BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: Navient Solutions, LLC.
State: CT
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 ended taking a year off for my own mental and physical well-being. This happened during the entirety of XXXX. Now, as it was, my grace periods expired during that time, and it reflects as me being delinquent I believe past 90 days on a host of my different XXXX Student Loan Accounts. 

I came back to school in XXXX and graduated in XXXX of XXXX. I then did everything I needed to so as to reflect this on my credit report. However, it has proven very tough to get these " delinquencies '' removed. I am self-employed, and am currently working on fixing my credit. I was young, silly, and very financial uninformed, and unfortunately made a lot of mistakes that I accept. However, something like this is making it real hard for me, as a self-employed individual, to rise up from the ashes. This is something I can not have affecting my financial position, especially considering that I intend to pay off the entirety of my student loan amount. I was just unfortunately caught up in a real unfortunate situation and I would like your help making this right. 

I was a first generation XXXX student on almost a XXXX. I sadly did not have anyone to guide me financially during the times I made my financial mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a followup to case XXXX. Per this case, Financial Corporation of America had stated the debt was valid and that an itemized bill ( which was part of my original request ) would be sent to me. I never received the itemized bill. I had not pursued this issue, as I had not received any correspondence. Last week, I again received a collection notice without any of my original concerns being addressed. Today I received a bill from Financial Corporation of America 's customer 's service providers as well which also did not detail the billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint with the CFPB in regards to Bank of America. I am filing another complaint against them for the response I received. Initially I had included the 2nd mortgage in my bk which was discharged. Later I was told that the lien for the XXXX remained in tact and that I was responsible but the property was not. That I could live there, not pay -- - but if I sold or moved, I would have to. 
My complaint with BOA is that when I called to resolve this issue, I was told that unless I short sold the property BOA does not settle balances, does not waive fees and does not wave late charges. 
I want to stay in my property, I do not want to short sale. I can not pay 7 years of late fees, and 7 years of past due interest. They are trying to charge me $ XXXX in fees. If I am not responsible for the debt, why is it me they want to charge these amounts to? 
MY ORIGINAL COMPLAINT # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Armand Law Group, PLLC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Came home from work, and my roommate hands me my mail. I noticed a strangely colored and labeled mail, so I opened it first. It 's from a law group or agency, stating that I owe the amount they requested in the letter. If they fail to receive the payment requested, they may or may not pursue legal action to recover the debt. And if they do decide to take legal action, the issue will be forwarded to one of their attorneys in my local area. They are accepting payments through a given website and phone number. How they failed to convince me that this is real, is that they require my account number. I 've never been in trouble with the law regarding any persons or business, so I do n't understand how or why I received this letter 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 explanation
Consumer complaint received 2016-10-14
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been receiving recorded calls from this number for the last several months : XXXX ( Municipal Services Bureau - recording directs listener to call XXXX ). The calls have been harassing and continuous at all times day and night - last night we received 5 calls between XXXX and XXXX. Internet search of the number indicated this was a collection agency serving municipalities for unpaid parking tickets, etc. We do not have any such debts. Return call to both numbers gets music - no people. We need help to block or stop these harassing calls. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit report XX/XX/2016 I noticed an unfamiliar collection account in the amount of XXXX. 
I called the listed CO to inquire. It was a co pay from a hospital visit that I was told would be taken care of ( I work at this hospital and was at work at the time of being seen ) Reluctantly I paid it and asked them why I did n't receive notice of this account .... They insisted they sent bills and notice but when i spoke to the hospital they had an old address .... 

XX/XX/2016 CO account updates to paid and score goes up a few points. 
XX/XX/2016 I re check my credit report and for unknown reason centeral finance reported again this month as XXXX balance thus re-aging the account. 

Several FCRA violation!! 
I have uploaded a picture showing the new reporting date

