BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CT
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 attempted to set up a multiple payment system with Navient regarding a Private loan.When I called after exhausting all avenues of working on my own trying to set up a second payment to pay more towards the loan the company informed me that I had to make One Large payment rather then 2 smaller payments which equal the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Information stopped showing up or being delivered to my mailing address, I found it is being sent to an old address with my private information and loan information. I can not get a live person from Navient on the phone to correct the issue or to even be able to pay them/set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo never provided a Loan Modification Denial Letter. Please provide a denial letter if you claim you sent one. XXXX XXXX, XXXX, XXXX XXXX XXXX of WELLS FARGO, emailed Attorney XXXX XXXX of XXXX XXXX XXXX, stating " the Loss Mitigation Group is currently working on my matter. '' XXXX XXXX, XXXX, Attorney XXXX XXXX submitted my Loan Modification Hardship Letter to WELLS FARGO. XXXX XXXX, XXXX, I received a letter from Attorney XXXX XXXX that she has " successfully stopped foreclosure proceedings initiated by WELLS FARGO '', and has successfully secured a loan modification from my XXXX Lien Mortgage. It was stated to me that it only makes sense to secure a Loan Modification for all liens ; otherwise, securing only the XXXX Lien Mortgage defeats the purpose of saving my home. Why waste time on securing a Loan Modification for the XXXX Lien Mortgage, if the XXXX Lien is going to foreclose? The following is an exact account of how my Equity Line of Credit was mishandled by WELLS FARGO : Based on financial hardship, XXXX XXXX, XXXX, I took out a XXXX Lien Mortgage of {$250000.00} on my home. Upon closing, WELLS FARGO divided the XXXX Lien Mortgage into XXXX loans, which resulted in a XXXX and XXXX Lien Mortgage of {$170000.00} ( Loan # XXXX ) and {$75000.00} ( Loan # XXXX ). 
Unlike what the following demonstrates, XXXX XXXX, XXXX, my " Credit Report '' reflects only XXXX Corporate Assignment, " XXXX XXXX '', executed XXXX XXXX, value of {$160000.00}, Loan # XXXX, which was never mailed to me. Surprisingly, the amounts and loan numbers of my liens were changed to : Second Lien Position, $ XXXX/Loan # XXXX and XXXX Lien Position, $ XXXX Loan # XXXX ; therefore, I question the validity of the " XXXX XXXX XXXX Account ( XXXX ) Agreement and Disclosure Statement '' that Wells Fargo provided . The aforementioned demonstrates that the XXXX Agreement and Disclosure Statement provided by WELLS FARGO is not the document I signed upon closing. English is my XXXX language and I have evidence of being treated unfairly. Please provide me with the documents signed that reflect {$170000.00} and {$75000.00}. During the processing of the Loan Modification, I received letters from WELLS FARGO, stating, XXXX XXXX, XXXX, the XXXX and XXXX mortgages were charged off. Moreover, I received a letter from WELLS FARGO that my home was no longer in foreclosure ; I thought it was all over. I never received a Loan Modification denial letter, and I never received monthly statements anymore. Supposedly, Nine ( 9 ) months after the Charge-Off, XXXX XXXX, XXXX, WELLS FARGO executed a Corporate Assignment of Deed of Trust to XXXX XXXX, XXXX, non registered to do business in California, of the XXXX Lien Mortgage of {$160000.00}. XXXX XXXX, XXXX, as the New Loan Servicer, never gave me a statement requesting monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX an unauthorized transaction was made on my credit card through my PayPal account for {$360.00}. Then again on XX/XX/XXXX a second unauthorized PayPal transaction was made on my credit card for {$250.00}. This was a fraud charge, I immediately called my bank and closed my card. I contacted PayPal and their response was no unauthorized use which I find completely unacceptable. The party that received my money dont even sound like real people, the first account was to XXXX XXXX and the second to XXXX XXXX XXXX used to purchase the same good XXXX twice. I do not feel accountable for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have had an offer on my house that is the amount Wells Fargo set as the purchase amount. That was XXXX months ago. They keep stalling and asking for the same paperwork over and over again. Why, I cant take care of the property any longer and am moving out as we speak. I would not be surprised if the potential new owners walk.Not my problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an escrow refund XX/XX/XXXX in the amount of {$2800.00} from XX/XX/XXXX. Wells Fargo has requested reimbursement of this refund XX/XX/XXXX claiming that the refund was an error. When the refund was provided, I contacted Wells Fargo numerous times to confirm that the refund was accurate. In addition, I did not deposit the refund check for several months. I think it is unreasonable to expect a repayment of nearly {$3000.00} more than two years. In addition, I feel that I did my due diligence as a customer to alert Wells Fargo of a potential error. Since receiving this notice on XX/XX/XXXX, I have contacted Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have a letter dated XX/XX/XXXX that Wells will complete research and contact me by XX/XX/XXXX. I received a message on XX/XX/XXXX from a Wells Fargo representative that there has been a resolution and to contact him. I have left several messages and never spoken with him with respect to what the resolution is. Now, I am receiving notices from XXXX XXXX XXXX, XXXX to attempt to collect this debt. In the information provided by XXXX, there is a copy of an email from Wells Fargo to XXXX XXXX on XX/XX/XXXX stating that " we have completed our process and our homeowner has not responded to our attempts to address this. '' I have documentation of my multiple attempts and follow ups and I truly do n't know what more I can do thus I am filling this complaint in hopes that this process can help me to resolve this issue. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank placed a negative complaint on my XXXX report for suspected fraud activity and I do n't owe the bank anything and there was no fraud on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: DC
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:
I recently completed a XXXX program and XXXX of my student loans were placed immediately into repayment. I was informed over the phone that consolidated loans were not eligible for a grace period after completing school, hence the immediate repayment status. I was not informed of this, however, when speaking with a representative that recommended the consolidation initially. At that time, I was unable to make payments on my student loans and knew that they would be deferred upon starting XXXX school. I was advised that XXXX the loans was the best course of action, but was not made aware that I would have to be prepared to pay as soon as I completed XXXX school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient is reporting that my student loans have been charged off and I owe a balance of over {$40000.00}. Meanwhile, the accounts are over XXXX years old and should be removed from my credit report. I filed chapter XXXX bankruptcy in 2010. I have attached the accounts that Navient refuses to update in their system and remove from my credit report. Some accounts are over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in Chapter XXXX and trying to modify loan with Wells Fargo, I am getting stonewalled, passed from XXXX point of contact to another, told the procees must begin again and again, and asked for obscure documents to file the modification.

