BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Hello, I have a defaulted school loan with   XXXX   XXXX  /NAVIENT. The last time I spoke to them was years ago. I could n't afford the monthly payment. After several forbearance 's I knew that I had to start paying again. I did n't understand how I had so much forbearance time. I called.     They were, without a doubt, trying to intimidate me asking me " if I own my home, what kind of car do I have ( year, make and model ), what kind of bank accounts do I have? '' At that point I said " pls just let me send you a check with a payment I can afford. '' They responded with " I can only use a smart check ( I dont know what that is, similar to  EFT  I believe. ) I refused to give them my banking information. I told them I 'd send a money order if they do n't believe I would cover the funds. At that point I was met with a tone that made me uneasy. They refused the money order. I hung up and NEVER spoke to them again. My mistake I guess.     My Mom co-signed this loan. They 're sending her notices and I 'm afraid for her as well as myself. I 'm afraid to even call them. I owe {$100000.00} in school loans. This  one  in particular was originally {$7000.00}. It 's now over {$10000.00}. I 'll never be able to repay all of this money. I never was able to get a job in the field I have my degrees in. I 've accepted that however I can not repay all of this. I do n't make enough money to.     I 've recently spoke to   XXXX   XXXX  . They took my tax refund and put me in a worse hole now. I 've begun to pay them. I 'm afraid to call NAVEINT though as I 've read about the lawsuit.     I 'm angry that the schools and the banks did n't advise me better in regard to these types of loans. I was young and had no idea that {$65000.00} in school loans would be so difficult to repay and turn into {$100000.00}. I 'm angry they allowed me to do so many forebearances. I 'm angry they would n't work with me previously - it 's not fair and I 'm really lost at this point.     I do n't know if you can help my mother and me. Anything you can suggest would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We wish to pay off our mortgage and contacted Bank Of America to get principal, interest and any fees that would be required. They gave these amounts verbally and offered to mail this free or fax for {$30.00}. We preferred to have a receipt showing the itemized amounts we were going to pay and went directly to the bank. The bank refused to provide an itemized receipt. They would only provide a receipt showing the TOTAL amount we paid them and the account number. We asked if we had the banks letter showing these amounts if they would use it showing what we had paid and they refused. They said ONLY the grocery store receipt was all we would get.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I tried to deposit {$100.00} dollars ( XXXX XXXX ) cash at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the teller receiving the deposit request my Driver License so she could swipe it to which I responded with a NO because I did not think that it was proper for the Bank to obtain my personal information which is encoded in my Drivers License, besides I was making a deposit on someone else 's account NOT my personal account. She refused to take my deposit After I said No the teller told me that the Bank was required by the Internal Revenue Service to request such information from anyone XXXX depositing cash no matter the amount to which I responded that the Internal Revenue Service requires additional information when the deposit is {$10000.00} dollars or more in cash She sent me to speak to a customer service agent which I did I received the same response Bank of America will No accept my cash deposit of {$100.00} dollars cash unless I am willing to provide them with my Drivers License so that can register my information. 

I know what the Internal Revenue Service requirements are as to cash deposits and I find it unbelievable that Bank of America is using the IRS name to collect private information If I am correct with my assertion I respectfully request that you send Bank of America a Cease and Desist letter so that they stop using the Internal Revenue Service as an excuse to collect private information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My ex spouse ( respondent  )  attorney  XXXX   XXXX   XXXX  subpoena my business bank account statements on  XXXX   XXXX ,  XXXX , due to be produced on  XXXX   XXXX ,  XXXX , at her law office. My attorney  ( petitioner )  filed a motion to Quash the ordered on  XXXX / XXXX / XXXX , the motion was heard by  XXXX   XXXX   XXXX  on  XXXX ,  XXXX  in dept  XXXX . My motion to quash was denied and a protective order was granted filed in court on  XXXX   XXXX ,  XXXX . Respondent attorney sent to Chase on  XXXX   XXXX ,  XXXX  a copy of the order with the decision not to quash along with the subpoena dated  XXXX   XXXX ,  XXXX , with documents due back to the law office by  XXXX   XXXX ,  XXXX . Chase rejected the subpoena as the due date for documents to be received preceded the delivery date by 5 months.   Respondent Attorney issued another subpoena dated  XXXX   XXXX ,  XXXX  with a due date for documents to be received by  XXXX   XXXX ,  XXXX .  Petitioner ' s attorney filed a motion to quash on  XXXX   XXXX ,  XXXX , which was served on Chase and to be heard by  XXXX   XXXX   XXXX . Respondent attorney after receiving the motion quash informed Petitioners attorney that she had withdrawn her request for the subpoenas served, dated  XXXX   XXXX ,  XXXX .  Chase  released  Business  Bank statements on  XXXX   XXXX  without a valid subpoena and against their own objection to the subpoena dated  XXXX   XXXX ,  XXXX . This bank statements were presented in court by the respondent on  XXXX   XXXX ,  XXXX  who is currently representing himself in pro per. Because of the unauthorized release of the business statements by  Chase,  this has caused me to expend additional legal cost beginning with a motion in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to  XXXX   XXXX  for " incorrect name '' on personal information. My name is  XXXX   XXXX   XXXX . My maiden name is  XXXX   XXXX . I have no middle initial. My email address is  XXXX  XXXX  XXXX .     