BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-29
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I had a XXXX card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. XXXX sold or hired Moss Law Firm from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX law firm was contacted and they told me it was a XXXX card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from XXXX and they said they did n't that they were working for XXXX. When I asked for XXXX phone number they said they did n't have it??? red flag If you work for some XXXX you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the XXXX. I thought you could n't do this in Texas. The people at Moss Law firm acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what XXXX the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-17
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A foreclosure Lawsuit was filed against the Borrower on or About XXXX XXXX, XX/XX/XXXX. The Borrower was defaulted from her loan because of several mistakes made by her servicers during various transfers of her loan to XXXX another. 

As a result of their mistakes they stopped accepting her payments and defaulted her. On or about XXXX of XX/XX/XXXX, The Borrower was granted a loan modification trial period by XXXX XXXX following a complaint to the CFPB. 

Immediately upon granting The Borrower a loan modification, XXXX XXXX sold her loan to Selene Finance. Because of the transfer, approximately two months passed before The Borrower was able to make loan modification payments. 

On or about XXXX of XX/XX/XXXX, The Borrower completed her trial payments. In XXXX of XX/XX/XXXX Selene Finance mailed out the final modification packet, and The Borrower immediately signed it and returned it. ( See attached correspondence and loan mod documents ). 

The Default is resolved and settled. The Borrower has continued making regular payments on her loan, and the foreclosure case should be dropped. There is no longer any default. However, Selene Finance has failed to instruct its counsel to dismiss the foreclosure case, and has instructed them to proceed with the litigation. ( see attached documents ). 

Trial is scheduled for XXXX XXXX, XX/XX/2015. While Selene finance has outstanding customer service, their legal department is sluggish and takes months at a time to update their files, complete documents, or instruct their attorneys. 

The Borrower is in her mid XXXX and suffers from XXXX. She is undergoing a lot of stress and fears that the Court will take away her home despite her settlement with Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage XX/XX/XXXX as a result of a significant piece of my income being removed. In XXXX XXXX XXXX started foreclosure procedures against me and at that time, I filled out the paperwork for a loan modification. I sent the hardship letter and all documents they requested. They approved the loan modification on a trial basis. I had to make XXXX payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. I did this by calling them as instructed, paid it over the phone, once cleared they provided me a confirmation number and I recorded that, as well as, the agents number. In XX/XX/XXXX during the last part of this modification, XXXX XXXX told me they sold my mortgage to Selene Finance. AS I paid the last of the three payments, I asked the agent, if they were going to send me my modified agreement and I was told no, XXXX XXXX would be doing that. I never received an introduction letter from XXXX, however I did receive an invoice showing that I owed in excess of XXXX. I sent them a letter, with all the documents requesting where I send the modification payments too, and asking where the documents were that I was told they would send. I received a letter from them stating they would look into it over the next XXXX days. I waited and waited. By XX/XX/XXXX, XXXX I sent them another letter, along with a check for close to XXXX to show I was holding the payments for them, I just needed them to send me the documents and tell me what else I needed to do for this modification. I pleaded with them. They sent me a letter and told me I was denied because I stopped making payments. Now my house is up for Sheriff sale on XXXX XXXX, XXXX - just XXXX days away. I feel like they duped me and they are n't honoring what they should be. In addition, I cant see where the payments I sent XXXX XXXX were ever applied either. I need help ASAP, I am about to lose my home and feel like I have no way out and on one on my side. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: NY
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:
We have sizable private loans. They have a procedure where as the principle decreases so does the payment. The effect is the loan takes longer to pay off. I complained about this numerous times and years ago was told to send in extra payments. Well, I did that and the same thing happened. Our loans began in 2005 with a total amount of {$120000.00} ( this was after a consolidation at some point so, the original balance may have been higher ) and the payments were in the XXXX range. Today the balance is {$65000.00} and the payment is {$870.00}. I have been sending in extra payments of {$250.00} a month for many years, I do not know when it began anymore. I am aware that if the rates go up, the payment goes up, no problem. But for many years the rates did not increase, but the payments dropped. There is a total of XXXX loans and as interest was supposed to increase, I raised the extra payment to {$260.00}. The intent was to have at least {$1000.00} go to principle. Last month the rate on the largest loan increased XXXX % and the payment decreased {$7.00}. So I paid {$15.00} more to get an {$8.00} benefit. Again I called, again I spoke to 3 three different people and got no where. All I wanted was to be able to set a payment that would be the constant, but if the rates increased, happily pay the additional. They ca n't do that and I can not believe it can not be programmed. In 12 years, approx have the loans were paid. If they left the payment where I requested at {$1100.00} a month my son would be in a better position. They also do not allow you to make the extra payments directly to principle. The payments get allocated. They money is debited directly from my son 's checking account and there has never been a missed payment in all these years. I do n't believe that I am wrong in requesting a minimum payment. They do nothing to solve the problem except say make extra payments, that is their solution, and then they still prolong the length of the loan by lowering payments. Their procedures hurt the consumer and benefits Navient. This is not fair or from my view, moral. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Other

Complaint:
Bank of America contacted me and issued a new credit card because " an undisclosed merchant '' had compromised my data. When I called and requested the name of the merchant, they said they did not know and I would have to call XXXX. I asked to talk to a supervisor who told me that calling XXXX would be futile as they also would not tell me what merchant had compromised my information. I want to know what happened so I can determine whether I want to continue to do business with the merchant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On the XXXX/XXXX/16 this number ( XXXX ) called both my home number, and cell phone and left a message on my cell, instructing me to call XXXX, ref # XXXX regarding an attempt to collect a debt. The number XXXX has also been calling my cell, also. I do not have any overdue debts ; all of my payments are current, and I verified this with my credit report. I am thinking this may be in regards to my son, who does have some outstanding debt.

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 2015-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Sometime around late XXXX or early XXXX my wife got a notice from XXXX XXXX bank indicating that we owe on a credit card. we responding that we never had a XXXX XXXX credit card, but was taken to court. the case was dismissed in court but XXXX XXXX has been still trying to collect, using XXXX collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from Portfolio Recovery Associates trying to collect the same XXXX XXXX account. XXXX XXXX Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I wanted to report a SYSTEMIC DECEITFUL PRACTICE OF TD CREDIT CARD SERVICES. While a majority of the credit card companies out there, send you alerts before the payment is due, TD CARD SERVICES DOES NOT SEND ALERTS BEFORE PAYMENTS ARE DUE BY EMAIL ( THEY DO N'T ALLOW EMAIL ALERTS, FIRST PROBLEM, THEY DO IT ON PURPOSE TO MAKE PEOPLE LATE ON THEIR PAYMENTS ) ; BUT EVEN WHEN YOU GO ON THEIR WEBSITE TO SET ALERTS ( WHICH IT SELF IS A COMPLICATED PROCESS, WITH ALL SORTS OF MATHEMATICAL OPERATIONS, AT LEAST TO THE LAY PERSON ), THEY GO BACK IN THERE, AND DELETE ALL THE ALERTS YOU SET UP. SO IN EFFECT, TD CREDIT CARDS DELETES ALL THE ALERTS YOU SET UP ON YOUR TD ACCOUNT ( ON THEIR WEBSITE ), INCLUDING PAYMENT DUE DATE ALERTS, TO DELIBERATELY MAKE PEOPLE LATE ON THEIR PAYMENTS. I RECEIVE ALERTS FROM EVERY OTHER CREDIT CARD COMPANY A FEW DAYS BEFORE MY PAYMENT IS DUE, EXCEPT FROM TD CARDS ; THEY PURPOSELY REFUSE TO SEND OUT ALERTS, THEY SAY THEY ALLOW YOU TO SET IT UP ; BUT WHEN YOU SET IT UP, WITHOUT YOUR PERMISSION, THEY GO INTO YOUR ACCOUNT AND DELETE THOSE ALERTS, BECAUSE THAT 'S WHAT HAPPENED TO ME ( I REMEMBER SETTING IT UP, THEN HAVING IT DISAPPEAR, I 'M ASSUMING, THEY 'VE DONE IT ON PURPOSE, BECAUSE IT SEEMS CONSISTENT WITH THEIR OVERALL BUSINESS PRACTICE, BUT NEEDS TO BE INVESTIGATED FROM YOUR PART TO MAKE SURE, IT 'S NOT AN ISOLATED INCIDENT ). I HAVE LOST HUNDREDS OF DOLLARS, BECAUSE I GET NO CORRESPONDENCE FROM TD BANK AS TO WHEN MY PAYMENTS ARE DUE! I AM NOT SURE HOW THIS CORRUPT COMPANY IS ALLOWED TO OPERATE IN AMERICA, BUT THEY NEED TO BE HELD RESPONSIBLE FOR THEIR WRONGS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-13
Company: TMX Finance LLC
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
The company, titlemax, disclosed that I had an account and debt with them to my mother and my cousin. They are not approved XXXX parties to be disclosing that info to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: United Revenue Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This account was put in collection more than 2 years ago without my knowledge and now I received constantly calls from collection harassing me and treated me about jail if I do n't paid this debt who was send to a collection agency without any attempt to contact me first and find out reason why this account was delinquent. I get XXXX invoices from the same company with XXXX different amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Coinbase, Inc.
State: MN
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully. Never got any signup bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hello, I just received a notification from my credit monitoring agency that a company by the name of CAPIO PARTNERS LLC has flagged my credit file on XXXX/XXXX/2016 and reported a collection account. I have never heard of this company before today, and had never received any demands by phone or mail regarding same. I called this collection company after I checked my XXXX credit profile today and spoke with one of their associates who immediately started negotiating a settlement, however, I demanded answer as to why they never sent me any mail or phone call me in this regard. The associate repeated the address that they ( supposedly sent sometimes on or about XXXX XXXX 2016 ) and she verified the address the mail was sent to but, that did not include my unit number. My condominium complex has over XXXX XXXX units and that 's the reason I never receive any identifying demand letter, with all mandatory legal disclosures, account information/number, etc. from CAPIO because they failed to put my full and complete address so that my rights would be protected. Then, the associate transferred me to her supervisor, and after several minutes being on hold, the supervisor came on line and immediately started offering XXXX % discount, if I settle the account with the company. I demanded explanation as to why the initial demand letter was not sent to my address accurately. The supervisor began back tracking about my unit number and claimed the associate was wrong and that the unit number was on the address. He tried to cover this up ; Nonetheless, I never received any mail in regards to this claim of debt. 

After my conversation, I feel, this company 's intentions are questionable as they tried to settle the so called debt at the time I was trying to verify who this company is and why was n't I given the due right to review their claim and respond accordingly. This unjust action has caused a XXXX point drop in my credit score today which will immediately impair my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally maliciously to force me to settle a claim which is not proven and will surely be disputed. Another company had filed a claim regarding same and they could n't prove the debt and they threw it out. I do n't owe thus there should not be a flag on my credit profile until the debt it 's proven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
We resolved a dispute in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2013. This is a fraudulent attempt to reinstate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
We found on our credit report and called. We talked to XXXX and she explained if we would pay she would have it removed from our credit. Once we paid we received a letter and it stated that they where paid and settled. They where not removed. We called her back and she would not honor what she had said. We told her we were going to report her and she did not care.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX commenced a lawsuit through the Law Offices of Howard Lee Schiff. P.C [ Schiff Law Office ]. in XXXX XXXX to collect a debt that had already been paid. XXXX XXXX 's law firm obtained a judgment improperly and executed on my bank accounts. When later presented with the proof by my attorney that payment on the balance had been made 2 years previously in connection with a home loan refinance, XXXX XXXX and the Schiff Law Office ignored the efforts to reach a resolution of the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. 
On the same day I received a refund. Again the deposit showed up but nothing in my balance. I do n't have access to the money. ( Filing a separate report ) PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from on US location to another. However, ALL the customer contact is overseas which makes me think this might be International

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After 6+ years of being in good standing and consistently making payments on my student loans with HESAA ( NJClass ), I noticed a 0.75 % interest rate increase on all my loans. Upon researching the terms and conditions, this was applied because my account was in " default ''. From my records, I have only missed one payment and remitted payment within a few days. According to additional research, " defaulting '' occurs if payment has not been made in 270 days. I am appalled that I received no communication of the rate change and that one was placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Dear Sir, i have been with chase bank for 10 years. lately i tried to wire some money to my father in XXXX. 
the transaction was made on the XXXX and it is wire transfer outgoing and it was made in person at Chase BankXXXX XXXX XXXX, TX XXXX. 
and the bank teller was able to determine my father 's account number, and she told me the money will be available on XXXX. 
on XXXX/XXXX/2015 i was contacted by phone someone called XXXX : XXXX he wants more information about me and my father and he said he ca n't send the money if i do not do so! 
when i long in my bank account online i see the money was transferred until the XX/XX/2015 i saw that the money was credited back without the {$45.00}. 
so i called for that reason and i got it back. 
i asked the teller what kind of information you need to make it happen so she said both bank accounts that 's all. 
i do n't know why i was mistreated like this? i asked all my friend none have any complains! 
please make sure to keep this big cooperate banks in line. 
thanks for reading. 
Kind Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Have submitted a notarized fraud report and copy of police report indicating that my identity was used to open an account and obtain services ( over and extended period of time and was recently discovered ) Credit card company- Chase is reporting and insists their information is correct that it is my account and is reporting as a bad debt charge off.

Company response to consumer: Closed with explanation