BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Payment on Private student loans is not allocated appropriately on multiple occasions. Efforts to correct errors through XXXX XXXX ( now Navient ) representatives has been met with repeated refusal. 

A substantial majority of the monthly payment is allocated to the private loan with the lower interest rate and the smaller principal balance. Instead, a majority of the payment should be allocated to the private loan with the larger principal balance ( which also happens to have a higher interest rate ). 

XXXX XXXX 's ( now Navient ) errors are consistently in the company 's favor because the allocation method used have been frequently applied so that my loan with a lower interest rate is paid off before the loan with a higher interest rate ( and larger principal balance ) In the attached documents, please note that the loan noted as " Loan XXXX '' or as " XXXX '' had an original principal balance of {$32000.00} and has a current interest rate of 3 %. The loan noted as " Loan XXXX '' or as " XXXX '' had an original balance of {$28000.00} and has a current interest rate of 2 %. 

For example, XXXX the attached document will show that my payment of {$430.00} on XXXX XXXX, XXXX was misallocated among the XXXX private loans within a Billing Group. {$250.00} of the total was applied to Loan XXXX with a 2 % interest rate, while only {$180.00} of the total payment was allocated to the loan Loan XXXX with a 3 % interest rate and a larger principal balance. 

In another of the attached documents, a portion ( {$24.00} ) of the {$51.00} payment is applied to the principal of the loan XXXX ( also known as Loan XXXX ) with the lower interest rate while none of the payment is allocated towards the loan XXXX ( also known as Loan XXXX ) with the higher interest rate. 

The third document shows a similar allocation error made on a payment in XXXX XXXX, XXXX. It is included as an example. There are many similar allocation errors made during the course of loan repayment The attached document is only XXXX example of this same allocation error that occurred a number of times until, after repeated requests, XXXX XXXX agreed to separate my XXXX private loans so that they are no longer in a Billing Group. 

After reviewing my original promissory note, I can find no justification for these loans being originally placed into a Billing Group, where they remained for almost 8 years until they were separated. I can see no benefit to me as a consumer that my loans were placed into a Billing Group ; however, the multiple allocation that XXXX XXXX made over several years did benefit XXXX XXXX in that I was prevented from paying down my private loan with the higher interest rate ( and the higher principal balance ) in a timely manner. 

Since this allocation error has been consistent and persistent, I believe it to be systemic and purposeful - likely impacting many borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XXXX XXXX, 2016, I submitted to my servicer a loan modification request. They accepted and when I called back approximately two weeks later, Ocwen told me very rudely that they can not accept my request for workout assistance because the owner of the loan does not participate in modifications. They are not offering me any sort of options to foreclosure. How can the investor not abide by California laws designed to help people who are in distress. Also, each time I call Ocwen they are very rude and I have asked for Spanish speaking agents and they flat out tell me there is none. I believe Ocwen is headquartered XXXX and they simply do not understand Ca laws, nor that they are discriminating against people like me who feel more comfortable to speak in native tongue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
hello this company sent me a letter thru cfpb and to my mail that they will delete all negative info of my credit report but have failed to delete with XXXX and when i disputed with XXXX they verified that i owe and will not remove

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, So in regards to complaint number # XXXX and # XXXX we still have n't heard form our relationship manage XXXX XXXX from Ocwen Mortgage Co. and still have n't resolved the issue that THEY, OCWEN XXXX up our escrow in XXXX of 2015 by not including the hazard insurance. I have received this letter pertaining to the agreements for our HAMP program and loan modification denial by the so called " investor '' whom which either Ocwen or the " investor ' is constantly sending us paperwork stating or loan is overdue and will proceed to foreclose. Also constant inspector fees of people driving past our home, why do we yet again have to pay for that? We are making our payments and including the late fees but yet still receiving threatening letters regarding losing our home? {$1500.00} is too much to be paying for their mistake!! When is someone going to take action for Ocwen constantly trying to push people out of there homes? The one who did the escrow analysis last year should pay for the mistake, not us the homeowners. There was a difference in taxes from XXXX, only {$65.00}??? Also the hazard from last year to this is XXXX {$1000.00} this year {$700.00} a difference of {$380.00}, so why are we short all the time, {$2800.00} to be exact, every year plus with their outstanding cushion amount, which where does that cushion actually go?? Ocwen over estimates causing homeowners to struggle and lose their homes. Fix your mistake!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX 2015, during a 3-way conversation with Wells Fargo rep and XXXX XXXX, WF rep talked about my account information that was outside the realm of what the refi company was asking for. I only gave permission to the WF rep for each question that the XXXX XXXX asked, so there was no need for the WF rep to volunteer any information or say anything unless I gave permission for her to answer the XXXX rep question. Without being asked, the rep talked about my monthly payment and stating the amount that was due and asking when would I be making a payment. The refi person stated that she should not be privy to this information and disconnected the phone call. After this 3-way conversation a yes to refi was turned into a no with no valid reason why refi decision was changed. My complaint is that the WF rep gave out information without my permission and information that was apparently detrimental that lead to my denial of credit. What I want done is to receive monetary compensation from WF for this denial of credit due to incorrect release of information by WF rep.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Balance transfer fee