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 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a loan for over 9 years for my mortgage. The loan started with countrywide and fha (Now Bank of America) and was a predatory loan with high rates and an extremely high pmi of $XXXX per month. I was promised by the persons doing the loan XXXX and XXXX that they would look for a better product after signing. however, 90 days afterward they XXXX went into hiding. Once XXXX was reached, he stated "they don't even do those types of loans anymore" they were very bad.  I am highly confused as to how the FHA would allow for such a loan myself.  Fast forward ...I have requested numerous times to have the pmi dropped and found out from XXXX of the reps at Bank of America that the pmi should drop off after so many years. Recently I tried to request again and was turned down by BOA.  The pmi is now $XXXX per month and has caused me problems financially in the past.  I am simply requesting that the pmi be dropped to zero due to the age and monies already collected or lowered to a more manageable amount of
less than $200 per month. This is not a refinance request but a request that predatory practices on the pmi be stopped. No one pays the amount of a car payment or more for a monthly pmi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Dear Sir/Madame
I applied for a loan with Bank of America, XXXX didn't explain for me that I will be asked to repair the house even before my loan approval. Also, I have been mistreated by my loan mortgage specialist XXXX. 
After the XXXX appraiser report I contacted XXXX the boss XXXX. I explained to him my situation, and he proposed to contact the appraiser agent to talk about the house. Then, XXXX told I will need  to fix just the safety issues which are fix the wood floor in the living room, fix the ceramic flooring of the kitchen and the bathroom, the XXXX rail for the stairs to the roof, and replace the deck. Even though, it was hard to get in the house because of the seller's bank kept changing the lock of the front door, I fixed all this issues. Therefore, I did all requested repairs.
I got surprised from the XXXX appraiser report, because it's asking me to fix some ridiculous thing such as facing still missing, not finishing drywall.  The real problem is XXXX got this report on XX/XX/XXXX  My real estate agent XXXX kept asking her for it, but she kept telling him she knew nothing about it. She released the report just a few days before the closing, so I can do nothing . By her actions, she took away my right to make a decision about something very important to me. I mean, by hiding this report until the last days, she put me in hard position. Now I don't have enough  time to do anything about this matter.
In the end, I've fixed what I have been told to fix.  XXXX hurt the feeling of my real estate agent XXXX and mine as well by treating us like we were in a primary school on the XXXX century. Also, she made me lose my money, my work, the help of many friends gone for nothing, and my time as well.

The appraiser inspection with evaluated the house XXXX more than the loan priceXXXX$.
 I spent for it almost XXXX plus I paid down payment of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
My issue is with capital one gm flexible Earnings card. Everytime I call and make a payment on the automated system and its time for them to provide me with a confirmation number, the automated system " conviently cuts out, '' and I 'm not able to hear XXXX of the numbers /letters. At first when this occurred I honestly believed it was a system error but this has happened EVERY single time for months. I 'm starting to feel like this intentional on the credit card companies part nc there 's no way it could happen 10 consecutive months in a row. Its almost like they do n't want you to have the correct confirmation number so if something goes wrong you wont have proof you made a payment. I 'm usually an optimistic person but this has happens way to many months in a row for it be a system error everytime. Makes you wonder ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Phone voice mail call received on XXXX XXXX from a " XXXX '' said he works for a company " First Source Advantage, LLC '' in regard to a unpaid debt. He left a callback number XXXX and a case number XXXX. 

I am a federal employee and have been involved in XXXX data breeches over my carrier. My SS number was used in a fraudulent tax return in 2013. 

I researched this company and it has been associated with fraud. Contacted FBI and they referred me to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit card
Issue: Other

Complaint:
After reviewing my credit report, I 've notice that I hand a credit inquiry from sterling jeweler. In XX/XX/2016, I sent a letter to Sterling Jeweler requesting that they investigate the inquiry and advised them that it was I that had made the attempt to get a account with their company. I received a letter back from XXXX from customer care department in reference to my letter ( RE : XXXX ) stating that on XX/XX/2016 it was attempt to receive credit online and that by signing the credit application I authorized the inquiry. Again after disputing this item, continually asking for more proof that it was in fact I that made that request, I received nothing. No proof, just a representative telling me I did. I 'm very shocked how in this day of time, how can a company not show proof that someone is utlizing someone else 's identify to obtain a account especially being that this is over a computer where anyone can claim they are that person. Identify theft thru a computer system is very known and used by hackers or anyone trying to obtain something in someone 's name. Also I would like proof of my signature on the application because I guarantee it is n't not mine or something I authorized.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have received credit card application mailers once a week for the past 5 weeks from Capital One. Each mailer says I have been prequalified for the offer. I decided after the third mailer that I should apply since they continue to send them to me. I applied on-line which was the only option on XX/XX/XXXX because I am a current Capital One customer and assumed they would not mail me something I would not get accepted for. Capital One rejected my application which hurts me financially since they did a hard credit pull. I followed up immediately and asked why they rejected my application - I have three open lines of credit on my credit report to include an auto loan with Capital One and two student loans, each of which I have been paying on for 12+ months and have an excellent payment history. Capital One has access to my credit through the auto loan. I have a full time software development job and my earnings for 2020 are high. The rejection letter says I have too high of balance on a revolving line of credit but I have no revolving lines of credit - The letter even states that 'Lack of recent bank/national revolving information '. Customer service on this issue has been poor. I received yet another mailer today for the same offer today saying I am pre-qualified. I think the offer letter sent to me is misleading especially since I am a Capital One customer and they have information on me, and the rejection letter I received appears to be not correct on why I was rejected. This process hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: NJ
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 am XXXX XXXX XXXX and have had a student loan on my son for about 16 years now and I pay back on it regularly. I now owe 'more ' on the loan than the original amount borrowed. The way interest is applied to the principle makes it go down very-very little. I have tried numerous times to work something out, but to no avail. At this rate I would die before the loan is paid off. What good would this be for anyone. Would n't it be more beneficial to have payments doable for the borrowers and have the loan totally paid off??? Also, the monthly payments are not doable for me as I am now fully XXXX and managing on a fixed income. I have served my Country in the XXXX XXXX for over 10 years and have been a XXXX for over 15 years. All this is to no avail on my behalf from any of the repayment plans on this Student Loan Program I request the loan be more doable to me to repay. The College Loan programs need to take a serious look to reduce debt in a more doable way as currently it is not doable for most Americans. There has to be light at the end of the tunnel on student debt. I do not see how the current college students will ever be out of debt at the current rate of interest being charged and the way it is applied to the principal. 
If we want the youth of America to receive College Degrees XXXX in order to be able to compete in the world employment markets something needs to be done now! 
But again as for 'me ', I would like to get my loan payments reduced, interest rates reduced and ( so to speak ) light at the end of the tunnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage company affected my credit negatively. I applied for a loan modification because times got tough for me. I went around and around with BOA and many lies and many diseptive methods used to avoid modifing my loan. They refused my payments until I was placed into a position over the three month of non payment. I sent them a letter that I sent to the governor of Florida once they did this and immediately they decided they they approved my loan modification. After 4 years of XXXX, lies and absolute despection I do have my home and yes they modified it to a lower monthly payment but it 's not without a bittersweet note. They changed the terms to 40 years and now my credit has been compromised. I need help and would like to know what can and could be done. Please help.

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 2017-02-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed XXXX disputes with Experian in regard to the XXXX/XXXX auto loan on my credit report. Late payments are being reported in error. Each time I have disputed this issue, my report is then updated with MORE incorrect, conflicting information. This has happened several times. I have provided evidence to Experian indicating previous violations of the XXXX of the FCRA by XXXX/XXXX, and these violations occurred during the period that XXXX reported negative information on my loan. Please review the CFPB findings and fine issued against XXXX ( File No. XX/XX/XXXX-CFPB-0017 ). I want Experian to delete this tradeline from my credit history immediately, as they are in violation of the FRCA by continuing to report this negative information.

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 2016-03-02
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2015 i request services from XXXX and since i, m XXXX to u.s.a they ask me to pay for all the equipment and insulation fees and inform me in the phone that i, m going to have a one year agreement with them, in XX/XX/2015 they raise the price {$8.00} when i ask why they say that the insurance in the devices is done and if i didn, t pay that amount every time i ask for maintenance i have to pay a lot of money and inform me that it, s mentioned in the agreement that i never revived and never signed, so i asked to stop the services, they inform that i have a 1 year agreement that i have to full fill or i, m going to pay the rest of the year that agreement that i never revived and never signed, when i finished the whole year and i wanted to stop the services the informed me that i have 2 years contract i told them no it was 1 year contract and ask them to send me the contract, they send me a none sighed contract marked X in the signature space i informed them that it, s not signed and mark X they told me that if choose to sign as X it, s my choice, i was not at home when they put the service, my wife and son revived the service and buy an extension cord from them for {$31.00} and sign the receipt how come they did not let my wife sign the contract at that time, i think a kind of fraud selling something in the phone and miss guide the customers and make an agreement differently than what the sale was about in the phone and never send a copy to the customers and took their signature and put X as a signature and ask them to full fill an a agreement and put them in collection for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: OH
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 had multiple conversations with navient XXXX where I was told my consolidation would remove the past due snd negative history of my credit bureaus. This did not it help XXXX. NOT only did this not happen but it too they sold or had a 3rd party collection agency calling me telling me I was n't eligible for consolidation. this was very very confusing to to get conflicting stories from XXXX different agencies. When 's i findlky got my consolidation done the monthly payment was {$200.00} more than what I agreed earlier to. I am requesting that my credit bureau be corrected. Asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I tried to pay and Was told if I did n't make the $ XXXX payment that they did n't want my money at all. That they would take everything I had plus my co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Harvard Collections, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received notice or a medical bill from this alleged creditor XXXX XXXX for medical service 's that were possibly not billed to my insurance company. I have never received a bill from XXXX general for any medical bills. I request details of charges in collection and why I was not contacted with a medical bill prior to initiating a collection proceeding.

Company response to consumer: Closed with explanation