BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-23
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls, including XXXX this Saturday morning, XXXX/XXXX/2015, at XXXX., from ( XXXX ) XXXX, a company called Naviant (? ). I have the same first name, but a different last name, different address, and different date of birth. I have never borrowed from the company and, even so, I am not behind on any payments to anyone. I have told them all of this, and they still keep calling. In any event, I thought they could not call before XXXX I want them to stop calling me -- I am not the right person!.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I upgraded to a XXXX Spirit Airline Credit Card back in XXXX. 
I have used the card exclusively to obtain air miles. I went to use those miles XXXX recently only to find out that the miles expired because I was n't using the card. I explained to both Bank of America and to Spirit Airlines that I have charges an average of XXXX to XXXX a month ( I can provide statement print outs for the last 12 months of charges in excess of XXXX each month ) - ( I can provide the last Spirit Airline statement ). 
Hours on the phone waiting, waiting and waiting ... prompts and then folks who can not really help. 
Are these Cards Scams? Should I really be using these types of cards?

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 2015-10-30
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citicard is calling my house repeatedly to collect a {$20.00} credit card overdue payment. Just today, XXXX/XXXX/15 they called at XXXX, XXXX, XXXX, XXXX, and XXXX. This is harassment and abusive. They need to stop this. Citi is calling from XXXX. Citi has been doing this for several days now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This letter is a complaint about PayPal 's Seller Protection and Chargeback Fees. I am posting this so others can learn about PayPal 's wrongdoing. 

Regarding case ID : XXXX, PayPal states I did not follow " Seller Protection performance requirements. '' However, I strongly followed PayPal 's Seller Protection requirements, in addition to eBay 's Seller Protection. 

I had sent proof of tracking #, eBay message confirming receipt of payment to the buyer along with their game code, buyer leaving positive feedback, and proof from XXXX that the code was redeemed. It is evident that the buyer was a scammer. 

PayPal still initiated a chargeback of {$34.00} USD plus an additional {$20.00} USD chargeback fee. There was no Seller Protection offered to me, to protect me against a scammer. This was not the only chargeback against me, as many of my eBay products were targeted by scammers - many of whom are no longer registered on eBay. This is not right and is false advertising by both eBay and PayPal for stating sellers are " protected '' by their Seller Protection. 

In a separate matter, I paid {$2.00} ( ID : XXXX ) for an eBay USPS shipping, however, the buyer also turned out to be a scammer who is now unregistered on eBay. I never used or shipped out the package. PayPal has yet to refund me on this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19
Company: Navient Solutions, LLC.
State: PA
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:
My student loans have been transferred from XXXX XXXX to Navient. After this change occurred, it is no longer possible to set up an automatic debit greater than the minimum required payment. This capability was available before the change. 
This clearly puts additional burden on anyone attempting to pay off their loans ahead of schedule, as manual payments would be necessary on a monthly basis to achieve the same effect. Further, it works to the benefit of Navient if their debtors have difficulty making payments greater than the minimum, as it makes it more likely they will be able to collect additional interest. 
Therefore, I am submitting the formal complaint that Navient has effectively changed the terms of my loan repayment without my consent, and unfairly increased the burden on their debtors to their financial advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Navient Solutions, LLC.
State: LA
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:
My student loan is serviced through Navient. Navient makes calls to my children and spouse disclosing personal/ private information through voice mails. They have obtained cellular phone numbers to harass. I would like this harassment to cease. They make it really difficult to attend to this matter through this collection harassment. I am fearful that speaking with them will only strong arm me into a situation I can not manage. This is out of control now from past collection activities which recommended only forebearance as options. I had a XXXX loan which is now over XXXX . Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My loan with Hyundai Motor Finance was paid off in XX/XX/2020. Unbeknownst to me, they never released my title. I have put in numerous requests for my title to be released. Every representative gives me the same story. There is no direct communication access to their title department. I can not receive my title or a release of lien letter. 

This has caused a great hardship to me. I am trying to sell my vehicle but can not. I was literally in the middle of a transaction of a {$16000.00} transaction that fell through because I can not get access to my title. This 2 year delay is inexcusable. 


I am desperately asking for someone to expedite my matter and provide me with a release of lien letter.

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 2016-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
It appears there is some miscommunication between Capital One and myself. Without doing all the details last year, I had to install an automatic call recorder on my cell phone number XXXX. 

I received a notification of a 30 day late pay from equifax. This appears to have occurred according to the credit reports ( all of them ) sometime in XXXX of 2015. I called in not aware that my cell was recording the call ( had forgotten ) Although I made a payment timely, it was not credited for whatever reason. The service rep who is employed by Capital One and identified himself as a Capital One Employee states on the recording that there was a system error when I made the payment thus not crediting it to my account nor removing it from my bank account. It is and has been Capital One 's position that there contract with the Credit bureaus does n't allow them to change this supposed late pay that was made timely and was not credited nor deducted according to their own employee as a result of a SYSTEM ERROR ON CAPITAL ONE 'S END. I do n't want to retain a lawyer but will and I am sure after they hear the recording which I have offered to let any capital one employee hear and they have refused. Capital One 's position is that we ca n't record calls. Fortunately, I live in XXXX and while substantive law may be in XXXX, the fact is that the recording was by mistake and was done in XXXX and is fully admissible in any court. The number is Capital One 's and the employee is clearly a Capital One employee. All I get is we are not going to change this. I have tried through Social Media and while a woman was very helpful she said she ca n't change it but offered no explanation other than it was late. I have sent numerous letters to XXXX and various addresses and still have gotten no response even though these were disputes by me according to the FCRA and FDCPA. All I want are the reports updated to show never late and remove the XXXX ding on this account for what the 2 or 3 years I have had it. Even if I was late which I deny, I do n't understand why as a gesture of good will, Capital One would n't remove it for a person who had just supported XXXX people after his wife was injured by a maniac surgeon ( XXXX XXXX XXXX XXXX my now ex-wife is XXXX XXXX. ) I paid over XXXX XXXX in medical bills supported a family working XXXX hours per week and dont ' understand the lack of good will nor accountability here. I have been told the contract with the CRA 's requires this. The contract first of all has about XXXX exceptions and allows for updates for a bank or credit card company one time for good will and allows re-do 's when the bank has made an error. I do n't like filing this complaint. I would prefer not to eventually hire a lawyer and file complaints with multiple federal and state agencies. I just want my credit updated in accordance with my recorded conversation with the Capital One employee. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We refinanced our mortgage for a lower rate. We went with a local bank instead of through our previous lender, Flagstar Bank ( MI ). On XXXX/XXXX/16 I made our last mortgage payment over the phone with a Flagstar representative. I received a confirmation e-mail. This past week my husband kept receiving calls from Flagstar Bank stating that the payment was not made due to " insufficient funds ''. My husband has $ XXXX in his account. The Flagstar representative did not take down the correct routing number. Our new lender wired the payoff amount to Flagstar Bank and it was returned since Flagstar stated that I we needed to pay additional fees of : {$340.00} in order to pay off the loan. On XXXX/XXXX/16 I called and paid the additional fees and the mortgage from XX/XX/XXXX. I tried over the phone to get the fees waived with no luck. I want Flagstar Bank to refund me the amount of {$340.00} for their errors. I should not have to pay a late fee for their mistake. Their errors almost demolished our refinance.

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 2015-10-06
Company: Fidelity National Financial, Inc
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Sold a house in XXXX in 2007. At/after closing, paid off mortgage and home equity loan. Moved to XXXX. About 5 years later, I was contacted by an unknown company to me, Fidelity National Title Insurance Company. They are suing me and my ex-wife, claiming we did n't pay our home equity loan. I 've sent this company, the court and the judge our home equity loan certificate of satisfaction, stating the loan was satisfied on XXXX/XXXX/2007. But, the judge wo n't throw it out, even though I submitted the letter. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am regularly sending this debt collector {$20.00} per month as a check. They sent me a letter stating that on XX/XX/2017 I " provided verbal, recorded consent as your electronic signature authorizing [ the debt collector ] to process reoccurring, electronic funds transfers from your bank account ... '' I did not speak to them by phone. They could not produce this recording if they were asked for it. 

They go on to say that " this payment authorization is valid and will remain in effect unless you notify [ the debt collector ] ... '' I take this as a threat to illegally seize money from my bank account unless I contact them to dispute their lie. I do not want to contact them. I am paying this debt off, slowly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Was in XXXX XXXX XXXX XXXX in XX/XX/XXXX. Hospital has 3rd-party billing company - XXXX ( AKA XXXX ' ). XXXX & I have had ongoing billing issues thru XX/XX/XXXX, due to my 'overpayment ' of bill ( which should 've been 'zeroed out ' due to my insurance/their billing mistakes ). Have received XXXX ( XXXX ) refund checks from local state facility ( no address avail via XXXX, but have local # AND XXXX # ). 3 months had passed, as of this week ( opened mail XX/XX/XXXX, no datemark on XXXX envelope, just XXXX 's return city/state of XXXX, Tennessee ) with Bank of America 's debit card ( aka 'BofA ' ) attached to default debit card form, only referencing XXXX logo up top of form, reference in bottom right says, card value : {$100.00}, XXXX XXXX XXXX XXXX along with included bank facts of how private information can be shared. Never authorized 3rd-party billing to 'volunteer ' my private information ( including my SSN, which is referenced in bank doc ), nor agreed to it in hospital documentation. Contacted XXXX via XXXX #, asked for supervisor, got XXXX XXXX, rude, interrupted my statements of HIPPA violation reasons & that I 'd previously gotten refund checks, by saying it was NOT HIPPA violation, that it was 'new ' policy ( my summation is that I wo n't be the only individual dealing with this HIPPA violation ). I interrupted her to get her full name, told her I would be reporting her for HIPPA violation and hung up. Tried calling my bank to see what options I had, no one available to help, decided to call local state XXXX #, spoke to XXXX XXXX. Am uncertain whether she 's aware of other office 's ( corporate? ) policy, BUT was extremely pleasant and helpful, said she 'd follow up with me 24/48 hours later via email, repeated back to me my requests : 1, to have my private info removed from BofA ; 2, that I get a refund CHECK from XXXX ; 3, that BofA credit card made void.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have both private and federal student loans with Navient. There are two issues that need to be addressed. My credit score recently dropped XXXX points because Navient mistakenly reported I owe a {$520.00} payment! My payments to Navient are auto debited on time each month, twice a month.I immediately called Navient to inquire about the supposed missed payment of {$520.00}. They checked my account history and showed that I was current on my accounts and they had no idea where {$520.00} was coming from. I check my credit regularly with XXXX XXXX and am attaching documentation. I also called XXXX to verify that my score had dropped and they confirmed it had recently changed and they were showing that Navient was reporting a payment due of {$520.00}! I would like Navient to report to Equifax and any other credit bureaus that I do not owe a payment of {$520.00} and they mistakenly reported that payment due and tell the credit bureaus that I am and have been current and on time with my payments to them. 
The second issue concerns making payments to Navient where the majority has been applied by Navient to interest and a minimal amount toward the principal. I am attaching documentation of my recent payment history with Navient. I 'm specifically speaking of payments made on XXXX a payment of {$200.00} was made and only {$62.00} went to principal. Two payments made on XXXX one for {$150.00} where only {$1.00} went toward principal. The other payment ( on same day ) for {$60.00} where only {$0.00} cents went to the principal! These payments were made less than 10 days after the loan payment was due and paid. So the majority of those payments minus 7 days of interest should have gone to principal. And again, another payment for {$200.00} on XXXX/XXXX/2016 where only {$53.00} was applied to principal! This is not an ethical business practice. They are ripping me off and making it impossible for me to pay my debt down. I 'm at a 4 % interest rate on my private loans and a 6.5 % on my federal loans. I would have to be upside down with an outrageous interest rate for my payments to be applied the way they are applying them. I want Navient to scrutinize my payment history, especially the payments I have specifically pointed out here in this complaint, and fix this by going back and applying the money from my payments to the principal as it should have been done when the payment was made. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Late fee

Complaint:
PAYPAL has been charging me {$35.00} fees every possible incident they get. Even after I have paid the minimum or way above the minimum, they still charge {$35.00} multiple times. They charge {$35.00} late fees XXXX on top of another on a charge of less than {$20.00}. Bringing the total to hundreds of dollars after I purchase some thing for less than {$20.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/XXXX, one of Navient 's agent had me complete and file the wrong documents to apply for unemployment deferment. Instead she had me submit a forbearance and did not inform me of what can incurre on my loan during forbearance. I was just told that I will not be charged any interest while in deferment and that I will restart my payments in XXXX XXXX. My application was accepted XX/XX/XXXX and I was on what I thought to be a deferment. From XXXX XXXX to present ( XXXX XXXX ) I have been charged {$83.00} on each individual loan that I have consolidated under Navient Corporation and it has racked up to XXXX and my repayment date has changed to XXXX XXXX, XXXX but I am still receiving documents stating that I do n't have to pay until XXXX XXXX, XXXX. The agent and the supervisor I spoken to another agent and a supervisor over the phone and they could not explain to me why this was affecting my credit score, why I am being charged interest on a Federal subsidize loan and when I am actually supposed to start repayment. I was told that there was nothing they can do for the mistake that their agent has made and that I was advise to pay the Interes now so that it will stop incurring on my loans. I was also told that if I do n't pay the interest it will be capitalized on my current loan and will continue to incurre on my individual loans on top of the federal interest rate. I tried to look up all the documents that I have submitted online to Navient and was also advised that the documents can always be viewed there. But I found nothing of my submissions to be viewable, only letters sent by Navient Corporation was viewable so I ca n't fight the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America and the servicer of this home loan mortgage account caused to be recorded a Notice of Default ( NOD ) on XX/XX/XXXX without completing the required pre-foreclosure outreach in accordance with California Civil Code 2924.55 ( f ). 
Bank of America has admitted, in writing, to have tried to contact me twice. Bank of America and their representatives have not tried with due diligence to contact me otherwise than that prior to recording the NOD after assurances from Bank of America that no foreclosure process shall be commenced. Additionally, when I tried to contact Bank of America, all I got was the runaround. I have even been told that Bank of America forbids their representatives from conversing on a borrower recorded telephone line, which mine is in accordance with the laws of the state of California. 
Furthermore, no post-foreclosure outreach has been commenced to date, but that is a moot point and activity since Bank of America has already violated the pre-foreclosure requirements. 
To date, no XXXX XXXX County Recorders Office certified recorded Rescission withdrawing the NOD has been provided to me as requested. 
I have resided at the property address continually since XX/XX/XXXX as a primary residence.

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 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card
Issue: Other fee

Complaint:
Bank of America has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake.

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