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 2016-06-06
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
After providing necessary documents and verbally having an agreement with signed documents, The servicer Ocwen decides to change the terms. I make XXXX a year now after starting a new job in XX/XX/XXXX and deserve a better term as first told. Having a Balloon and being told at XXXX, XXXX would be due in one lump sum is not acceptable. After showing concern the principle was allegedly reduced more but still Considered Ballooned. Not again what was stated earlier with the streamlined Hamp as described. Being able to pay down the debt with 3.12 interest as described with 40 year term was told as it would be. XXXX has been given XXXX a month since XX/XX/XXXX and the servicer tried on a holiday week to have timing is of the essence, sign, date, notarize by XXXX XXXX. Securitization audit and Quiet Title were requested with a QWR with all not being provided. Home Owner Bill of Rights and the issues with Investors servicers past and present should make this more unique workout solution. XXXX XXXX another lawyer is in jail now for realestate fraud and XXXX ipo issues that did Foreclosure rescue scam XXXX on me and I 'm tired of censured attorney chapter XXXX that would not let me fire him as his firm acquired info from Litton Loan and then said they were not doing a loan mod after they had us fill out docs stating different. Very unique people. Please advise, ... ... on my rights with the changing of terms that is not welcomed when I make enough income and they see that. Being scammed and represented illy is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I was given a credit card to finance my carpet purchase from XXXX XXXX, the card was from Wells Fargo. I was told it was zero interest. I reached out to Wells Fargo when a year later I got a credit charge for interest on the account for {$2700.00}. I filed a complaint that they ignored and said too bad for you. I was never provided documentation stating the credit charge would occur. Additionally, Wells is now charging me interest at a rate of 28.24 % on the interest charge. I have paid the the bulk of the original principal purchase off and now Wells is telling me I owe them another {$3000.00} and growing. I would like to pay off my principal balance and have them reverse the interest charges as I was not informed of the terms, they have not produced evidence and they are charging me an excessive rate of interest on top off an interest charge. I do not trust their sales practices based on recent events I feel they are trying to rail road me and deny me my rights as consumer.

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 2016-12-21
Company: Alliant Capital Management LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
COLLECTOR VIOLATED 2 TCPA INFRACTION! SEE ATTACHED PHONE RECORDS, CALLER I.D . ALSO, VIOLATORS OF THE DODD-FRANK ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to my local Well Fargo bank to apply for a bank account the lady told me that I ca n't get an with Well Fargo no more she said I abuse my bank account. I deposit bad check I told her I do n't have any idea about this so I need you guy to do an investigation I want to my local police department to file a police report.

