BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Mothers mortgage went into default due to hardship. I contacted Wells Fargo requesting the steps to assume or modify the loan and explained my intent was to keep the home. I spoke with numerous people at Wells Fargo. I was informed that we can apply for a modification and or other alternatives in order to keep the home. They assigned a Home Preservation Specialist by the name of XXXX XXXX. She started the process and then stated that because the mortgage is on my mothers name it could only be done with her. She stated so it ca n't be done. Several calls back in forth no success. I contacted Capital Law Center XX/XX/XXXX they received initial payment via invoice even up to XX/XX/XXXX, and seemed as if they were getting the process rolling as I thought, until I find out I was scammed, with no return calls or notices. Next day of XX/XX/XXXX, received an advertisement on foreclosure, concerned I searched the internet and found out that the house will be auctioned on XX/XX/XXXX. I wanted to assume mortgage under my right according to The federal Garn-St Act of XX/XX/XXXX. The Act prohibits enforcement of a due on sale clause in certain transactions such as : a transfer from parent to child. They failed by not allowing me to assist in keeping the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been going thru a divorce case for the past 3 years and last year I had to start paying spousal support of XXXX per month. I stopped going to school and had one year of my XXXX left, but with all the XXXX and XXXX ca caused by the divorce I was not able to go forward. the fed loan serviceing office has been on my case since then and demands that I start making a payment, I exp explained to them that right now I cant make any payments, or if they can refer me to a place where I can work as a XXXX ( to qualify to have my loan forgiven ) I might still go back to school once every thing in my personal live settles down. 
I also owe money to the irs, since my spouse refused to file taxes with me jointly. I keep being bothered by the fed loan servicing department and they are not not trying to consider my situation. please help me. thanks. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I became behind on my last months mortgage which was due XX/XX/XXXX. A XXXX unidentified call kept showing up on my phone - It turned out to be my mortgage company Suntrust - I talked to them and told them I had previously requested a HAMP package from their XXXX office - they stated they had to ask me to pay the amount of last months payment asap and that they would call EVERY DAY until they were told by the HAMP office that they did not need to or until I paid it. They have called every day sometimes more than once a day since. I consider this harrassment. I have already sent my paperwork for the HAMP into the Suntrust office via mail. Please help me stop this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I American Education services continues to call and email monthly when my payment is due. I have attempted to contact them and complain to them as they demanded that I make 3 payments from XXXX XXXX 2015 thru XXXX/XXXX/2015, which have been made when I called to discuss this with them they would not call me back as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: ALCHRO INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since 2013 first Federal and collections has been reporting negatively on my credit report. I have sent three letters asking for validation and I have yet to receive a response. I have also attempted to contact the phone number and yet I 'm unable to reach someone. I have never seen a XXXX in 2013, or a XXXX in the said listed city as I was not living in the city. Please help me correct this information.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30
Company: CITIBANK, N.A.
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I have an account with both Citibank XXXX and Citibank NA. 

On XX/XX/XXXX, I initiated an international wire transfer from Citibank XXXX worth XXXX from my personal account, to my Citibank NA account. 

Fees : XXXX ( debited from my bank account in XXXX , NOT THE BALANCE ) Rate : XXXX for XXXX Balance : XXXX Incoming international wire transfer fee : XXXX Expected Balance : XXXX However, the balance credited to my account was {$9900.00}. It seems that an additional fee was levied. I am 100 % sure that Citibank XXXX did not charge any other fees because the balance sent was exactly the figure above. 

I called Citibank XXXX and they indicated that an intermediary bank was used, which, in this case, was Citibank New York. My branch is in California. The charge in this case is {$27.00} from what the customer service representative told me.

