BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: Navient Solutions, LLC.
State: MO
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:
Recently found out the school XXXX XXXX XXXX XXXX I graduated from in XXXX, is now being forced to shut down in XXXX, while I 'm still left paying federal and private student loans that were taken out for me by the school. I understand that there are options for currently enrolled students and students who withdrew from the school within 120 days to have their loans forgiven. I 'm researching to find if there are benefit options for people like me who has graduated from there but are left paying for a degree from a school that is now shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
While attending undergrad I obtained federal and private student loans. My federal loans are under control thanks to the program available such as income based repayment plans. Although, my private loan is putting a strain on my finances. Without a payment plan I would have to pay approximately {$800.00} a month which I DEFINITELY can not afford! As of now I am in a graduated repayment plan option paying {$370.00} a month which increases every year. It is still putting a hardship on my life but it is better than paying {$800.00}. I am not asking for no one to wipe out my loan due to me using the money and I should be held responsible. Although, I am asking for some alternative plans that would help people who are not financially stabled or who have not landed their career job yet. Or even a program to stop ALL interest rates to allow you to pay off what you currently owe. Since graduating in 2010 my private student loans have doubled the amount due to high interest rates. When applying for loans I did not know the difference between a federal or private loan, I did not know about interest rates, I did not know many things, I just know that I was a young adult ( teenager ) just wanting to go to school to " better myself '' and to " land a high paying job ''. My school was XXXX XXXX University in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My loan has many, many mistakes from predatory lending when I did not qualify. I 've been told from many real estate Lawyers to file a complaint. I 'm XXXX and on SSI and been in my condo for 28 years. Also I had a research company run my loan and found over XXXX discrepancies,,, help me please. Wells Fargo say it 's fine.I WANT TO KEEP, MY CONDO, THANKS

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 2016-10-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo has not addressed my concerns, and I did not withdraw from the home modification process, So once again they have falsely accused and slandered me. The reason why the process could not move forward is because the new appraisal that they promised they would order was not ordered. They were doing the modification based on a incorrect appraisal using the wrong square footage of my home. I have done everything, everything that they have asked me to do to include taking money out of my pocket to have the square footage appraisal done. Then that was not enough so they wanted me to go to the county assessment office and have them to correct it and I did that also, and the county assessment office of XXXX county has made the necessary corrections in reference to the square footage they have also reassess taxes because the value is less. I have not given them an incorrect phone number this is the only phone number that I have and I half to work. I have asked them to call in the a.m. hours and they still continue not to do so. They promised me they would do an appraisal again if I did everything that they asked and it still has not been done yet, so things can move forward. How can they modify the loan to make it more affordable if the appraisal is not correct. The last time I checked ad a PA licensed real estate agent, in order to do a modification you must have a correct appraisal done to determine the value of the home to see if in fact the person that is in the mist of the modification process can afford the home at the current and correct appraised value. Attached once again is proof that I have done everything that Wells Fargo has asked me to do. As I stated before in my last complaint, I have experience other persons from other races being treated differently in the same situation than I have been treated as a XXXX female.

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 2016-04-22
Company: Navient Solutions, LLC.
State: NJ
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 continues to have my loan in default status and says I have a past due balance of over {$1500.00}. However, I entered into Rehabiliation with XXXX in XXXX 2015. Payments are current and automatically deducted from my bank account on the XXXX of each month. I have submitted supporting documentation from XXXX to Navient, which I should not have to do if Navient referred XXXX to me, several times and even highlighted the Navient account number on the XXXX documents. It is as if Navient is forcing me to pay the rehabilitation agreement amount AND the monthly payment they calculated, which is not what I was told by XXXX when I entered into the agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a letter in the mail from Bank of America stating that they are going to change the terms to my checking account they will start charging me a {$25.00} a month fee unless i keep {$5000.00} or more and my account or have other loan products. But for new customers they offer free checking on their website for new customers I will copy and paste it below. I have direct deposit and i meet their qualifications for the maintenance fee to be waived. This is not right they are false advertising if they are going to start charging me now. 
Convenient access to your personal checking account wherever, however you want. 
No monthly maintenance fee when you meet XXXX of the following requirements each monthly statement cycle : Have at least XXXX qualifying direct deposit of {$250.00} or more ; orMaintain an average daily balance of {$1500.00} or more ; orWhen you are a Bank of America Preferred Rewards client ( waiver applies to XXXX XXXX checking and savings accounts ) Otherwise, $ XXXX monthly maintenance fee. 
Students under age XXXX are eligible for a waiver of the monthly maintenance fee while enrolled in a high school or in a college, university, or vocational program. Please refer to your Personal Schedule of Fees for details. Footnote 1Teller accessOptional Regular Savings Account Footnote XXXX, MobileFootnote XXXX and TextFootnote XXXX bankingOnline Bill PayPayment RemindersCustomizable alertsFootnote XXXX card with {$0.00} Liability GuaranteeFootnote 6 and new chip technologyKeep the Change ( R ) savings programFootnote XXXX where everyday purchases add up to savingsOptional Overdraft Protection to help avoid overdraft fees and declined debit card transactions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Bank of America placed limitations on my account. Refused to settle terms under the Mines and Minerals Act as the XXXX intermediary for XXXX. I have sent a International wire transfer to ; XXXX : XXXX, Bank of America N.A.,XXXX XXXX, XXXX XXXX NY XXXX. Account number XXXX ; XXXX number: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 2017-02-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was in foreclosure for a number of years. After trying to sell it by short sale, I requested a deed in lieu of foreclosure with my lender Wells Fargo. The request was approved by correspondence dated XX/XX/2016. I received a Deed and other transfer documents to execute and notarize. I returned the package to Wells Fargo on XX/XX/2016. According to the approval, I was awarded {$7000.00} in relocation expenses. My problem is that it has been more than 60 days since I executed the documents and have not received the promised payment.