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 2015-12-04
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I 'm an XXXX. Because of this I feel as though I was discriminated against when getting a loan from Honda Financial Services. For some reason I feel as though something is n't correct and I believe I was overcharged interest on my car loan. If possible I would like someone to look over my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Adler Wallach & Associates, Inc.
State: TX
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:
In reviewing my credit reports on XX/XX/2016 I saw that AWA Collections had submitted a claim as collections to my reports. I had never heard of this company nor who they list for representation on the report XXXX. I have never received notice via mail of any debt or bill from AWA Collections or their client XXXX. I called XX/XX/2016 AWA and was told this was actually a debt through XXXX for early disconnection. I called XXXX XX/XX/2016 and was told I never owed them anything as they never honored my original contract of stopping service with my other phone company, I never used their XXXX phone and therefore nothing was ever owed. I then called XXXX XXXX who also stated that there was nothing owed nor had there ever been anything owed even early disconnection charges. Both XXXX and XXXX are mailing me verification of non-debt and neither claims knowledge of the this collections company. At this point I created a cease and desist letter which I faxed to AWA Collections XX/XX/2016 and immediately followed up and called AWA back and informed them of this cease and desist letter, that I would be forwarding this paperwork as soon as I got it and that this was a fraudulent claim on their part and needed to be removed from my credit reports. They insisted that they have bills but would not send me anything. On XX/XX/2016 after having received the cease and desist letter the day before AWA Collections again called me to try to collect on this fraudulent claim. I again explained that not only was this fraud but that as soon as I got the mailed proof I would fax it to them at the same number that I faxed the cease and desist letter to and they said yes. 

Bottom line this is a fraudulent claim on their end, they continue to misrepresent who they represent in this fraudulent claim and they have acknowledged receipt of the cease and desist letter and continued to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in an XXXX in XXXX Hospital in XXXX for a XXXX. After Dr. checked it out He just told me that I should not worry with getting rest should go away. When I went to accounting I was told that I could either pay {$370.00} or provide insurance, since I was unemployed at the time I was covered by Obama care and filled out the forms and filed with them. I got a call last summer from Medical Revenue Service in regards to my bill. I had explained to them the issue and had not been heard until XX/XX/XXXX that received debt verification notice. I gave the notice to my attorney XXXX XXXX and He sent a letter denying the debt and requested some documentation related to my case. I had not heard from the agency again until XX/XX/XXXX, the lady named XXXX called me and informed me that could not get in touch with my attorney He would not return calls either. I informed her about his letter but She denied that they had received it, I demanded her e mail address so I could e mail her the letter but She declined to provide it to me, however asked me to fax it. Agency reported to my XXXX credit bureau as collection a week after my conversation with XXXX. I received another debt collection notice in XX/XX/XXXX. I called the agency and spoken to Chastity who handles my case, She denied receiving my attorney 's letter, when I mentioned her about XXXX debt verification notice which I got in XX/XX/XXXX, She could not answer me how could that happened, reporting to my credit bureaus first, denying my attorney 's letter, and sending XXXX more verification. I now can not get any credit, they have coursed me great amount of XXXX and financial lost. I had applied to refinance my car which would save me approx. {$1500.00} a year on interest, and since I am in XXXX, buying on credit and selling, now I can not apply for credits. I asked XXXX to remove the collection from my reporting bureaus and I will not file for damages, She said that was going to talk to a manager as yet they have not done it yet.

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 2017-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America and their cohorts, specifically XXXX XXXX XXXX XXXX ( XXXX ), have failed to comply with applicable laws as stated within the XXXX XXXX, XXXX Trustee 's Deed referencing the subject property allowing for the lawful sale or transfer through Trustee 's Sale at public auction to the highest bidder on XXXX XXXX, XXXX. Any such public representations to full compliance with applicable laws are not negligent, but fraudulent as the Trustee, servicer, and bank have indicated full knowledge of relevant laws and are required to be knowledgeable of all proceedures and rules related to the loss mitigation and workout processes including, but not limited to, the modification and foreclosure processes. 

Due to the fact the Substitution of Trustee was recorded on XXXX XXXX, XXXX, the same date the Notice of Default ( NOD ) was also recorded, there is no possibility whatsoever the required pre NOD outreach could have been completed allowing for the NOD to be recorded signaling the public start of the foreclosure and property separation process. 

Due to the fact there were multiple pending escalated cases opened prior to the sale date that were unresolved on the date of sale and no suspension of sale had been caused by the bank, the servicer, or the trustee thereby allowing for the sale to be postponed and not completed under a cloud of lack of authority and legality. It should be noted a party may suspend the sale without agreement, consent, or prior approval of the other interested parties if they so choose. If should be noted if no improper sale occurs, no injury or harm may be had or caused to me or any bidders on the subject property. 

All previously mentioned resolutions are desired and mandatory and must include Rescissions recorded for all documents recorded on XXXX XXXX, XXXX and thereafter related to the subject property.

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