Thank you,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I hve filed a dispute regarding this HELOC, XXXX mortgage XXXX in the past 30 days. It is still unresolved. BOA had a HELOC on property I sold in XX/XX/2015. According to the closing agent who recently contacted me, a lien was never placed on the property by BOA. Thus when the property was sold, no lien came forward and was not paid. This is the letter frm the closing agent/ attny : " I have received your letter regarding a Bank of American XXXX XXXX I have also reviewed our file. The XXXX courthouse does not reflect a recorded security deed for a HELOC from Bank of America on this property. Our title search went back 50 years and I updated it yesterday to confirm that there is no record of this HELOC. I have left a message for XXXX to further discuss the matter XXXX, XXXX XXXX, Georgia XXXX Telephone XXXX Fax 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 2017-04-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Yesterday, I deposit a check from my company account ( XXXX ) to my personal account ( Regions ) using my mobile and I selected from the deposit option to be cleared last night and paid the {$3.00} fee requested. With no warning, this morning I see that my check is ON HOLD XXXX XXXX XXXX while the money was taken last night from XXXX account. Basically, Regions Bank is holding my money ( XXXX {$3700.00} ) for 8 days, with no reason and no warning. By the way, the money was to pay my mortgage with Regions Bank. 
This is an abuse and arbitrary action and when I asked where can I write a complain the denied me the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XXXX XXXX XXXX  in XXXX, made payments with XXXX  11 years, never late, no problems at all at XXXX dollars monthly.. In approx XX/XX/XXXX, I began getting mortgage bills from a Mr. Cooper I knew nothing about. I called XXXX, asked what happened, was told XXXX some XXXX accounts like mine were sold to a Mr. Cooper. About XX/XX/XXXX there was a phone mail from Mr. Cooper that I needed to call asap. I called, was told then that I was in arrearage XXXX dollars in my escrow account, that this was a collection call! When I then spoke to a representative, she said I should not have received the call at all though later would receive 2 more over the months. I was told that in XX/XX/XXXX my payment would increase to XXXX monthly due to increased insurance in XXXX?. I paid XX/XX/XXXX increased amount as above. On 2 more occasions through the next months I received a collection call from Mr , Cooper. In XX/XX/XXXX when I called, I was told I now was XXXX behind {$3800.00} in my escrow account, then on the next billing I was XXXX dollars short so XXXX I had to pay XXXX dollars! The paperwork said if I don't pay the XXXX dollars by end of XXXX they would add the unpaid amount to my total amount owed on my home, just over XXXX dollars! I feel they are trying to drive me out of my home! I am on a fixed income at XXXX XXXX XXXX. I was an XXXX 35 years until I retired at which time I then got XXXX. The last 3 years I had to fight to live, am better now. I on XX/XX/XXXX did a second homestead exemption, had it filed. The Lady there told me they've had problems dealing with this Mr Cooper with others. I looked Mr. Cooper up for complaints, found there have been many in multiple states!. They have been found guilty trying to illegally drive especially elderly people into foreclosures! I asked the specialized Tax person doing my exemption on XXXX, XXXX if I should be paying so very much more from last years house payment due to increased insurance/taxations in XXXX, she shook her head no, said it should not be much more than the XXXX dollars monthly last year. I pray you can help me with this. I am doing my taxes on XX/XX/XXXX at which time the tax specialist said to bring the taxes for XXXX then to her. which I will be doing. When speaking with the staff at Mr. Cooper, it was obvious every call they did not care one bit about my concerns. I have worked so hard to buy my home alone. The tax exemption was filed on XX/XX/XXXX and filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX XXXX XXXX XXXX in XXXX PA. I paid them with check number XXXX they cashed it XX/XX/XXXX. I got a loan that totaled {$3500.00}. Then out of no where here comes Navient the loan was pretty much paid off from XXXX XXXX. Navient is stating I owe over 13,000. I have no idea where that number is coming from unless the school forged my signature. I never even got my diploma from the school that ended up closing even though I graduated. So I disputed with Navient after seeing these prices even with interest it is n't possible. They want me to send signatures in so they can " verify '' if it got forged then why would I send them more signatures I 'm not making same mistake twice. I want to see where they take over and now XXXX which should have only been {$3500.00} is now over 10,000 more. As well I have it paid by XXXX, they are even showing that, the loan should be paid off cause completely by now. I truly feel like a victim where these people just keep trying to take advantage of people. I have documents and signatures and everything and they ca n't verify it and want me to send signatures. I want the loan to be gone I do n't believe I should be XXXX withered as these are fraudulent on someone book keeping or something it should n't be my responsibility to pay taxes on these fraudulent charges. I 'm done of them just magically pulling numbers out of no where. I paid XXXX XXXX I paid XXXX and Navient takes over and it 's like I paid nothing at all and surprise in XX/XX/XXXX surprise we added a number we have no idea where it came from. I 'm done, when I first disputed my student loans they said it will be updated in 5 days after a month I get an email saying well no it will take 60 days. Navient is doing something majorly illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: ASG Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ASG Sollutions called my husband ( first  time ) and said that on Friday he is going to be served papers at work if we do not pay our balance due.   