BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: GA
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:
On XX/XX/2016, I completed the rehabilitation process of my student loan with XXXX. Rather promptly, XXXX deleted their default tradelines from all of my credit reports as agreed. XX/XX/XXXX, I received correspondence from XXXX ( Sallie Mae ) that my loan was assigned back to them after rehabilitation. This correspondence was dated, XX/XX/2016. I took this as the start of the 30 day clock of notification that my student loan had been rehabilitated and to remove their default status per 34 CFR 682.405 ( b ) ( 3 ) ( ii ). 
On XX/XX/2016, I disputed the Sallie Mae tradelines with XXXX and XXXX. The tradeline was updated on both credit reports ( not sure what was changed ) however the default status persisted. In addition to that, on XXXX a new tradeline was added with the same account number, under the XXXX name with the default status also and tanking my scores! I have since disputed that tradeline which the investigation is ongoing as of today. 
On XXXX, I disputed the Sallie Mae default tradeline on XX/XX/2016. The investigation completed on XX/XX/2016 with an updated status. Like the other XXXX credit reports, the default status remained and is present today. 

The above clearly shows Sallie Mae/XXXX to not only be negligent as the lawsuit filed by the CPFB alleges but also willfully non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper took over my mortgage in XX/XX/XXXX and for several months, was adhering to our loan agreement by granting me the ability to make penalty-free early principal payments. In XX/XX/XXXX I removed the escrow from my loan. My monthly payments decreased. Then in XX/XX/XXXX, Mr. Cooper terminated my ability to make penalty-free additional principal payments. 

The penalty that Mr. Cooper has been charging me since XX/XX/XXXX is disguised ; it is not labeled as a penalty fee. Mr. Cooper is instead penalizing me by misapplying my additional PRINCIPAL payments as extra monthly payments. 

Therefore, I do not get credit for principal paydown. 

Each principal payment is misapplied as extra monthly or triggers reversals of my monthly payment which is then re-reversed and re-applied over subsequent days or weeks. With the tactic of misapplication, reversal and re-reversal, Mr. Cooper delays, by days or weeks, applying additional principal payments to principal. 

It is sometimes even worse. In XX/XX/XXXX, Mr. Cooper completely neglected and refused to apply my additional principal payment to principal. This happened again in XX/XX/XXXX. In a phone call on XX/XX/XXXX, XXXX XXXX XXXX made the correction by applying my XX/XX/XXXX additional principal payment to principal ( 19 days late ), but she did not modify the date to accurately represent this XXXX delay. 

Mr. Cooper 's data from their website does not show the number of days of delay, because when Mr. Cooper applies my principal payments, after taking advantage of the misapplication-reversal-re-reversal delay tactic, Mr. Cooper does not modify the payment date accordingly. 

In each phone call, I say multiple times that I want these payments to go to principal, but they do not. One customer service representative explained that when Mr. Cooper customers mail their additional principal checks to Mr. Cooper, no matter how large the words additional principal appear on the check or stub, the amount will nonetheless be applied as an extra monthly payment. When I learned that, I stopped mailing checks and have since only made payments by phone. 

Summary XX/XX/XXXX Mr. Cooper bought my loan XX/XX/XXXX I took escrow off my loan XX/XX/XXXX My monthly payment decreased from {$1700.00} to {$1200.00}. 
XX/XX/XXXX Mr. Cooper began charging me a hidden penalty by delaying or refusing to apply my payments to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I believe I have been scammed by a Bank of America scammer, I was sent a text asking did I authorize a XXXX transaction through XXXX. NO WAY did I authorize that, I had less than a XXXX in my account and now XXXX of it is gone!!! I have rent coming up in a day and I'm screwed!!! Please help 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 2016-07-03
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ditech took over servicing from Greentree. They did a refi under Harp on my loan # XXXX on XXXX XXXX. On XXXX XXXX they debited my escrow account for the balance owed to me ( {$2000.00} ) because the new loan did not require an escrow. The payment never arrived and during two weeks they kept saying that the check was in the mail and finally XX/XX/XXXX they said that it was probably lost and that I should wait 30 days from XXXX XXXX to request a replacement check.. which I did on XXXX XXXX. At the time they did not say that they had not mailed any of the refi related checks because " the other Company '' did not print them. I found this out after ward on XXXX XXXX when I spoke to a supervisor and asked about the status of ny refund. She told me about the mess and that they were working on the checks that should have been issued in XX/XX/XXXX and that mine would not be reissued until Saturday XXXX XXXX Bottom line : They lied to me and everybody else for three weeks XX/XX/XXXX Did not issue escrow balance refund checks as per closing agreement. 
I told them that I want my check delivered to me not later than Friday, XXXX XXXX. 
Conclusion : Their " error '' can not be justified. I need my money. 
Thank you for your assistance. You helped me before when the Company was " Greentree ''. I believe that they are just as bad. Their customer service letters arrive unsigned within two weeks acknowledging receipt of my complaint and stating that " they are working on it '' Thank you once again!!!!!!!!!!!!!! 