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 2016-11-14
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from the doctor 's office for a balance. The bill was paid at the doctor 's office. Per the doctor 's office everything was in fact paid in full. Thinking that this one bill must have been overlooked somehow I went ahead and paid Southern Credit Recovery , Inc {$40.00} ( ck # XXXX ) on XX/XX/2016. After paying the collection company I continued to receive bills. I forwarded to the collection company a copy of the cleared check. Even after I have forward to the collection company multiple times a copy of the check and notifying them the bill was paid they continue to send demand letters. I then requested them to no longer contact me and that request too have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: STATE FARM BANK, FSB
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
For several months I have been trying to get XXXX XXXX XXXX to have State Farm Bank to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that State Farm Bank charged off in 2009. XXXX XXXX XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from State Farm Bank or XXXX XXXX XXXX as an attachment to an email. My email address is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a Victim of Identity Theft. For months now, I have been trying to repair the damage that my Credit Worthiness has sustained as a result of this violation of my Financial privacy. I 'm at my wick 's end trying to resolve this matter. Some assistance and direction would be greatly appreciated. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: AMERICAN HONDA FINANCE CORP
State: AL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I called Honda XXXX on XXXX, spoke with a lady named XXXX, requested the full payoff amount for my lease/loan. I was given the same amount that appears on my online statement. I paid {$22000.00} in full immediately following the call checked on XXXX and the assessed XXXX in tax fees. When you call for a payoff that is the amount you owe, should be nothing more. This is unbelievable practices by Honda. From my understanding taxes are included in the lease payment, so where did this come from and how can these dealerships/finance companies continue to do this to the consumer. Secondly, we moved from XXXX to XXXX XXXX and Honda changed our car payment ( increased it due to taxes ) without any notice to us, just took the money out of our account. Same happened again when we moved to XXXX, fortunately the amount was lower this time, but still no written notice of any kind. Something has to be done about taking advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by the debt collection agency regarding a debt. I informed them that I did not owe the debt. I emailed them a copy of the payment that was given to XXXX XXXX XXXX. The debt company moved forwarded and placed a negative report on my credit report. I have asked them to remove the statement and they refuse to. They simple state " Debt Paid ''. However it was not paid to them but the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Messerli & Kramer P.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
High interest rate with Wells Fargo lease

