BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
For the past year, PNC of XXXX, PA has messed up my accounts. Today I was kicked out of the bank after trying to get this issue resolved again. Each month, my account is screwed up and getting past due letters. Now they tell me that XXXX account is blocked, but they do n't know why and am unable to make a payment. I started with XXXX bank for my mortage, followed it to XXXX and then to PNC. I have been a customer for over 25 years. Paid off my mortgage, and a line of credit for {$17000.00} and have been treated shabbily. Today they kicked me out of the bank and threatened to call the police just because I got upset that they would not take my change and credit it to my account. They said that if I wanted to use the change that I would have to return home, wrap it and then bring it back. Would NOT accept unwrapped coins. I am a senior citizen, XXXX and it is very hard for me to get around and to be told to leave, wrap the coins and then return before they would accept my payment. What kind of banking is that? Last month, I was assured that everything was taken care of and there would not be any more problems.

Company response to consumer: Closed
Consumer complaint received 2015-06-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attended International Academy XXXX ( XXXX ). I 've graduated but have struggled to find a job in my field. 
My Private loan is now being serviced by Navient. Acct # XXXX was on a payment plan of XXXX per month which my wife and I were paying. However, in XXXX the payments spiked to $ XXXX. 
I called Navient today with my wife to provide all the necessary information to try to obtain a lower payment. The representative asked for our income and bills and we provided it. 

She then proceeded to say that we did not qualify for a lower payment, and that it was our fault for getting a more expensive car this year. She offensively said that we were not managing our finances well and that it was our fault we could n't make the payments. How dare she say this when she does n't know or even asked why the payment went up. Our other car broke down and we still owed XXXX on it, and we had to absorve that debt into the new car payment. XXXX We were helping him and his wife financially because she was pregnant and delivered on the same day XXXX 
This representative spoke to us with hate and a demeanor of discrimination because I have an accent, which is why I had my wife help me speak. She yelled at my wife and talked over her screaming for over a minute. We requested a manager and the manager basically did nothing. I asked for an apology from the individual and he refused. I told him that the way they were speaking to consumers was incorrect and I was going to file a complaint. They XXXX said go ahead, file whatever you want to file. I asked the manager to pull a copy of the call so he could hear all the disasters said by the other rep but nothing was done. 
At this point, after reviewing that my loan was XXXX initially and it is now at over XXXX, I 'd like a recalculation of all the money owed. I am almost positive it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Receivables Performance Management, LLC
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 instead of my attorney

Complaint:
XXXX collector calls on Sunday XX/XX/2015 and threatens me about a XXXX account. I asked who he was and he said third part representing XXXX XXXX never identified himself. Just went into a statement that they would put this on my credit report. XXXX phone call on Tuesday XXXX XX/XX/2015 XXXX name as XXXX with XXXX out of Washington. said account was just received in there office on Friday. I never received any mail stating they represent XXXX today is XX/XX/2015 and still no letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: NC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2017-02-15
Company: AES/PHEAA
State: NJ
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 have a student loan with XXXX department of education. The monthly payment was {$95.00}, I am not sure the exact change. 
XX/XX/2015, I received a letter from a company that called XXXX help stated they can help me with the loan. So I called them and I spoke with somebody 's name XXXX XXXX. He said that he can help me qualify for a program to help me lower the payment and he asked me some info about myself and provided him all my info. He set up the loan and told that the loan payment will be {$91.00} every XXXX of the month, but the payments have to take automatically from my checking account to qualify for that program. 
So everything was setup and they started taking the payments XX/XX/2015 until now, they are still taking the payments. 
Last week I received a letter from the same company which is Fedloan. In the letter, they mentioned the monthly payment is {$160.00}. I called them and spoke with XXXX different person, the both said they never received any payments from me and they have no payment history, they do n't know what I am talking about. This morning, I emailed XXXX XXXX explained to him what happen and I said " I want all the money that I have been paid since XX/XX/2015 until now, all he replied back to me that he will get fix. I called and let a voicemail for him, he never call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Homeowner filed a claim with his insurance company for damages to the home. Insurance company issued a check made payable to both the bank ( mortgage holder ) and homeowner to pay the claim. Both homeowner and bank needed to be signed on back of check for endorsement and release. After numerous calls and complaints into the bank they continued to refuse to endorse the insurance check that was sent to be used for home repair. It was later revealed the bank used my insurance funds to satisfy a judgement award in a seperate matter. The damaged home accrued further damage due to the bank 's negligence and reckless handling of not resolving this issue in a timely fashion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was recently applying to purchase a home through the XXXX  XXXX XXXX XXXX  XXXX. When I filled out the application and went for approval I was told there were some things I needed to clear up before the purchase. One, in particular, was from a rental property I used to stay at a couple of years ago. XXXX XXXX well since they were increasing rent I decided I was going to move. So, I told the landlord that once my lease is up I will no longer be staying here and I will NOT be signing another lease. When the month came and my lease was up I moved. There is no way I broke my lease nor was I evicted or abandoned my place of residence. I had a verbal agreement that I would not sign another lease and I would be moving. Now not only did XXXX XXXX charge me a whole year 's worth of rent ( {$12000.00} ) or ( {$12000.00} ) or $ ( XXXX ) that reporting to the XXXX XXXX that was sold to Hunter Warfield debt collection company as a collection of bad debt and they have in turn ruined my credit score by placing this erroneous debt that I do not legally owe on my consumer report. I'm a natural person and I have never entered into any written or verbal agreement with Hunter Warfield allowing them to charge me a debt or place any information on my consumer report. Can you assist with this matter? as me and my family would like to be able to purchase our 1st home this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a primary home with mortgage and put 10 $ % down. I had to get PMI on the loan. I requested the LTV ratio at which we need to get PMI released from the Loan and I have written evidence from Caliber Home Loans stating if I pay down the Loan to 80 % they PMI will be released. We paid the loan to below 80 % and they they denied our request and said we need to pay it down to 75 %. We just paid it down to 75 % LTV and now they are making us get an appraisal to redetermine the LTV. The regulation requires them to automatically cancel the PMI with two years good payments, no late payments, and 75 % LTV ; all of which we have satisfied. The XXXX XXXX XXXX guidelines allow PMI to be released if you make betterments or improvements to the property and get an appriasal which would show the Value is higher and thus the LTV ratio could be lower than 75 %. This requirement is not necessary if you are just paying down the principal!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was alerted to a medical collection on my credit report under the name of XXXX XXXX on XXXX XXXX while attempting to secure a mortgage. The account number listed is XXXX. On the afternoon of XXXX XXXX, I contacted I.C Systems via phone ( at XXXX ). When I got someone on the phone ( a woman who refused to repeat her name after it was given once, quickly, or collector identification ) I asked for information for who the original debt was issued by ; my credit report references a medical provider in Pennsylvania, but the name of the doctor / practice is not showing on the reports. I advised the woman I had an account number - she stated that they were unable to provide any information to me on the original debt at that time. She did not take down the account number, but read back my phone number to me from caller ID and advised my number was not appearing in their system. I again asked for validation of debt and I was told it was n't available. To date, I have not received any written communication from I.C. Systems or any medical services provider concerning a debt in the amount of {$89.00}.

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 2022-05-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was suspended on XXXX XXXX because the company said I could have violated the terms and conditions from when I signed up. I sent the documentation that was requested, a copy of my Identification, social security card, and a proof of a bill with my address. I was told it would take 24-48 hours for a response from the department about my account if it would be reopened or if it would be closed and a check would be mailed to me. After sending the information I still have not hear from the bank I have emailed them several time and called and they are still stating that the account is under review. I have {$1300.00} in my savings account and around {$120.00} in my checking account with them that I can not access

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint against CitiMortgage based on their unwillingness to provide the HARP program to me due to the mortgage is for a manufactured home. 
I recently had my monthly take home income reduced from {$10000.00} to {$2000.00} and have a 12 year loan at a XXXX high annual percent rate of 6.25. 
I called the CitiMortage customer service telephone number on XXXX/XXXX/2015 and spoke with a person named XXXX ( employee # XXXX ). XXXX said that CitiMortgage considers HARPs as new loans and CitiMortgage does not do a HARP on manufactured housing. 

Address of the mortgaged property XXXX XXXX XXXX XXXX, IN. XXXX Loan Number - XXXX If HARP is a federal program to provide assistance than I should be included being eligible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: MILLENIUM HOME MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were the potential buyers for a XXXX at XXXX XXXX XXXX. We have been mislead and deceived to believe that we would receive a commitment letter from a specific broker, XXXX XXXX, at NJ 's Millenium Home Mortgage - NMLS ID # XXXX. This led to us breaching our contract due to the time limitation on when we had to receive the commitment letter. On multiple occasions, reassurances were given that the process would be adjusted and the letter would come. Emails document these events. Most notably, the day we were told we would get the letter and that the lender approved our loan, XXXX calls to ask for a credit score. That was the final event that led to this complaint.

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 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
BAC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started on XXXX XXXX, XXXX. 

The seller is DEAD - has been since XXXX XXXX, and Bank of America was provided the Death Certificate of the Seller, the Death Certificate of the XXXX Successor Trust Deed, and the Sellers Trust Docs ON XXXX XXXX, XXXX ******THESES WERE PROVIDED IMMEDIATELY UPON OPENING THIS SHORT SALE *********THE ISSUE WAS RESOLVED WITH BANK OF AMERICA AT THAT TIME ************ PLEASE SEE ATTACHED DATABASE NOTES - pages XXXX and XXXX *****************PLEASE SEE ATTACHED APPROVAL LETTER Now, however, Bank of America does not have the correct social security number in their system and they refuse to change it even though they have had a copy of the death certificate for 5 months. 

Bank of America has also taken it upon themselves to change the 'name ' of the seller t something that Title is NOT held in. There is NO SUCH THING AS ''The Estate of XXXX XXXX XXXX XXXX but bank of America refuses to speak to an authorized third party unless they say " The Estate of ... ... '' -- This can not possible be legal. 

Also - Bank of America refuses to talk to me even though I have been authorized on this file for 5 months - AND HAVE AN APPROVAL ON THIS FILE. 

Bank of America has decided for no valid reason that they will give us to cancel the short sale- This IS AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US XXXX 

Bank of America has decided for no valid reason that they will give us to DELETE ALL the information we have previously provided to them - This is AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US. 

THIS IS UNACCEPTABLE. No wonder Bank of America has received the most CFPB complaints since the creation of the CFPB in XXXX. XXXX does n't even have as many complaints as Bank of America, and XXXX does most of their servicing in third world countries with people that can barely speak English. 

It is pathetic that Bank of America has more complaints than a third-world servicer.

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 2022-05-23
Company: Accelerated Servicing Group LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Repeated attempts to collect a debt already discharged in bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2016 I requested I validation of debt via an affidavit sworn under penalty of perjury. Midland Credit Management , Inc. failed to provide validation and keeps reporting the disputed item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: GREAT LAKES
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Five years ago I consolidated all my loans with XXXX XXXX. Now it is XXXX. I am current with my payment and have not missed. I am now getting a bill from Great Lakes on my student loan of {$150000.00} and they say I am behind. I NEVER GOT ANY NOTICES. And what happened to my consolidation? 

I am in the process of communicating with them and they are trying to determine what happened on the consolidation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. I sent the company a demand for validation to provide me Contractual Agreements for this account. They have not provided any validation. In turn they have continued reporting the account on my credit report thereby violating the FDCPA which is punishable by a {$1000.00} fine in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called The CBE Group, Inc because they sent me a email about a debt which I know about. I called to make arrangements because I want to get this paid. The gentleman I spoke to had a heavy middle eastern accent and I was telling him that I will make monthly payments starting XXXX XXXX of 2016. I think his name was XXXX or XXXX ... but he told me if I do n't setup automatic withdraws his company will continue to call me. I asked him to repeat his name because I did n't understand ; His reply was that he already said his name in the beginning. That 's the XXXX negative response because I 'm the consumer who is actually trying to take care of this matter ... I do n't deserve that treatment when a company wants me to pay them. I asked for his manager and he never transferred the call to a manager ; he placed another agent or changed his voice because he sounded just like the unprofessional agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a letter addressed to me in the mail that states I was pre-selected for a low interest credit card from Bank of America, specifically a Master Card. The letter also says it is a " special offer for me. '' Because the interest rate was low I wanted to transfer a higher interest balance to this card. When I applied I was rejected for the balance transfer.

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 2016-10-10
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
.I filed dispute with XXXX XXXX XXXX XX/XX/2016 And they replied that debit was reported correctly. I 've researched and spoke with threatening debit collector and now submit documents, reciepts, photos of there claim that last month rent unpaid and damage to apt . Made up this fictitious debit. I was in Hospital XXXX and family paid my portion of Section 8 subsidised rent. They stayed in contact with management concerning my status.When I returned home there were no doors to my apt . XXXX. Management informed me they had removed doors because of my not answering them. I was XXXX ill and now homeless no clothing all was lost ( antique furniture, family photos, jewelry, electronics, etc. )

Company response to consumer: Closed with explanation