BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I had a credit card with XXXX card services. The account # XXXX. XXXX closed my account and took away the reward points that were accumulated in this account. XXXX profited from their one sided action, which is illegal or at least unethical. I ask that XXXX will pay me the value of the rewards that were accumulated in the account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Other fee

Complaint:
According to the Credit Card Agreement governing our account, " An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as " ANNUAL FEE. " I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed " each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX. 

The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Navient Solutions, LLC.
State: NM
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:
Navient provides inconsistent, and incorrect information associated with the income based repayment plan ( IBR ), refuses to accept documentation for the annual renewal of the IBR plan, and withholds correspondence in regards to IBR plan until after deadlines have passed. This is the second year in a row that annual renewal of my IBR plan for loans serviced by Navient would have ended due to these issues. It required contacting and requesting processing of IBR documents several times, along with Navient demanding multiple re-submission of IBR renewal request and documentation, and the request was not accepted or processed until after the submission deadline had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled XXXX accounts with the Central Finl Control in XXXX, I was told that the accounts would be removed from my credit report by XXXX different people. Not only did they not credit XXXX of my accounts they are now stating they will not remove from my credit report. In the mean time they have again reported to the credit bureaus and my credit score dropped because they are stated the accounts were not paid when they were paid. They also state if I have an issue I have to fax it in writing to just a phone number no name or anything. They would not let me speak to anyone other than a floor supervisor. You should be able to speak with someone in the dispute department to make sure you know where your information is going. When I told them I was going to file a complaint she said " you do what you have to do ''. This is a poor way to run a business, they took my money and did not follow through on what they were suppose to do. They falsely reported back to the Experian that there was a balance when it had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Had 4 phone calls in one day to my cell phone about debt collecting. 
They are asking to talk to a XXXX XXXX ... ... Not me ... .Never heard of him. They got the wrong number! I keep explaining to them you got the wrong number and they get very rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have called numerous times trying to work something out with them. They lied and told me that they would defer a payment or put a payment in forebearence if I caught it up to date. I did and then they refused to do it. They called me, I thought it had been deferred they informed me that whom ever I spoke with did NOT in-fact defer my payments. I skipped that month thinking it was taken care of. I had been in an automobile accident and needed a month, which I was told I had at that time. I was informed that now I have to pay that money again only to catch it up again with the money I do not have. I told them I would pay something by the end of the month and they continue to call me from private numbers which have no way of contacting them back. They also call me up until XXXX at night sometimes XXXX. also on Sunday 's. They have been told not to contact me at those times. I explained to them I am in the same business and know the ropes. They call XXXX times a day even after I have promised to pay on the account. They reply with " I can call you anytime I would like. '' I have tried numerous times to work out something with them. They are beyond rude and although I told them to contact my attorney they refuse to do that. I have an attorney on retainer but do not want to use that option. The company is Navient/ XXXX . I went to school at XXXX XXXX XXXX University. I did not get to finish my degree due to lack of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told this company to cease all communication. but this company is still showing on my report I know that consumer law cease of communication also meant to stop the communication of whats being reported on my consumer report. Stop communicating on All MEDIUMS DIRECTLY AND INDIRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage foreclosure/ Trustee Sale on XXXX XXXX, XXXX already faxed in the loan re-modification form to Chase. So far, there is no answer yet. In the mean time, we might precede selling our house or applying for Reverse Mortgage Program, or filing bankruptcy. Your prompt attention to help us postpone the sale date would be appreciated. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXXChase XXXX. XXXX XXXX XXXX, OH XXXX : Chase Bank Mortgage Account # XXXX paid {$670.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX for above referred mortgage account monthly payment ; {$670.00} for XXXX and {$2500.00} for XX/XX/XXXX. But Chase Bank only credited {$2500.00} to our account and did not credit the other {$670.00} XXXX. It was cheating and violated the consumer law. A copy of payment record is attached. 
Chase Bank setup escrow account to pay for house insurance and property tax. The attached XXXX monthly mortgage payment notice indicates that Chase post {$1300.00} as our property tax payment. Actually, Chase Bank only paid {$410.00} on XX/XX/XXXX for the house insurance but not for property tax. Instead, we paid the property tax {$2300.00}. Fraudulently, Chase posted and charged us {$1100.00} and {$550.00} as current and next escrow account payment. It 's a fraud scheme. Chase Bank Mortgage Corporation violated the consumer law by unilateral manipulated and modified home mortgage policy without notify and having agreement from the customer. 
Unless you correct your mistakes and reimburse our loss within ten days ; otherwise, we would complaint to proper authorities. 
Truly, XXXX XXXX Attached : - Chase Bank Mortgage Corp. account monthly statement. - Recent Mortgage On line payment records. - Property Tax {$2300.00} Paid on line confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Subject : I used Bank of America Debit Card to purchase some items from XXXX. I returned the items due to unsatisfied quality to XXXX. XXXX returned my money to my debit card but Bank of America is not returning my money to bank account. 
Bank of America Claim ID : XXXX Sir/Madam, I had purchased a tread mill and an equipment mat from XXXX on XXXX XXXX XXXX ( Order # XXXX ). But I was not satisfied with the items, so returned the items to XXXX. XXXX received the returned items on XXXX XXXX, XXXX and XXXX XXXX, XXXX. But I did n't get that money back till now. 
At the time of purchasing the items I used my old debit card ( Ending in XXXX ) but after some days Bank of America closed that debit card and issued a new card ( Ending in XXXX ). 
I called XXXX customer care several times that I did n't get my money back. They responded that, XXXX already returned the amount ( {$500.00} ) on my old debit card ( Ending in XXXX ). But I did n't see that returned money in my bank account. 
So I called Bank of America Claim services to create a dispute claim regarding this transaction. They created a dispute claim ( Claim ID : XXXX ). On that time ( XXXX/XXXX/XXXX ) Bank of America credited the transaction amount ( {$500.00} ) in my account on temporary basis. But on XXXX/XXXX/XXXX Bank of America debited the Transaction amount from my bank account and change the claim status as resolved, though I have provided all the proofs regarding the return. 
So Sir/Madam, I am getting harassment from Bank of America by delaying the process and taking time to return my money back. I hope you understand my situation and please return the money back. 
Note : I am attaching the bellow documents again. 
1. XXXX screen shot with return items and return dates. 
2. Freight receipt of XXXX for returning equipment mat. 
3. Freight receipt of XXXX for returning tread mill. 


