BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-16
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ditech financial has reported to credit bureau I owe Ditech {$38000.00} Ditech report to XXXX as late and charged off account I have sent them latter asking original doc of this account with my signature. Ditech has not provided me with my signature that I own this debt, but they have send me public record on my current mortgage account from the County. I also have asked them to produce doc Ditech claim to this mortgage loan. they have not. I consider this is a fraud please Investigate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Lockhart, Morris & Montgomery Inc.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collector did n't want to give me address so I can mail in payment said I have to pay the whole thing they would take payment with out a large deposit. And have repeatedly call my cosigner 's mother and sister and threatened to take there pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: The J. G. Wentworth Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originally submitted this to the XXXX and the Georgia Department of Banking and Finance. The GA DBF responded that they had no jurisdiction, and recommended that I contact you. The original complaint follows : XX/XX/XXXX I moved to XXXX GA from California, and purchased a home. It was initially financed by XXXX XXXX. For the record, I have made every payment on time, without fail. XX/XX/XXXX J G Wentworth apparently purchased my loan or purchased XXXX XXXX. Since that time, I have had nothing but trouble with Wentworth. I am a XXXX Veteran, and as such, I pay no property tax to XXXX County. I have furnished Wentworth with the appropriate documentation certifying this. Today, for the fifth time, I was on the telephone with Wentworth, trying to get them to understand that I pay no tax. Why, you might ask, was I having this conversation? Once again I got my payment notice, and ascertained that my payment was going up, because of an escrow shortfall. The shortfall was due to the need to withhold for property taxes. After spending 25 minutes on the telephone with Wentworth 's representative, I asked to be transferred to her supervisor. After being on hold again, this time for ten minutes, a person purporting to be a supervisor came on the line. I explained to him the circumstances, and that I could not seem to get through to his representative that as a XXXX veteran, I do not pay taxes. His statement to me was that the law required them to hold in escrow an amount to pay taxes to XXXX County. By his own admission, I have provided them with the appropriate paperwork, and they have also spoken to the Tax Assessor for XXXX County, to the effect that there are no taxes due on my property. Also according to this " supervisor '' if Wentworth does NOT pay anything to the Tax Assessor, any money held in escrow would have to be refunded to me. I asked him why, when he had all the documentation necessary to verify that I do not pay taxes, would they then withhold an extra amount to taxes. His answer was that the law required them to. After chasing this circular argument for several minutes, I asked to speak to HIS supervisor. I was told that he could n't do that. At this point, I was so frustrated that I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was in the process of getting a loan on a piece of property for investment purposes. I was approved by Bank of America for a 15 year loan of {$70000.00} and a rate of 4 %. After the appraisal I was instructed by Bank of America to do repairs to the exterior deck railings before we could close. I proceeded to repair the railings at the cost of {$750.00} labor and material. After completing the rails I was informed by Bank of America, according to their underwriter, that I needed to get a road maintenance aggreement form signed by all of the property owners that had a building on the entrance to the property. I own the property adjacent to the property we are trying to purchase. The owner of the warehouses south of the property refused to sign the aggreement stating it would decrease the current value of his property. to date I have spent {$750.00} for the survey, {$650.00} for the appraisal and {$15.00} for the credit reference. At this point nothing has happened and the loan is in limbo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: Delinquent account

Complaint:
Information that is XXXX years old is still on my credit report. I have filed a dispute with the XXXX, but the information is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for Bank of America to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to 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 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have been receiving poor customer service from Bank of America the whole time they have been my mortgage loan lender. I purchased my home on XXXX for {$610000.00}, which was split into XXXX loans- {$490000.00} and {$120000.00}. Within a year of purchase I unfortunately was going thru divorce and bankruptcy ( Chapter XXXX ) proceedings ; both concluded in XXXX XXXX. I also had initiated a mortgage loan modification prior to the Court granting the Chapter XXXX Bankruptcy in XXXX XXXX. My mortgage loans were included in the approved bankruptcy. However, Bank Of America did not grant any loan forgiveness or principal reduction. Much later, on XXXX XXXX, XXXX, a loan medication was approved by Bank of America consisting of adding late and penalty fees to my initial XXXX principal mortgage loan of {$490000.00} mortgage loan resulting in a {$28000.00} increase ; XXXX principal balance of {$520000.00}. The terms included an adjustable interest rate change for the following 8 years from 2 % to 5 % and a balloon loan of {$140000.00}. Bank of America was threatening to foreclose my property and out of fear I agreed on the outrageous loan modification. In XXXX XXXX, I requested a loan modification, which was denied on XXXX. 