I offered to make payments and tried explaining to her that I had  XXXX  and then was involved in a very bad accident and I can no longer work, our  XXXX   XXXX   XXXX  daughter lives with us and we are responsible for her as she can not work due to   XXXX   XXXX   (  XXXX ,  XXXX ,   XXXX   ).   I tried to explain to her that my husband is the o nly one wo rking, we are behind on our other bills as well and we do not have the means to repay this debt at this time unless they would accept  XXXX  month ( we owe  XXXX   ) She refus ed and said it has to be  XXXX  per month for 6 months and they have to have my bank card number to automatically take it because they " do n't trust us ''.   I told her if we had to pay that amount ( which we can not ) that I would not be able to buy food and she said " You should have thought about that ''.   I do n't know what to do, I asked her repeatedly not to go to my husbands job or he will be fired and she said they can go anywhere they want and use any means available to get their money.   She also said that once we are sued they will garnish my husbands wages for over  5,000.00 with all   court costs and things included.   I try to reason with her but she gets very loud and just talks over me.   WE NEED HELP as they are going to my husbands job o n   XXXX  / XXXX /2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I received on XX/XX/XXXX a letter in the mail from Pressler & Pressler with a court date of XXXX XXXX at XXXX. The last contact I had with this company was XX/XX/2015 after a summons had been found on my sister 's front door, the incorrect mailing address. I quickly called and agreed to enter a repayment plan as soon as the requested paperwork - a verification of the amount owed, a payment agreement in writing - would be presented to my current mailing address. I refused to provide my bank account/credit card via phone until that information had been forwarded to me. In the letter left in my mailbox, Pressler and Pressler indicates the dates of our communication as being over a year ago and fails to provide any repeated communication attempts or explain how I failed to make payments on an arrangement which was never agreed upon. Pressler & Pressler has failed to contact me or make any attempts to enter a payment arrangement with me and failed to provide any correspondence for the past year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please refer to CFPB complaint #  XXXX  and #  XXXX . I have been working to get a Deed in  Lieu  or Foreclosure process  ( either one )  done with Shellpoint Mortgage for almost t three  years now. They approved a Deed in  Lieu  yet have done nothing to get this accomplished. All title work has been up-dated. For the eighth time they requested me to update my paperwork, which I did. I then received the attached letter stating that the process is beginning from square one AGAIN. Each time I complete the requested documentation the process starts again. The paperwork expires because of Shellpoint, not on our end. They sit on the process. In the meantime they requested I have all tenants vacate the property, which I did and they are charging me maintenance fees. Because the property is vacant there is no income coming in to offset the mortgage. I am at a loss. We are more than willing to sign over the property via Deed in  Lieu o r Foreclosure, yet they do nothing. They return no phone calls, no emails, no communication. We are at a loss as to why they are dragging their feet on this. I do not know where to turn for help.     I have documentation of emails sent on a regular basis and phone messages left on a timely basis yet no assistance or communication. The only information I receive is an occasional phone message stating that someone will contact me. No one ever does!!!     Can anyone help us get this process completed? We are trying to work with them but they are not working with us or anyone else to get this resolved. Please help 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 2017-05-02
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can not take my personal and bussiness credit report for free and I think I 'm a victim of fraud, but I can not control it. Also, my problem is that I have been out of the  US  for about a year and making phone calls is difficult and very costly. I need your help.

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 2016-09-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
$ years of Stafford Plus loans to put son through college. Each year consolidated with total loan amount of approx. {$38000.00}. Was set up on gradated payments with payoff in approx. 10 years. Entered into bankruptcy in XX/XX/XXXX with payments to continue, which they did. After bankruptcy loan transferred to Navient. They show we still owe {$38000.00} According to my records we made {$26000.00} in payments from XX/XX/XXXX to XX/XX/XXXX ( 8yrs 4 months ) We received letter from Navient that our forbearance was approved. I never requested a forbearance. Additionally they changed our payment schedule to a new extended schedule for 25 years. I never agreed to such schedule and would be XXXX years old when it is paid off. Our original payment schedule should have paid off the loan in approx. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Total Card, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A representative from Total Card , Inc., who would n't identify herself, repeatedly called me in reference to a debt owed for {$450.00} for a credit card account that 's is fraudulent and do not belong to me. The representative repeatedly harassed, oppressed and verbally abused me and threaten me with violence, death, arrest, seizure of my property, wage garnishment and total embarrassment, if I did not pay the debt owed. Total Card is in violation of Fair Debt Collection Practices Act and Minnesota debt collection laws. I told the representative countless times, that I am a victim of identity theft and the account do not belong to me, but my answers and requests, was disregarded. SSN : XXXX, DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation