BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: DISCOVER BANK
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Discover is now offering consolidation loans. I took XXXX out and I also opened a discover " bank '' account. The bank account pulls money from my checking account but then holds the money for over a week. I want to say the funds were held for 7-10 days. That 's fine if it was a check but this is an EFT transfer. So, I 'm losing the money out of my bank and not able to use it to pay my loan. So, In the meantime I look at my loan and pay the bill but the payment gets returned because the funds that they pulled electronically are n't available yet. Ok fine that does n't seem right but whatever. So, I paid 2 months on the loan and it should be due again in XXXX. I get online and verify this. Then today I find that the loan payment pulls monthly even if it 's not due. So, the site a few days ago says the payment is due in XXXX. I look at the next payment and that says XXXX and yet the payment gets pulled for XXXX anyway. So now I 'm overdrawn on the bank account will pay a fee for the return on the loan as well as an overdraft on the bank account. Then they 'll pull the money from my checking account. Hold it for 7 plus days and take fees out of it. So, when it 's time to pay XXXX bill it will be short and I 'll have to send more money that will get held and have fees taken out of. So, it 's this vicious cycle that you ca n't get out of. They should n't hold a deposit that they pulled eft out of my bank account for that long. They need to give better info on when payments are being pulled and they should n't say a payments not due and still pull it. It all ends up costing the consumer a lot in fees. After the last time this happened I thought I was planning ahead and getting the money into the " bank '' account a month early was enough time. It is n't. I 'm out fees again. Does n't seem right. Maybe it 's just me,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15
Company: Dovenmuehle Mortgage, Inc.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A disbursement was made from my escrow account for homeowners insurance when it was not due. Then another disbursement was made when the premium was due 4 months later. When mortgage company was contacted about duplicate payments with in the time period, they sent work order for research and investigation. When I called back about findings on this work order-there are no answers on where the 1st disbursement went, check number or reference number. Numerous phone calls have been made to mortgage company as to where the monies are. Insurance company did not receive the payment that the mortgage company said they sent on the first disbursement. The mortgage company clearly did not send the monies for insurance or even taxes, but did withdraw it from my escrow. This has caused my escrow to be behind for three years now. Each year my payments go up due to the missing amount of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an XXXX and applying for a new Discover card. I needed the cashback promised to be added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: DISCOVER BANK
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX, who claimed to be a supervisor at Discover Bank, informed that the company had placed an interstate call to me and recorded it without my permission. She said I should 've been informed that Discover was recording the phone call when I called into their center. I did n't call them. They called me. 
The Bank has not honored its promotional terms for my opening an account, although another employee, XXXX, verified that I had met all of the requirements and the promotion should have been honored. XXXX and XXXX both said they would have to inform another department of the potential error and it would take another 4-6 weeks for them to consider whether to fix their error in applying the bonus that should have been applied in XXXX for opening a bank account with their company. XXXX and XXXX said they wo n't honor the terms of their promotion if I close the bank account now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i told discover card years ago that i couldnt pay their high payments anymore on social security. they pursued took me to court XXXX/XXXX/XXXXi called XXXX when i got court papers and they said just go alone as on ss with credit card dont have pay. so i replied to court with the fact i couldnt pay debt but court went against me and slapped public judgement on my credit report that just came up. i dont have funds pay {$4600.00}. been waiting out 3yr term from former foreclosure to buy house XX/XX/XXXX but this puts Big dent hindering that. how can you HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX sent me XXXX cancellation of debt notice for a charge off account in 2012. The XXXX forced me to claim this as income on my 2012 taxes which i was penalized for on my tax return for that year. Now on my credit report XXXX XXXX has continued to report a balance, past due balance and a status of this account as an open charged - off. This seems to me that XXXX is trying to collect on an account that has already been resolved. This account is about to be removed from my credit report in XX/XX/XXXX/ XX/XX/XXXX but I still feel the need to file a complaint because they have never responded to any of my disputes. The credit reporting agencies have allowed XXXX to keep my account in disputes past the 45 days that a required response is needed. Further more XXXX flex has continued to increase the balance on my account even though the account is a year past the collectable statue of limitations. The only response i have ever had from XXXX flex was a letter telling me to call their call center in XXXX and when i did the call center was unable to locate my file in their system to give me an answer to status of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Dear CFPB it has been a long time I been dealing with all XXXX credit bureaus for one I 've disputed items ( example XXXX I been late a few times my bill is due on the first but I use the grace period of XX/XX/XXXX to make my payment I 've skipped a few payments always notified XXXX and made my payment on XX/XX/XXXX there has been times when XX/XX/XXXX or XX/XX/XXXX comes around and I am being served with a move out notice or a rep of XXXX XXXX is at my door to see if I am or anyone is living there ) Now in 2010 I lost my job my mother had a XXXX I had to move to California but a year or two before that I lost my grandpa in XXXX and that is when XXXX XXXX got all kinds of lines under my name now between XXXX, XXXX and XXXX XXXX my life has been a living heck I 've disputed things with XXXX, Equifax and XXXX XXXX before I 've filed complaints with XXXX and not single company is willing to help My mother is undergoing XXXX XXXX for the last 3 years ( yes after the XXXX ) I am XXXX on XXXX and I do n't know what to do anymore I 've gone above and beyond to try to work with all the companies I 've mention but it is like talking to a brick wall I need my credit fixed I am trying to get at least a part time job and I am being turned down for errors of all the companies I mentioned My last plea is to hopefully get help from your organization please I am begging you to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: FL
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 was told by XXXX university that my degree was accredited and would be accepted anywhere, I have been turned down by multiple jobs due to not accepting degree from XXXX. I graduated in XXXX 2009, have attempted to find jobs to fit my degree with no luck. 
I am now stuck paying back the loans, with amounts I can not possibly afford monthly, and never being able to use my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Tulsa Adjustment Bureau
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I only found out that I have collections after me by checking my credit report. 
I was never contacted by the creditor, nor the collections bureau about the amounts owed. I have received nothing in the mail and no one has attempted to call. Being fully unaware that I owed the creditor a balance, I do not think it is fair to have had this passed on to a collections bureau as it is making a great impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of America did not post a resolution letter in the message center regarding my account, in claim # 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 2017-01-22
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was told I could have a lowered monthly payment the paperwork never came and they put me in forbearance, I then went into default. I went through a rehabilitation program to get back in good standing and was told they would send me paperwork for another lowered payment and still have not received the paperwork! Now again I am in forbearance!!! I have tried everything in my power to do what I need to do so that I can pay this back!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America charging me for late payments when they are not late. and hurting my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has my student loan the loan was for XXXX I think not really sure now it is over XXXX now and I did n't even get to finish and the school is now closed XXXX XXXX which turned out to be a bust I need some kind of help to get rid of this debt I was making payments of XXXX a month until my tax check was being taken for student loans for the past three year but my loan keeps getting higher so I 'm guessing my payments were not being applied because I got a letter saying my tax check would not be taken as long as I was making a payment but it has for the last three years I really need my money I 'm a XXXX an hour At XXXX XXXX I went online at home you could never get help from the teachers my bill that comes in the mail says I owe XXXX and on the phone it 's over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited my payroll check on XXXX XXXX. Funds were placed on hold until XXXX XXXX ; checked account on Friday, XXXX XXXX and saw that an additional hold was placed on my check until the following Friday. Contacted Bank of America and was told they could not do anything ; I was not informed of the hold ahead of time, and I scheduled payments for Monday, XXXX XXXX, which have subsequently been returned, and drawn my account further in overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving harassing phone calls from Navient. They claim they 're calling to collect a student loan debt, but I am in school and all of my loans are in deferment. I have also asked them repeatedly to stop calling my cell phone, but they refuse to stop. I was also advised today by a representative that they will continue to call me and there was nothing I can do about it. They call me everyday at least XXXX times a day, and I can not deal with it. I have tried blocking the numbers they call from on my iPhone, but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient and XXXX split up my loans and encouraged forebereance when income driven repayment would have been a better suited option. Caused excessive fees and unrest, frustrating to get customer service to provide accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems LLC is trying to collect a debt that was originally owed to XXXX ( XXXX ). This account was settled with the original creditor, and is now reported as paid. Despite requesting documentation that I owe them this debt, Jefferson Capital LLC, can not or refuses to produce such documentation, and continues to illegally attempt to collect this debt via telephone calls, letters, and lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Claim number XXXX XXXX XXXX XXXX XXXX This complaint has been sent to you many times and last time on XXXX/XXXX/2015 XXXX XXXX but is still ignored! 

You have from me many documents which are proof that people from XXXX XXXX are cheaters and you as bank are doing bad job in XXXX cases with : 1. XXXX ( XXXX. XXXX XXXX - XXXX ( XXXX XXXX. 
You promised me that you will resolve XXXX cases within 30 days, but you lie to me. Now is 2 and you did nothing. I try to resolve it but they play with me. 
Now attached are document which I sent you few times already, but are new proofs that they lie and cheating me. 

You sent me documents with note that you do not discriminate me, but I have other filing. I sent you complain in this case that one of your baker called to your " specialist '' and he refuse to help me. 
Your work in these cases is also far from your duty. You should read my letters carefully. In next complains you will have proofs of discrimination. 
I want you to immediately withdrawal {$2000.00} from XXXX cheaters and send me the money back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX was my private student loan provider. Upon graduating from college, I called because I heard it is good to try to consolidate your loans. XXXX told me that I was no longer able to consolidate because it must be done after my 4 year program. Since I went to school for 5 years, I was past the time limit and could no longer consolidate any of them. I was a full time student. How can this be fair?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paid the amount of XXXX via an ACH transaction with my bank and another XXXX via ACH transaction with my bank to OCWEN loan Servicing LLC ; they ( OCWEN ) have first told me they processed the amount and then said that it was returned due to insufficient funds. Per Faith ( loan consulant XXXX ) and XXXX ( Customer Service Supervisor XXXX ) the funds were returned on XXXX XXXX to my account with XXXX XXXX ... no such transaction per XXXX XXXX has taken place. 

XXXX federal agent XXXX produced a trace confirmation letter for each transaction which is attached. 

I would like to know where {$1000.00} dollars has gone and this is not the first time I have filed a complaint with CFPB regarding OCWEN and their loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Reference Number : XXXX Here is sequence of events : 1. Payoff quote from OCWEN faxed to Prominent Escrow dd XX/XX/XXXX, valid to XX/XX/XXXX 2. Prominent Closing Statement for closing date XX/XX/XXXX, funds wired to OCWEN 3. Sub-Escrow Statement from XXXX XXXX, indicates interest paid through XX/XX/XXXX Note that OCWEN received funds on XX/XX/XXXX, so technically OCWEN owes me interest for 1 day. 

On XX/XX/XXXX, OCWEN called me, bypassing the Escrow company and demanded additional payment of {$580.00}. I advised them to speak to Escrow company and they refused. 
In short OCWEN gave a payoff quote, which was paid in full and now request more money. 
Dodd Franks requires mortgage servicers to supply correct payoff and not add any fictuous costs after closing. 
This is CRIMINAL FRAUD! 
To date OCWEN has not been able to explain how there is a difference between their payoff quote and the monies paid by Escrow company - most likely illegal fees! 
They have been harassing me for years on this and now I have negative report on my credit that prevented me from getting a mortgage to purchase a home for my wife and I. 

OCWEN have now assigned the " fictuous '' mortgage to XXXX XXXX XXXX and now they are harassing me. 
XXXX Reference Number : XXXX I wrote to both OCWEN and XXXX numerous times but to no avail. 
Attached is letter I sent them on XX/XX/XXXX, and still no satisfactory explanation - just statement of short payment!!!!! 
Attached also documents from Prominent Escrow and XXXX XXXX. 
How many times do I have to prove that is paid in full!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing : Need I say more? NOTHING has changed since the settlement. They are still using the same old tactics ; 1 ) Taking advantage of homeowners with servicing shortcuts and UNAUTHORIZED fees2 ) misconduct at every stage of mortgage servicing process3 ) Failure to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements4 ) Charging borrowers unauthorized fees for default-related services5 ) Imposing force-placed insurance on consumers when Ocwen knew or should have known that they already had adequate home-insurance ( in order to get kickbacks from their affiliate " XXXX '', funnelling XXXX t XXXX6 ) Artificially inflating borrowers premiums by XXXX TIMES the cost of coverage7 ) Failure to release loan satisfaction papers if someone is lucky enough to refinance after THEY TRASH YOUR CREDIT SCORE8 ) Too many others to list hereXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing the Public Record information with Equifax for about a month now. I received the disputed results back from Equifax on XXXX/XXXX/2015 stating that the disputed Public Record information was verified by the furnisher. I wrote directly to the US Bankruptcy court clerk personnel and the letters that I received back stated that the U.S. Bankruptcy court clerk never furnishes information to Credit Reporting Agencies. The letter also stated that those agencies go through XXXX party XXXX XXXX companies to gather information on the public. They do n't disclose this at all. Equifax refuses to tell me who thy verified this information with because they absolutely did not receive the information from the direct source which is the US Bankruptcy Court. By refusing to tell me where they received this information from and whom they verified it with and the contact information that I am suppose to receive in order to dispute that source is a direct violation of my rights as a consumer. Also, Equifax refuses to delete XXXX XXXX, XXXX XXXX XXXX as they both are apart of ID Theft and I have submitted to Equifax numerous of times and I have also sent an amended Police Report to them and apparently they continue to re-insert XXXX and XXXX XXXX XXXX back onto my credit report despite the proof to remove and block them so that the information can not be re-inserted. Again I have attaced all correspondence that I have received from Equifax , the police report, FTC Affidavit please remove all the information

Company response to consumer: Closed with explanation