BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased a sectional couch, and the sales representative encouraged me to also purchase the ottoman that comes with the set. The sales representative was given the measurements of the space where the sectional would reside, and the sales rep determined that the ottoman would fit in with the sectional. As it turned the sectional was far too narrow to have the ottoman fit between both sides of the sectional. I tried to work with the furniture store, who it turns out is a highly unethical merchant. I spent a great deal of time with the credit card company, whose initial representative advised me he was sure they would not charge me for this ottoman ( which was way overpriced compared to other stores ). I followed the credit card company 's demand for information, but they also required me to get a statement from a similar merchant that basically supports my contention. I told them I have NEVER HEARD of any merchant requiring such a thing. What merchant is going to stop his business long enough to not only talk to me about the issue, but also prepare a document stating that he/she supports my contention. This is utterly ridiculous. I asked the credit card company to please give me the name of one merchant in my area who would make such an evaluation with no benefit to themselves, and they could not. I asked the credit card company to request the measurements from the store, and they refused. It is clear the credit card company does not want to honor its claims of supporting customers who have been cheated my merchants. The credit card company is requiring a completely disinterested third party merchant to get involved in the dispute and write a document supporting my contention. In other words, this is the credit card company 's way of dismissing the dispute and leaving the cardholder hanging with an unfair and unjust charge.

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 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a cost for " court '' costs of {$950.00} with no explanation I think because I filed a complaint against them. This cost is unfair!

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 2015-07-28
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In early XXXX, I was contacted by the Risk Management Department of Iberia Bank informing me that my credit card had been compromised. I immediately cancelled the card and a new one was issued to me. I am fairly certain that the card was compromised at the XXXX XXXX in XXXX, XXXX since I place an order for XXXX copies of the paper and incurred a $ XXXX charge. I started to receive merchandise at my home and I contacted the XXXX County Sheriif 's Department and filed a report. The officer told me to keep the '' stuff '' and catalog the products. Several weeks later, I received an affidavit from the Risk group of XXXX and I noted that XXXX of the products I received. The bank had given me credit for all the charges, however, when I received my next statement, the XXXX items were charged to me. I made numerous calls to the XXXX and also to XXXX and spoke with a XXXX XXXX. She then escalated the problem to a person by the name of XXXX in the XXXX. After being offended by her screaming at me over the phone, I asked her what I should do. She told me to return the products to the vendors which I did. On XXXX XXXX, I faxed to her the XXXX receipts and she acknowledged on XXXX XXXX that she received the fax. She then informed that she sent it to " upper management '' for review and that she would call me on Saturday, XXXX XXXX with an update. She never called! I called her on Monday, XXXX XXXX and asked why she did n't call to which she had no answer. I then told her that I was recording the conversation. She was very pleasant on the call! However, she said once more that " upper management '' did nothing with the information and said maybe they were on vacation. She declined to give me a name or phone number for " upper management. '' I sense a great deal of APATHY within her and the department. On XXXX XXXX I spoke to a XXXX in that department and she provided me with a phone number of XXXX to contact. The number was bogus ... .some company trying to sell stuff ... .I felt that they were playing with me ... .and they were. Today, XXXX XXXX I filed a complaint with the BBB. Also, XXXX XXXX of the Sheriff 's department has not spoken with any of the vendors to get the IP address. I feel I had no choice but to escalate this to the Consumer Protection Agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX XXXX I went foreclosure due my financial hardship of income loss and my sons condition he was having with his XXXX and XXXX.. I recently did a uniform borrower assistance form for Bank of America and in XX/XX/XXXX I was denied a loan modification on XXXX XXXX XXXX .. I appealed and was denied on XXXX XXXX because they said I did not have a Financial hardship and my Income was the same and my bills are not higher than my income. I Fax all my housing expense documents to Bank of America pertaining my job loss, bills and home insurance premiums property taxes and they still did not look this through and waited to the last minute to call me. I also told Bank America my mom does not help me anymore and that was a loss of income I dont get anymore. I also was not gived a written notice to prevent a foreclosure for my home.

