BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: Radius Global Solutions LLC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loan account has been with the Ombudsman Group at the DoE for well over 400 days and today, I spoke with yet another collection agency ; Central Credit Services LLC. They had given me poor advice in XX/XX/XXXX that I should NOT file my taxes. The IRS told me this was terrible advice for anyone to give so I filed anyway. I received another letter from the collection agency and called them to please mark the account " in dispute '' and asked for some paperwork while the details are being investigated. I asked for the fine print and statutes set forth by congress regarding the Rehabilitation program. " XXXX '' told me they do not have those files. I asked again why she was denying this borrower 's rights to have all of the details in writing before a payment amount would be discussed and she responded by saying " we do n't have that ''. I reaffirmed my assertions that her agency was denying this borrower the right to fully understand this contract agreement and told her to " Have a nice afternoon '' and proceeded to end the call. I would appreciate if this topic could be examined more closely. It is frustrating to find out that I have an increasing balance when my rights are being trampled and no apparent course for restitution or correction. Please contact me if this office ( CFPB ) would like more information. I am currently compiling a file with the outrageous claims made against me since the account maliciously was sent into default by violating UDAP statutes in the XXXX XXXX offices.

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 2015-04-21
Company: ATG Credit, LLC
State: IL
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 have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years

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 2015-07-09
Company: First Service Residential, Nevada, LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any invoices or notifications of this because they had my name and address wrong in their system. I paid my mortgage and condo fees on time every month. there was never an attempt to call me. I would 've been happy to pay a bill for {$240.00}. It does n't make sense that they would put a lien on my condo without contacting me. I am selling the property and going to settlement on XXXX XXXX and the condo Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be thrown out due to a lack of effective communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America promised me an interest only mortgage for a non-jumbo loan amount. Then as I was putting in an offer for a house the bank told me they had changed their qualifications and said no mortgage even though 1 ) I still qualified w the new criteria, 2 ) the new criteria was not accurate and does not exist. 
After six months of trying to get the promised mortgage reinstate w the bank ignoring me, with my even sending Bank of America the note from my doctor regarding my XXXX they requested, the bank finally responded to me that they no longer offer the interest only loan. Was seeking when they still do. 
Then I called the banks national loan application center no was approved for exactly the same loan in 20 minutes and received a confirming letter. 
Then those who originally denied me found out about my approval and at the managing director level contacted the manager of mortgage services and had a person call me and tell me the loan I had finally been approved for no longer exists. 
However I re-contacted the same department brokers and was told it does exist and they sent me another letter affirming my being 100 % qualified! 
For some reason even though the loan continues to be offered and I continue to be fully qualified thru today, senior management of the XXXX Bank of America continues to discourage and block me from obtaining it. 
I believe there are two aspects to this, one may be discrimination due to my source of income although they fully meet all federal and bank standards and the other is they simply are misinformed about their own products although many of their brokers continue to assure me that the loan I am seeking exists and I am fully qualified.

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 2016-11-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I do n't know where to start with 'WellsFargo '' I Have paid all my accounts with wells fargo they have sent me letters stating that everything has been paid and reported to XXXX and XXXX yet the have lied and continuously left me out and the dark they have the XXXX stating that they will not remove me because of fraud really look how many of their employees have been FIRED OF FRADULENT ACOUNTS AND SCAMS yet they sit they and judge me when they hired a bunch of crooks serious I made mistakes I 'm not proud but I never defrauded anyone like your employee they even closed my bank account because I 'm XXXX I was dating rich white man and he wrote, me checks for bills and etc.And the bank teller told me that I was a XXXX and I should be ashame of myself in the branch in front of everybody put me to shame because I 'm dating a rich XXXX these are the people representing wellsfargo I never in my life been so humiliated another personal banker PUSH ME OUT THE BANK YES and they gave me my money in the parking lot I 'm not not making this up I still witnesses til this very dare and I 'm still with same XXXX who left wellsfargo because of this incident who are these people where did they come from they sholudnt get away with this, I want my named cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My partner and I bought a house together. We were not married. I was the XXXX of our XXXX kids and had not had any income for 7 years prior to applying for a mortgage. Bank of America approved our loan in 2007. About 2 years later, when the housing crisis hit, my relationship also tanked. My ex stopped paying our mortgage. There were several refi programs available, but neither Bank of America nor XXXX would allow me to apply for refinancing stating I was not the primary borrower. The net effect : they allowed me to be on the mortgage despite having no income. When I tried to refi, they said no, but were still holding me liable for the debt. It seems they discriminated against me in that they were holding me liable yet not offering me the same relief they were offering others who wanted to refi. 

The house went into forclosure. I want my name cleared and the forclosure off my credit record because they refused to help me in the way they were willing to work with my ex as the " primary '' borrower.

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 2017-03-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo took out reverse mortgage on a rental property I had instead of on my home, which I needed one on to pay mortgage and to remove husband 's name from it per divorce. This eventually forced me to move to that house, and my ex husband filed lawsuit for contempt!!! So I was forced to sell my long time home and move to unsuitable property that I could not XXXX ... All because of predatory reverse mortgage. The salesman came to my home twice ... .Knew it was my beloved home. Then at " closing '' XXXX strange unprofessional men I never saw before came to my home ... .When I changed mind about the loan they got angry, said they were in a hurry, threatened me that if I did not initial papers ... .Huge! Stack ... I would never get reverse again. I was never given time to even look at papers ... .Now, I find out they were robosigned by XXXX XXXX XXXX vice president ... .They wo n't say who owns loan, wo n't let me repay the taxes they paid,. Denied Hardship the promised ... .I am XXXX with XXXX and XXXX and the are throwing out on street!! In four weeks I have no where to go and too I 'll and XXXX ... .Barely out of bed!! Can you help me please.

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 2017-02-03
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying SallieMae ever since my forbearance ended in XX/XX/XXXX. It started out with {$720.00} from XX/XX/XXXX to XX/XX/XXXX 
In XX/XX/XXXX, I successfully paid off XXXX of my XXXX loans. That brought my new monthly payment down to {$670.00}. As a result, I began paying this {$670.00} in XX/XX/XXXX. 
Never has Sallie Mae put in any hidden fees I knew nothing about. Never have they adjusted anything. 
Then in XX/XX/XXXX, I saw that i had to pay XXXX, I did n't look into it, I figured that it was n't a big difference from {$670.00}. I continued paying this new {$670.00} from XX/XX/XXXX, when it began, to XX/XX/XXXX. 
On XX/XX/XXXX, it raised to {$680.00}. I paid it and now i see it again, {$680.00} for XX/XX/XXXX. I am worried that it will raise again. So i decided to check over my online statements, I had no late fees and NO explanations in the calculation. 
I decided to call and inquire. I ended up speaking to a rep named XXXX at XXXX on XX/XX/XXXX and he said " based on the economy, your loan interest can increase ''. 
Now, I do n't trust SallieMae, it is bad enough that I pay as much as I do and I can not do anything about it. But I would like further investigation. The last thing I need is to get screwed over by these criminals. I do not see why I have to pay for the economy. As far as I know, the economy fluctuates as it always does. My payments have never ever decreased, but all of a sudden they increase it. This simply does not sit well with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient is the private loan servicer. I am the cosigner for my son. Originally these ( XXXX loans ) were XXXX XXXX loans. I have been paying on the loans since XXXX. Loan XXXX was disbursed in the amount of {$21000.00}. To date I have paid over {$17000.00} on this loan. The outstanding balance is {$17000.00}. XXXX was disbursed in the amount of {$31000.00}. To date I have paid almost {$20000.00} on this loan. The outstanding balance is {$24000.00}. I submit that the fees and interest on these loans are predatory and unethical. Consequently, I have retained counsel to help me navigate a course of action. Repeatedly Navient has refused to help me over the years with a reasonable payment plan and reduction of interest and fees. Finally in XXXX of XXXX I discontinued my payments to Navient after receiving a bill for XXXX that indicated that my most recent payment of {$130.00} only lowered the balance by {$46.00}. Although I have retained counsel, CFPB needs to be aware of the predatory practices of Navient. I have retained counsel for 6 months and to date, although we have offered a reasonable amount for a monthly payment, Navient has refused to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After the housing crash, house values in my neighborhood lost value rapidly and most houses became under water. XXXX tried to assist me in obtaining a loan modification, but the lender, Wells Fargo Mortgage, declined the application in XXXX XXXX. After Wells Fargo Mortgage declined two subsequent request for assistance through a modification, I offered to give up my home in a Mortgage Release or Deed-in-Lieu. Wells Fargo agreed to the deed-in-lieu of foreclosure, subject to me getting a Realtor to seel the property in SHORT SALE, if no offers, Wells Fargo promised to offer the deed-in-lieu after 120 days.Up to XXXX XXXX, my mortgage had been kept current despite Wells Fargo Mortgage 's refusal to grant a modification. 
After rejecting XXXX investor offers, Wells Fargo Mortgage forwarded my file to their attorneys, and foreclosure date has been set for XXXX XXXX, XXXX. My initial request for a deed-in-lieu was in XXXX XXXX. My Mortgage balance is $ XXXX, appraised value of property is under $ XXXX, and Wells Fargo advised the realtor that $ XXXX would have been acceptable in a Short Sale. There were no offers at that price. Why wasnt I offered a modification at $ XXXX? I would like to keep my home. 
Thank you for hearing me out!

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 2017-02-16
Company: Navient Solutions, LLC.
State: TX
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:
I was recently enrolled with Navient loan forgiveness program last year 2016.i had several loan accounts that I was told that would be consolidated into XXXX account. although a couple of payment have been missed. 
Navient went back on my credit report, and in Just one month alone my credit score dropped over XXXX points. and pretty much murder my credit by hard hitting all the accounts instead of just that XXXX I was told it would be consolidated into. this literally happened right after I enrolled into Obamas newest loans forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
I wanted to transfer {$5000.00} from my husband 's credit card account to my own. Through XXXX XXXX, I applied for a BankAmericard 0 % card and requested a balance transfer. I was declined. I 'm pretty sure I received an Adverse Action notice in the mail. I applied for a different 0 % card and transferred {$5000.00} to my name. 

To my surprise, I subsequently received a BankAmericard in the mail. I cut up the card but decided to keep the account open to help my credit score. To my greater surprise, I then found that BoA had completed a {$5000.00} balance transfer. So instead of the $ XXXX that I intended to transfer to my name, I transferred {$5000.00} to XXXX, and then BoA - having declined my application - transferred another {$5000.00}, for a total of {$10000.00}. This was not my intent and may have a negative effect on my credit score. 

When BoA called me ( probably a welcome call ) I told them about the error and asked them to reverse the balance transfer. Over the course of 50 minutes 1. One representative failed to authenticate another rep who was transferring me between departments and did not know how to authenticate me without my card 2. I was given detailed instructions for reversing the error myself - had to point out that this was an XXXX error and the bank needs to correct 3. Was told to come into a bank branch - again, this was a funds transfer done in error after my application was declined, told the rep that the bank has to correct After 50 minutes and the balance transfer department disconnecting me I gave up.

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 2016-08-14
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX of XXXX I bought a new car -A XXXX XXXX XXXX - The original cost of the car was {$19000.00} of which it would make a loan of 3.99 % for 60 months or payments of {$360.00} Unfortunately, I was trapped into buying additional power train insurance - The insurance was sold as an additional {$100.00} a month instead of financing an additional {$2700.00} and XXXX at {$3700.00} making the loan {$26000.00} - When I realized that the loan now was {$26000.00} Instead of {$19000.00} I complained the dealership - I was able to recover some of the money that I paid for the additional insurance - ( see detail payment loan payments ) My loan was not adjusted to the original 3.99 % interest for {$19000.00} @ 60 months or a payment of {$360.00}. I have continued to pay the loan at the higher amount of {$490.00} a month as if the loan was $ XXXX I have been paying the higher amount for the last 2 1/2 years - I requested to Wells Fargo to adjust my loan to the original amount and adjust the payment as {$120.00} Extra as additional loan payment towards the principal and adjust the remaining of the loan accordingly to the lower loan payment. 

Please see attached additional information 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 2017-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am being reviewed for a short sale since XX/XX/XXXX an entire YEAR! with the same buyer. I have submitted all documents requested by the lender. I have an assigned representative XXXX XXXX p # XXXX ext XXXX and I believe the processors name is XXXX XXXX XXXX I have been emailing with and has now stopped answering my emails in regards to the postponement of the sheriff sale date scheduled for XX/XX/XXXX. I have called the assigned representative XXXX XXXX and have left several messages for an update and he NEVER called me back. After being transferred around for 40 mins I finally spoke to a representative today XXXX ID # XXXX who informed me that the sale date will not be postponed because it was postponed 4 times in the past and the postponement department says it does not meet the criteria. I have a valid offer on the property, I submitted documents on time when requested and they are refusing to review it because they dont want to postpone the sale date again. The have mismanaged my file and that is not a valid reason to remove my file from a current review for a short sale because they just want to wait. They have wasted the buyers time and everyone involved.

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 2015-08-03
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was employed in XXXX from XX/XX/XXXX until XX/XX/XXXX. While I was employed in the XXXX of XXXX, my identity was used to open accounts. 
I have tried to clear up any confusion. I have written to the debt collector certified mail and the credit reporting agencies. 
On XXXX, it indicated removed but then it re-appeared. It is contradictory postings.

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
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:
Navient did not respond to my initial complaint filed through CFPB regarding payment application. Also, received my 2016 XXXX year end statement that is reflecting an excessive amount of {$21000.00} in interest.

Company response to consumer: Closed with explanation