BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/XX/XX/2015 at XXXX a recorded conversation was started between myself and a customer service rep from Bank of America XXXX At XXXX point she had a supervisor there asking questions and providing answers. The phone call was recorded and was over XXXX minutes in length. After months of calls, this representative was helping me. She said that if I made an additional payment of {$23.00} ( details are on the phone call ) that she would waive the late fee for XXXX that was placed on my account because I was XXXX day late. As an aside, I have not received paper or electronic statements from Bank of America in quite some time. Because I have been calling to dispute the late charge for months and only paying the previous minimums due ( {$25.00} ), Bank of America kept adding late fees and past due amounts. ( They added a late fee for XXXX, in XXXX, because I did n't pay the late fee, the considered the XXXX late fee a past due amount, and another late fee ) On the phone call with the representative and supervisor on XXXX, the was an agreement made to resolve the issue. They agreed on a recorded line that if I paid an additional {$23.00} ( I already paid the minimum of {$25.00} ) that day ( I did and have proof ) that they would waive the late fee for XXXX. This meant and they agreed that there would be NO late fee that carried into XXXX and therefore no past due amounts or subsequent late fees because I had made been and kept making the minimum payments due on time. After hanging up and making the payment, Bank of America NEVER made the changes and returned my account to " in good standing ''. They LIED. I called to complain and went into a branch as recommended a long time ago but a credit card rep of bank of america to launch an official complaint. Bank of America has refused to pull the phone call and do what was agreed upon. They are still charging my account with past due amounts which should not be there. They are also ruining my credit. I do not owe additional hundreds of dollars for being 1 day late and yes, I have proof that I made payment 1 day after the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Windham Professionals, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep getting calls from Windham Professionals to collect a debt from XXXX XXXX. We have called the number XXXX as the message states to indicate we are no the party to discontinue the calls but they ignore the pleas.

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 2016-08-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Disputed an ( Open ) Account # XXXX that, should be of a Pay Status of a Collection/Chargeoff Since, 2010. 

The Pay Status is Listed as, Current thus, effecting my Ability to Reduce my ( # of ) Open Accounts and Reduce my Rent Cost in Order to Pay Bills. 

Limit XXXX Balance 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 2015-10-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2003, we got an FHA loan through Well Fargo Home Mortgage. The payments then were supposed to be fixed at about {$350.00} a month. Through the years, they have raised our payment to almost {$600.00} a month. We have gotten several loan Modifications on our mortgage to try and bring the payments down. My wife and I are both XXXX and on a fixed income so two years ago, so we got a form from a Texas State agency so that we would be exempt from paying school and property taxes but, Well Fargo refused to accept the form, and still made us have to pay taxes. Then later on, we had storm damage on the roof of our home, and was given an insurance check to make the repairs but, Well Fargo waited almost a year, before they signed the insurance check, to make the repairs, By then the damage had gotten worse because of the delay so the roof was not properly repaired. 
Then later on we decided to try and list the house for sale and we had a realtor sign out in front of our home, Wells Fargo came by and saw the sign and told us to " REMOVE THE SIGN '' or they would foreclose on us. Our purchase price was around {$65000.00} and now, XXXX years later, we still owe almost {$55000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Hameroff Law Group, P.C.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a car loan from XXXX XXXX XXXX XXXX. At the time I could afford it and was making my payments. I lost my job a year and a half later ans went from XXXX to XXXX in one year. I turned the car in and was sued by Hamerhoff Law Group in XXXX They attached it to my home title and now I am becoming homeless. I called to do a settlement on XXXX so I would have enough money to move and still paying them XXXX but I was told too bad by a very snobby and rude assistant named XXXX. I asked her if there was any way of settling the account and she said no way and kept saying WHAT IS YOUR OFFER!!! ... .Remember I turned in the car. Not only that, I gave my brother and his family money to move for they have children. I can not believe that there is no compassion for people any more. I need a solution to be able to pay them and still have money to move. 
Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Asked to lower payment what they said it was going to be was double they said XXXX. They are charging me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
sallie mae calls my home about my sons student loans. he was XXXX old when he got the loan i did not cosign or have anything to do with him taking out the loan.XXXX does not live with me nor has he for 6 yrs but they continue to call me 1 to 2 times per week even though i have told them these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: OK
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 applied for repayment assistance and was denied and assistance with direction or options that could be available. Was given no explanation as to why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage modification was denied by our servicer Bank of America ( BOA ). We checked with XXXX XXXX XXXX XXXX through XXXX and they confirmed that we are clearly qualified under the HAMP but BOA still denied us. In their denial letter BOA did not even consider the PRA that we requested. In the same letter BOA states that we are approved for Short Sale and they will release their mortgage lien on our property even though they will accept proceeds that are less than the amount we owe. They say that they are willing to accept a lower amount in a short sale but not reduce our principal in order for us to be able to afford and continue to stay in our home. 
Our mortgage is not owned or guaranteed by Fannie Mae or XXXX XXXX. 
We owe more than our home is worth. ( We owe {$480000.00}, the property is worth {$260000.00} ) We occupy the house as our primary residence. 
We obtained our mortgage on or before XXXX XXXX, XXXX. ( Origination date XXXX/XXXX/XXXX ) Our mortgage payment is more than 31 percent of our gross ( pre-tax ) monthly income. ( Current mortgage payment {$1600.00}, our monthly gross income is {$3500.00} ) We owe up to {$720000.00} on our XXXX mortgage. ( We currently owe {$480000.00} ) We have a financial hardship and are delinquent in mortgage payments. 
We provided sufficient, documented income to support the modified payment. 
We have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction. 
We even reduced the homeowners and windstorm insurance on our property in order to reduce our escrow but BOA still is refusing the modification. 
Our loan was originated by Countrywide Home Loans and then in XXXX it was assigned to XXXX as XXXX for XXXX XXXX CWALT Inc ( certificate Series XXXX ). CWALT is Countrywide Alternative Loan Trust. So no one knows who the real investor/owner of our loan is and BOA is our loan servicer who is refusing to modify our mortgage which may force us to loose our home. Up to date we paid to BOA over {$250000.00} for our {$460000.00} mortgage loan and according to their statements we still owe them {$480000.00}. We also understood that BOA is fully capable of internally modifying mortgages up to 25 percent of net monthly income as well as offering substantial principal reduction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Total Card, Inc.
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been a victim of fraud and Identity theft. I have reported XXXX to all XXXX credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I am also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have also had my attorney to submit a letter to this company and they still have yet to respond back to me or my attorney. I am very furious about this because I have sent supporting documentation to this company even though they think the social number matches name and birthday they still think it is mine account. I have never opened a credit card with these people at all. I am very furious about this and this is my second time reporting it to CFPB and I still have not gotten any satisfaction from this company about this account. I have went over and beyond doing what I need to do about this and I do not know what other steps there is to take. If this is not off my credit by this company by XXXX XXXX as requested by my attorney please let this company know that we will sue them for continuing to have negative untrue things on my account about having a card with them. This is the last time I will be contacting them about this account next time they will be receiving a subpoena from my attorney for a appearance date in court. I expected to hear back from this company before XXXX XXXX. If not further action will be taken by my attorney and I know you got her letter because it was sent next day. Please have the company contact me back before XXXX XXXX so that we can try to settle this out of court if not legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to XXXX in NY and i was told that i was getting financial aid and money granted to my self to get my books and so on. Later in that year i saw i owed money and that it stated that I agreed to a loan when i didnt, I thought it was financial aid helping me since I have very low income. The school closed down for good and now I owe about an estimate of {$11000.00} when it had started off in XXXX and I still cant start making the payments and the amount will still go up because of the interest and im scared my credit will get damaged. Please help me and to everyone who is trying to make a career in life please read carefully and do research so that the same thing that happened to me wont happen to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Navient Solutions, LLC.
State: MD
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:
I am the borrower. I sent forms to Navient to update the bank account for monthly automatic draft payment from my bank, for XXXX different loan payments. I received a generic confirmation by mail that did n't show the date the payment would be drafted or much other information. Navient set up XXXX of the XXXX payments so that it would be drafted after the due date and they could charge me a late fee. The first month after the account was updated, I noticed the payment was n't drafted from my bank account so I logged into the Navient website to check on it. The Navient site confirms that the loan payment is set up for automatic payment which they call " Auto Pay. '' The payment was marked " Pending '' on the website. I have printouts of this from the website. There was no indication what day the automatic payment would be drafted from my bank. I immediately paid again by using Navient 's website to pull another draft from my bank, but Navient charged me a " late '' fee for that month and then drafted BOTH payments from my bank account. Navient has n't given me the option on how to apply the extra payment. Navient intentionally set up the automatic draft so that it would draft after the due date and they could scam a late fee from me. The payment that Navient decided to draft on time was the Federal consolidation loans. The payment that Navient decided to draft late was the private business education loan. Navient set up the call-in help line so that it is almost impossible to reach a person. Navient 's number disconnects callers after they have been going through the menus for minutes. If the caller ca n't find an option that describes their situation the call disconnects. If the caller takes too long ( per Navient ) the call disconnects. If the caller calls after work the call disconnects, because Navient closes the line outside daytime weekdays. Navient has done everything they can, short of disconnecting their phone altogether, to add on illegal fees and avoid talking to borrowers and avoid making corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to modify my loan with Bank of America. However, they have filed a lawsuit for a " relief of Stay '' so that they an start the foreclosure process on my house. They filed this lawsuit without offering me a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: IL
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:
Good afternoon, I would like to let you know about my experiences with Navient. They have coerced me into using forbearance instead of paying the {$5.00} per month as I had attempted to do for the last few years. It was never offered as an option to me. Please contact me if I can help you in the lawsuit you filed. I also am considering a lawyer of my own. If you can kindly recommend one for the city of XXXX, please contact me immediately. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I asked Chase Bank to stop sharing credit information with the credit bureaus for an account on which I am ONLY AN AUTHORIZED user. Chase refused to do that and it argued that it received approval from principal user ( i.e. principal user is the person who applied for the credit card ). 

This seems unfair because a bank should get approval from the AUTHORIZED user since it might negatively impact his/her credit ( approval from the principal user is not sufficient )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I wanted to get my over draft fees waived. I was charged for a hotel I went to 3 weeks later. I told them it was n't my fault I had charged that card 3 weeks ago and I had money then why should I get an overdraft fee now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been three months and I still haven't received a response.

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 2016-05-24
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My loans were DISCHARGED in XX/XX/XXXX. I have the IRS FORM XXXX that shows " Cancellation of Debt '' in full ... Nelnet has now, in XX/XX/XXXX, been harassing me over 20 times now ( phone harassment, email and mail ) wanting payment on a debt that was DISCHARGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a phone call today regarding debt for a card/bank account that I never had. These people also called my wife, my uncle, and my work. When I called the phone number, they informed me that I had 50 minutes to pay the settlement amount or they would take me to court to pay almost double the settlement amount. I have never received any papers in the mail or via a process server from these people as they have claimed. They threatened me verbally over the phone, and I am XXXX and I do not need this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX 2016 I deposited a third party check which was a settlement for my friend XXXX XXXX. Chase requested that she produce ID. on XXXX XXXX we went to the Chase bank in XXXX and all she could provide is a XXXX XXXX ID and they would not accept it. If she had proper ID she would have opened an account. On XXXX XXXX my account was closed at which time since the check cleared I should have received a refund check for the balance. They are hold the funds for approximately 2 months. The payer, her lawyer XXXX XXXX XXXX has called to confirm that she is XXXX XXXX and that she gave permission for me to cash the check. She is homeless and needs these funds. Chase should have either returned the fund to XXXX XXXX XXXX XXXX 's account or provided as certified check. This is unlawful for them to hold these funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My complaint is with PayPal who advertise BUYER PROTECTION. I purchased items that came to me " not as described '' and after many attempts to resolve the issue with merchant ( details attached ) I filed a dispute with PayPal. I left message after message for someone from PayPal to call me or text me but they never did. I do not believe they read my messages because they sided with the merchant and did not return my money.The company that I purchased from was Minisweater and on the PayPal statement was best-deal and email was XXXX MY letter to PayPal The items that I purchased and received were not as described. They were 6 sizes smaller than their size chart showed. Example a XXL was like a size 2. The quality of the fabric was not as described. I am sending copies of some of the many email attempts to work out a return and I just keep getting the same computer-generated auto responses. To send an order # and pictures of the items. I did this many times. The latest surprise is that they want me to mail merchandise to a warehouse in XXXX which would cost near {$100.00}. Then they would review and afterward they would send a refund. It seems like a major scam. 
I believed this company was in the United States like they advertised, and that shipping would be as promised, then to find out they are in XXXX. 
Their website and email address are now shut down. 
I am again sending pictures of a measured shirt that is tagged XXL.

REVIEWS IN THE LAST FEW WEEKS THE SAME AS MY COMPLAINT. 
XXXX XXXX | Read Customer Service Reviews of ...

XXXX review minisweater 1 ) This company is a scam they will not ship your order nor refund your money! they will send a tracking number which will never be anything other than a created label according to the USPS! Do NOT buy from this company! XX/XX/2021 2 ) Horrible quality and missing items : Took over a month to receive. Very poor quality. Items missing from order though it states they were all delivered. Very thin material and horribly sewn. 
3 ) Awful Company : This is a XXXX company ; they took months to send the shirts I ordered. When 2 of them came they were 4 sizes too small.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
JPMorgan Chase Bank , N.A . XXXX XXXX XXXX, XXXX, OH XXXX. Notice of Substitution of Trustee was filed XX/XX/2015. On XX/XX/2015 lender did n't get order and has not moved forward. The homeowner has been gone for over a year & the property is in bad shape. Would like to know why it is taking so long to foreclose on this property. The HOA is having to report the property to the City to see if they can do something.

Company response to consumer: Closed with explanation