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 2017-03-17
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX of Pioneer Credit Recovery is totally unprofessional and abusive. Calling me a liar, saying I did not send my financial verification records, i.e. XX/XX/XXXX tax return and XXXX, when requested 2 yrs. ago. Searching my computer, I found, scan and send communications, with Pioneer on BOTH XX/XX/XXXX and XX/XX/XXXX. Had to send twice because Pioneer could not open a word document. I made monthly arrangements and did not miss a payment, for the 9 or 10 months agreed upon. Pioneer cancelled my payments and then put wage garnishments on me. Without notification! I have no problem repaying my student loans, but to be belittled by XXXX and called a liar are beyond me. I reached out to Pioneer to resolve the wage garnishments and was told the only way to cease garnishment was to make payments on top of monthly wage garnishments. Well, if that is the case, I 'll just allow the garnishments to continue until the debt is paid. But I will not tolerate abusive communication from XXXX. Thank you, and Happy St. Patrick 's 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 2016-10-21
Company: Convergent Resources, Inc.
State: NJ
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 account was previously with XXXX XXXX XXXX, account number XXXX in the amount of {$560.00}. I was never called by this company, they just sent a letter after it was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a bank of America ( BOA ) customer for the past 12 years and that will be coming to an end this Saturday. I already closed one of my account today and the others will be close this weekend after my direct deposit hit my account. I was in the process of purchasing a home long story short ... I was charged {$390.00} for an appraisal, however I felt like the service was not provided. The loan officer never communicated with me throughout the entire process, I sent him several emails asking him what 's the status of the loan and got no response, and at one point I was told that the loan will not be submitted, so YES, EVEN THOUGH I SIGNED THE APPLICATION I WAS NEVER PROVIED THE PROPER SERVICE. I called BOA explain to them and they provided me with provisional credit and within 1 month they deducted the {$390.00} back from my account. I 'm upset at BOA because as my bank they did not protect me, I was charged for a service that was not provided. Especially for the fact that I am a " Preferred Rewards Gold Client '', which is supposed to be one of their best account for high value clients. Oh please!! This is the high value treatment that I am receiving as gold reward client. I called them this morning to find out why they denied my claim and that I would like to resubmit the claim and dispute the same charges and the representative says no because they already denied he claim due to the fact that I signed the application.

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 2016-03-18
Company: Navient Solutions, LLC.
State: DC
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 a XXXX XXXX XXXX at Navient that used to be at XXXX XXXX. My bank sent a check for {$7600.00} to Navient. When I told my bank to send the check, I gave them the XXXX XXXX XXXX payment address listed at http : //www.navient.com/about/contact-us/ because that address is listed under the section that reads " Loans Through the U.S. Department of Education . If you have loans through the XXXX ( XXXX Subsidized, XXXX Unsubsidized, XXXX PLUS, or XXXX Consolidation ) or loans owned by the U.S. Department of Education through the Federal Family Education Loan Program ( FFELP ) ''. I did this because my loan was a Consolidation Loan issued by XXXX XXXX ( not a private bank ) and this is the only section that says " Consolidation '' at all. 

However, my Navient account has not been credited with the payment. So I called today to ask why and the Navient representative said that my bank should have sent the check to the XXXX XXXX XXXX XXXX payment address listed under " FFELP and HEAL Loans. If you have Federal Family Education Loan Program ( FFELP ) or Health Education Assistance Loans ( HEAL ) owned by a third-party lender ( usually a bank or credit union ), or a private loan with this type of statement ( view image ). '' Apparently, Navient considers XXXX XXXX to be a " third-party lender ( usually a bank or credit union ) ''. 

Now I have no idea where the check is. Navient refuses to tell me if they will return the check to the bank because it was sent to the wrong address, or if they will transfer it to the correct address so it can be credited to my account. At one point, the Navient representative told me " There is a possibility that the US Department of Education may have already cashed it in which case the money is gone, '' which is horrifying if true. 

Can Navient simply keep my money and not credit it to my student loan? Or must they return it to my bank, or forward it to the correct address for processing? And why is their Contact Us payment page so confusing, listing 3 different groups of loans and payment addresses, none of which seem to apply to former XXXX XXXX customers with Consolidation Loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently sold from United Shore Financial Services , LLC DBA ( United Wholesale Mortgage ) to XXXX, XXXX. The sale was apparently sometime in XXXX as United Wholesale Mortgage stopped accepting payments as of XXXX/XXXX/16. All of this is fine, except they never notified me until after my XXXX/XXXX/16 payment was due. I have direct payments set-up and noticed my mortgage payment was n't taken out of my account on XXXX/XXXX/16. I looked on United Wholesale Mortgage 's website and found in the document center that I had XXXX page letter dated XXXX/XXXX/16 informing me of the transfer. I never received email correspondence of this or physical mail correspondence ( I did finally receive the note on XXXX/XXXX/16 notifying me of the sale ). 

I just received my account information as well as a bill for my XXXX/XXXX/16 mortgage payment yesterday ( XXXX/XXXX/16 ) from the new servicing company, XXXX XXXX XXXX, XXXX. My issue is the fact that I have a past due amount. I have never been late on a payment in my life and the fact that it will show up on my credit report as a delinquent payment is quite unsettling. The delinquent payment lies directly on the shoulders of the ineptitude of these XXXX companies. I have sent my payment today ( XXXX/XXXX/16 ) and it wo n't likely post for a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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 2016-12-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am having a 15 years fixed home mortgage with Chase. The monthly mortgage amount {$2100.00} automatically deduct from my checking account from day one. I used to pay property tax and home insurance separately. For XXXX second half, the town property tax payment was posted one week late due to error in the online payment system. Chase also sent the tax amount {$2300.00} to the town this time. The town called me about the double payment and I asked them to return the Chase payment. They asked me to fax a letter for that and I did. Town refunded Chase payment. I called Chase and instructed them not to make any future property tax payment and sent a fax in writing along with the same fax sent to the town instructing them to refund Chase tax payment. 