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
when i bought the house we live in, the mortgage is with Wells Fargo. when pres obama said there is mortgage help out there i thought why am i paying 6 % on my loan. This was in XXXX i have contacted Wells Fargo to refi to a VA loan from a fha loan because of all the insurance i have to pay. Well to make a long story short here i am 3 years later still trying tlo get a refi. Wells Fargo has never ever tried to help me. in XXXX i suffered a XXXX XXXX XXXX, i am the only worker in my family. when the XXXX XXXX came my unemployment just ran out current on mortgage. As i was in the hospital from XXXX XXXX to XXXX XXXX i was in the hospital. my new job was to start on XXXX XXXX well after the XXXX, i was left with XXXX income, so i went to my veterans service office and received a macv which paid my mortgage and house bills for 6 months. they paid and not always on time, So Wells Fargo who knew of my condition said as long as we receive it by the XXXX no penalties. So what they kept doing is reported every late to the credit bureau. taking my credit score from XXXX down to XXXX. So now they will not refi me because my credit score is down. What they do not understand is that they did it and that they refused to help because of that. So they keep doing this while i go deeper in debt. All i ask is that they refi me, take the stuff they put on my credit report off. i have been ontime for past 6 month, they told me after 3 months on time we will work with you. Well its been 6 and nothing. for three years i have been paying over {$4200.00} on interest and {$1200.00} on my principle per year. Also they have raised my esgrow account from {$130.00} a month to over {$210.00} a month, mean while my insurance and taxes have not gone up since i signed the papers. my tax goes up only {$40.00} and down depending on the schools needs. my insurance highest was {$1000.00} i have since redid insurance XXXX to keep it below {$800.00} a year. But Wells Fargo has broken verbal promises, they have lied to me about why my payment keeps going up even though the taxes and insurance as i write this are the same as when i signed my mortgage but the increase of 100 % is alarming. They refuse to help because of my credit score in which they brought down as i was fight for life. This bank has done alot of damage to my credit, my life and yes i am on XXXX because of XXXX during my XXXX XXXX. I just need this bank to do the right thing. they have disciminated against me, they have put me in a financial pickle. I have tried but all i get is no we ca n't because of your credit score that we brought down. my next step is to sue Wells Fargo XXXX XXXX for unethical business practices and unethical discrimnation of finacial help, and unethical lending practices. The 6 % i pay on this mortgage is unreal and Wells Fargo owes me for overpaying the last 3 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am a XXXX patient unable to pay loan due to unemployment.

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 2018-05-26
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This has been an ongoing problem and I have called on 2 separate occasions to complain. I have 2 accounts ( checking ) one has an overdraft line of credit and when I transfer money into it the online program has it immediately removed from checking account and when I look at the line of credit it has what I transfer under Available Balance however if some ACH payment occurs or I use my debit card I get charged for an overdraft fee and am told it wasn't credited yet-. The online banking should then not have it under Available balance its deceptive and has happened when I transfer from the account which has the overdraft protection to the overdraft how is that possible - it means the money is in neither account but in limbo and they charge me as if it wasn't there while it's processing??? The same bank charged me XXXX to check balance- at another bank machine which I would be ok with but to charge an overdraft fee for the XXXX $ seems to me to be criminal. I hadn't followed up with them since the last two times I was wasting my breath- I even sent screen shots showing the available balance line. I get passed from the brank division to the credit card division ( my line is XXXX + XXXX credit card. ) I was financially devastated by recent hurricane so now its a big issue. I have no idea how many times it has happened because I am a small business and constantly over drawn - which is not to say I think that's good or ok either but my husband became XXXX and so we are constantly scrimping and I often am not paid for XXXX - 60 days after completing a job so it happens. Branch Banking and Trust

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 've never attempted to payback my student loan for a for profit school which is not only currently closed but I have both private and federal loans through XXXX XXXX feel I was misplead by the type of living wages were expected after school and the way in ehicvh I was forced to service a loan or ends my school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
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 took out a XXXX XXXX loan in XXXX to study for the bar exam. I returned to school and then graduated in XXXX. After graduation, I was unable to find a full time job and worked part time and as a temp until XXXX of XXXX when I was unable to work. My loan payment was extremely high and I was unable to pay the required amount. I contacted them on several occasions looking for a repayment plan or program, so for them to work with me as I was on unemployment at the stated time. I provided proof of the unemployment and they refused to work with me. Because I am was not making enough money to even get household items, I could not make the payments. I have had threatening calls, which I reported but got no response from the person who I sent it to at the company. Eventually they placed it in collections. When I became employed I tried to work out a payment plan with them again and after a lot of conversations and negotiations with the creditor I was able to make payments. Even though I make my payments monthly and on time, they refuse to let the credit agencies know about my payment so on my credit report it shows that I am late and not making payments. This is n't fair and it is something that they should work on since it has been raised as an issue with the XXXX committee because it is considered looks a default on a student loan. This is interfering with my career and I am making payments as I agreed to with them. I have tried contacting them about it and they keep passing me around to someone else who is never available and wo n't return my calls. But even if payment is made, they call me constantly to talk about changes or negotiate a settlement, it not about the issues I face. It is very frustrating and I am not working in my field right now so I am not making a lot of money to negotiate a settlement, I just want them to be fair and stop giving me the run around. I are willing to pay, and I have been paying even with their high interest rates and no wiggle room to negotiate repayments. A lot of students end up in debt and unable to make repayments unless it goes into collections, and why donot s it have to get to that point for us to get on a payment plan or are able to show hardship? They are not willing to work with student and that needs to be fixed.

Company response to consumer: Closed with explanation