BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: RESMAC, INC.
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan office has some sort of issue with questions about my loan. Every time I ask details I get unclear answers and push to another time. If I email him my questions about the extra payment plan agreed to, I receive vague answers in red & no contact info for said XXXX party servicer ( XXXX ). XXXX who services my mortgage knows nothing about extra payment plan agreed to. My original mortgage is with Resmac, my servicer is XXXX, the third party whom they have the agreement with is XXXX. It 's a whirlwind of confusion. XXXX XXXX XXXX a XXXX Resmac

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an interesting checking account with Citibank at their XXXX XXXX, XXXX branch on XXXX XXXX, XXXX through a referral. At that time there was a promotion of {$400.00} cash bonus for new customer and {$100.00} cash bonus to the referrer. The first Citibank agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The second agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The third agent I spoke to said he does not know why I have n't received the money and opened an investigation/case on XXXX/XXXX/XXXX. After numerous encounter with Citibank representatives, I was left speechless and annoyed. Right now I still have n't received the money and felt cheated by Citibank. I guess Citibank only cares about profits and number of accounts that they can lure customers to open.

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 monetary relief
Consumer complaint received 2017-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FURNISHED NEGATIVE REPORTS TO MY CREDIT PROFILE WITH OUT WRITTEN VIOLATING FDCPA PROVISIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I notified JCPenney ( Synchrony Bank ) of my late payment and the day I would be able to pay via phone call and online account multiple times. The bank still proceeded to call me from different phone numbers all over the US 5 to 6 times a day, as early as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated from  XXXX   College in   XXXX    XXXX  . Soon after graduation  XXXX   XXXX   (  now Navient  )  said that I needed to pay   XXXX   XXXX   /  month. I  told them that was impossible and I needed a lower payment. They said I took out a lot of money and there was nothing they could do so I did n't pay anything. I contacted a load consolidation company and as soon as they tried to start helping me  XXXX   XXXX  contacted me, after killing my credit and said they had found a new option for me. They lowered my payment to around  $ 350/ month an d said it was an income based program. That did n't even cover the interest payment each month so my amount due never decreased but continued to increase. About a year later my payment jumped back to aroun d $ 750/month. I  called again and said I ca n't afford that. They then set me up for paying interest only payments, which was then   XXXX   XXXX   /mon  th. I  struggled but I paid that for about 2 years after that it now jumped back t o   XXXX   XXXX  /  month. I  said I still ca n't afford that and they told me my only option I have left was to extend my loan for another 25 years because I had exhausted all of my other options.   They are so unfair and unrealistic. My total amount due has barely budged since I graduated. I borrowed a total of {$72000.00} and to date I still owe them  XXXX . They are robbing all of us and something NEEDS TO BE DONE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Advanced Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have repeated requested XXXX not to call my work number or home number I would only communicate with her through mail. Requested proof of debt which I have never received., she ( XXXX XXXX XXXX? continues to call my work number and my home number. The calls look like they started around XXXX XXXX ; she XXXX, XXXX/XXXX/XXXX, XXXX ( XXXX times XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX these calls were made to my home number. 

She has called my work number : XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXXXXXXXXXX ; XXXX/XXXX/XXXX @ XXXX ; these called appeared on my caller ID at work and missed calls. Unfortunately, I can not find the early call where I requested her not to call, but XXXX has now switched over to using unknown number and I spoke with her today XXXX/XXXX/XXXX @ XXXX for XXXX seconds restating the fact I would not speak with over the phone to send everything in writing and not to call my work number. I also have an unknown number on XXXX/XXXX/XXXX @ XXXX that last :58 seconds that I am assume was hers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Plastyc, Inc.
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I PURCHASED A {$200.00} VISA GIFT CARD WITH THE INTENTION TO PAY A BILL. I SET UP AN ACH DEBIT WITH THE PAYEE TO BE PAID ON XX/XX/XXXX. I WAS NOTIFIED THAT MY PAYMENT WAS DECLINED ON XX/XX/XXXX. I HAD REGISTERED THE CARD ONLINE AND WAS ABLE TO VIEW THE TRANSACTIONS. I FOUND XXXX TRANSACTIONS THAT WERE NOT MADE BY ME. I ALSO COULD NOT LOCATE THE CARD. 
ONCE I REVIEWED THE DATES OF THE UNAUTHORIZED TRANSACTIONS AND REMEMBERED I HAD THE CARD IN MY PURSE THE LAST TIME IT WAS IN MY POCESSION. I WAS IN A CAR ACCIDENT ON XX/XX/XXXX AND THE CONTENTS ON THE PASSENGER SEAT WENT FLYING ON IMPACT. MY VEHICLE WAS SEEN BY XXXX AUTO BODY REPAIR SHOPS WITHIN DAYS TO GET ESTIMATES AND ON XX/XX/XXXX, MY VEHICLE WENT IN FOR REPAIRS AND WAS NOT RETURNED TO ME UNTIL XX/XX/XXXX. I REALIZED MY CARD HAD BEEN STOLEN OUT OF MY VEHICLE WHILE GETTING THE ESTIMATES FOR BODY WORK. 
I CONTACTED CARDHOLDER SERVICES TO REPORT THE UNAUTHORIZED TRANSACTIONS ON XX/XX/XXXX. I SUBMITTED THE DOCUMENTATION TO BEGIN THE PROCESS OF RECOVERING THE FUNDS ON XX/XX/XXXX BUT WAS INFORMED IT WAS NOT RECEIVED. I RESENT ON XX/XX/XXXX. I WAS SENT A DOCUMENT TO COMPLETE ON XX/XX/XXXX WHICH I COMPLETED AND FAXED BACK ON XX/XX/XXXX. THIS WAS THE 2ND STEP IN THE PROCESS AND WAS TOLD THAT I WOULD BE SENT A NEW CARD IN APPROXIMATELY 10 BUSINESS DAYS. 
NEARLY A MONTH LATER, I HAD NOT RECIEVED THE NEW CARD SO I CALLED AND LEFT 2 MESSAGES ON XX/XX/XXXX WHICH IS SUPPOSED TO BE RETURNED WITHIN 48 HOURS. MY HOPES WERE I WOULD BE ABLE TO SPEAK TO SOMEONE BUT SAT ON HOLD UNTIL THE SYSTEM PROMPTED ME TO LEAVE A MESSAGE. I DID NOT GET A RETURN CALL SO I CALLED AGAIN ON XX/XX/XXXX AND HAD TO LEAVE ANOTHER MESSAGE. I TRIED AGAIN ON XX/XX/XXXX BUT AGAIN, I WAS SENT TO VOICEMAIL. I HAD NO ISSUE GETTING THROUGH WHEN I INITIALLY STARTED THE DISPUTE PROCESS BUT THE PROMPTS ARE DIFFERENT DEPENDING ON THE REASON FOR YOUR CALL. 
I WAS GETTING FRUSTRATED SO I COMPOSED A TIMELINE OF EVENTS AND FINAL REQUEST TO GET AN UPDATE ON THE STATUS OF MY DISPUTE / NEW CARD AND SENT IT VIA FAX AS THIS IS THE ONLY OTHER MEANS OF CONTACT AVAILABLE. I SENT THAT ON XX/XX/XXXX AND MADE IT CLEAR I WAS GOING TO TAKE FURTHER ACTION IF THIS WAS NOT RESOLVED. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A RESPONSE FROM CARDHOLDER SERVICES. I AM HOPING THIS COMPLAINT WILL GET THEIR ATTENTION AND GENERATE SOME TYPE OF RESPONSE AND EXPECTED TIME FRAME FOR THE FUNDS TO BE CREDITED TO A NEW CARD AS I WAS TOLD.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-23
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX XXXX XXXX. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX XXXX would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand. 
