BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Completed Trial Mortgage Modification with Bank of America. Informed by Customer Representative additional money would remain in Partial Balance until full payment was transferable as payment. Received call on XXXX XXXX, 2015 from new Customer Representative asking about XXXX payment. Informed her that I would like money transferred from Partial Payment used as XXXX Payment. Customer Representative and I spoke to a couple of people, before we were informed that the money had been applied to Principal. I questioned why this was done after adjustments had been made after Trial period and requested to have money moved back. Heard circular reasons and Customer Representative being on the account as to why it could not be done. Customer Representative said she would speak with her supervisor. Requested she explain my concern, when she was not able to adequately explain my concerns, I requested her Supervisor 's name and number. Left message for Supervisor that was never returned. Customer Representative called on XXXX XXXX for scheduled follow-up. She apologized for prior Customer Representative giving me inaccurate information, but money applied to Principal was not able to be transferred back until XXXX payment was made and she was removed from account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26
Company: DISCOVER BANK
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a Discover Cardholder since XXXX. I have used this card for both purchases and cash advances. There are 4 types of balances listed on my bill - Purchases after XX/XX/XXXX with a rate of XXXX, purchases made between XX/XX/XXXX and XX/XX/XXXX at a rate of XXXX, purchases prior to XX/XX/XXXX at XXXX, and cash advances at XXXX. I have been making minimum payments on thecard for several years, and I recently took a closer look at the payment breakdown because it seemed that the balance was just not dropping. What I found was a bit disturbing. I only have my XXXX most recent statements, but I am trying to get online access to more. On my XXXX statement, I had a total interest charge of {$180.00}, which was paid from the payment I made of {$210.00} and dropped my outstanding balance by {$27.00}. All of that seemed correct. The problem arose when I reviewed the interest charge calculation portion of the bill and realized that the interest was not being paid by my minimum payment as I had thought. The interest was being added to the outstanding balance of my higher rate balance types, causing that balance to go up, which will result in a higher balance subject to the higher interest rate with no additional purchases or advances done by me. Below is the information : Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$32.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4200.00} - interest charged {$59.00} Cash Advance - APR XXXX - balance {$4100.00} - interest charged {$85.00} Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$31.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4300.00} - interest charged {$62.00} Cash Advance - APR XXXX - balance {$4000.00} - interest charged {$83.00} Instead of applying my minimum payment to interest charged, it was applied to pay the lowest rate balance and my balance subject to the XXXX and XXXX interest increased by {$120.00}. This does not seem like a legitimate practice for applying payments. My balances are increasing, but I have made no additional purchases or advances and have received no penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have several months of negative reporting for Acct # ending in XXXX from XXXX, which is showing " pays as agreed '' however, it 's showing delinquent from XXXX to XXXX of XXXX. And the other Acct # ending in XXXX from XXXX to XXXX, is reporting negative from XXXX XXXX to XXXX XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen is continuing with a foreclosure despite a bankruptcy filing, a Chapter XXXX Petition with the United States Bankruptcy Court, District of West Virginia, in Case Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
First loan was paid off in 2021. It was a five year contract which means it was during XXXX and it was an overpayment technically. The branch refuse to refund me for the overpayment amount after I got the second loan, requesting for a plan after losing my job, having XXXX, leading to the branch then pulling my credit after they verbally told me by I wouldnt get a loan and threatened to Repossess the vehicle. I also believed they shared my consumer information after I explained I was buying a house and was approved for the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I referred XXXX XXXX to the Chase Business ink Unlimited card. She used my referral link and was approved for a $ XXXX credit limit. Her zip code is XXXX in XXXX  XXXX, CA I was supposed to receive a {$200.00} bonus in the form of rewards points. I did not receive them and when I called Chase they said they can't see that the person used my link. She most definitely did. I want my points please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have previously submitted complaints concerning unauthorized charges by Wells Fargo to my credit card for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX. I think I should be reimbursed for these fraudulent charges. When Wells Fargo was approaached to respond, their responses were fiction. The transcription sent to me was fiction and addressed a policy that was not the one I was charged for. I was charged for a XXXX XXXX XXXX and the transcript was for " health benefits. '' Please look into the XXXX XXXX XXXX Fraud as I am sure I am not the only 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 2015-07-31
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am a single mother of a XXXX child. I am currently unemployed as my child requires full time care. In XXXX, I attempted to get a modification of my mortgage through Seterus-my loan servicer. I filled out the paperwork, sent it in, and I received a packet in the mail that said that yes, I had been approved for a trial modification! It said to pay an amount for XXXX, XXXX, and XXXX XXXX for the trial period. ( I did that. ) Then I got another modification approval packet in the mail a day or so later that was exactly the same except it said to pay a higher amount. I was confused so I called them. I could not get through to a live person, so I paid amount that I got in the first packet on the first of XXXX as instructed and also on XXXX XXXX. Then I got a notice that I paid the wrong amount-and therefore my modification was disqualified. I called Seterus and spoke to someone who said that the amount I paid was the wrong amount and that I no longer qualified for the modification. I asked for something in writing, since I never rec 'd anything that said the first packet was a mistake, and she said that I could n't get that. I called later the same day to clarify what the first person had told me, and this next person told me that I should be fine with the payments that I made, that she would put an inquiry in for me and let me know something in a week. In a week I did n't hear back so, I contacted the mortgage help line through XXXX and was directed to XXXX. I explained the situation to them and together we called Seterus-a XXXX conference call and XXXX recorded the conversation with their permission. We spoke to yet another agent at Seterus. He told us that while the amount I paid may have been a mistake on the part of Seterus, I still qualified for that amount, and there was no problem with me paying it and that all was fine with my modification, that Seterus will honor it. He verified that I had paid on time for XXXX and XXXX, and that I should just continue to pay that amount every month until I got the final modification paperwork. To pay the XXXX payment, and even a XXXX payment if I had n't heard anything since they were backed up-he also said to ignore any mail I got saying i was late as it would take a while to for the system to catch up. 
I have the names and dates of everyone I spoke to at Seterus. 
So I paid XXXX payment and after my XXXX XXXX payment, I got civil foreclosure notice hand delivered to me from XXXX by XXXX on XXXX XXXX. I do n't understand how I can get such conflicting information from the same company about the amount of my modification. And also, the second packet contained a payment that was more than my monthly income. Why they would modify the mortgage to more than my monthly income? I can pay the first amount if they would modify to that amount. 
After that, I contacted XXXX again and was directed to XXXX who is now working with me to resolve this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have XXXX mortgages on my home that were transferred to Bank of America from Countrywide. I applied and was approved for a modification on my XXXX and was told that the XXXX would follow immediately after. After many single points of contact with B of A and completing an extraordinary amount of paper work I was told I did not qualify any longer because my income is too high. I have tried to speak to all department at B of A that may be able to help me and I get different responses to the same question. I decide to hire an attorney who understands the system better than me. She is getting the same inconsistent response as I was. I told the attorney to make a short pay of offer to B of A. B of A rejected the offer stating that I have n't been denied modification in the last 60 days. B of A wants me to start over again. If I was denied because of income before why would it change now? My attorney requested a copy from the note holder indicating that the offer was rejected. We have been waiting a week with now response from B of A. 
The has been going on since 2009, I have tried diligently to reach some kind of agreement with B of A but the refuse to be upfront with information. After 6 years late fees have accumulated and my credit for the first time has had negative reporting. If the right people from B of A would just communicate with me I 'm sure this can be resolved quickly. Neither my attorney or I have been able to contact the right person. I have lived in my house for 10 years and would like to stay. The value is still considerably less than I owe. 
Thanks

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 2016-08-30
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX issues - The loan rate being charged can not be substantiated via the loan documentation, and the loan rate charged is above what can be calculated. 
I am a cosigner on my daughter 's student loans. 
Originally the loans in question were with XXXX who sold the loans to Discover prior to the deferment period ending. 
The loans are variable interest rate loans. 
The loans use either the 3 month XXXX or the XXXX XXXX published Prime rate to calculate the loans interest rates. In addition there is a " margin '' associated with both loans. However, Discover can not provide documentation ( prove ) the margin associated with the loans. 
Using the original disclosure statement to " back out '' the margin using the published interest rates, shows the interest rates being charged are above what the rates should be using the historical rate changes for the loans. 
Numerous calls to Discover Student Loans, including talking to a supervisor at Discover has failed to produce the documented " margin '' on both loans and an explanation of how the rates are calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/22 I paid XXXX a XXXX XXXX company XXXX $ that was in collections and I started a new policy with them as well. I called them multiple times asking them to remove it from my credit report. The representative told me there was nothing she could do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX i sent a validation letter to FCO, they failed to respond to my dispute. Under federal law this is a violation. i would like the removal of this alleged debt. 
As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HO with delinq mtges with Fifth Third contacted me asking for help with a loan modification. I gathered all the information and send the RMA and all other required docs to the bank for review. On XXXX XXXX, 2016 the POC person at the bank, XXXX XXXX XXXX requested addtl documentation which I immediately faxed to her. On XXXX XXXX, 2016 XXXX requested P & L statements for the HO 's XXXX. I provided them and faxed them in to her on the same day. The HO got a letter dated XXXX XXXX, 2016 from XXXX XXXX at Fifth Third advised that they had to close her file since she did not meet the terms of her agreement???? What are they talking about? I called the bank and talked to a guy named XXXX who said that XXXX 's notes on the file said that since the P & L statements were not signed and dated they were closing the file! Really??? All she had to do was ask me to get them signed and dated which I have done and returned to them today asking them to re-open and review this file for a loan modification. They obviously are not too interested in helping the homeowner and I do not approve of their tactics. Someone needs to talk to them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
At the Bank of America Branch located at XXXX XXXX XXXX, XXXX, MO XXXX where I have my personal checking account. One day XXXX XXXX XXXX a Loan Officer of Bank of America suggested that we should look into changing our Merchant Accounts to process our credit card transactions at our XXXX. XXXX XXXX XXXX introduced to XXXX XXXX XXXX Assistant Vice President of Bank of Amerca and he was excited to know that we have XXXX and XXXX have credit card transactions done by different companies, XXXX and XXXX. XXXX XXXX XXXX has promised to us that if we transfer the XXXX accounts to Bank of America, he would give us a very good deal ; in that they would pay us {$500.00} if we are not saving money using Bank of America Merchant Services for our XXXX. 

XXXX XXXX XXXX has promised us that : 1. Bank of America would insure that the credit card readers for XXXX were going to be in compliance, as of this writing of this letter, nothing has been done to the equipment to bring them up to compliance. 
2. Bank of America will pay {$500.00} if they can not save us money. As of today, we see no lower fees from Bank of America compared to XXXX and XXXX XXXX XXXX XXXX. 
3. XXXX XXXX XXXX has promised us that he would make sure that Bank of America pays our termination fees for both companies XXXX XXXX XXXX and XXXX XXXX XXXX to come over to Bank of America Merchant Services for XXXX accounts. XXXX charges us XXXX XXXX dollars ( {$300.00} ) termination fee and XXXX charges us XXXX dollars ( {$390.00} ) termination fee. As of this writing XXXX XXXX XXXX said that he has submitted request for Bank of America to pay us the termination fees XXXX times ( XXXX ) and as of this day writing this letter, we have not received any reimbursement for the termination fees from Bank of America. 

We would like to settle this by having Bank of America pay us XXXX XXXX and XXXX dollars ( {$690.00} ) for the reimbursement of the termination fees from the other XXXX XXXX XXXX XXXX XXXX and 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 2022-10-26
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been searching for a job to work in my background of IT. I CORRESPONDED WITH A XXXX XXXX XXXX on XXXX. I was eventually offered a remote position to work from home and This Company http XXXX XXXX  This company was providing the following equipment to perform this job. 
Everything is also found in either XXXX  conversion or XXXX XXXX to reference for this. 
The Equipment Ordered Brand new XXXX  Laptop XXXX XXXX XXXXXXXX printer, scanner, and fax machine XXXX XXXX XXXX XXXX XXXX XXXX 
After accepting this opportunity I began to train via XXXX with a XXXX XXXX. 
The entire Transcript of my conversions with XXXX XXXX in XXXX  ( XXXX XXXX XXXX and XXXX XXXX in XXXX ( XXXX XXXX ) have been attached to this email for reference all of this information is there to reference and see. I received two checks for the amount of {$4900.00}. I deposited both checks via a Branch office ATM XXXX. 
I send my SS number in a XXXX with all the personal information that is harmful to a person. Zelle will not refund a XXXX dollar transfer sent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander XXXX lender who never proved they owned my loan is not making harassing phone calls to me 3 years after the last payment if a loan in which I satisfied fully. The have n't been in contact with me in three years and have taken action with false reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Evergreen Acquistions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
They keep calling my Home phone #, my Cell Phone, my wife 's Cell phone continuously for two days now. They are looking for someone who has the same last name as me. I 've told them I do n't know them and they just keep calling & harassing my family. They are using the name of Evergreen Acquisitions, their # 's are XXXX, XXXX XXXX, XXXX XXXX It shows up as XXXX. XXXX on my caller ID.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
the original debt was for a physician, I have repeatedly tried to contact every office of Professional Credit Management that I can find in Arkansas. All of the phone numbers are disconnected or ring incessantly. This is a very old debt and I do not even know if it is valid ; I did owe this clinic but they have not brought it up in numerous subsequent visits made since XX/XX/2011. This collection is hurting my credit i am trying hard to rebuild ; and I can not even reach or contact this company to make my case. There is no way to contact these people.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: LA
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 initially borrowed XXXX dollars in XXXX. I graduated from XXXX school in XXXX. The first couple of years I paid, then I deferred a couple years followed by a forebearance or two. I was never given a statemwnt indicating all this interest would be tacked on to the end. It was literally a phone call and answering yes to XXXX questions. Too easy! I was young and had no idea the mess I would be in today. I have been paying consecutively for at least 5 years now. The last XXXX, greater than a hundred bucks a month. I called to get a payiff because I had n't received a statement and my loan had been sold several times .... I owe MORE than I borrowed 16 years ago!!!!! Outrageous!

Company response to consumer: Closed with explanation