Regards 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 monetary relief
Consumer complaint received 2016-03-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
My name is XXXX XXXX, I had a dispute with XXXX regarding an internet services. I ordered 20mbps of internet speed, and XXXX only gave me less than 1mbps. So I refused to pay XXXX. I worried that XXXX might charge me on my credit card, so on XXXX 2015 I phoned my credit card company, CHASE ink, to block any charge from XXXX, and CHASE promised me the whole thing. But on XXXX/XXXX/2015, CHASE accepted a charge of {$360.00} from XXXX, and put it on my account ( my account ending in XXXX ), and had me to pay for it. I started dispute with CHASE since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a loan modification and was given a lower payment to pay for 3 months before the start of the modification period. The bank reported it as late payments for 90 days when they told me it should say paid a lesser agreed amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview MXXXX included {$3600.00} payment over to me to pay for a mistake on they behalf. Transferred to Community Loan applied for Modification for 6 months my mortgage is only {$560.00} they increased my mortgage 8600.00. Transferred to XXXX XXXX XXXX. I the process my fixed interest rates has change which my payment has also change. I purchase my house XX/XX/2000 in the amount t of {$54000.00} I refinance one time received {$16000.00}. The amount has Increased with each on the two Mortgage companies listed above Bayview and Community I know something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
This is XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX WI. We have XXXX cd 's representing XXXX clients that have irrevocable funeral trust agreements with us that Chase Bank, XXXX XXXX XXXX XXXX, XXXX WI has sent the funds to the WI Unclaimed Property. We have made an effort with the Unclaimed Property people and they say Chase Bank has to file paper work to recover the funds back to the bank. The people at Chase Bank are unwilling to cooperate with us. 
Is there anyway you can encourage them to cooperate. This is not fair to the families that have entrusted Chase Bank to safeguard their funds for their funeral services. 
This whole issue has happened with our funeral home and Chase Bank in the past. This is the first time they refuse to assist. They evidently no longer wish to have irrevocable funeral trusts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was granted a forebearance due to being affected by COVID ( loss of income and loss of a family member ). When the forebearance ended, my XXXX appeal was still pending from initially being denied and I was in an active bankruptcy. I asked my mortgage company for any type of assitance or a modification. I was sent paperwork to do a partial claim and a modification, but the monthly payments would increase HIGHER than what they were, the interest rate would increase, and they wanted me to START over with a 30 year mortgage. I spoke to my bankruptcy attorney and he advised me NOT to agrre to those terms, as my home is in need or major repairs! He told me to " View my home as if it was my 1st time buying it, and determine if it was worth the {$200000.00} + that the mortgage company was modifying the loan for ( which was HIGHER than my initial purchase in XX/XX/XXXX ). '' I did not agree to the 1st solution Mr Cooper offered and they said they understaood and would revise the payment and send me some new documents. After a few months, I got another modification and partial claim. STILL with the SAME terms as before! However, I had also applied for mortgage assistance with Mortgage Assistance of Alabama ( where they stated they would pay up to {$50000.00} ) of my loan. I asked Mr Cooper if they could put the extra $ XXXX on the back end of my mortgage, so I could qualify for the guaranteed grant of {$50000.00} and I was told no. As a result, Mortgage Assistance of Alabama denied my assistance because they said I could not be behind over {$50000.00} and Mr Cooper reported to them that I was behind over {$78000.00} ( although my statement showed {$60000.00} ). The time frame of each company overlapped, and I had to reapply for another modication. Mr Cooper just sent me the loan modification papers XX/XX/XXXX and stated I need to contact them by XX/XX/XXXX or foreclosure proceedings will start, and my 1st trial payment is due by XX/XX/XXXX. The monthly payment is a little higher ( from {$1300.00} to {$1500.00} ), but they are STILL forcing me to change my loan from 21 years back to 30 years, and from 4.25 % to 6.625 % interest rate. They have added THEIR attorney fees and several inspection fees to my mortgage that I was unaware of. This seems like PREDATORY lending and/or price gauging, and is not assistance for Pandemic Relief after 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 2017-01-19
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 decrease my monthly payments

