BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: GA
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 am XXXX years of age and have a student loan amount of {$42000.00} with Navient since XX/XX/XXXX. The loan was transferred to Navient from XXXX. I do not deny that I have a loan, and I am making monthly payments. However, I just noticed that none of my monthly payment amount of {$290.00} is going towards principal. For example, my XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of {$290.00}, and I was aware that there would be a late fee. However, {$280.00} was put towards interest and {$17.00} went towards " fees, '' and XXXX went towards principal. I have n't had anything paid towards principal since XX/XX/XXXX when I made a larger payment so that more would go towards principal. I contacted Navient and spoke with someone who was obviously from a XXXX country and was told that the interest amount is paid first, then the principal. I tried to explain that nothing went towards principal and she agreed but still said that is the way they apply the payments. At this rate, I will never pay the loan off. This has to be illegal. Even pay-day loans put something towards the principal. I understand that there was a class action lawsuit against Navient, but I was unaware of it at the time. I would appreciate any assistance that you can give me. Please contact me if you need my loan number. I will be more than happy to provide any information you need from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX my house was damaged by super storm XXXX. We received some funds from XXXX and through our flood policy however had to come out of pocket with a lot of funds as well. Inbmarch XXXX I received notice from XXXX that they were auditing all of the NY claims as they realized they had under estimated on the funds they paid out and had shorted home owners. I immediately filed for a review of my file. ThXXXXe determined that yes I was shorted and this XXXX issued a check for $ XXXX. Because I XXXX mortgage the XXXX was made out to myself and the mortgage XXXX servicing. I have contacted XXXX, specifically XXXX Frye, multiple times. He will no longer call me back. I had requested how I can get the check endorsed. there was no additional work done to my house and based on their track record of handling my mortgage servicing thus far ( you can see I have multiple complaints for basic servicing items ) I do not XXXX for just blindly send the check in without some assurance that they know what to do with it, endorse it and send it back to me. My husband and I laid out a lot of money out of pocket to fix out house and this will help, to replenish the savings we had to pay due to XXXX shorting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a promotion for a Citigold account that would offer me XXXX XXXX miles. I completed all the requirements and waited for over 90 days ( as stated by Citi ) and I still have not received my bonus miles. I had confirmed with their customer support through secure message that I am qualify for the bonus before I completed all the requirements. I even have a letter stating I am qualified to receive the bonus miles. However Citi is refusing to credit my XXXX account with the promotion miles that they had promised initially. I am now filing a formal complaint against Citi. This is a bad practice by Citibank.

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 2016-08-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage loan has been transferred to Bayview Loan Servicing and they have added a force placed escrow account to my monthly mortgage bill, even though I have been current on my insurance and property tax payments. Despite multiple attempts to straighten this out with Bayview, I have made no progress and this additional fee is part of my monthly statement which has caused major financial hardship for me. This is especially worrisome because my mortgage payment is scheduled to adjust next month with my payment increasing over {$1400.00} a month. I have called in to Bayview about this problem as well and they have said that they will possibly work with me, but based on my experience with them for the escrow issue I ca n't believe them. 

This problem began when I went to the county property tax assessor and challenged the value for my property. I opened up a dialogue with the assessor and presented him evidence that my property value was significantly lower than the amount assessed. The assessor AGREED with me but needed documentation and proof and needed the information to be processed through their system. As a result, I paid my property taxes based on the ESTIMATED tax that was going to be owed after the assessor processed my appeal of value paperwork. The county was fine with that as was I, but for some reason Bayview decided to step in and pay the original bill owed FOR ME, even though an appeal review was in process. Bayview believed I was avoiding paying my taxes and without any consultation added a forced monthly escrow charge to my bill. This has started a financial problem for me as I budget to pay my escrow twice a year, instead of being charged every month. 

My current mortgage payment is {$1900.00} a month ; this is due to a step modification that I received back in XXXX when my loan was with XXXX. I have made all payments on time, but the interest rate is now going up to 4.625 % and my payment is increasing to {$3300.00} a month ( not counting that additional escrow that Bayview has tacked on! ). I am still a small business owner ( I own a XXXX ) and business has never really rebounded after the recession in XXXX. I am able to make a decent living but have had to take on boarders in order to make ends meet. I am grateful that I received a modification back in XXXX but need Bayview to work with me to help me keep my home -- I have proven if given an affordable payment I will make it on time each month. 

I will not be able to survive the impending increase in rate and payment as well as the additional escrow fees Bayview is saddling me with. I am concerned that they just do n't care about their clients based on the way they have handled my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Performant Financial Corporation
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today 's Date : XX/XX/2016 Performant Recovery , Inc . 
XXXX, XXXX XXXX XXXX . 
XXXX, XXXX XXXX Dear Collector : I will list items where you have violated FDCPA rules which violate my rights. Thus, I will now file a complaint and take legal actions against your companies. 

The FDCPA Prohibits Collectors from : Failing to cease communication upon request : Both companies were given in writing, a cease communication request. I have the return USPS signed return receipts! 
Repeatedly and continuously calling : I have a log of aggressive harassing calls. 
Communicating with consumer at their place of employment : Staff has notified you on several occasions, said company is NO LONGER at this location / telephone number that was called. 
Communication with a consumer represented by an attorney : Please be advised, I have an Attorney who represents me! 
Threatening arrest or legal action : Please be advised, as per staff, upon last communication with XXXX, XXXX representative stated, " Fraud Charges will be filed ''. This is a flagrant abuse and harassment beyond the scope of your practice! 

Please be advised, I will now take legal action and file a formal complaint with the Federal Trade Commission.

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 2015-09-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a payday loan on XXXX/XXXX/15 and it was due XXXX/XXXX/15. I called on XXXX/XXXX/15 and advised I would n't be able to pick up the check on the XXXX and asked if it could be pushed to friday the XXXX on my next payday. I was told no. I was told on the phone and in the office when I got the loan that they no longer send checks to the bank and they go to collections ; so when I called on the XXXX i was given collections number to call tomorrow ( XXXX ). I got an email today that my checking acct is overdrawn. so not only did they go against what they said and their what their contract says, I was charged a {$34.00} insufficient funds fee by my bank because they covered the check I was told would go to collections and not the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX, I had a XXXX student credit card from Wells Fargo Bank. It was sold to a collections agency because at the time I could not keep up with my payments. XX/XX/XXXX, while I was XXXX with the XXXX XXXX, I paid the account in full leaving it with a XXXX balance. To this date, this account still shows up in my credit report which I feel is impacting my credit even after 4 years of the account being paid off. I was promised a full deletion of this account from my credit report, but Wells Fargo still shoes up as a derogatory account. I will submit documentation to proof that I paid this account and left it in a XXXX balance in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
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 heard about the law suit and wanted to thank you so much for doing this! I 've been so frustrated with Navient that I almost did n't believe it when I heard they will be finally held accountable for such unfair business practices! Here is my quick background : I graduated from XXXX school in XXXX XXXX with about XXXX $ in government- owned loans. In XXXX XXXX I was finally able to get hired as a XXXX for a XXXX XXXX XXXX company in Missouri. I have n't consolidated my loans yet and the interest rates varies between 5.6 % to 7.9 %. I 'm enrolled in income based repayment and owe about XXXX $! 

Here are my complaints : 1. The 0.25 % interest rate reduction ( offered to those who sign up for automatic deduction from checking account ) I lost due to missing XXXX payment should be reinstated! I was punished very expensively for not having sufficient funds one time only right from the beginig! Due to confussion, not clear communication and obtaining different answers depending on who was answering the phone, I never knew my exact due date. I was told by different Navient customer service representatives that I had many due dates because I had XXXX loans at that time and each of them had different disbursement dates, so some of them were due in XXXX XXXX, others in XXXX and others in XXXX XXXX. 
I called and tried to explain- but they said the interest rate deduction it 's not a right, but a benefit they provide by using Navient and not other company. 

2. I make XXXX $ / month after taxes. Navient wants me to pay XXXX $ a month as part of the income based repayment plan!!! At this rate, I would be debt free in my XXXX? I called so many times and asked them to please increase my monthly payment to about XXXX $ so that way the money gets distributed over all my XXXX loans including principal not just interest. Of course, I pay extra myself every month but my XXXX, how careless of them to just let people pay the bare minimum necesary and get stuck paying loans for the the rest of our lives. I also need to save for a downpayment on a home. I really hope I 'll be able to get a second loan for my first home. 

3. Navient please let students now that, if they are military spouses, and the XXXX XXXX spouse cosigns for loans, all those loans ' interest rate will be capped to about 6 % or lower. I realy wish I knew this. I could have saved so much now. I just borrowed without a cosigner. 

Thank you so much for reading this! Good luck and may XXXX prevail!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Performant Financial Corporation
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This number called and did n't say anything. So I called back and asked for social security number. I asked what it was for and she told me company name is XXXX. I let her know I did n't know them and what was this about. She then transfers to Virginia. Got voice mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I happened to be monitoring my bank account at well fargo bank on XXXX XXXX, I was waiting for a direct deposit to occur. I checked the account several times. At XXXX on XXXX XXXX, 2015 my account became overdrawn, It said that a check posted on XXXX XXXX. That did not happen. My direct deposit came through and I transfered funds before a overdraft fee was charged. 

It has got to be against the law for them to post a check on the day before the actual posting occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This account surpposeto be close sine XXXX however the creditors been taking money out of my pay check.

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 2015-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i have over {$400.00} dlrs in overdraft fees. Prior to this problem i had checked my account and had a small balance of {$17.00} dlrs ( about ) and that was on a Friday, about tues of the following week i checked my account and was already over {$300.00} dlrs overdrawn. I called the bank explain to them that my account was ok on Friday and a few days later was overdrawn more then {$400.00} dlrs and i had not used my debit card since the {$17.00} balance, i was told that my balance was not accurate because they do not post every transaction therefore it causes the overdrafts and that i had no choice but to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have given permission to my son, XXXX XXXX to handle all of my financial affairs which is noted and accepted by Wells Fargo. Obviously I have been taken advantage of at least once already. I am an elderly woman who comes from a generation where we were taught to trust our banks. Obviously I made a huge mistake trusting Wells Fargo and XXXX XXXX. As I have previously stated, the most important part of deciding on an HECM loan is understanding the complexity of said loan. Most seniors and adults of any age have a very difficult time understanding Reverse Mortgages. Most HECM loans require intense counseling to understand XXXX pages of critical information pertaining to the pros and cons of a Reverse Mortgage. That 's where the lender should step in to not only help the senior find an approved counseling agency per the Office of Elder Affairs. The XXXX of Massachusetts still cautions seniors on getting a Reverse Mortgage and recommends that each senior bring their own lawyer to the closing. Apparently Wells Fargo seized this opportunity to con my my mother into signing for a Reverse Mortgage. The salesman also must inform the senior of other more suitable options than an HECM. XXXX spent a largely inflated XXXX at closing along with XXXX which was supposed to go into escrow so she would not find herself in a position where funds have dried up and she falls behind on paying her property taxes, home insurance and upkeep of the property. The sales man realized that XXXX had access to at least {$44000.00} and no longer saw her as a senior attempting to do what was best for her after retirement. Instead, the salesman XXXX XXXX used the opportunity to do what was best for himself. He wanted to close the loan at the end of the 2010 fiscal year on XXXX XXXX, 2010. He used his skills of deception, bullying, lying and coercion to ensure the mortgage could be over and done with quickly, so he would receive his commission and XXXX would not have the time to seek legal advice. Wells Fargo has already submitted the HECM document to the CFPB that clearly indicates that the counseling was not done in person and not approved by the Office of Elder Affairs. As a matter of fact, the XXXX XXXX XXXX company located in Florida was/is not even licensed to counsel anybody in Massachusetts. One major flaw that was not on the original HECM counseling form submitted to the CFPD is the alleged removal of the {$650.00} she was charged for illegal counseling. The reason for this " OVERSIGHT '' is because I alerted Wells Fargo to the fact that HECM counseling costs roughly {$120.00} and in some cases ; it 's free. Wells Fargo still uses deception and fraudulent tactics to this very day.

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 2015-08-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX XXXX, XXXX with the United States XXXX, and I fell behind my Mortgage Payments after an expensive bitter divorce. I applied for a Loan Modification while I was XXXX, and my Lender Wells Fargo offered a Loan Modification on XX/XX/XXXX. I negotiated while XXXX, by phone and mail, and now feel that my Lender did not offer me the best options or provide me with the proper guidance, but rather looked at my income that increases while in XXXX, and now reduced as I am nearing my retirement and assign to XXXX. 
I have requested a re-Modification to consider my current financials for over a year and have been toss around to different Specialists, whom are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and each one have asked for different documentations with no one taking my calls or that of my Third-Party Representative to provide any status on my Request. 
Nearing my Retirement of over twenty years, I want to remain in my home, and simply ask for a revaluation of the Modification for a 30 year term instead of the 15 year term that I was encouraged to accept. As professional Mortgage Lender, I should have been given the best options, after being encourage to " do it yourself '' rather than use a Third-Party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: SECURITY FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The loan company ( Security Finance Service ) had made XXXX hard inquiries without my permission back in XXXX and XXXX 2014, the reasons are they were trying to locate. They were n't trying to give me another loan. I believe that this is the FCRA violations and its illegal. I had send them certified mail and talked with the loan company through phone in civil matters. Their response they will not send me a letter or no response at all to settle any dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Credit Karma, LLC
State: HI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Credit Karma is NOT to be trusted! Requested my free credit report & score & know I have a detailed credit report file because I have paid directly to XXXX in previous years & know they have because they delivered said report. I have struggled tremendously via email trying to give more information in order to get report. Also handed over my phone number as well. The other end was completely uncooperative, sent me dead links, & now I completely distrust the integrity of this company & its proclaimed services. Also searched for corporate contact numbers & XXXX number lead to a voice message referring to website ( dead end ) & the other was invalid. 
Credit Karma XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact Credit Karma Phone Number : ( XXXX ) XXXX Fax Number : Website : XXXX : //www.creditkarma.com Email : Email Credit Karma Executives CEO : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation