BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-25
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. XXXX XXXX XXXX will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to XXXX XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my XXXX in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even abc financial called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
It is our contention that Capital One Bank has been UNJUSTLY ENRICHED and has engaged in DECEPTIVE PRACTICES to obtain the mortgage of the subject property. We have reason to believe that either, the loan terms were misrepresented to us before closing and payments made to the servicer on this note were inaccurately charged or will be charged over the life of the loan, and/or posted, causing unnecessary financial and emotional stress. We are particularly concerned that the mortgage broker represented that Capital One could provide a loan under {$3000.00} and that a HUD 1 was never provided to us before closing. Until recently, we have stayed in contact with XXXX XXXX XXXX and XXXX XXXX XXXX people within your customer service departments, loss mitigation departments, without successful resolution. Throughout the loan process we were given the runaround by Capital One starting with a former employer of Capital One, XXXX XXXX XXXX not securing and losing all of my personal documentation. My family is not trying to get out of paying anything, only obtaining the amount we feel we are owed by Capital One based on disclosures by your mortgage broker. The amount of damages we are seeking based on the negligent actions of XXXX XXXX XXXX amounts to {$72000.00} over the life or the loan. Alternatively, we want the option to renegotiate the terms of the loan with Capital One and/or outside mortgage companies who were more truthful than Capital One from the start of this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Flagstar Bank, N.A.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Flagstar bank since XX/XX/XXXX it is very high interest@11.375 % I have tried at least 5 times over the years to refinance for better rate only to be rejected or completely ignored, I have got nothing but the old Run around, we will call you back or put on hold for no one to ever pick back up. I have been working with XXXX as it turns out he is getting the same treatment. I have talked with XXXX for the elderly several times she has been great, shes answered and returned calls. I am NOT in foreclosure but during the new year holidays a company named XXXX did an illegal lock out!!! I have been trying to sell the house because Flagstar is impossible to work with, they have put insurance on my mortgage loan even thou Iv had insurance without laps.My insurance and taxes have allways been included with my payment thru escrow, when I listed my house XX/XX/XXXX my realtor discovered that XX/XX/XXXX taxes were not paid to XXXX co. I have been XXXX, Bullied and Abused by Flagstar Bank for 16 years, I cant take no more! I Pray for Help!!!

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 2015-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I was charged by Bank of America for {$35.00} late payment charges XXXX in the past XXXX months. I understand I was late on the payment in XXXX and XXXX, but I still think {$35.00} late payment charge is ridiculous. I contacted them multiple times and they said they could not waive the fees for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
I had a debt with XXXX in which I was paying for a deductible for an accident. I set up a 6 month payment arrangement with an agent for {$310.00}. The first deduction was electronically pulled from my account on XXXX/XXXX/2016. I received no email or written confirmation of this agreement nor did I receive a receipt. I had no idea, at first, what the charge was because all I saw was the amount deducted from my account. I call them in XXXX to request statements and complain about not receiving any. Then I was informed I still owed XXXX after I had already made 4 months of payments. I was also informed the representative that set up this arrangement did not follow proper procedures and that a 6 month arrangement was not an option, that I was supposed to make that payment in 30 days. I then informed them I would not be paying the new balance as that is not what I agreed upon. That day I spoke with XXXX different people from TransWorld. The last person I spoke to was a manager by the name of XXXX XXXX, phone number XXXX. I asked him to retract the recorded call in which I agreed upon the payment arrangement. That was The week before XX/XX/XXXX, he told me to call after the holiday. I told him I did not any more payments being deducted from my account until we figured out what was going on with my account. He assured me he cancelled any future payments. I called XXXX XXXX the first week of XXXX as I finally got my first statement in the mail from Transworld stating they would deduct XXXX from my account on XXXX XXXX. I called XXXX XXXX again to ask him why I was receiving this notice after I told him I wanted to cancel any further payments and he assured me it was just an automatic statement, and that the funds will not withdraw from my account. I also asked if he had heard back from the department that has access to the recorded calls. He said he did not, that he would give me a call tomorrow after he spoke with them. I did not receive a call from him the next day. It is not XXXX XXXX, 2016 and Transworld deducted XXXX from my XXXX XXXX XXXX account today. I am now canceling any future payments from this company with my bank and I want to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was given a promotional offer for a new XXXX rewards card from Amex and was promised XXXX points on spending {$2000.00} in 3 months. 

I was told multiple times by the customer service that i would be awarded XXXX points on calling them to verify the offer. 

The company did not award the points despite me meeting the criteria. 

The company later changed the terms that would make previous members ineligible for the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was transferred from PHH Mortgage Services to Shellpoint Mortgage Services late last year. Since the time of this transfer, we have experienced much confusion and disappointment. In XXXX of XXXX, we were placed on a trial loan modification. We were allowed to make our regular monthly payments for four months. Then at the end of four months, we were instructed to pay {$4000.00}. At the end of four months XXXX XX/XX/XXXX XXXX, we only had {$2000.00}. Shellpoint then told us that they would check to see if they would accept the {$2000.00} and place us on modification. Then a few weeks later we were told that it was ok that we did not have the full amount because we had made the payments on time. They would be sending the papers out for our modification. So, we waited for another three or four weeks and never received the promised documentation. Therefore, every time I called Shellpoint, I would get a different person and a different statement. Finally after calling for several months, we were told that we would not be able to receive a modification because we had exhausted all modifications. Then the next thing I know they are going to foreclose on our home. Our only option is to do a short sale or deed in lieu. We received very poor service from Shellpoint and feel that we deserve better than this. Of course we believe that there are other programs out there that can assist us in saving our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a letter from XXXX XXXX XXXX stating I owe on a XXXX account in which the account number does not match my credit report for XXXX. They are saying I made a payment in 2012 in which I did not. My XXXX account has been paid off as agreed and now the attorney wants proof of that. But they have a different account number. I do n't understand I think its fraudulent. The balances from both accounts are similar but they do n't even match. The attorney is sending me a dispute packet. They have submitted court documents also ... this is n't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
a load reversal in the amnt of XXXX was made on my acct ( call it a ) from merchant affiliated with card company in error on XX/XX/XXXX info was verified by my credit card ( card b ) that funds were removed and posted on orginal date of transactionand prepaid card company cant figure why funds removed nor seem willing to return.. I have spoken with fraud dept, acct protection and merchant affiliated with amex serve and have been given incorrect info, no call backs as promised.. I keep having to contact my cc company and have given my personal cc info 3 times along with my ssn to these reps ( not smart I know )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an offer from Midland Credit Management to settle an old collection account for " 40 % off '' 'if I paid {$740.00} by XXXX/XXXX/15. I mailed them a check for that amount which cleared on XXXX/XXXX/15. Today I received a letter stating " Our records indicate that your payment plan has expired or you have not yet established a payment plan on your outstanding balance. '' Now they are demanding {$490.00}. I feel this is unfair since I accepted their offer of a lump sum payment and consequently did not need a payment plan. 

I do not wish to speak to company representatives by phone. I took their offer at face value and was trying to do the right thing. I do n't believe their offer was a good faith offer or negotiation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled the account back in 2010 and this collection agency sold my account to another agency even after got a paid in full letter confirming paid off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2012 I filed for chapter XXXX bankrupcy. At the time of the bankrupcy I did not include my mortgage as I intended to continue making payments and reside in the property. My attorney, XXXX XXXX, at the time of bankrupcy filed paperwork with my home loan provider Bank of America to reaffirm the mortgage.XXXX Years later I decided to refinance my residence to get a lower interest rate and reduce my monthly payments as part of HARP. Bank of America is now telling me my mortgage was never reaffirmed and in order to do so will have to reopen the case. I got back in touch with my attorney who indicated reopening the case would cost a minimum of XXXX dollars out of my pocket and is difficult to do if BOA does not send her the reaffirmation paperwork, which they will not do until the case has been reopened. It was stated in emails from my attorney between BOA, that it was common practice that BOA does not reaffirm during the bankrupcy process. 
For XXXX years because of this, my mortgage has not been listed anywhere on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow account decreased thereby decreasing my mortgage payment and Bank of America 's Branch Office located on XXXX XXXX XXXX, XXXX, NJ XXXX will NOT accept my payment. The representatives claim that I am paying LESS than what the mortgage payment due is as shown on their computer system. I have explained each time to the drive-thru employee that my Escrow Account was adjusted and I am remitting the full monthly mortgage payment for XXXX XXXX, 2015. They refuse the FULL payment each and every time. I have appeared on numerous occasions which began on XXXX XXXX, 2015 and today, XXXX XXXX, 2015, was my last attempt and the payment was rejected again. I now assume that BOA does not want my mortgage payment for reasons unknown to me. If I do not make a payment, BOA will ruin my stellar credit. Please note that when I attempt to make a payment, I utilize the payment stub that Bank of America provided to me in XXXX, 2015, with my new Escrow Analysis. 

Also, in prior months, when BOA receives my mortgage payment, they continue to place the full amount in an account for mortgage modification when I did NOT accept their modification offer. I must then call each month to demand that they correctly apply the payment to my mortgage account. 

Does BOA want me to pay my mortgage or not?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: CA
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:
I have had an ongoing dispute with Navient for more than 2.5 years and have filed numerous CFPB complaints and a complaint with the XXXX. There are 2 private loans that originated with XXXX prior to the incorporation of Navient in XX/XX/2010 that did not require payment until my commencement at XXXX. Due to unforeseeable circumstances I was short the necessary credits to graduate and the college recommended I take a XXXX course. Unbeknownst to the administration, they failed to provide an academic accommodation and incorrectly reporting my enrollment status to the XXXX. This led all my loans, including those with XXXX to go into immediate repayment without my knowledge while I was still enrolled in school. We were never alerted to the schools error and the fact no grace period was ever extended. XXXX harassed me and my extended family demanding repayment without explanation. XXXX only called to discuss repayment for federal student loan. My father made a payment on my behalf for the federal student loans. These funds were misapplied by XXXX to private loans instead. After payments were made these private loans immediately went into default without my knowledge. Through research we discovered the enrollment reporting issue made by XXXX that caused these private loans to go into immediate repayment and default. Navient refuses to accept or acknowledge information provided by the college itself that would declare me half time or more enrolled during the semester that the loans went into repayment. Navient also fails to acknowledge my correct commencement date. They refuse to acknowledge these corrections which would remove the defaults from my credit report. Navient has not offered any support or resources to resolve the issue. They recently resold these loans to a different collection agency XXXX which have contacted family members at phone numbers that have never been provided to Navient, disclosing private financial information to family members that are not cosigners on any of these loans. XXXX attempted to harass and deceive these family member to provide private information by calling from various local numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were affected by Hurricane Irma and were in forbearance based solely on location of mortgaged property ( XXXX, Florida ) which was in a PDMDA. After the forbearance period Freedom Mortgagee must offer Rate and Term modifications at the conclusion of the forbearance period based on the criteria found in Handbook 4000.1 III.A.3.c.iv. ( C ). 

Freedom never did this. They immediately began assessing late fees and reporting a delinquency to the credit bureaus.

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 2015-04-16
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Dear Sirs : I was the holder of an American Express ( AMEX ) Corporate Card at the request of my employer. My final payment on this account ( which is now a closed account ) exceeded the amount due by {$190.00}. That is the credit balance American Express has agreed that I overpaid. American Express communicated to me, on at least XXXX occasions that They would promptly be issuing me a refund. AMEX employee ident. # s and dates : XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15. All of these AMEX customer service employees gave me different dates and commitments for when my check was sent to me and when I should expect to receive it. I just learned today that AMEX mailed my refund to my former employer ( XXXX ). They state that my card member agreement provides them the right to do this. The Card member agreement that accompanied my card, AMEX document XXXX # XXXX does not communicate this provision. In fact it states that I am solely responsible for all transactions and charges associated with the card ( section XXXX ). If there is a document that communicates this feature guiding any card member refunds it was not disclosed to the card member. I would appreciate a full investigation of the behavior of AMEX for lying to card members, improper card member disclosure and failure to return an overpayment in an inactive account to the responsible cardholder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10
Company: AMERICAN EXPRESS COMPANY
State: AE
Product: Credit card
Issue: Rewards

Complaint:
I received a flyer from American Express asking me to sign up for a business credit card and spend {$10000.00} w/in 3 months to receive XXXX points. When I tried to use the code and sign up online, their website kept telling me it was having problems and to call and sign up. When I did so, I made sure the representative was signing me up under the XXXX reward points code. After fulfilling the {$10000.00} spend requirement, I noticed I was only given XXXX points. I contacted AmEx numerous times, being told that although they confirmed I was offered the XXXX point offer, that I was signed up under XXXX point offer. This is fraud, they intentionally enticed me with the XXXX point offer, then ensured I had to call instead of signing up online where I could have verification of the correct offer ( the rep told me that they make everyone call ), then switched offers after verbally telling me I was getting the XXXX points. Classic bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This debt collection agency is pretending to be a Law Firm, and has called harrassing me and friends and family. They even give a docket number threatening to show up at my job.

Company response to consumer: Closed with explanation