BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account Opened in XX/XX/2019 - Paid in Full XX/XX/2019 - Reporting five late payments on my credit report although account was paid in full.

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 2015-11-24
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have received at least XXXX calls from Midland Credit using a telephone number of XXXX within the last month. When I answer, they do not respond. I finally got someone to respond yesterday and they claimed they were trying to collect a debt from my husband on a " XXXX '' credit account. I told them we never had a credit account with that company and I would call the company directly. They insisted and asked me to verify my husband 's social security number. I refused, told them to remove our name from their call directory and hung up. I thought this was a scam because we have a credit monitoring service ( which I checked ) that would have alerted us to this, and no reputable company would allow anyone other than the person in question to verify information. However, to be safe, I then called XXXX and they verified that there was never an account opened in my husband 's name. 

Today I received another call from Midland Credit claiming there was now a XXXX Card account outstanding in my husband 's name and again asking me to verify his social security number. After repeated refusals and demands that they remove my husband 's name from their system, the caller finally agreed to read me the social security number they had. When I told him that it was not my husband 's social security number, he apologized and said he would remove my husband 's name and contact information from their system. I then hung up, but again this seems like a scam because why would a debt collection company give up so easy when they have no way of knowing if I am lying?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is not escrowed. I pay for my own taxes and insurance. I also have an adequate insurance coverage amount and type for my loan amount. I also timely pay my property taxes. I have provided proof of adequate coverage to Bank of America repeatedly and consistently since the beginning of my loan. Despite this, Bank of America is continually adding money to my principal and interest amount as " escrow. '' As this is not part of my loan I do not pay this amount and Bank of America then classifies my payment as late generating late fees. I pay the contractually required amount, have adequate insurance and pay my taxes and insurance on time. I do not know what I am being charged for that is an escrowed item as there are no escrows on this loan account. I have confirmed with Bank of America repeatedly that the insurance amount is proper. 
I have XXXX fire/dwelling policies and XXXX flood policies covering this property. The property has a front and a rear building which and each building is insured separately. 
I have a total XXXX XXXX and XXXX XXXX dollars in fire coverage and a total of XXXX XXXX and XXXX XXXX XXXX in flood insurance. On the front building my fire coverage is {$250000.00} with {$120000.00} in flood. On the rear building I have {$140000.00} in fire and {$140000.00} in flood insurance. Bank of America spoke with my agent and approved the amounts of all insurance in several phone calls. 
Despite repeated assurances of adequate coverage, Bank of America has not charged with force gap coverage for a policy which costs an additional {$3000.00} per year even though the underlying insurance only costs {$1300.00} dollars, and once again, after expressly approving the amounts selected with my insurance agent on multiple occasions. I and my insurance agent have been calling every six weeks or so. This past time we called Bank of America could not provide and explanation as to why due to " system issues '' ( XXXX XXXX ). We were told that Bank of America could not explain why the force placed coverage can not be removed and refused to provide any further answers. 
XXXX manager XXXX ID XXXX, stated that the issue was because they did n't have declarations pages for " prior years ''. This is the first time that anyone has stated they were missing declarations pages. Bank of America has charged me various amounts over the past several months in violation of our loan agreement and seemingly arbitrarily.

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 2015-11-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In 2006 I took a a loan through XXXX XXXX ( now Navient ) in the amount of {$20000.00} to attend XXXX XXXX University in XXXX Michigan. I tried to contact them many times to work out a payment plan and they would ask for an upfront fee in order to ring my account up to date before proceeding. Once I gave them the money they would tell me that they could not do anything for me now and to call back before my next payment would be due to work something out. When I would call again they would not be willing to work out a payment plan. Since then I have stopped answering calls from navient who is also hounding my co-signer. They call on the weekends and at night time hours. Last week my mother informed me that a letter was sent to her home from navient saying that I have until XX/XX/XXXX 2015 to contact them or I would go into litigation. Why was this letter not sent to my address they have it on file. I do not see my parents every day. I have been doing research on Navient and it seems that many people receive agreements on payment plans but since they have not gotten anything in writing those plans are not honored. Many people on the internet advise to record the phone calls you have with them online. Today XX/XX/XXXX 2015 and I attempted to speak to Navient about my loan but NOT A SINGLE PERSON was willing to speak to me with the conversation being recorded and on top of that after inquiring why the representative was extremely rude and told me that she would hang up on me. Not even the account manager or higher ups were willing to speak to me under the condition of their voice being recorded. All I want to do is to be able to set up an affordable payment plan with this company but it seems that they are unwilling to work with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The contents of my letter to the XXXX of Navient XXXX XXXX, President and CEO Office of the Customer Advocate XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX, Todays letter will reflect the extreme dissatisfaction and frustration which is the result of trying to deal with your system and get credible information from the customer service personnel whom answer the phones. Those of us at the other end of the phone and inquiry deserve much better. As a taxpayer I am beyond mad. 

Since the beginning of this year, I have spoken to more than XXXX separate customer service individuals, and have not received that same answers each time. I followed the instructions as they were given and the results now in XXXX have not moved the chess pieces XXXX square. The issue is attempting to consolidate XXXX loans, reduce payments and go on being responsible for our obligations. 

That has included a long set of forms to be filled out, as I was told could not do this online. These forms which include my personal tax information, my personal banking information as well as pages of personal answers to personal questions. 

These were mailed to XXXX, PA the first time in XXXX. No change in the statements. A call in XXXX to XXXX, when I was told, " oh you should have faxed them to us, that will be quicker ''. Filled them out again... faxed in early XXXX. No change. Phone call yesterday in which I was given another completely different set of instructions, have to go through student loans.gov... essentially start over. I stopped XXXX right there and asked where are the other documents with all that personal financial information. " No idea '', he said. 

Imagine my astonishment. That 's XXXX sets of information which anyone could apparently access and then I am screwed. 

So... XXXX XXXX... what would you do? Your organization is unable to provide simple answers. I expect and frankly demand action and real answers. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Comerica
State: MN
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
My Social Security is directly deposited into an account through Direct Express. In XXXX of 2015, my account was charged 96 times for the XXXX XXXX XXXX, with charges ranging from {$4.00} to {$30.00}, totaling {$580.00}. While I have visited the XXXX XXXX on several occasions, I have not incurred this number of charges, nor have I done so over the course of 2 days. 
When I initially addressed the issue with Direct Express, I was told that I had incurred these charges over a period of months and never charged for them until XXXX XXXX and XXXX XXXX. I have been in contact with the XXXX XXXX as well as the XXXX Police Dept. who informed me that this was a glitch that the XXXX XXXX experienced with their credit card system and that their credit card machine had no way of holding onto previous charges and then taking them out on one particular day. This same glitch happened to multiple patrons, and they have all been reimbursed for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Comerica
State: TX
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been having a major problem with XXXX XXXX Prepaid Card taking money from my account not wanting to replace it back nor show me no proof of wats going on. I had to link debit card to my bank account to get statements and transaction history they have caused me to loose lots of money after contacting them multiple calls recorded and all they still attempt to let whoever unauthorize my account with multiple cards stealing money I have asked for my money to be sent back check form and account closed. The representatives supervisors and all are very rude very bad language no help at all total disgrace.. ok I 'm filing this complaint bc I know if it does n't feel good to me it do n't to others and no one should have to worry about their money if loaded on a card it being stolen each month.. But the most serious thing that got my attention was they paid a insurance company like it was me XXXX so when speaking to the letting them know I did n't set up the account they cancelled account and willing to refund money XXXX XXXX still have n't no given me that!!! Actions need to be taking asap I have police reports and all u can contact me XXXX XXXX at XXXX email XXXXXXXXXXXX are at my address XXXX XXXX XXXX XXXX Texas XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
incorrect information has been posted to my credit reports without receiving notice of the debts in question for XXXX this debt was paid in full by the business it was a business account they have reported to all XXXX credit agency also this company call me and my family threatening lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX started calling about 1 & 1/2 years ago regarding a {$150.00} debt. After speaking to a representative on more than one occasion, I was told that i would not get any more bills, not to worry about the bill and that I did not lease any equipment. Many hours were spent on the phone for this. 
Then a few months ago I got a call from XXXX XXXX XXXX, a collection agency. After explaining to Supervisor XXXX XXXX at that agency what the situation was, I completed a Fraud Report at his suggestion. 
Now I am getting calls from Southwest Credit for an even larger amount of money - {$150.00}. I spoke with them and asked them to send me the proof that they said they had that I owed this. They sent no proof-only a bill for {$150.00}. 
We tried calling XXXX XXXX XXXX again last week and I was hung up on when I asked them to please look at their notes, in which it will state that they told me I did not owe them any money on this case. 

Thank you very much for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo provide a brand new full documented loan over the telephone ( XXXX v. Wells Fargo, XXXX ) we requested a modification to our existing mortgage with Wells Fargo we believe they colluded and coursed us into a full loan which removed us from qualifying for a Government HAMP loan as the date is now outside of the guideline for approval. Question is why did Wells Fargo not provide us what we asked, a simple modification. Wells Fargo not only requested but demanded over the phone we sign the new fully documented loan or there as nothing they could to help us. This eventually forced us into bankruptcy, we tried desperiately to communicate with Wells Fargo, and they ignored us, and eventually sold our loan to XXXX, who foreclosed on our home. We are currently making probationary payments to keep our home. Wells Fargo never told us they were selling our loan to XXXX until it was too late. We need HAMP assistance! Our principle balance should revert to XXXX due to our bankruptcy, and we should be able to get a 2-3 % interest rate. XXXX provide their solution which is NOT a solution at all, in fact we believe they are taking advantage of the situation. We can provide more information to you via PDF file. I spell out our situation pretty clear in my previous presentment to all parties involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: PA
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:
Received a phone call today on XXXX XXXX XXXX. This company called XXXX XXXX XXXX, offered a consolidation of my loans. The called originated from New York. They were trying to solicit FSA ID which I did not give. Also try asked for my name, amount of debt, and zipcode which I gave. They later transferred me to another individual and claim to be affiliated with the Department of Education. Once I was transferred the call abrupt ended and the caller end the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had my Bank of America checking account as well my credit cards accounts closed without a warning or reason.I just found out about it after trying to use my credit cards and getting denied. When I went to the bank to get an explanation i was given a XXXX number with a message saying they can terminate their relationship anytime and do not need a reason for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This agency continuously calls me at work even though they have been told numerous times in writing they are not permitted to do so. They are also well aware this debt is not valid. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is a blatant violation of FTC laws. A quick search of your records demonstrates this company has no problem disobeying your rules. They need to be shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a cosigner, when I told the company they harass with calls they said they can call me up to 8 times a day. I am receiving these calls while I am working.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
my income since XXXX/XXXX/XXXX to present is net loss of at least {$XXXX} to date, since I started my business. I have no taxable income to date for XXXX so far. I was in financial hardship deferment until XXXX/XXXX/XXXX payment was due. I submitted the INCOME BASED OR INCOME SENSITIVE REPAYMENT APPLICATION to lower payment AND SUBMITTED XXXX pages of proof of income, banks statements, profit & loss statement for my business on XXXX/XXXX/XXXX. and on XXXX/XXXX/XXXX because Navient specifically asked for PROJECTED ANNUAL GROSS INCOME, which I submitted on that day. After many phone calls to Navient, Navient keeps asking me for more document and keep saying they have more than 15 business days to process the request. It is apparent to me they do not allow lowering payment for me. Loan borrower has rights. I know the loan payment can not legally be more than a percentage limit of his/her income. Realistically, I can not pay with the money I DO N'T HAVE! meanwhile, I am getting penalized because I do n't have {$430.00} to pay every month. Acting illegally, Navient wo n't lower my payment. I do not want my loans to go to default!!! I keep logs of every phone conversations I had with Navient as proof. I did pay {$100.00} due on XXXX/XXXX/XXXX. I have many other personal and business bills to pay. 
I believe Navient is acting illegally. I request a fair hearing. My family household of XXXX are all eligible for XXXX program, it is based on proof of low-income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Bank of America told me that I could get a 30 year FHA mortgage loan through them at 3.8 % with no points and only a loan origination fee of approximately {$1000.00}. I was sent a GFE with those terms. The day before closing, I was sent the paperwork and noticed that I was being charged points and a bigger loan origination fee ( totaling {$3400.00} instead of {$1000.00} ). The seller 's bank would not approve pushing closing back while I looked into the discrepancy, so I asked my loan officer about the differences and he apologized and said he would check on getting me a refund after closing. During one of our discussions after closing, he said that I signed a document agreeing to the points and additional fees, so there was nothing he could do. I asked for a copy of the document. It was one that was sent to me in the mail in a packet that I did sign, but the listed charges that were later listed as points and loan origination charges were listed as 'settlement charges ' and since he told me there were no points and the only bank fee was ~ {$1000.00}, I believed the 'settlement charges ' were charges that were unrelated to points or bank fees, but rather charges that are standard and everyone pays with every FHA mortgage . When I explained this to him, he said that he would look into in and get back with me. Every time I contact him and ask him for an update, he says something like, 'let me check ' and never gets back to me. I feel this is very deceptive and they should refund me the {$2400.00} extra they charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation