BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Winklevoss Exchange LLC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
They allowed me to buy their crypto ( Bitcoin ) and wont verify my account to allow me to withdraw it, Its been days. and Im worried sick because many people online are saying it takes months or simply no verification happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX/XX/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Law Offices Howard Lee Schiff, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a credit card over the phone about XXXX years ago by XXXX XXXX for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: PLS GROUP, INC
State: WI
Product: Consumer Loan
Sub-product: Title loan
Issue: Applied for loan/did not receive money

Complaint:
I paid my title loan payment to PLS on XX/XX/2016 on XX/XX/2016 I wanted to upgrade my loan and I was informed that they are no longer doing loans and will close ALL the Loan Stores across the country effective XX/XX/2016. 
They have never contacted Consumers who have payday or title loans to explain how we are going to make our payments and they withheld the information concerning the closures when we made our most recent payment. When were they going to tell me or others that will be affected? All payments will be handled over the phone - out of state. Are they required to notify the State of Wisconsin or Consumers of a major change to the way the accounts are being administered? I went to the PLS website and there is no info or any notices about the changes and closures that have been issued or listed. It looks like business as usual but they have known for over 2 weeks. When were they going make an announcement? This is not the way business is supposed to be done and not the way consumers should be treated who are doing active business with the company. 
Please look into this issue for us. 
thank-you

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 2016-08-13
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt I had disputed on my credit file because I did not want to deal with the hassle. The offices of Howard Lee schiff pc continue to garnish my wages anyway. The past few years have been harrowing. I closed numerous bank accounts because they came after me every time I disputed my credit file. I was never given an opportunity to come to court to argue a defense because they never mailed me a copy of a writ to appear in court. I received only a garnishment letter from my employer and felt I had no other recourse but to pay the debt which I refuted and never got verification on. However I was able to remove partially from a couple of the bureaus because of statute of limitations and other reasons. When I called the office they confirmed the debt was paid off but they are still stealing my money from my wages. How can garnishment proceed when the debt is already paid? I called the state Marshall that executed the garnishment and I found out that the money that was granted in judgement is far less than what they had me pay for this debt. I called several times and spoke with numerous people at the firm that confirm the debt was paid and my employer will get a stop order for this garnishment. The tip of the ice burg is that this debt expired statute of limitations months ago even if I owed them money in the first place and the amount reported to the credit bureau is significantly less than what I was charged. my money is being stolen and I 've been through to much with this firm over the years in ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was purchased Ditech Financials who is now servicing the loan. I have now been with the new lender for about 2 years. During that time, they change the impound payments for taxes and increased my payment amount. I had the account on auto-pay and although did not miss a payment, had two payments that were considered late due to the additional impound fees that were not included. They charged me XXXX dollars in late fees for two months of being " late '' due to not including the additional impound fees, although I made my payments on time. I ignored the late fees and they have not seemed to follow up on them other than sending me constant offers to re-finance with them in which case, they will waive those fees. Last month, I failed to move funds in my bank account and ended up not having the funds in my bill pay to send the mortgage payment. I promptly corrected this and sent the payment in late. I have a ~ $ XXXX monthly mortgage payment and I have just received a letter that have have assessed a ~ {$2000.00} late fee for that late payment. This can not be allowable to assess a greater than XXXX % late fee on a single late payment. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: PLS GROUP, INC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Did not tell me his name. Stated everything was being recorded and would be used against me. Told me if I filed for bankruptcy they would take me to court. Asked to verify the last XXXX of my social security number. Would talk over me as i tried to recall the debt. Would not let me think over the loan. Demanded I pay right now to keep me out of court. When I asked him if he could resend a letter verifying the debt, he told me " the company would not spent one more cent on me. ". Kept talking over me and arguing with me. I hung up the call.

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 2015-07-22
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX is charging on an account I do n't have, I 've never had XXXX XXXX before. Apparently this service is in XXXX, Texas, I 'm already in collections for something I do n't have and never had. I called XXXX XXXX and they do n't have my last four numbers of my Social Security.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I open a Merrill Lynch investment account a few years back. They recently closed my account because a check was deposited in error. The day prior to them closing my account, I made a deposit at the ATM for {$60.00}. Upon closing the account, they sent me a check for {$.00}!!!!!! The is the second time in 2016 where they have stolen from me!!!! A few months prior, they stole {$150.00} from me and refused to return it! They mentioned it had something to do with fees, however when I asked if they could provide me a copy of the fee schedule, as it was never disclosed upon opening the account, they could not the fee schedule!!!! This is because it simply does not exist!!! Please help me mitigate this situation. Thank you.!

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 2016-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 BANK OF AMERICA , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX

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 2017-01-31
Company: Navient Solutions, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
the mortgages that are with XXXX XXXX XXXX that are fraudulent have now been referred to Pioneer Credit for collection. 
I have asked this agency to cease and desist. 
All matters are now turned over to AZ State Banking, AZ Attorney General office, AZ Corporation Commission and XXXX complaint with Federal court, Audit of XXXX

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 2017-01-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I tried calling them to get help with my private loan payment cause the amount they looking for me to pay is to high with the other household bills I have. The one person told me that I should n't have gotten a car and paid them but my car was XXXX and i needed a way to get back and forward to work and my kids to school. They are rude and not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I was required by XXXX ( XXXX XXXX XXXX to obtain a XXXX Signature for a Transfer on Death application. I was unaware that the Bank of America XXXX BOA ), where I have several accounts, dropped this service several months ago. My BOA branch said to contact Merrill Lynch. When I asked whether an account at Merrill Lynch was required, the answer was vague. Subsequently, I found out that one had to drive to an office an hour away and even then open an account. I spent several weeks trying in vain to find out where I could get this service. Finally, I went to nearby banks and found that they all provided XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been trying to negotiate with XXXX XXXX - now NAVIENT - since 2011 to discharge my loans, based on my status as a XXXX person and, based on their standard requirements for discharge - which I have shown them I meet. I have provided ample medical documentation, including doctor 's statements and still, they refuse to discharge. They have not, as yet, put my loans into default. Despite numerous requests, they will not provide me with reasons for their refusal to discharge. There should be some reasonable recourse for me to get them to follow their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
was getting mortgage to buy a home. loan from navient showed up on credit report. 
says i owe XXXX dollars. they said it was for when i went to XXXX collage in 2005. 
i sent paper work to them showing i did not go there. was then taken off my credit reportwith not that is was not my loan.then when we went to close on house it was back on reportso my mortgage was canceled and didnot close on house.sent paper to navent show that it was removed from credit report and ask how this happened. it now says dispute is resolved and customer does not agree on my credit report. this is all messed up and should be gone. this loan was also listed on my bankruptcy and have been told that since it is a private loan it should have been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
One of my largest loans is {$30000.00} that I took out in 2009 with a variable interest rate of 13.5 % this is without a consigner. This is the largest out of the {$87000.00} I owe without interest.. Now I must go back to school to try and get a job so I can try and pay off my debt before I die. I am unable to consolidate any of my private student loans because of the insanely high interest rate and my income is all tip based ( hard to guarantee how much I will make in the years to come ). I would love to get a job with the degree that I currently have but can not do so because minimum wage would not be able to support me and the over {$1000.00} monthly payments I will have to make to navient for he next 30 years. I just think it 's really funny how XXXX XXXX was able to sell off my debt to another company called Navient and I ca n't get them to lower my I interest rate to a single digit number like the government did with their loans. Navient or XXXX XXXX or whatever company holds my loans is the modern day loan shark. Right now I know I will never be able to buy a house or even get married. I thought going to college would help with my " American Dream '' but it has completely destroyed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: NV
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:
I have XXXX in student loans after attending XXXX. Applied for a reduced payment plan because even at XXXX % the XXXX payment was too much. The reduced payment plan was for XXXX a month but I was n't approved, for the next XXXX months Navient took XXXX per month from my savings account without telling me. In fact, they continued to send me default notices even as they were taking my money. It was n't until I needed to dip into my savings account ( that I 'd had for years ) that I realized my funds we being siphoned. I called Navient and they informed me that by applying for the program I had also allowed them to take the money regardless and that since I was denied the program the funds being taken were not enough to match the expected payment of XXXX so I was still falling into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Student loan co-signer paid off total loan amount of around {$39000.00} for a {$20000.00} initial loan. During the terms of the loan XXXX XXXX, now Navient did not submit loan statements and continue to accumulate interest. Loan no XXXX ( XXXX ) Navient has refused to submit close out papers on the total balance paid at the end of XXXX 2015 for XXXX XXXX XXXX. as a result they tried to start a new loan of which I have not authorized or approved. Now there is no access to the site to review the paid off balance for the total loan. In addition, Navient is trying to add interest of {$1.00} to extend the loan terms past some due date in order to state that the total terms of {$90000.00} is due. Therefore, not only has the original loan extended past the Federal Government Fair Trade Laws for Statue of Limitations of which I am due my {$39000.00} back, but they are refusing to close out the loan paid. This is consumer fraud, and violation of federal laws, and a form of violation of the XXXX statue for loan sharks. Please assist in closing out the account and repayment of my {$39000.00} for contract violations by Navient and XXXX XXXX. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: AZ
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:
I reached a settlement amount with my lender for 70 % of the balance on XXXX of my private loans. After mailing a cashier 's check for this amount in the requested time frame, my lender incorrectly applied the check to the wrong account. I spoke with the manager several times regarding this, and the amount was finally applied to the correct account. However, now my account ( which should be paid-in-full due to the settlement ) states I have a balance remaining for the rest of the loan. I have contacted the manager again to discuss this issue and request that my account be updated to reflect the settlement. Prior to receiving my payment I was being contacted daily, though now the manager has not returned my call to discuss and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America XX/XX/XXXX. When I did my home refinance with XXXX XX/XX/XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XX/XX/XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopen this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a reputable bank, Bank of America must keep its promise to the customer! It not, Bank of America must pay for the damage caused by Bank of America. 
Thank you! 
XXXX XXXX

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 2016-12-15
Company: Colony Brands, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They began calling me on XXXX/XXXX/XXXX for a past due first payment. My bill showed XXXX/XXXX/XXXX as the due date. When I received my 2nd bill on XXXX/XXXX/XXXX the due date said XXXX/XXXX/XXXX. So I called asking why my due date was ( a ) changed & ( b ) why I was not notified. The rep said she could not answer those questions. Her name was XXXX. I need to know when my bills are due in order to make timely payments. Montgomery Ward should not be allowed to do this arbitrarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
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 been struggling to make payments so last year I tried filing for repayment plan based on income which was n't successful. I have been making the monthly payments now for a year but they havent made a dent if anything my loans are increasing this has been going on now for 8 years

Company response to consumer: Closed with explanation