Complaint:
I have been with Bank of America for nearly 10 years now. It was my first and has been my primary bank account. Recent decisions have protected my investment in the stock but have lowered my confidence as a customer and today 's events was my breaking point with this organization. I waited nearly 40 minutes today to deposit money in my bank account. In summary, I was offered the opportunity for a 0 % interest rate for the next 16 months and the documentation I received indicated I could use it for a balance transfer or to deposit it into my checking account. There were several issues with this ( including it being XXXX over ) that were trivial and not conducive treatment of a " Preferred Rewards '' client. Ultimately, I was told that they would not extend the promo to me and I would have to pay a nearly {$800.00} fee for transaction AFTER the transaction was completed.

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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Around XX/XX/XXXX/XX/XX/XXXX, I received a letter stating the income based plan I was on with XXXX/Navient was ending because I was on it too long and my payments would increase from roughly {$72.00} a month to {$190.00}. I called them immediately and explained I could n't afford that. I was told to call back closer to XX/XX/XXXX when the payments would increase to see what could be done. XX/XX/XXXX, I started my graduate program again and got a one month in-school deferment only because I had exhausted the other months already. So XX/XX/XXXX when repayment began, the payments increased to {$190.00}, not XX/XX/XXXX as I was told. So I called and explained my situation. The rep completed a financial worksheet regarding all my monthly expenses. After giving her all this, she stated that there was nothing they could do because she calculated I had {$230.00} left at the end of the month to pay them. I did n't qualify for the rate reduction program or the reduced payment program. There 's no way I could give them that. My expenses fluctuate each month and I count on that to cover those or any incidentals that happen. I removed my automatic draft and began to pay what I could afford, roughly {$70.00} to {$75.00} each month. Unfortunately, my account began to fall behind because I was n't making the full {$190.00} payments. I then began receiving at least XXXX to XXXX calls a day from Navient about my account. I called back XX/XX/XXXX to discuss the account again. Another rep told me the same thing as the previous rep did. I still have too much money left over. I continued to pay what I could afford. On XX/XX/XXXX, I called again to discuss my account. I spoke with a XXXX ( employee ID # XXXX ) and was told this time that there is no payment reduction program and basically the other reps lied to me about it. He also said that they should n't have wasted their time completing the financial worksheet and did n't bother to take any info me this time. He offered two solutions : a payment plan to bring the account up to current. But that would n't resolve the overall issue of not being able to afford the payments. His other solution was for me to take out another loan from a bank and pay them, which is the most idiotic thing I ever heard. All of my other loan servicers have worked with me when I had trouble paying, regardless of how many times I 've had to ask for help. I have XXXX other loan providers and do n't have an issue with any of them. XXXX/Navient is the first to refuse to help. I do n't want them to default, opening myself up to a whole new set of problems. I need help and them to work with me. I 've had this loan since XX/XX/XXXX and when I was making payments, I never missed. And now, they refuse to provide any kind of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Sallie Mae made my pay for forbearance up to 12 months for the life of the loan for up 3 months at a time because I could n't afford to pay my loan. 

Got from article against Navient law suit. In other cases, borrowers who would have qualified for lower-income-based payments under federal law were instead steered to something called " forbearance, '' which allowed them to skip some payments but saw their interest mount up, unnecessarily increasing the total they supposedly owed.The CFPB claims XXXX may have collected XXXX in interest it should n't have from putting people into forbearance, often multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Commonwealth Health Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.

Company response to consumer: Closed
Consumer complaint received 2016-01-14
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter XXXX Section XXXX MGL Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower inherited property from mother who 's mortgage is in active foreclosure. Borrower submitted a facially complete loss mit on XXXX/XXXX/XXXX but has not been notified of any action taken. The bank 's Motion for Summary Final Judgment on the foreclosure is scheduled for XXXX/XXXX/XXXX. Borrower has filed an opposition thereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Ocwen that I can cancel my escrow account because mortgage reached beelow 65 %. Ocwen is claiming to increase my escrow payments, even thought my taxes have been reduced. I submitted a request to cancel my escrow. I received a letter stating that my request was denied. 
My loan is not in default with the exceptions of fees that I am fighting with Ocwen ( see complaint XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21, someone made multiple purchases totaling {$300.00} on my credit card. These purchases were made at places Ive never been to and several gas stations for way more than the total it costs to fill up my car. My card had clearly been cloned and I was not in the area when the purchases were made. Even though the bank notified me of the fraud and had me verify that I did not make the transactions, they refuse to refund me for the amount charged. Ive spoken to them twice and not only do they refuse to refund me, they put I mark on my credit score. I am outraged that as a victim of fraud I would be treated this way. 
I have attached receipts and text correspondence proving I was not in the area the cards were used in on that day. I was in XXXX while the cards were used in canyon country. My husband works in XXXX and my kids and I were visiting him for lunch as well as a local park and XXXX. Additionally I have provided a recent gas receipt showing the amount my car takes to fill up. Surely this is enough but please advise if additional info is needed

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 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
As a home- owner we have not received a written offer from Bank of America N. A , as the lender or servicer that we deem acceptable. The federal Real Estate Settlement Procedures Act, XXXX gives me the right to request information about my mortgage account. It also gives me the right to demand and compel that my account be corrected, before a decision on our behalf can be made to modify our loan. In this QWR statement this is also an Appeal to review the loan modification terms before an agreement to sign. 


A complete payment history which lists the dates and amounts of all the payments I have made on the loan to date, and how each payment was applied or credited ( whether to principal, interest, escrow, suspense, or some other treatment ) A breakdown of the amount of claimed arrears or delinquencies on the account, including an itemization of all fees and charges you claim are currently due The payment dates, purpose of payment, and recipient of any and all fees and costs that have been charged to the account The payment dates, purpose of payment, and recipient of all escrow items charged to the account A copy of any annual escrow statements, and notices of a shortage, deficiency, or surplus sent within the last three years The current balance in any suspense account as of today and the reason why such funds were deposited in the account The name and address of the owner of the promissory note secured by the deed to secure debt for the mortgage loan referenced above The names of all entities to whom the promissory note referenced above has been sold, assigned or transferred, and the dates that each sale or transfer of the note occurred A copy of the note referenced above, and any attachments showing endorsements that have occurred A copy of any assignment of the note or deed to secure debt A description of all loss mitigation and foreclosure avoidance steps taken with regard to this mortgage loan, including all calculations concerning debt-to-income and net-present-value determinations and all documents regarding loss mitigation A description of any foreclosure avoidance steps taken with regard to this mortgage loan A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? 

Was there any legal representation on my behalf by XXXX XXXX XXXX XXXX involved in any negotiations concerning the modification of loan terms? 

Who are the Trustees of loan and or Trustees of my Deed and Trust?

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 2016-06-20
Company: CHERRY CREEK MORTGAGE COMPANY INC.
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
I believe 1st Reverse Mortgage ( XXXX XXXX ) is a predatory company. They contacted my uncle ( XXXX years old ) about a reverse mortgage. He signed paper work and when asked for it, he could not locate the paperwork. I contacted the company and asked for a copy of the paper work but was told they are not authorized to talk to me. I understand that because I am not on any of the paper work. I am not sure of what to do next in this situation. Is it possible to have 1st Reverse Mortgage investigated for using predatory practices?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I purchased my apartment XX/XX/XXXX and XX/XX/XXXX I was approved a short sale under HAFA. The sale was completed and I was told that any negative credit reporting would be removed from my record. To this date, the mortgagor has not removed negative credit entries from any of my credit reports with any of the agencies. This is having an adverse affect on my ability to apply for other credit and is unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i had a valid overdraft caused by an oversight on my part. the bank charged a valid overdraft fee of {$35.00}. This fee alone took my account into the negative. Before my next pay arrived, I was charged an extended overdraft fee of {$35.00}. I called the bank to have the fee returned, as it was charged solely due to another fee the bank had charged.they refused to return the extended overdraft fee as it is current bank policy.

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 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
You are awesome! You helped me refinance with my mortgage company!! 
The mpi or pmi dropped after the refinance. Is there someone who I could contact in regards to lowering my insurance premium with a fha loan. Any help you can give me would be appreciated. 
One more thing. I make advance principal payments after I pay my mortgage and some how a payment ends up in escrow! I have spoken with my finance company before about this. Several times actually and to no avail they continue to put extra payment in escrow! 
Thank youXXXX XXXXXXXXXXXX

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