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 2016-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After filing a dispute with Experian for erroneously reporting XXXX dismissed bankruptcies, they refused to delete them. The bankruptcy court does not verify or report to the credit bureaus. Sending someone to the courthouse to check public records or using an Internet service such as XXXX is not a legal validation for credit reporting and violates my rights under the FCRA. Experian can not provide my signature and legal validation of these bankruptcies. Additionally, my Experian credit report now shows a comment added on XXXX mortgage account ( XXXX XXXX ) that states, " Chapter XXXX Bankruptcy Dismissed on XX/XX/2016 '' which is completely FALSE and INACCURATE information, another violation of my rights under the FCRA. I request these bankruptcies and derogatory, false comments be deleted from my credit 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 explanation
Consumer complaint received 2016-10-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted a re-certification application for my Public Service Loan Forgiveness program and for a change in my repayment plan. Fedloan Servicing denied my application because of " the use of an invalid signature ''. However, I definitely signed the document, and so did my wife. We did n't change our signatures. I think this denial is baseless, merit-less, and a stalling tactic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by Equifax that the dispute of the information from XXXX had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from XXXX had been added back into my account, and dated as being reported on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent several certified letters to XXXX, XXXX and trans union multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!

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 2016-03-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear CFPB ... .My complaint is with Cardinal Financial Lending , XXXX XXXX XXXX or Sebonic Financial ... XXXX XXXX ... after applying to this lender for refinancing a mortgage I decided to cancel the loan. The loan was not paid off and did not close. When looking at my bank statement, XXXX I found they charged my account an " Expedited Payoff Service Fee '' without my permission on XXXX/XXXX/16 and XXXX/XXXX/16 ... {$30.00} each time ... they could have gotten this info for free but because they " Expedited '' it I was charged {$30.00}. This was done without my permission and I am requesting a refund of these charges ... thank you for your help ... XXXX XXXX, XXXX, CA. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a variety of Federal & Private loans for myself & also Parent-Plus loans for my son. ( my ex-husband refused to co-sign or help ). These loan balances now exceed {$80000.00}. I am XXXX years old & this loan balance exceeds my annual income. Navient is the current loan servicer for ALL loans. I went back to school " online '' to finish my degree when I was XXXX & my children were graduating high school, which I never had time to do, working full time & raising my family. Like a mortgage loan ( & these are often just as much & certainly more risky ) these loans did NOT qualify me to be actually able to repay them. How can these loans be given so freely, when the repayment is worse than federal taxes?! The money is given too easily. I was not then & certainly not now qualified or able to repay all of this debt. The Federal government should reduce the interest to zero & cut balances in half to prevent a certain national financial crisis, which will be just as bad as the XX/XX/XXXX mortgage catastrophe. I graduated in XX/XX/XXXX, right before the " crash ''. I was unemployed for two years & then finally took a salary of $ XXXX in XX/XX/XXXX. By then, I had used my savings & took withdrawals from my IRA to pay bills & student loans. the 401K should have a loophole to remove penalty & taxes if used to pay these loans down. The Government has far too many restrictions. I had to have deferments & interest only payments resulting in ever increasing principal balances & higher future monthly payments. Since then, now ALL Of my savings are gone, my IRA is further depleted. My loans are all on forbearance yet again. My future is bleak. As a consumer & provider for my family & myself my retirement will be non-existent & future is so very restricted. These repayments are ALL wrong. The parent-plus loans should be REMOVED from my social security #. This is NOT right. There should be an age limit, when ALL loans are to be forgiven such as 60 years of age to allow recovery. THE US GOVERNMENT wastes money on frivolous travel, expenses & overseas projects. These loans should NOT be a source of revenue. They are damaging lives & the economic stability of the Country. The so-called repayment plans are worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied and was approved for a Capital One SavorOne card on XX/XX/2019. While I was approved for the card there was a specific feature of the card ( 0 % intro interest rate for 15 months ) that was advertised but removed from the offer. I was not informed that this was a variable part of the offer, my belief based on advertising and the terms of the card at application that this introduction rate would be part of the card if I was approved for the card. 

I called capital one and indicated to them my issue, they points to this line in their Terms and Conditions as reason for removing that specific feature within the overall offer : " With respect to this offer, I acknowledge that : I am not obligated to accept the card or pay any fee or charge unless I use this card. 
Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards. '' " This offer '' seems to indicate the entire Credit Card offer being able to be declined or accepted, it does not indicate anywhere in the terms and conditions that specific features of the card or offers of the card could be removed but the card could still be accepted. Had I know this I would not have applied for this card to begin with. This is further supported by the fact that things that are variable ( the overall interest rate, and the credit limit are advertised as variable and not set in stone ). 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
stop sending me emails about mortgages? iam a cash buyer, having lost ahome to fraudulent forclosure with over 50/ % equity in the house and stole by wachovia bank /wells fargo bank with over XXXX cfpb case claims against this was deliberate govermant act to decieve XXXX from the penshions and will fight for justice until the end of life, the cfpb have fined these banks for fradulent mortgage activity and stole home to order $ $ $ $ $ $ this was organised by the govermant as wells fargo bank was forced by the govermant to take over wachovia bank then the govermant told the bank what to do Fha insurance the cfpb have not passed any monies that they have collected from fraudulent activity committed by wells fargo bank you think this will go away and you blatently robbed XXXX people of there penshions and i hold you totaly responsable for your action it will come out in the wash? thanks 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 2016-08-11
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My federal student loans are held with PHEAA, d/b/a Fedloan Servicing as I am currently on an income-based repayment ( IBR ) plan and participating in the Public Service Loan Forgiveness ( PSLF ) program. 

On XXXX XXXX, 2016 I submitted my annual IBR application recertifying my income information via the Department of Education 's XXXX website. However, I later realized that when clicking through the certification, I had accidentally not checked my status as " married '' and had instead selected " single ''. Upon realizing my mistake, I then submitted an IBR application " income recalculation request '' to correct the error on XXXX XXXX, 2016. The error results in an increase of {$100.00} per month in additional payments. PHEAA denied the recalculation request on XXXX XXXX, 2016. I then called and spoke with a customer service representative who instructed me that the denial resulted from a system process that automatically denied the request due to it being a " recalculation request '' and explained that if I instead submitted a new annual certification of income eligibility, they would be able to process the correction to my marital status. On XXXX XXXX, 2016 I submitted another annual certification, which PHEAA denied on XXXX XXXX, 2016. 

I am grateful for the opportunity to participate in IBR and PSLF as a way to manage my debt, and I also appreciate the difficulty faced by PHEAA in managing a large and complex repayment program. However, at this point I have no alternative but to escalate what should have been a simple correction to the CFPB for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have an account that was placed with Midland Credit Management for an XXXX credit card. On XX/XX/2017, I set up an arrangement with Midland to pay off the debt via an automatic charge of {$9.00} per month for 120 months. I have the letter here stating that they agree to these terms and conditions. 

I receive on average 4-6 calls every day concerning this debt from Midland Credit Management. It has surpassed the point of harassment. 

Today, I decided to call back and ask, " What do you want!? ". I was informed by my " Account Manager '' that my account was in the pre-legal status and that he would not guarantee that my account would " stay in his department '', which one would only assume, based on the stated status of my account, that it would be transferred to their legal team or a lawyer. I asked him if he was stating that they were no longer willing to accept my written agreement, and he stated he would not confirm nor deny, but that my account was in the Pre-Legal status and the only way that I would be guaranteed that it would not be sent to another department is if I made minimum {$100.00} per month payments. 

I consider this a threat to pursue legal action on an account that I am actively paying on, and am also harassed by them on a daily basis. 

PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I reported fraud regarding my credit card to Citibank on XX/XX/2017. 
( Someone had managed to cancel my card and asked to have new card sent to them in XXXX ). I was told by Citibank the card would be cancelled and a new one would be sent to me to arrive the next day. The next day when no card arrived I called back and they stated that the new cards were still shipped to the person committing the fraud and that they had used them to purchase goods at XXXX ( XXXX at Citibank Fraud # XXXX call XXXX ( for authorities only ) ). 
XX/XX/XXXX received charges from Citibank from XXXX in XXXX XXXX for {$380.00}. 
Spoke to XXXX XXXX, XXXX Citibank Fraud. She says the charges previously reported as fraudulent from last card were carried over for " accounting purposes '' to the new card. 
She also states that since " they were never before reported '' for this card " it may take 1 to 2 billing cycles to resolve '' and In the meantime I may accrue finance charges and interest until the investigation is completed. 

CFPB- I 'm not sure if they have broken any laws or regulations here, but my instinct is that beyond very poor business practices they have! 

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 2015-09-24
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Due to some transactions that were double billed by a company XXXX, Suntrust hit me with over XXXX overdraft fees in a less than 2 week period. I 'm happy to eat the costs of some of these transactions, even though they are not my fault, but would like suntrust to be reasonable in that this amount is excessive and the transactions should not have been approved in the first place

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