But, Chase change the mortgage amount and deduct {$4200.00} on XXXX XXXX instead of {$2100.00} from my checking account. I called Chase and send the proof of property tax payment receipt and instruct them to refund the extra money into the account. Chase did not do anything. In the following month also Chase try to deduct the new amount, {$4200.00} and mortgage did n't go through due to insufficient fund. I faxed the property tax payment receipt 5 times to Chase. But, they did n't correct the error. I wired two months mortgage amount, {$4100.00}, to Chase mortgage to avoid late payment. By the time, XXXX of the property tax ( Scholl tax ) paid using credit card on XXXX XXXX ( Paid XXXX Second Half School Tax : {$4700.00} and Town Tax : {$2200.00} and Service fee {$160.00}. Total charge on credit card : {$7100.00} ) got returned on XXXX XXXX to the credit card due to double payment. I called Chase Mortgage and asked them to correct the mortgage automatic payment but always got the same replay as 'Escrow department reviewing the case '. Chase reported the late payment to my credit and send my property for foreclosure. I received letters from Chase Attorney about the foreclosure of my house. Finally they respond to my request and send me a mortgage reinstate statement and I wired the total amount due to Chase mortgage. Now, I have lost my credit, I have a huge emotional distress and lost lots of money through credit card interest, service fee, late fee etc. 

I want Chase to take the responsibility and pay for my damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11
Company: JPMORGAN CHASE & CO.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a phone call from a debt collector claiming to be from a law office on an old credit card account that was from XXXX. The man that I spoke to was named XXXX at XXXX he attempted to call me several times while I was driving but the call kept dropping. When I was finally in an area that I could return a call to him, I did, and the following conversation transpired that left me feeling UN-eased and uncomfortable. He asked me if I was going to take care of the debt, and I replied no because there was a savings account attached to that credit card that would be used in the instance that I defaulted on the credit card. He told me no there was n't and I replied yes it was from XX/XX/XXXX, then, he told me that the account was opened by me XX/XX/XXXX. I then told him that I did n't go by the name he was stating over the phone since XX/XX/XXXX when one year later I went into the XXXX and the military legally changed my name to my maternal mother 's last name. So I told him good luck proving that I existed by that name in XX/XX/XXXX, because I 've been going by my maternal mother last name since XX/XX/XXXX ; at which time he responds to me by saying I knew you were a transgender and bye. So what recourse do I have to pursue any matter in this situation with this certain individual that totally got it wrong and made a derogatory offensive remark to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/XXXX at about XXXX XXXX, I received a telephone call from a Chase customer service representative named XXXX ( # XXXX ) concerning a vehicle that has been charged off/ written off by J.P. Morgan Chase on XX/XX/XXXX. The customer service agent was told over the phone that I was XXXX and under medication. The customer service agent said that the call was being recorded ( but did not obtain my permission ). Although I explained to the customer service agent that I was under medication and was not mentall well, he repeatedly kept saying that he was going to call me and tired to get me to say the word " refuse to pay. " This is very rude and unprofessional behavior. This customer service representative was not concerned about my XXXX status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian ( Report No. XXXX ) re-inserted/reported a charge off XXXX Credit Card Account ( No. XXXX .... ) after previously agreeing to correction. It has been repeatedly mis-reported with false information. The previous correction only came after multiple disputes via their online system, paper letters, the XXXX and CFPB. Debt is illegally re-aged as evidenced by IRS 1099 also previously showed a balance due for the wrong time period ( s ). I learned of this only because my credit card company sent me a letter stating that I had a delinquency and as a result they were cutting off my credit. I have been damaged by the reckless mis-handling of this XXXX entry that is not only improper but violates Experian 's own internal policies. I attempted to file an online complaint on this change but their online system blocked it as having already been addressed despite allowing the creditor information to be added. I did navigate to their upload option but it was unclear whether the dispute was active or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: Grant & Weber
State: NV
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 have asked Grant and Weber to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Money Recovery Nationwide in early XXXX sent me a collection notice for some past due Medical Bills. 
I called the company to set up paying these bills, even though my Flex Spending Account was not charged from the original hospital/doctor. 
The FSA will not cover collections, and I am willing to pay the bill now. So I setup a payment arrangement with Money Recovery Nationwide. 
On XXXX XXXX, 2016 a collection was filed on my credit report. I called Money Recovery and they told me there is a older collection that is old and that was filed. The Collection is in the payment arrangements. I offered to pay the {$25.00} and they told me that it will showed " Paid '' on my credit report. 
I asked them to delete it from my credit report. To which I am told they do not do " Pay to delete '' or " deletions ''. 

This is against the agreement I made on the phone in XXXX to keep further collections on my credit report. 
I am under the assumption that the payment arrangement is to keep the collections off my credit report. Therefore I would like it removed.

Company response to consumer: Closed with explanation