As of XXXX XXXX, XXXX, I have received a yearly mortgage loan payment rate increase, which has caused me significant financial hardship and to accrue a lot of debt. On XXXX, I advocated for principal loan balance reduction, as I had calculated that I had paid almost {$300000.00} between the XXXX mortgage loans ; however, my mortgage loans only had a {$22000.00} balance reduction. My pleas and supportive evidence were ignored and I did not receive a principal mortgage loan reduction, interest rate reduction, and/or monthly payment reduction. 
At this time, after a nine year period of paying my mortgage, my balance of loan is {$440000.00} ; only {$44000.00} ( 8.9 % ) decrease in nine years. I am not at all close to paying 30 % of this mortgage loan, which is due to how Bank of America has processed my mortgage loan and their unwillingness for a reasonable loan modification despite this debt being included in my bankruptcy. 
In less than a month, my mortgage payment will increase from {$2700.00} to {$2900.00} and I am not sure how I am going to be able to pay my mortgage on a monthly basis. If I would have been granted a reasonable modification, I would not be having this severe hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
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 was conned into consolidating my loans at a higher interest rate. I was not aware of the significance of this. My payback is much more than desired. Its a rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XXXX XXXX /navient are not reporting my payments on the credit bureau just only the balance. So when I apply for a loan they tell me that I do not pay my student loans ( XXXX XXXX / navient ). XXXX XXXX /navient loans automatic comes out of my checking account each month for the last 4years. Please Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX, I got a joint loan with my now Ex Husband. I was and still am primary on that loan. In XXXX we divorced, In my divorce agreement it states clearly that I 'm not in anyway shape or form responsible form this property. So quick claimed it to my ex husband. All of this all occurred in XXXX. Fast forward to XXXX. 
2 years after my divorce. My Ex Husband Modified the original loan " which I to this day am still primary on the loan ''. He, without my knowledge, consent, or signature filed it and it was Granted by Chase Bank. I am a single mother of XXXX who until a few days ago " XXXX '' had no idea he had done this. He modified the terms to 540 months on the loan with a fluctuating interest rate. I finally after 7 years of divorce am able to buy my own home but due to this modified loan I cant do anything and Chase is telling they did n't need my signature, constant or knowledge. They said since he has a quick claim deed from me to him that they were able to do that. But I 'm still on the loan yet all the terms have changed. Yet I never agreed to them. 
How could they do that? And why cant they take me off the loan since I have n't agreed to any of the new terms? I need this looked into please its preventing me from continuing my life. I cant even buy a car. 
And now I stuck with a 45 year Mortgage with 4.785 % that fluctuates yearly. I 'm XXXX and do n't know who to turn to. 
And chase says my ex can do whatever he wants to because of the quick claim deed but I cant do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Individuals from Student Assistance Corporation have begun calling me, asking for me by name and saying the call is regarding a Navient Student Loan. I tell them that I do not have a student loan. They then ask me to give them my personal information. I refuse to give my personal information so they say the calls will continue. On XXXX XXXX, 2016, at XXXX. I received a call from them XXXX. I called them back to again tell them I do not have a student loan and asked for their address. The lady refused to give me an address and insisted I give her my birthdate. She told me it was a Navient student loan. I used that information to look up the address and send letter telling them I do not have a student loan, do not call me and to send and further communication in writing. They received the letter on XXXX/XXXX/2016 ( USPS Item # XXXX ). The calls have continued with six calls on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
on XXXX I sign up with XXXX XXXX XXXX XXXX XXXX Al XXXX for assistance in help me with the payday loans.They sent nofication letters to payday loan companys, to provide validation of claim in pursuant of Fair Debt Collection A01 15 USC 1692 Section 809, ref the case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX, Mi XXXX was nofity.They did not Validation.Now they are pursing they with a collect agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage from CCO Mortgage XXXX to help my sister purchase a house. The amount approved was not enough so CCO Mortgage did a second mortgage from Charter Bank. We did not know that the XXXX were the same mortgage company. My sister could not afford to pay the mortgages because the interest rates were so high. We had to apply for a modification. After a lot of complications, CCO approved the modification although they charged a lot of interest and did not do anything about the second mortgage to Charter Bank. So, my first complaint is about CCO Mortgage. While this modification application was pending, Charter Bank sent a notice that its second mortgage was in default. They said nothing about a chargeoff. Later, Charter One send us a letter giving us two choices, one to pay 70 % of the balance and they would chargeoff the 30 % and the other to pay {$200.00} per month with no threat of a chargeoff, only that the {$200.00} would continue until payment in full. A copy of is letter is provided. Then, XX/XX/XXXX. I applied for a refinance of my home and was rejected because the credit report showed a chargeoff of the loan from Charter Bank. Charter Bank, now saying they are Citizens Bank, state that they charged off the loan XX/XX/XXXX The bank reported a chargeoff to the credit bureau but did not in fact chargeoff the loan but continued to keep it active charging interest so that the {$200.00} per month was applied solely to interest. A copy of a statement showing the interest charged is enclosed. It is my opinion that CCO Mortgage knew that my sister could not afford the mortgage but financed it anyway and then they created a second mortgage, which was really with the same company, to illegally put more money in their pocket and intentionally create a situation which we could not afford. They should have turned the purchase money mortgage down. Then Citizens Bank, acting as Charter Bank, reported the loan as a chargeoff without notifying us, and without actually charging off the account. The letter, copy enclosed, led us to believe that there would be no chargeoff if we paid the {$200.00} per month, which we paid faithfully. We have contacted Citizens Bank and requested that they reverse the chargeoff. They refuse to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Enhanced recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against enhanced recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2016-02-04
Company: Pinnacle Credit Services, LLC
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Pinnacle Credit Services collected {$100.00} from me on a XXXX account in 2013. 
There is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Please see enclosed letter for detailed information. 

Lender approved me for a loan based on my credit score/history. School does n't want to certify and disburse loan because of my current XXXX status. I am a small business owner currently in adjustment of status a process which takes about 1-2 years because of backlog.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: SLM CORPORATION
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX to XXXX repeated calls per day even after advising them to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I started schooling in XXXX XXXX at a private university- in order to pay for my education my parents ( mother, specifically ), co-signed on a private loan with Sallie Mae , with me as the primary borrower. During my time studying at XXXX College, from XX/XX/XXXX-XX/XX/XXXX, XXXX additional loans were taken out under the same borrower and co-signer, until I graduated in XXXX XXXX with an XXXX XXXX XXXX. After the grace period with Sallie Mae had ended, I was getting hit with large withdrawals from my bank account ( around XXXX dollars monthly ) that I was unable to keep up with, especially due to the fact that my cosigner is unable to help me make monthly payments. In XXXX XXXX I was finally able to negotiate lower monthly payments on the XXXX loans ( Sallie Mae refuses to consolidate ), I began to realize that these payments did nothing to affect the principal balance and was only covering their immensely high interest rates ( between 8-10.5 % on each loan ). I am looking to attain a reasonable rate that allows me to actually pay off over {$47000.00} in loans ( across XXXX loans ) in my name alone, since my co-signer is unable to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2016, I received a debt collection letter from a company called Capital Accounts in the amount of {$310.00}. The only information provided was the name of the person retained by them, XXXX XXXX XXXX. On XX/XX/2016, in a written letter, I requested proof of the debt, the amount, date and time when incurred pursuant to the Fair Debt Collection Practices Act. On XXXX, I received a XXXX debt collection letter from Capital Accounts, ignoring my request for more information as outlined in my XX/XX/2016. In this XXXX letter the amount went from {$310.00} to {$310.00}, no explanation for the increase. Also there was included in the letter XXXX sentence that was threatening and very ominous sounding, " Do not ignore this letter. '' I am not sure what is meant by that sentence but it does have the effect of scaring me. I want proof of the debt and to date I have not received any proof despite requesting it. Capital Accounts should comply with the law when it attempts to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I applied and received a student loan from XXXXAES. My husband was the cosigner and the only one with income. He was receiving Military retirement and XXXX. He passed away on XX/XX/XXXX. I am unemployed and have been since XX/XX/XXXX. I have spent the last 10 years taking care of my husband. At the present time, I have limited income and not able to make payments. Since I have been out of work for so long I am having a hard time finding employment. I contacted AES they were going to send me a form to complete and return to them for forbearance. I never received the form. I would appreciated any assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13
Company: AES/PHEAA
State: FL
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 was told in may that I would be getting my new bill on XXXX XXXX and that two weeks after that I would be notified on my new repayment plan under repay. On XXXX XXXX, 2016 I still had not received my forced deference bill and called to find out what was going on. I was told by employee XXXX that I did have a bill but that It would not post to my account and as soon as I paid it I would then get my new repayment plan in about 14 days. I paid the {$5.00}. Then On XXXX XXXX I got a bill for the amount owed. I again paid the amount again which if I had been given the correct information I would have only paid once. Aside from the fact I was prohibited from making a payment on a payment plan now I can not trust the information that I am being given by Fedloan servicing. The customer service personnel need to be properly trained not to give information if they do n't know.

Company response to consumer: Closed with explanation