Note : This incident did not happen during the application process, the loan closed normally on XXXX XXXX, 2016. I could not find any of the choices that you offered on your website suitable for this problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XX/XX/2015, I refinanced my home loan with Bank of America. The proceeds for the refinance were wired and the payoff was processed. On the payoff statement, Bank of America advised they would refund any applicable escrow proceeds within 30 days. When I received my overage, it was far less than I anticipated by roughly {$400.00}. Over the span of 3 weeks, I spoke with XXXX people at Bank of America who assured me my proceeds would be refunded to me. The explanations varied from my loan being packaged to be sold which required B of A to over-pay my escrow to a timing of my payoff. It makes no sense why the explanation varied but at the end of the day, I 'm owed a refund. As of today, Bank of America has not only failed to send me my money but waited until XXXX/XXXXXX/XX/2015 to advise that my loan was paid in full. According to HUD, they advised I 'm not entitled to a refund due to the timing of the loan termination paper work. I wish to fill a complaint due to Bank of America 's willful intentions to withhold my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-08
Company: Navient Solutions, LLC.
State: MN
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:
Navient is not contacting my work and disrupting me during business hours, after I have asked for all communication to be via mail. I have offered several settlement options and yet they continue to call. I do not want to be disrupted at work and they are causing a back up on the phone lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient student loan company has been calling me XXXX 4 times a day regarding a loan I co-signed for someone. It 's very irritating. They call with different phone no. 's

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: National Credit Adjusters, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
recieved letter dated the XXXX of XXXX for an old ( 2015 ) debt that needed research from me to find out who it belonged to. letter stated that debt was due by the XXXX of XXXX, funds were taken out of my account without my knowledge or permission on the XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
After several large payments made towards the loan, the balance only continued to increase because of the astronomical interest rates 206.73 % and 425.45 % they charged.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-03
Company: BlueChip Financial
State: NJ
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have an {$800.00} payday loan from Spotloan c/o BlueChip Financial XXXX. XXXX XXXX XXXX, ND XXXX. They are taking {$160.00} directly from my checking account 2x per month XXXX. I have been trying to pay it off but have learned the company is no longer in business. They give another # to call when you call the and that company has no record of me or my account. They took out anther payment again today and it says debit from Spotloan. My issue is they are going to keep taking payments 2x per month until XXXX and there is no way for me to prevent it from happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number is my work phone. I verbally expressed not to contact me at work. Phone calls to my work took place today at XXXX XXXX, also on XXXX XXXX at XXXX, and on XXXX XXXX at XXXX, and on the previous Friday XXXX XXXX at XXXX. I am currently the only working individual in my family. I 'm under enough pressure to supply an income without repeated calls at my workplace where I ca n't discuss personal matters without jeopardizing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original amount of the bills was {$71.00} with   XXXX   XXXX   XXXX   ( Medical ), however the collection agency Receivables manager company is   changing more that was is owed, the original amount of {$71.00} has been paid, however the debt collector is reporting a balance owed of {$99.00} See Collection Agency Information on   XXXX   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 2016-09-29
Company: Receivables Outsourcing, Inc.
State: VA
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 keep getting voice mail messages from Receivables Outsourcing LLC for a XXXX XXXX. Every time I open my phone I have another voice message. I have called the company twice and told them there is no XXXX XXXX at this number any more. I have had the phone number for approximately 4 years. I told the company to stop making calls to my number. I am still getting voice messages from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Payday loan is from XXXX, they have it reported as being opened in XXXX. Have made multiple attempts to contact them via certified mail but it is returned as undeliverable and they have since sold the debt to a 3rd party collector who is now adding on fees and interest to make a profit. Was advised by the BBB to contact the FTC to file a complaint as they have an open investigation due to the amount of consumer complains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: DriveTime
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
When my ex and I we married and did n't have great credit we went got a vehicle loan together. The loan was over {$400.00} per month which was ok when we were married. Once we divorced and I was the only one making the payments it became too much for me to afford. I called and asked if there was anything they could do to help. I asked if I could trade the vehicle I was currently paying on for something less expensive so that I would still have a vehicle and that I would be able to afford. They informed me that they could not help me with changing out my vehicle to make the payment lower for me and that I would have to find a way to still make the payments of over {$400.00} or simply turn the vehicle back in and loose everything I had already paid and be left without a vehicle. I 'm still being forced to make outrageous payments as a single mother of XXXX children with no help or assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have auto payment set up with my credit union to pay my mortgage loan service company. I saw online at the credit union website that an attempt failed on the mortgage payment but it looked like enough funds were in place for the payment. I called the mortgage company and they reported the payment was cleared so I thought the check cleared. If they would have reported a returned check I would have paid on the phone on the XXXX of the month. Meanwhile payment is considered late on the XXXX of the month. Later I saw the check was returned but by this time I was past the grace period and had to pay a late fee and returned check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Penny Mac purchased me Note from XXXX, At the time my loan was sold XXXX had agreed to terms on a loan modification. Penny Mac then required me to resubmit a new package and I was turned down. It was then requested I resubmit which I have done several times and have not had any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
National Recovery AgencyXXXX. XXXX XXXX, PA XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NATIONAL RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Disputed original claim for acct. XXXX with a certified letter within 30days of receiving Capital Accounts LLC demand letter XXXX/XXXX/2015 for {$210.00}. I asked for validation and never got it. I have my letter and documents of proof certified, signed for that I sent XXXX/XXXX/2015 and a Capital Account 's representative signed for XXXX/XXXX/2015. I do not owe this debt. Even if they " proved I did '', I should have still be given a response and not been sent to all the credit bureaus within 5 days. I want the account deleted off my credit until they legally respond to my validation letter. Give me a chance to respond without sending it to the credit bureaus, the whole point is to take my money is n't it. They are in violation FDCPA by not responding to my valid letter sent within the 30days of their claim. I would like to resolve but they need to follow FDCPA guild lines and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had medical assistance and my dad 's olds jobs health insurance when I had my son. At XXXX. The state insurance was for baby delivery a baby doctor appointments. My insurance did not cover it and now its in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: HI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
on XXXX/XXXX/16 i purchase a MONEY GRAM from Money Gram Inter. The person i sent it to did not get it and when i phone the company for a status i get the run around. The company states that my transfer is under review and no one can give any answer to when or how my money will be available. This is not right for Money Gram to hold my money for any amount of time and i am unable to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
barclays decreased my credit card limit, I submitted a fraud claim and I asked if theres any way to reinstate my credit limit before the fraudulent transaction and the representative told me to wait after the result of the investigation Ive been waiting for a long time and up until now I have n't seen the result and no correspondent have been mailed.

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 2017-03-10
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XX/XX/XXXX I was staying at a friends house while waiting for my apartment to be vacant. I had to make two trips to the XXXX due to XXXX. While there I gave them my father 's insurance that I am listed on. In XX/XX/XXXX I moved back in with my parents and submitted a change of address, at this time I still had no received any type of written communication about money being owed. Fast forward to XX/XX/XXXX I tried to purchase a new car and it said my loan was denied due to derogatory marks on my credit. As I was looking at it, it shows that my insurance was never billed and I never once received any form of communication from the collection facility. I have since contacted the hospital and they said they were going to review the account and make sure to bill my insurance. Since then the late payments have been removed but the derogatory marks are still there. No one from the collection place has tried to contact me regarding any account that I have or that I could dispute it. The hospital is saying that it is up to me and the collection company now. When I have tried to contact the company myself the customer service gives me the run around and will not help me with any answers.

Company response to consumer: Closed with explanation