BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
This is a dental practice loan. Applied for refinance. This company already has the original loan. Process started in XX/XX/XXXX. Company has not been adequately responsive for last 2.5 months.. meanwhile I am paying the added interest to them. 
They are not answering emails or phone calls. I have been " approved '' per agent ( XXXX XXXX ) yet received no call backs for over ten days. HE is consistently not responsive. I left messages with other agents in an attempt to move this along. still no response

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 2016-04-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
on XXXX XXXX, 2015 our XXXX mortgage with Ocwen was cancelled as part of a Chapter XXXX that has since been dismissed. Ocwen did NOT notify our county with the reconveyance that the XXXX mortgage was satisfied. On XXXX XXXX we had the closing scheduled on the sale of our home and our title company let us know that the XXXX mortgage was not released according to our county. The gentleman that was going to purchase our home has cancelled. We are in the process of working with another family and they are paying cash and want to close quickly, we have put a down payment on a new home in another state and we must close by XXXX XXXX or we will lose our deposit. I was supposed to start a new job in NY today, obviously I did not. I have spoken with people from OCWEN everyday since XXXX XXXX, I have emailed, cried, begged, left messages, and I got nothing. I offered to pay for overnight service, nothing. I have asked them to forward the document directly to me and not the county, as our title company can file it the day I receive it and the closing will be quick. I am begging for help, we do n't want to lose the home we are trying to purchase, but without the closing, we can not purchase our new home. We do n't want to lose yet another buyer because we do n't have that document. I will forward the IRS cancellation of debt statements. OCWEN is not in disagreement that it is a XXXX balance, they just wont process the document we need to sell our home. Any help is greatly appreciated. thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a account that should had never been put on my credit reports I applied for assistance threw the hospital and was approved. because I was on public assistance at the time and the hospital told me I was approved. and the bill would be paid threw the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We first of all was manipulated into a mortgage contract ( that terminated after 20 years ) the contract was called a ballom mortgage originally we had a 30 year mortgage then at that time they demanded that we refinanced the the entire amount of the mortgage which was {$100.00} at the beginning. we paid over XXXX into this contract and yet we did n't recieve any equity. then they refuse to negociate any thing with us mortgage reform called a Modified Mortgage. that we were never late on our payment all the while we kept all of our mortgage payments up. at the end of that time they refuse to except any payment. after becoming fustrated with mortgage we finally relocated. they then forclosed and sold the home for {$110000.00} and we did n't receive a cent back. We believe that we victims of preditory lending which was perpetuated by Ocwen Mortgage a division of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: HW Holding, Inc
State: SC
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:
I previously disputed this account with Hunter Warfield , Inc . I provided them the information they required and they failed to reply back to my complaint. It has almost been 30 business days since this has happened, so I recommend either showing me what you 've come up with or removing it from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: HW Holding, Inc
State: OH
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:
Hunter Warfield debt collection company has reported I owe a debt of over {$1000.00} which they purchased from a lease company called XXXX XXXX out of XXXX, Ohio. XXXX XXXX fabricated these charges in retaliation for me reporting and complaining about illegal activity on the apartment complex property which endangered myself and my children. When we broke our lease because of unsafe conditions and repeatedly being victimized by theft by other residents and their guests the leasing company withheld my security deposit and fabricated charges for non-existent " damages '' in order to recoup the rent that would have been owned had we fullfilled the remainder of our lease. I informed Hunter Warfield of this on every occasion that I spoke with them. They insisted they had verified the debt was " valid '' by taking XXXX XXXX 's word for it. I told them I had XXXX photos of the apartment on the day we moved out showing there were no damages but they refused to let me send them to them. After repeated contacts to my cell phone I informed them I did not want them contacting my cell phone anymore and requested they only contact me in writing. Collectors were rude and hung up on me when I made these statements, only to continue calling back to my cell phone multiple times. Their collection practices were aggressive, threatening, intimidating and illegal when they refused to stop calling my cell and refused to contact me only in writing. They also did not do a proper job of validating this debt as there were no damages to the apartment at all. I have now been denied a mortgage loan to purchase a home due to this specific item appearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My Bank of America savings account went negative by almost {$1400.00}. The bank said it was negative for XXXX days as of XXXX/XXXX/2015. I was trying to pay it off through a payment plan, but the Bank refused and while it took the reason why the account went into a negative balance as a fraudulent transaction ( which happened at XXXX time ), there was no action made to the person who wrote the bad check, nor was there any feedback that they would have allowed me to pay back incrementally the negative balance. 

On XXXX XXXX, 2015 Bank of America performed an unauthorized transaction by taking all of the funds out of my checking account which were actually a student loan for my wife 's school and left us with a negative balance. When I confronted the bank, they said that they were allowed to do that based on the contract of my accounts. I found that hard to believe, which is why I am making this complaint that Bank of America has been performing predatory business practices and continues to do so that are not only unethical but I wonder if they actually violate the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX XXXX {$6200.00}, XXXX  XXXX  XXXX XXXX {$8500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}. Each of these accounts are on my credit report. I have not applied for any of these accounts listed on this statement. I have spoke with an creditor for each of these accounts. Nothing has been done, I also have another unauthorized account on my report, the creditor name is unknown XXXX XXXX {$5900.00}. I have never used any of these accounts.I have never applied for these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
On XX/XX/XXXX, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for XXXX reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since XX/XX/XXXX, and I 've never once been late. For the last XXXX years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than XXXX %. How can anyone consider that excessive? The " delinquent '' bill in question turned out to my Bank of America MasterCard, in the amount of {$25.00} [ I made a donation to my XXXX XXXX XX/XX/XXXX but never received a bill ]. The FIA Card Services letter referred me to XXXX XXXX XXXX to dispute it. I tried calling FIA direct but they basically said their decision was final, that I was a " poor credit risk. '' Up until this happened my FICO score was XXXX. It 's now dropped to XXXX. Yes, I paid the bill XXXX XXXX [ It took 2 hours and required purchasing a {$9.00} online report from XXXX, unless I wanted to wait 2 weeks for the snail mail version, to even find out what it was that I owed and to whom. ]. Their behavior seems more than a little draconian. Please, can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN -the mortgage company -sent me a letter stating my mortgage was being sold to XXXX and gave me a check for {$89.00} to repay the echrow account. I went to deposit the check 2 months later and was informed by my bank that they denied payment and I was charged {$17.00} fee. I have called QCWEN numerous times and they claim the check was cashed in XXXX but I had the check in my hand in XXXX for deposit. They refuse to give me any info on where and who cashed the check since I had the live check in my hands in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home with XXXX Mortgage nearly XXXX years ago. I was told that in about XXXX years I could refinance the loan at a lower interest rate. In about a year of purchase the loan was transferred to Greentree Servicing. Due to medical reasons I have fallen behind a few times and have requested numerous loan modifications. I have never ever received a response to any of my request. Recently I called Greentree due to a notice of default I received. I was finally informed that my loan does not qualify for modification because it was a previous XXXX Mortgage loan. This makes no sense to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Bank of America targeted me for an offer of XXXX XXXX miles upon opening a new credit card with them. I applied for and was approved, and only received XXXX XXXX miles. I was told I was not credit worthy. I have a credit score above XXXX, top 1 % of income, and a perfect payment history. This is a blatant bait and switch. I was offered to apply again, with the SAME CREDIT SCORE, SAME CREDIT HISTORY, and was given no guarantee that the promise of the missing XXXX miles would be kept. This is dishonest advertising, and disrespectful handling of a mishandled situation. They should make good on their promise, and give me the missing XXXX miles. They should not further string me along with the false promise that I will qualify for a larger credit line with a second application. This is dishonest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: RAYMOND JAMES BANK
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I decided to invest my money with Raymond James in XXXX, 2015, due to the guarantee of protection that I would be getting with my investment. My financial advisor at Raymond James informed me that he could not provide better returns then what I was seeing on my own but what he could do is promise me protection from any major loss if the market was to go into a tailspin. His investment strategy he was proposing was to set Stop Losses in my plan to make sure I got out of the market at 10 % loss if the market was ever to have a major drop in the market. He could not believe that I had no protection built into my current plan that would protect me from a catastrophic loss and what he could offer me was peace of mind and a guarantee that even in the worst of times I would not suffer more than a 10 % loss due to the protection that he would put in place with his investment strategy. I believe the Stop Loss investment strategy was not properly explained because this strategy did the opposite of protection and caused me to have a major loss. NO RISK was even mentioned. I should have never been promised protection if that was not true. The sales pitch I was given was based 100 % on protection. When the market dropped on XXXX XXXX my account was traded at 40 % below the market in some cases. The value of my account dropped by over XXXX. My advisor said that it was not his fault and this has never happened before. I should have never been sold a guarantee of protection if this was not true. My advisor should not have had me invested in XXXX 's that were not liquid and difficult to find a buyer in a down market. I feel Raymond James and my financial advisor are responsible for my loss by their negligence to understand the inherit risk of an investment plan based on Stop Losses, to properly inform me of the risk involved, to have invested my money in XXXX 's that were not very liquid, and to promise protection from a loss of greater than 10 % and yet I suffered losses of 40 % below the market. The response I 'm getting from Raymond James is not acceptable when they are supposed to stand behind their promise of protection and integrity. They empathize with my situation but say the trades were valid trades even though the orders were filled at prices lower than the sop amount limit was set for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated from XXXX XXXX XXXX XXXX ( XXXX ) with over {$300000.00} student loan!!! I should be working as an XXXX but no residency. XXXX XXXX many many times for guidance and last I heard was from their program director telling me I am XXXX. Since 2009, I have been paying student loan for federal and private. My income is only XXXX compare to the income should one have for $ XXXX student loan. Federal has increased payment and Salliae mae have had me paying only interest and now wants to increase it by 188 % or commit to pay {$510.00} when at end of the month I only have {$100.00} left. I tried to talk to them but with very rude language she said " that is all we have, give me your credit card and commit to {$510.00} for 15 months ''. I only have {$100.00} left in my account where do I bring that? Due to false statement from XXXX, no residency no job that can pay this loan. It is not me, there is lot more that do not know what to do and who to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I am filing a formal complaint against FIA Card Services. I enrolled into their XXXX Program in XXXX XXXX, XXXX and completed it on XXXX XXXX. Upon enrollment, I was advised that this negative account would be deleted from my credit report upon completion of their program. The creditor did not uphold their verbal agreement. It should read for the XXXX XXXX my credit limit was {$11000.00} and the word high balance should be omitted. On my credit report, it clearly states that on XXXX XXXX, my balance : {$4500.00}. The XXXX program was {$210.00} a month. The creditor merged with Bank of America and my agreement was forgotten. I have tried to access my online account to obtain my online statements but the creditor XXXX my access upon completion of their payment program. Fortunately I was able to retrieve my original Special Repayment Letter along with my paper statement from XXXX. I entered into another payment program with another creditor during XXXX, and they removed the derogatory item from my credit report once it was settled. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I sent a payment to pay off my daughters XXXX loan XXXX via Bill Pay ( direct from my bank with notes to apply to this loan only ) Navient applied it to all XXXX loans ( She also has XXXX Signature student loans with Navient ) so most of the funds went to interest payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Amsher Collection Services, Inc.
State: NV
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:
In XXXX, 2012 when I moved to my current apartment, I contracted with XXXX to provide me TV and internet service. When the tech came to my apartment to install the dish, he told me they could not provide service because they could not see their satellite. I understood and contracted with my local cable company to provide service. I received a bill from XXXX shortly after this and I called them to explain the situation and they said they would cancel the bill. I never received a bill XXXX ( the internet provider ) so I assumed that their service was also cancelled. About six months later I got a phone call from a collection agency telling me that I owed XXXX {$440.00} and they were attempting to collect it. I explained to them that I did not owe these charges and that I never received a bill XXXX. I have not to this day ever received a bill from XXXX and that if I had I would have dealt with the issue at the time and it never would have gotten to this stage. The collection agency has placed a collections item on my otherwise impeccable credit report and I would like to have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out Federal and Private student loans for my college education. XX/XX/XXXX and again XX/XX/XXXX, I suffered a XXXX that forced me out of work and I had to halt payments on my student loans. I have yet to fully recover financially from the impact of those incidents, but XX/XX/XXXX, I began repayment of my loans through XXXX. 

I made verbal payment arrangements with them, and I began to send in my monthly payments via my online banking bill payment service as they provided physical checks to the lender for payment. For over 5 months straight, my payments were deducted out of my account and cleared ( I have scanned images of those checks having cleared and been stamped for deposit by XXXX ), but after 5 months I received a notice of default from them, stating I had not made any payments. 

Once I received this notice, I printed off the images of the cleared checks and contacted XXXX, and they indicated that they could not service or answer my inquiry as it was in default and sent to another loan servicer. I have since paid off those smaller accounts, but they are still showing up on my credit report as " closed-missed payments '' and prohibiting my ability to secure credit despite my excellent credit score. 

I am beyond furious as I feel helpless and without recourse after having paid as agreed, only to have them not ever post a payment to my accounts ( Where did my money go? ), but adding insult to injury, now I can not secure credit for something that happened 5 years ago.

Company response to consumer: Closed with explanation