Today on XX/XX/21 I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/21 and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: AES/PHEAA
State: LA
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 have been making payments to FedLoan Servicing for a full year on the IBR, while enrolled in non-profit forgiveness. I filed my yearly paperwork in XX/XX/XXXX, as I was directed to do. They raised my payment to almost XXXX what I had been paying the previous year. I refiled in XX/XX/XXXX for the new REPAYE plan. A glitch in their website caused my filing to be rejected, so I called immediately and refiled as they directed me to do. That was in XX/XX/XXXX. They directed me that I would need to pay {$5.00} for a temporary forbearance until they processed my paperwork. I did. When I still had not heard anything, I called again. They said that they would have to issue the invoice, that I could not just pay the {$5.00}. I waited until XX/XX/XXXX before they issued this invoice, and it was in the amount of {$4.00}. I paid this, assuming that the customer rep had rounded up the remaining penny. In XX/XX/XXXX I was notified that I was in default, and that I owed XXXX what my adjusted payment should have been, and that it was due in 6 days. I called again, and was told that I had not paid the {$5.00}. I referred to the {$4.00} that I had paid, according to the invoice they issued, and they were at a loss as to why I had been billed a penny short. They assured me they would have it resolved in 7-10 business days, and that I would be getting payment credit for the 8 months of non-payments for my non-profit forgiveness. The time has passed and I am still getting emails about being overdue. I have called monthly, sometimes XXXX times, for 8 months, and still have no resolution. It is ruining my credit score, causing XXXX, and I am at a loss as to what to do. It feels like a scam. I can only assume that I am not the only person being subjected to this mismanagement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in desperate need of assistance. I submitted a modification packet t o Ditech s ince  XX/XX/2016   . However they keep prolonging my case making me fall further behind. By doing that my documents got expire, had to re-summit everything again.     I have tried to work wit h Ditech but nothing is been done. I have provided more than twice all my documents to Ditech.  today I spoke with my assign  specialist   XXXX    XXXX   XXXX   XXXX   he told me there were no new notes, from the escalation that was submitted. At this point I am more than sure tha  t Ditech is practicing fraudulent and deceptive practices in order to prolong my case and to deny me any assistance.
I am tired of Ditech taking advantage of me because I am a elderly person. Ditech is aware that my intentions are to keep my house with an affordable mortgage payment. I am in desperate need of assistance. I have cut lots of unnecessary expenses to make sure I can be provided a modification. At this point I believe Ditech wants to foreclose my home instead of offering me a modification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I hsve just been informed that I have wage garnishments now. I was not informed or properly served about the lawsuit even though they claim they served me. Anytime I have tried to talk to them about this all they will say is that they noted it in my account. I will have to be the one to fix it with a lawyer. This does not sound lefal. They are called wakefield and associates

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Consumer Portfolio Services, Inc.
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Consumer Portfolio Services has reported that my car loan was charged off even though I had made payment arrangements with them. They never disclosed to me that they would charge off the account nor did they notify me about this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I love how my escrow is run now before the first of the year for 20 years they ran my escrow on XXXX now banks want there money Sooner it 's hard to believe that it 's anything positive for customer to get a bill in XXXX for something due on XXXX XXXX over the holidays besides I asked them to rerun my escrow for XXXX and they still raised my house payment what a joke how did this happen. What changed to fleece us again from banks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
In XX/XX/XXXX and XX/XX/XXXX my credit card payment was due but I was not home ( XXXX ). Coincidentally, a friend that I was visiting was mailing in their Capital One payment at the time I was there so I thought it would be wise to place my payment in their envelope as I did n't have my bill there with me. Logging in to the site in XXXX was different so I was unable to access online while there. For whatever reason the payments did not post to my account. I thought I had taken care of this months ago but as I sit here today my credit reports still reflect XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. Previously a representative had agreed to send a request to remove. There was no way for me to know that Capital One payments may be processed by a Lockbox or machine. I assumed someone would physically look at the check and apply it to the correct account number. The amounts due were so small it did n't seem like it could be so detrimental as it has become. I will never mail my payment in again that way. I have been trying to get this resolved but I am getting the inadvertent run around. One person agrees to remove and then the next person decides not to. Although this is a complaint I am not here to bash Capital One. In my opinion Capital One is the most customer friendly bank there is, XXXX to none. Usually, I would even say the majority of the time the Customer Service is top notch. I am actually considering using the Capital One vehicle financing program and would consider and refer it to friends and family depending on how that goes. I am a good customer and I even follow Capital One on XXXX. However, getting someone to listen, understand, and act on my account error has been almost impossible. Today, XX/XX/XXXX I was told by a Capital One representative by the name of XXXX at about XXXX PM that the FCRA states that they can not change the information even if due to a processing error. I have read through the FCRA and I did not read that anywhere. The account is closed and paid in full but this mistake in which I had every intention to not happen happened and I am being penalized exponentially because of this. I requested statement copies last weekend of my XX/XX/XXXX and XX/XX/XXXX statements and instead received a letter stating the information could not be furnished because the account is closed and has a zero balance along with the XX/XX/XXXX statement. A clear indication that mistakes do happen but in this situation I am the only one being severely punished. To make matters worse the letter gives 4 key points as to why credit counts which I am aware of. I am a spouse, father, son and many people are depending on me so my credit is important. How can I tell my family college financing options may be limited because of a {$25.00} payment being processed incorrectly. This is n't fair to me, this is n't fair to my children. Please understand. Please help. The account is paid in full, there is no risk anymore. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Mortgage.  We went to reinstatement asked for a lower payment they wanted {$2300.00} a month we offered {$1600.00} to catch up they did another check came back with same payment  XXXX  we cant afford we want to keep our home but this too k 4months n ow were behind on  11  payments and they want {$10000.00} by   XXXX   XXXX  2017    do n't have and they will not work with us. They want to foreclose on this property so they can make money! Sad ....   XXXX   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 2016-11-04
Company: SLM CORPORATION
State: PA
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 graduated in XXXX of 2016. I earn $ XXXX full time. I have government loans as well as {$85000.00} in Sallie mae private loans. There are XXXX loans total with separate payments. The total of the XXXX loans is roughly XXXX month payment with interest rates as high as 10.5 %. I can not possibly make this payment. My cosigner is my mother and she can not assume this payment because she is taking care of my step father who has XXXX and they have medial bills. Sallie Mae 's only offer is forbearance or interest only which forbearing my loan would not help since my income is what it is right now. I am in a year lease where I work and can not move. Interest only payments would be almost as high as my standard payment. Sallie mae only allows 10 year standard. If it could be drawn out to 20-25 years, it would definitely be doable, and my cosigner could help as well. We have exhausted all refinancing companies, with denials from all. I do not have any credit right now since I just started working, and although my mother has outstanding credit and credit history, she is denied because of her debt ratio ( because of my loans ). I really, really need help extending these loans out to 20 years. I know I have an obligation, but there is no way I could possibly pay XXXX. Sallie Mae will not work with us on this. Not at all. We have even gone so far as to look at bankruptcy or a debt relief program. Please, please, Sallie Mae ... ..I know you want your money, why wo n't you work with us? Extend my loan, you will get your payments. Please help us. I have XXXX in government loans, but they will let me use an income based payment. My mother has XXXX Parent plus loan which she consolidated to lower her payments as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for a Modification in   XXXX   XXXX   and the representative tha t Citibank  applied to my loan was not responsive nor did they assist in any way all the way thru to   XXXX   XXXX   I struggled with the loss mitigation department as well as the customer service to try and get a status only to be declined without any reasonable explanation.     Finally in   XXXX   XXXX   I was able to pay the full arrears to bring my mortgage current as per a letter sent from  Citibank 's  foreclosure attorneys  XXXX   XXXX   XXXX . To date I have not received a Discontinuance of the Foreclosure LP nor a Mortgage statement to confirm what my monthly payments are. I have called numerous times,  X/XX/XX ,  X/XX/XX  and  X/XX/XX  without any confirmed date of when I should receive my mortgage statement just a span each time of 10 days.   On   XXXX   XXXX   I received a letter saying I am delinquent again without a monthly payment amount and when I called today   XXXX   XXXX   XXXX   with my lawyer I was told that my mortgage payment was increased and I should receive a statement in 10 days ( again ) detailing what the increase was due to. The escrow department stated the increase was due to negative escrow due which does n't make sense since the reinstatement letter accounted for all that in it 's breakdown.     My monthly payment was {$1600.00} and was reinstated and to date I can not get a mortgage statement reflecting that payment nor an explanation of why they are trying to increase my payment by over {$900.00} per month on a fixed rate loan.

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