BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Towards the end of XXXX I was discussing the options I had for deferring my student loan payments from Salle Mae, as I am in the process for re-enrolling in school. I was advised that I can take a XXXX month forbearance until my registration was complete and could then defer my payments as a full time student. I thought everything was set up, however I received a notice that my payment was past due in XXXX. I called to confirm that everything was in place and advised it was not, so I attempted to set up the three month forbearance. I was advised that this is a customer service ability but could only be initiated after I made my payment and they could only do a XXXX month deferment. All I want is to be able to do the XXXX month deferment like I originally wanted and for this company to be reviewed for potential lending violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
see complaint # XXXX ( open ) and # XXXX ( why did you close this one ) Status of my complaint and all documentation proving the fraud ... ..please make bank of america compensate me for what they have done. 

On XXXX XXXX, 2008 I was set up by XXXX XXXX XXXX fraudulent transfer of warranty deed and XXXX XXXX Bank of America fraudulently finished me off. 

XXXX XXXX property fraudulently on XXXX ( who paid the money to do this since my policy did not take effect until XXXX? and I did not sign nor take possession until XXXX? ) -Effective date of title policy XXXX why this date? 

-I paid {$420.00} premium for XXXX XXXX insurance on what date did you receive payment? 

-Securitized pooling certificates do not transfer ownership EVER and they were FHA insured # XXXX. ( XXXX signed papers and title was clouded at signing title XXXX ) -DEED of Trust XXXX ( XXXX ) I never owned the property but I was lied to stating I owned the property for I made down payment and payments and a fraudulent warranty deed that stated I did. 

XXXX XXXX " states '' Bank of America had note XXXX AND investors were Bank of America NA see SEC filing from XXXX for securitized pooling certificates -XXXX Opened back door for illegal court recording and that is how XXXX ( new policy for new property owner for title policy/Company follows property -no recording fees-investors of XXXX ) and BAC ( foreclosures and FHA insurance on SPV certificates-Government bailout-investors of BAC ) made millions.. 

-property auctioned off XXXX - DEED of Trust recorded to Bank of America transferred XXXX after home auctioned off Remember XXXX in XXXX? 

After all these years of abuse, loss, homelessness I have continued a search for TRUTH as to what happened to me XXXX and XXXX. I was set up before I ever signed the papers on XXXX. All the players involved from the day I looked at the property located at XXXX XXXX XXXX, XXXX, MO XXXX until XXXX, all I was, was a file #, property address and property value. This enabled XXXX XXXX, all the people in between including XXXX XXXX XXXX and Bank of America to make millions of dollars off of all the " securitized pooling certificates. '' Social security number + property address + property value = revenue for XXXX and BAC Remember XXXX in XXXX? 

Not one of you saw me as a person with the hurt and pain that you put on me.

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 2015-11-10
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Continues to call my cell phone to collect a debt from someone I do not know, disclosed that persons collection account information to me. Repeatedly told them they have the wrong number and person but continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$520.00} via  Chase Quick  Pay on    XXXX   XXXX  , 2  017.  Afterwards, Chase sent me  two telephone messages and one e mail asking me to confirm that I did send the money. I called  XXXX , the number provided by Chase confirming I sent the money. Then, I got another call from Chase asking me to call Chase regarding money movement.     In the meanwhile, i found out that my chase account online access has been suspended. I called Chase asking what is going on. Chase told me that it has to verify my identity. I provided my cell phone number, Chase said it is not registered even thought I have received routine messages from Chase regarding my account. Then, I asked Chase whether it could send code to my email. I was told Chase is unable to send email.     I was told to bri ng two I Ds to  Chase  local branch to verify myself. Otherwise, the online access could not been restored. Chase does n't have the ability to send email, could n't locate my cellphone number. As the result, I have to take  two h ours of my busy life to go to local branch to verify myself.     It is time to change banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: MSW Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This complaint is against MSW Capital, LLC., I sent a certified/return U.S mail request for " notice of right to dispute '' to there business office location MSW Capital , LLC . XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent it on XXXX/XXXX/XXXX they signed for it on XXXX/XXXX/XXXX. XXXX XXXX has stated they have had this account since XXXX. MSW Capital LLC is a debt collector. 

Attached the following documents Address verification from corporation reports, letter sent to MSW Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, copy of return receipt certified US mail

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 2017-05-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing this complaint due to Equifax not responding to my request to have credit inquires removed due to them not being authorized inquires. I did not authorized numerous inquries that are showing on my credit report and I have disputed them numerous times via phone and mail. I get the same generated response a few days later. Which further tells me that they have not verified these inquires and keep sending me a generic response. I have just submitted another dispute and if this CFPB complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit is for a firm offer of credit, insurance, employment or court order.   The inquires are as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX  - XXXX   XXXX ,  XXXX   XXXX   XXXX  - XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX  -  XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am unemployed and applied for the Keep Your Home CA program ; was a few days late with my XXXX 2015 paymt to BofA when the online payment system asked for a reason I told them I was working with KYHC. They started sending me home mod./foreclosure alternative paperwork via overnight XXXX and calling me daily and sending me letters requesting documents. I repeatedly notified them of the status and progress with KYHC and was even told at one point I would only be called one time per month for a status check. I am called at least weekly by " XXXX '' and asked the same questions. I received letters from her ; most recently one stating they will be receiving funds from KYHC, but she still calls me on XXXX/XXXX/15 wanting to know when they will receive XX/XX/XXXX Mortg. pymt. I am current! I have been current. I am current on my now second mortg.! She claims the letter is auto-generated ; has no clue what is being sent from her own organization ; calls and sends letters constantly ; I am current, they will get paid as always ; Bof A will never get my property ; why do n't they spend their money playing their precious employees to spend their time calling people who are behind? Or is all of America on time with their mortgage? I reached out to Bof A 3 years ago for assistance when I fell behind due to taxes owed ; since I was not underwater, they made my HELOC a second mortg, my fixed rate a 40 yr mortg. and now I can not refinance ; but I obtain help from KYHC and I can not get BofA to leave me alone. I am current and they will not stop calling and sending me letters, that is harassment! They had NOTHING for me when I needed their assistance, what possessed them to flood me with calls and modification paperwork once I informed I was working with KYHC? Less is more apparently. I will lean toward keeping them uninformed in the future. I have zero trust in the BofA. I can not wait to get on my feet soon with a job, repay KYHC what little I will owe them, sell this property, gain the equity I have in it and never again allow BofA to carry a home loan for me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
As part of a bankruptcy proceeding any American citizen is protected by Constitutional mandate. Bank of America has decided to follow a different course of action than any other creditor pertaining to my Chapter XXXX discharge of creditors. As I have submitted, Bank of America followed through a due process on my initial dispute on the carrying of balances on discharged debts. Bank of America re-inserted balances on XXXX ( XXXX ) lines of credit since they initially placed balances at XXXX from my initial dispute. 

Bank of America must file a release of any judgments filed against XXXX XXXX XXXX immediately in the county of my jurisdiction, XXXX County, New York. 

Bank of America must show a payment history of all late payments dating back from the inception of all accounts, and delete all accounts if a late payment occurred 84 months or greater based upon the 7-year rule mandated by the Fair Credit Reporting Act. 

Bank of America my XXXX out all account balances immediately as part of the bankruptcy judicial process, since under Federal Deposit Insurance Corporation ( FDIC ) Rule XXXX, the debt discharged through bankruptcy was listed as a sub-standard debt, written off or charged off by legal statute, and applied on a XXXX SEC quarterly filing on written off debt. 

Bank of America id " Double Dipping '' by maintaining balances on XXXX set of books, after applying all legal tax remedies through a XXXX SEC filing for written off debts. 

Bank of America must delete all aspects of past accounts if the XXXX month calculation is applicable, or the accounts will be considered re-aged, an FTC violation of Fair Credit Reporting Act protocol and Fair Debt Collection Practices Act processes on legal collection practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Progressive Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency   ( Progressive Financial ) is n ot reporting the correct date of last activity with creditor therefore keeping the collection continually on my credit report. I have not had an account with  XXXX   XXXX  since    2011.

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 2017-05-08
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN forced me to accepted a  New Modification in order to hold on to my house. Due to the fact that previous MOD did n ot contained a balloon payment, however, after several court appearance ( which my lawyer that I paid, did not do anything ) and I had to pay the so-called balloon payment including escrow for  XXXX  and  XXXX .     Escrow for  XXXX  was paid and I had a surplus of {$900.00} toward the   XXXX   year.  OCWEN  would not adjust the new mod. I have paperwork from them regarding the escrow. see attachment. file :  OCWEN_letter_pg1 and OCWEN_letter_pg2  I also have a letter from them saying that I had paid the loan in full. Never acknowledge. see attachment : file  XXXX  ( My lawyer did not act upon this letter ).     I have agreed to paid the amount money they said that I owe, but it is under strong protest. However, if I have to pay it, then I will make the payments.     I just wanted to bring this to your attention.

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 2017-05-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a letter dated  XXXX / XXXX /  XXXX   that notifies me that there was a negative item added to my report.     On  XXXX / XXXX /  XXXX   I have attempted to contact Experian by both phone and their online system. Their online system is not willing to take my requests ( it is being rejected by the company ) and the phone system is not able to reach a human being in order to resolve the issue that I have currently.     Basically the company has designed a system that is so difficult to use that an average consumer would give up trying to dispute incorrect items on the report.

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 2021-12-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I forgot to pay citi XXXX and lady called me and asked me to pay. and she said she would waive the late charges if I pay it off so I paid it off but she did not waive the late charges and immediately hung upon me after I paid. I will never make payments to citi XXXX  again if this late charge does not go off.

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 2016-12-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a complaint aganist Suntrust bank in XXXX 2016. Money was missing from my bank account XXXX I went through the fraud dept and filed a case it was denied at that time I requested all documents from Suntrust that led to they denying my case. I never received the documents. I filed a rebuttal for the denial of my case, suntrust had 45 days to return a decision, on day 60 I called them no new notes were in the system then a week later they send another denial letter. I again ask for documents that explain why i was denied and documents that support why i was denied. I got the same blank form i got when i filed the fraud case. Finally I reported Suntrust to consumer finance dept. they opened a case Suntrust replied to Consumer Fiance I again ask for my documents and to this day I have never got the documents from Suntrust that show how they came to deny me. Please help me get these documents they took my money I am XXXX and this is so wrong on all levels.

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 2017-05-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For the second straight year I have been put into an  IBR pl an as that seemed like the best  option. While I was able to sustain the amount from last year ( about {$380.00} I think ),  when it increased to {$410.00} for the second year it got really hard. As a result I have missed my monthly installment twice now and am currently du  e for two payments for this month.
I called Navient on   the way to work this morning and asked for some assistance and the lady I spoke to  XXXX  pretty much told me there 's nothing else they can offer me. I questioned them about the lawsuit against them by the CFPB and she pointed me to their website of navient.comacts which seems to explain their side of the suit.     The only plan they could put me in is a revised payment plan which would bring my payments down to {$350.00} a month but in order for that to happen I 'd have to mak e a one tim e level up payment of about {$1300.00} to bring me current.     I told  XXXX  that I ca n't afford my {$410.00} payment so what made her think that I could afford a one time level up payment.     She pretty much ended the call saying they 're nothing else they can offer me and I currently have no resolution.     The problem I face is the terms of my student loan require to base my payments on the combined income of my wife and I and we have several financial obligations include family support to account for.     I want to pay my student loans until such time the lawsuit makes a determination, but I ca n't afford the amounts they are quoting me. I do n't understand why I ca n't pay them $  XXXX  {$250.00} a month as it 's better to pay something than nothing.     I need some help as I clearly can not get through to th em. Navient truly is h orrible with their customer service and it 's clear as to why they are being sued by the CFPB. I hope they get it in the end and realize that a servicer they should be helping their customers not hindering him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: United Recovery Solutions
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My relatives have shar ed VM  's from this company  United Recoveries calling them telling them that armed police officers we re coming to my home to arrest me in  4 hours if I did not respond to them, I have contacted them to see who they are, hung up on me 3 times, and the last time they transferred me to a case manager I sat on hold for over 15 minutes only to be redirected back to the operat or again. They have no sent me any notices, they have called my niece and my husband with the same message, no clue who they are or want they want

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: GreenSky, LLC
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
Green Sky fraudulently opened and charged a closed account. Please reference File number XXXX, Green Sky admitted error and credited my account. 
the account. I received a letter today that they without permission opened the account and charge me XXXX. 
Please contact me regarding resolving this issue, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12   C.F.R. 1024.41 ( f ). The lender failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) The lender has also not responded to our QWR - Qualified Written reque st sent on  XXXX / XXXX /  2017

Company response to consumer: Closed with explanation