Complaint:
I have a student loan originally from XXXX, whom was replaced with Navient. I have tried repeatedly to get my loan payments lowered due to the change in my financial situation. Naviet refused to lower my payments. Instead, I was told the only thing they were able to do was give me a XXXX month extension, and delay my payments, which made no sense to me. 

My income had decreased drastically, and my husband had also taken sick leave from work. I was constantly told delayed payments were my only option. 
I was devastated. 
I feel that I was never given an fair chance to repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good dayToday i found out my bank account is frozen and ready to be closed. 
And i am victim here with have worked for a company whoi now realize send me a Bad or Fake check. 
for an ammount of XXXX dollars and XXXX ct. 
That my account will be closed because of this, i really do n't like.. I all ready needed to find out, that iworked hard and in the end not being paid for it. 
Because the Check is not good. So on that i am a victim of peoplewho hired me for doing a XXXX job. Got cheap labour. 
But the problem now is that i am also because of that about to loose my chase bank accountand that i do n't think is fair. 
So is there any thing, that can be done, to not have my bank account being closed? 
Hope that this problem can be resolved and that i can keep my chase account activeRegards

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/2015, I placed a stamped addressed envelope in my mailbox to mail a XXXX check to our lawn maintenance person. The check was made out in his name. Somewhere, either out of my mailbox or in transit to his address the check was stolen and was altered to read made payable to my lawn man and " another name '' in the amount of XXXX. The check was forged on the back with his name and the thief 's name and cashed ( presented at XXXX ) and the money was taken out of my account. I immediately notified Chase bank and filed an Affidavit of Unauthorized Endorsement or Altered Item with Chase, filed a police report and tried to contact XXXX XXXX on my own. Chase bank told me they will not give me a curiosity credit while the investigation is going on, and they are at the " mercy '' of the other bank ( XXXX XXXX ) to respond to their inquiries. None of these entities will help me. I filed another investigation with the executive office of Chase bank, who informed me I have to wait a minimum of 90 days for a response from XXXX XXXX, then another 30 days after that, if no response is received my case is closed, and I may never get my money back. 
Being an XXXX on a very fixed budget and with very, very little savings, the loss of this money hit very hard. It caused me to incur a lot of debt, late payments, and fees. I feel as though I have no one really trying to help me not only get my stolen money back and find who stole my check, but that Chase bank is not taking any responsibility for their negligence with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chase is inaccurately reporting the status of my auto loan. They have misrepresented my payment history to the credit reporting agencies, after promising to correct it and are trying to collect payments I 've already made. I 've attached proof of payment, and a recorded phone call and proof of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Chase Mortgage XX/XX/XXXX to provide new account information for my mortgage auto payment. I completed the form and faxed it back the same day I received the form. I spoke with an agent who confirmed the payment would be taken from my new account on XX/XX/XXXX. On XX/XX/2016, Chase tried to take the money from my old account and I incurred a {$29.00} fee. I called Chase and they said I needed to complaint the form again and they would not reimburse me the {$29.00} fee. I tried to write a complaint to their executive office but after 10 minutes of trying to locate the information on their website with no success I gave up and filed this complaint. Chase screwed up and did not take the money from the right account and now I 'm charged an overdraft fee that I would never incurred if they had not screwed up. I think it is horrible customer service to not reimburse the fee for there mistake. Why should pay {$29.00} when I did everything right. I contacted them in more than enough time for the payment and even spoke with someone to confirm the new payment information. Now they want me to complete the form again. What kind of confidence should I have that it will bec completed this time and I wo n't have this problem next month. Horrible horrible customer service. I want to reimbursed my {$29.00} fee for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was 90 days late on a student loan payment in XXXX of 2014. I pay all classes of loans in one monthly payment. On the credit report attached " dept of education '' shows up XXXX separate times for this late payment, and I think it should only be reflected once. I could be wrong, but it seems that maybe I should refinance all loans into XXXX .... in the case that this happens and it would all be just XXXX entry. it seems that it it disproportionately impacting my credit score.

Company response to consumer: Closed with explanation