiry and {$75.00} annual fee. The card member agreement specifically mentions the bonus award night after paying the {$75.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03
Company: U.S. BANCORP
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/2016 I received an email from my boss authorizing a wire payment for {$21000.00} to be sent to a consultant named XXXX XXXX to an account at US Bank NA in XXXX XXXX, MN. I sent the wire and then confirmed this with my boss. He then told me that he never sent this email. The email turned out to be a " spoof '' from someone who hacked into our email system. I promptly informed XXXX XXXX XXXX ( our bank ) to recall the wire and they confirmed later that day that the wire had been recalled. Today ( XXXX/XXXX/2016 ) I called XXXX to confirm and they told me that they are not sure that they could recover the wired funds.

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 2015-04-29
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
The terms of the credit card changed from receiving a free night on an every award stay of XXXX nights or greater to only receiving XXXX free night a year if I spend XXXX on the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Was not given correct or adequate information on loan repayment options and have had issues with payments not being deducted from loan amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: U.S. BANCORP
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I called numerous times about a supposed law suit US Bank has on me. I asked how am I frauding them. I called the recovery department and was told by XXXX that according to my ssn I am not in system. I was XXXX by XXXX I closed my account in 2005 with a balance of {$270.00} first time and he did n't know how much my balance was second time. Both times he said my balance could be a scam to seek legal help. He also said that balance was sold to a company that is now closed down and could not give me anything else on that balance. He even refused to offer me the old account number stating my account is too old and again seek legal advice for it could be a scam.

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 2015-08-24
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law. 
On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it. 
The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account. 

By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2009 I went though a divorce in XXXX. Wells Fargo at the time had a XXXX mortgage in the form of a line of credit. Listed against the house. During the divorce proceedings my Ex-wife filed for and was granted Chapter XXXX Bankruptcy. After that was done, Wells Fargo returned a payment saying the debt was discharged and I did not owe them money. I then Moved to XXXX and did not think of it again. I recently got a copy of my credit report and their was by Wells Fargo a judgement for the line of credit. Since this debt was discharged they had no right to sue me for this discharged debt. Also they never served me with papers even though Wells Fargo knew where I was because I visited an office here in XXXX to see what my options were. I state for the record this is outright fraud by Wells Fargo and the judgement filed in XXXX court should be voided forthwith. I also think because of them doing this they have for the last 6 years been damaging me and I think they owe me damages under Federal law XXXX times the amount. I also think they should be required to pay a high fine, and someone who did this should get some jail time as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debtor is Sterling Jewelers, their XXXX number is XXXX. 
They do not leave messages and they implore several numbers across the US. Different states and cities and again they do not leave messages and in some cases the number does take call backs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation