BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Other fee

Complaint:
Bank of America Merchant Services is providing credit card services for my self employed business. They chose to send out a letter that if I did n't respond to, then I was agreeing to services from XXXX for some type of protection coverage. When I realized I was being charged for this I called Bank of America Merchant Services on XXXX/XXXX/15 and was told by XXXX with XXXX XXXX that they would credit my account for this service and credit me for the prior months that they had charged me {$19.00}. Again, this service that I HAD NOT SUBSCRIBED TO, according to them by omission of responding to a sales letter. When my Merchant Services statement came in this month, they charged me again for last month and had not credited anything from the past charges. I spoke with XXXX at XXXX on XXXX/XXXX/15 and was given an Opt Out Ticket number. I also called XXXX XXXX, VP, Senior Merchant Specialist XXXX and left a message of the problem and to this date I have not received a call back from him. I also called today XXXX/XXXX/15 the BOA Merchant Svcs XXXX, spoke to XXXX who transferred me to XXXX with XXXX XXXX who stated all fees have been refunded ( based on last month 's same verbal statement, I can assume this is another lie ). I asked for the name, address, and phone number of their credit card regulatory agency ( as stated on your webpage ) and XXXX nor XXXX could provide that for me. I was transferred to XXXX, a Supervisor @ XXXX and when asking for the credit card regulatory agency he gave me : BOA Merchant Services - Attn Legal Department - XXXX XXXX XXXX XXXX - Mail Code NCXXXX - XXXX, NC XXXX. I also called XXXX XXXX again today, only to be able to leave a voice mail. I request from this CFPB agency that you have Bank of America Merchant Services refund my charges of {$19.00} for 4 months and any additional months that they have deducted unauthorized funds from my Merchant Services Account. I request from CFPB that you STOP Bank of America from sending out letters that I am volunteering for services " if I do n't respond to their letter '' that I 'm not even aware that they are going to start deleting monies from my account. This is unprofessional, sneaky and unacceptable. I would also ask you to address this with any governing agency to STOP this type of behavior through our judicial system or advise me who I need to contact. THIS IS FINANCIAL HARRASSMENT. THIS IS UNACCEPTABLE. THIS IS STEALING FROM THEIR VERY OWN CUSTOMERS. All three individuals refused to give me the regulatory agency that Bank of America Merchant Services reports to, via IGNORANCE on this knowledge, another sneaky tactic to not have this reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank did not pay an offered {$400.00} Checking Bonus despite the fact that all requirements of the public promotion were satisfied. 
I opened a Citibank Account checking package using a public promotion XXXX on XX/XX/XXXX. The promotion offer states that I should get a bonus {$400.00} after I satisfy the requirements of the promotion. After I opened the Citibank Account package, I received a positive confirmation ( attached XXXX ) from the bank that I am eligible for the promotion. 
According to conditions of the promotion ( attached XXXX ), I should get {$400.00} on XX/XX/XXXX ( " XXXX days from the date of the qualifying transaction '' ). I deposited {$15000.00} on XX/XX/XXXX ( attached statement XXXX ) and kept on the account more than {$15000.00} until XX/XX/XXXX and more than {$10000.00} until XX/XX/XXXX ( attached XXXX ). 
However, as of today, I have not received the bonus offered by Citibank. 
I raised an investigation on XX/XX/XXXX with Citibank and received a response ( attached XXXX ) that " Our records indicate you have qualified for the above offer. Unfortunately, the above account is not XXXX certified. '' and " Once your account is certified, the financial center can submit a follow up investigation. '' I provided the additional documents to the bank and my account was XXXX certified on XX/XX/XXXX. I had an online chat with a bank representative on XX/XX/XXXX ( attached XXXX ). He wrote, " XX/XX/XXXX there was a note placed on your account that XXXX is certified '' and opened an additional investigation case XXXX and he wrote me that I would " receive a response within XXXX business days which is no later than XX/XX/XXXX ''. However, I have not received an expected response from the bank so far.

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 2016-03-11
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In 2009 my stepson, XXXX XXXX, was attending XXXX XXXX XXXX XXXX in XXXX Oregon. 
The school shut down before my son graduated. The owners of the school were siphoning money from the student loans into there Construction Business and ended up in criminal court. My son never finished the program is was left in debt to XXXX XXXX for {$28000.00}. with nothing to show for the investment. I would like to consolidate the private student loans at 8.5 % and 10 % with XXXX XXXX and get a more favorable interest rate ... .but no one will touch the loans because my son never graduated. Is there anyone in the banking industry that will consolidate private student loans ( XXXX )?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XX/XX/XXXX XXXX on XX/XX/XXXX. The vehicle was financed with XXXX. It was a three year 0 % interest loan. I paid the loan off in XX/XX/XXXX or XX/XX/XXXX. I went to trade-in the vehicle three weeks ago and discovered that I could not locate the title. I then completed an application for title to the Texas Department of Transportation with a {$2.00} fee and received back the attached letter stating XXXX had never released the lien. I spent over an hour and a half today on the phone with XXXX and got transferred ( no exaggeration ) EIGHT times. I ended up back to the same number I was given originally ( XXXX ; the title support company whom is a third party contractor used by TD Financial ) and conferenced them with TD Financial whom had taken over the loan accounts for XXXX. TD Financial had informed me that I need to speak with mytitlesupport.com and I demanded that TD Financial stay on the line and conferenced in XXXX so I would n't be transferred again. The bottom line is that XXXX ( now TD Financial ) never sent me my lien and apparently are going to " look through their archives '' to see if they can find the lien release. If not, they will send me a " no interest '' letter stating that the " no interest '' letter will work the same a lien release letter. And to top it off, the third party contractor will only research the lien for a {$30.00} fee ( {$23.00} on line fee ) when in fact TD Financial is the company that has the actual records but they will not send me the lien release directly because the third party contractor must be paid and TD Financial will not waive or reimburse me the fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I missed last XXXX month payments on my loan due to a divorce process. I contact Green tree llc. to modify my loan. But they deny the loan modification. I tried to a payment arrangement with them but they refuse to work any plan. So i finally able to come up with the full past due amount and schedule to make payment on XXXX XXXX. I spoke with XXXX ( supervisor ) and want her to give me assurance that they will not foreclose my property. She told me she can not do that. She did n't want me send any document that i made the payment arrangement. I am unable to get any email from them to show that i made the payment arrangement. I am afraid that i will pay the full pass due amount and they will still do the foreclose procedure and i will lose my house. Please help me to figure out how to save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Paypal Holdings, Inc
State: LA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Still have n't received XXXX refunds to my debit card for {$5000.00} each back in XXXX 2015 my bank XXXX says they never received them after I contacted PayPal to get the tracking numbers and gave it to them they still could n't find them. I would like a cashiers check or official checked mailed to me to the address on file immediately or I 'm going to sue this company for XXXX in punitive damages and emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Navient Solutions, LLC.
State: WA
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:
In 2007 I graduated from the University of XXXX. On XXXX XXXX, 2007 I refinanced my student loans on a 20 year fixed rate loan with a monthly payment of {$240.00}. Over the years I have made minimum payments religiously, in some instances I paid more than the minimum payment. The loan has been sold several times, the current institution is Navient. I received a letter from Navient telling me in 60 days they are changing the terms of my loan and are basing that change on time remaining in repayment, outstanding balance, interest rate, past delinquency and/or late payments, resumption of standard repayment after a period of reduced payments, other account activity that may have affected the repayment schedule. None of these factors apply, my loan is a fixed rate loan with a specific time period so how could my time or % rate have changed? I have not been late, nor asked for a reduced payment. My question is, " is it legal for Navient to just change the terms of my fixed rate loan? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I just read a VERY Very similar story as mine on your site, and it is with Bank of America. 
It is also in regards to a checking account that belonged to my mother that passed away XX/XX/2014. I am her only daughter and she was not married. I also handled her account as her XXXX XXXX worsened, but I failed to add myself to her account. Which would have saved ALL of this headache! I have been in touch with their department that handles these accounts so many many many times. I have sent them, and confirmed their receipt, of her death certificiate and of a Affadavit of Heirship ( notorized ). Which proclaims that I am her only heir and executor of her estate. Once they received that- they tell me over the phone that I need to submit a different affadavit with the court and submit whatever the court sends me in approval of my affadavit. I clearly understood that the Only diffference between what I completed, and the court responded version is that the court version would be " telling them what to do with the money '' - rather than my document that simply established that I was her heir. The amount in the account is only {$1800.00}. I have filled out the other affadavit ( including the XXXX 'Disinterested parties ' & notorized again! ), but I have not submitted it yet -- because it is going to cost me {$210.00} or {$250.00} to file. Very frustrating!! I have even had to call, in response to a letter I received, and tell them that Yes -- this account is still belonging to someone, and is not 'unclaimed '. So DO NOT gid rid of the account or money. I spoke with someone who assured me after faxing in a signed statement to not liquify the account- that the account would be upheld and still waiting resolution for me. Since I can no longer log in online.. ( which was the Very first thing to go..bc my plan was just to transfer the money over to my BofA account ) ... I 'm terrified to call and make sure the money is still there. What if it is not? What if they managed to put up so many red-tape XXXX requirements that I ca n't to the money? 
Which to me raises another very interesting question, what do they do with all of that money they get to keep? It has to add up quite substantially. I just wish someone would absolutely tear them up in that regard. I can not stomach the idea that this money goes to the company in some fashion, and it is all based on their taking advantage of such horrible times and circumstances with their customers. For whom they would claim to care very much about. It 's deplorable. Please help!! It 's Only {$1800.00} dollars now!! How can they have rules & regulations that are placed ahead of state requirements in such matters? The state does n't even require all of these steps and motions, and things. It just makes no sense at all.

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 2016-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC Beneficial is the owner of my mortgage. I am currently not up to date with my monthly payments. For the last three months I have paid per the agreement made with them to catch the payments up, yet every month I am being charged {$25.00}. for what they describe as a `` drive by '' to see if I am still occupying the property. `` DRIVE BY '' words used by XXXX XXXX! they know I am still in the home and has not abandoned it from conversations I have had with them! Why are they allowed to get away with this, this is wrong! They have been profiled as a predatory lender. My interest rate is 7.74 ( fixed ), I have been paying on this loan for 20 years, it was over appraised when I got the loan, and they knew it. The balance is XXXX. 
I know that I have a decision to make concerning this property, and I am at a turning point to let them have it. As Consumers we need to be aware who the predators are in this industry, and there are MANY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection services of Athens is attempting to collect a debt from me and I never established a contract with this company. Furthermore collection services of Athens is currently reporting negative information onto my XXXX credit report indicating that I owe XXXX amount of XXXX and a additional amount for XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: AES/PHEAA
State: PA
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 submitted a complain about the company, Case number : XXXX. The company responded by copying and pasting text regarding their policies. My problem was not addressed. I still have the same issues as described in the original complaint. No one called me. I am still being charged {$5000.00} as a payment. My case was marked as being complete with no further actions planned by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Revenue Assurance Professionals LLC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I asked front desk if I owed any money and the lady said no. I thought it was free probably because it was an annual physical. I did n't get a bill in mail. I relocated from XXXX, XXXX to XXXX, XXXX few months later and now do n't know how I can pay online. I logged back into the providers website but there was no bill that I could see.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX father took out a reverse mortgage through Reverse Mortgage Solutions. When he passed away, our intent was to pay off the loan. RMS never sent notification to the heirs providing the rules, our rights, and asking our intentions, which were to pay off the loan and keep the house. My sister was eventually able to get them to speak with her over the phone and obtain the paperwork to submit stating her intentions to pay off the loan and keep the home. Over several calls she received many different claims as to what paperwork they had or had not received. My brother, the executor, contacted them asking for the payoff amount and received a letter stating ~ $ XXXX. My sister, an heir who had moved into the house, after submitting her intention to purchase the home, contacted them many, many times requesting information about how to proceed and after much avoidance, they finally told her they would have the house appraised and someone would be in touch. We never received the appraisal results or notice that an appraisal had been completed, which is what my sister believed she was waiting for to proceed. Eventually, she found out the house was going to the Sheriff 's sale, but we had never received notification of foreclosure. At that point my sister went to a bank to get a loan for the house, and was told the house had been appraised by RMS for ~ $ XXXX. My sister had more than the appraised value available and went to the Sheriff sale to bid on the home. An RMS representative showed up to the Sheriff sale and placed a winning bid of over $ XXXX, nearly 3 times the amount of the appraised value. My sister lives in the home and has tried very hard to work with RMS to purchase the home ; RMS did not, in good faith, work with her or provide her with the information necessary to proceed with paying off the loan, surely because they would have lost over $ XXXX given the appraised value. The sale is set to be confirmed in court on XX/XX/XXXX, where my sister will contest the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: IQOR US INC
State: TX
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:
I have previously filed XXXX complaints regarding this issue, number XXXX and number XXXX. XXXX XXXX has now engaged a XXXX collection agency from whom I received correspondence this week attempting to collect this alleged debt which I have previously disputed XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to close a short sale for over 2 years and Roundpoint mortgage continues to stall and delay by asking for documents not needed or have been sent to them. I have had XXXX cash buyers and the last XXXX is about to give up. They send me confusing requests in the mail so I have to call them to find out what they need. I can not reach my account rep by phone and have to wait until call me. When I send them a doc ( by email ) it takes 3 days for them to read it.

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 2015-10-13
Company: KEYCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX on my house in XXXX Ca. with KeyBank. It is a fixed rate loan for 6.99 % that I have had for about 8 years. I used it for a swimming pool, block wall etc. I never paid much attention but after check I found that the interest charged varies over {$150.00} from month to month. I have tried to contact them numerous times by phone and by their email contact but get no response. Any advice our guidance on this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Overall complaint about TCF Bank : Unlike some other banks, TCF charges an overdraft fee for pending items even if you have money in your account that should cover a non-pending charge. If there is a pending deposit from the night before, TCF will access a fee if you make a small debit purchase because the money in your account is being held hostage for pending items instead of paying for charges as they are posted to your account. Here is a screen shot of {$200.00} in fees I was charged ( the bank magnanimously returned {$25.00} ). This is some sweet spot of manipulation that TCF has figured out. So while this may be technically legal, ( or is it? ) this is theft of the small hardworking individual who at the moment is fuming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-12
Company: EMPIRE MEDIATION SERVICES LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Wednesday XXXX XXXX I recieved a phone call from a supposed process server that works for empire mediation services. He told me papers were going to be delivered the next day that I needed to sign. That a summons was being delivered. He left a phone number for me to call to resolve the situation BEFORE the papers were delivered. The number was XXXX. I called the number and they were trying to collect for something that was paid. The company goes under a few different names so I emailed them what I had. They emailed me Nd told me I was scamming them and it was not pAid. The man called me a liar. I told him my attorney would be in touch. I asked him for his address and he would not give it to me. Then he tells me he is n't speaking to me any more because I said I had an attorney. But then the next day he emails me again!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation