BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I relocated from XXXX to XXXX in XX/XX/2020 and opened new savings and checking account at Chase Bank on XX/XX/2020. I informed the relationship banker that even though my ID had a XXXX address, I wanted my XXXX address as my communication address and I provided my copy of my rent agreement for the proof. Even I received my Debit card at my XXXX address. When my husband tried to fund my accounts from his bank account, chase blocked my access to my bank account. When I contacted the Bank, they informed me that they have decided to close my accounts unilaterally, and there is nothing I can do about it. They also informed me that my balance would be sent via checks to my address. First, they sent my checks to my XXXX address, which was returned since I was not living at that address. When I contacted them again, they informed me that I need to go branch for physical verification, which I did more than one month ago, but still, I did not receive any refund from any of my accounts. I am helpless, and I don't know what to do to get the money back. This whole process has cost me a lot of money and agony.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, my automatically withdrawn monthly mortgage payment, to Wells Fargo Bank, was made. With this payment my mortgage balance was reduced to {$150000.00}. This reduced my balance, on my home valued by Wells Fargo 's own appraiser at {$200000.00}, to XXXX % LTV. I requested in writing the removal of PMI from my account because my balance was less than XXXX %. On XXXX XXXX, XXXX, Wells Fargo responded to my request by arbitrarily reducing the value of my home to {$170000.00}. They did this without an appraisal of any kind and they did it for the sole purpose of being able to continue to charge PMI on my account. This {$170000.00} figure is less than the amount of my original loan, XX/XX/XXXX, and is far less than their own appraisal of {$200000.00} which was made after I had added over {$40000.00} worth of improvements. 

These people have blatantly failed to comply with the requirements of the Homeowners Protection Act.

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 2017-02-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My name is XXXX and I was a previous student at the XXXX that was shut down on Tuesday XX/XX/XXXX. I XXXX with my XXXX XXXX degree in XXXX in XX/XX/XXXX. Since attending the school I have obtained {$100000.00} of student loan debt from private loans and Federal Government loans. While attending the school I was promised and guaranteed that I would be able to obtain a job that would make the same amount of money that I invested into the school. When I was attending the school the Financial Department never went over the terms with me and how much money was being financed for the courses. Also the Financial Department denied me each semester of Financial Aid which was observed because I only made less than {$40000.00} a year. At the time I was living with my parents due to XXXX difficulties. 

The second vendor that XXXX was associated is with Navient. With Navient I owe {$75000.00}. With Navient I have XXXX different forms of loans. The first forms of loans is called Subsidized and Unsubsidized loans. The Subsidized/Unsubsidized loans are provided by the Government. The second portion of the loans is called XXXX. The XXXX is provided by Navient. After researching the open loans Navient opened in my name there is XXXX in particular in which they claimed I went to XXXX in XXXX. The school was taking loans on my behalf without letting me know in areas I have never been. That portion of the loan I owe is {$22000.00}. When I called Navient and ask them why there is a loan taken out in my name for the XXXX in XXXX that they are not sure but they told me that I am required to pay it. I never been XXXX and never attended school in that location. The only XXXX I attended was in XXXX VA for my XXXX. Next I attended XXXX, VA for my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: CA
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 graduated with my XXXX in XXXX XXXX in XXXX XXXX and have been working in XXXX since my graduation. I expected after my first 10 years of working, my school loans would be forgiven under the Public Service Loan Forgiveness Program. I consolidated my loans through Navient and paid {$1000.00} - {$1000.00} a month starting XXXX XXXX and was never late on any payment. I overpaid on student loans and should be 3 1/2 years into the proper repayment plan to be considered for Public Service Loan Forgiveness Plan. 

I was told multiple times before XXXX not to turn in my PSLF Employment Certification Form unless I changed jobs because there was no need to do anything. In XXXX XXXX, I turned in the PSLF Employment Certification because I changed jobs in XXXX XXXX and I wanted my ex-employer 's form to be in the system. For the first time ever, I was told by Navient that my loans should be serviced by XXXX if I was doing PSLF, even though I had spoken with them about it on several occasions. For the first time, I was also told that I was in the wrong plan. I was told by a Navient representative that I should be on an income-based plan and my payment would actually be more than {$300.00} lower a month. 
In XXXX, XXXX, I transferred to XXXX and I was placed on an income-based plan. I now pay {$720.00} a month. 
I have documents showing that I was in the 10 year repayment plan and I was told multiple times that I was in the 10 year standard re-payment plan which would have still made me eligible for Public Service Loan Forgiveness. I was told by Navient that the income- based plan was a much higher amount, which I could not afford. This did not make sense to me but I was told that my representatives from Navient so I believed them, and I was told that I was in a proper repayment plan for PSLF. However, XXXX is now saying that I was in the wrong plan and wo n't give me credit from XXXX for my Public Service and payments, even though I was making less back then and paying {$300.00} more a month than I pay now. I have documentation from, XXXX XXXX, XXXX, showing that I was in the 10 year plan. 

I over paid my student loans by over {$3600.00} a year because of Navient 's misrepresentations to me since I would have qualified for an income-based plan. Also, my Public service should have been counted from XXXX, regardless of what payment plan Navient placed me in because I paid more than my current income-based plan, and I was told and have documents showing that I was in a proper payment plan for PSLF. 
My wife also had a similar experience with Navient and is filing her own complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: The Bureaus, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May concern : I have sent multiple rounds of letters to your company requesting that your company please verify the accounts that are being reported on my credit report as delinquent. The first letter was sent out via certified mail XX/XX/2020 and was received XX/XX/2020. Your company has failed to provide me with any signed documentation with my signature, only a summary of a debt that your company claims that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America began putting holds on all of my deposits for the last 2 weeks of every month. I called them every day to get those holds released, and got different answers each time, from " sure, right away '' to " this is the last time we 're ever doing this for you '' to " we ca n't do anything about this, you just have to wait ''. I 've wasted at least 20 hours total over 3 months calling them to release holds. XXXX of these holds caused a payment to bounce to a charge card, which caused XXXX XXXX to impose a limit on that card, which previously had no set spending limit. In XXXX, they went a step further. They put a 10-day hold on a deposit, and then retroactively placed holds on all deposits from the previous week, which had already posted to my account, overdrawing my account by roughly {$2500.00}. They then bounced every payment that came in, which caused late payments to creditors and returned item fees. Some of the payment accounts charged a separate returned payment fee, which also bounced, and I now have XXXX accounts that are in collections. Bank of America then charged me NSF fees of {$35.00} per transaction 4 times a day. The hold notice I received said that any fees would be credited after the holds cleared, but that I would have to call them. When I called them, I spent 45 minutes on the phone, most of that time on hold, waiting for the agent to " see what she could do '' about this, and " not guaranteeing anything ''. Multiple times agents made promises that someone would call me back by the end of the day, and none of those promises were ever kept. Ultimately the fees were credited. But the effects remain : a charge card with a new limit that restricts my ability to operate my business, delinquency reports on my credit report for late payments as a result of overdrafts, 20+ hours of wasted time, accounts in collections, and literally hundreds of dollars in fees incurred as a result of Bank of America placing holds on my deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.

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 2016-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is using a third party law firm XXXX , XXXX XXXX XXXX, XXXX. to bully and threaten me into foreclosure while not addressing and avoiding issues with my mortgage. I have a contract for sale on my home and have been ignored by Bank of America. Furthermore, the Bank has promised one point of contact which I do not have.

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 2015-06-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter no longer went to the facility for childcare and they still ; continued to charge me even after she was no longer attending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
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 decrease my monthly payments

Complaint:
Loan rates have become so high that the loan is difficult to pay. Even by making a good wage, the interest rate has stacked the payments so high, it becomes difficult to find alternatives other then deferments in order to pay for rent or food. The lucrative appeal of deferment is the only option I can work with but in only tacks on more to my loan. Even through working with repayment plans, the monthly payment was no different to my current payment plan and it did n't impact any part of my interest rate significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out a private loan in order to attend XXXX XXXX XXXX. I did not know there was a difference between private and federal loans. I graduated ; however, I have not been able to work in the culinary field as the pay was lower than I expected to receive Also, now my payment is {$700.00}. When I was on an income based repayment plan, the payment was only {$320.00}. This is hindering me from a lot of things right now. 

Also, our class went 1.5 weeks of no instruction for a 3 week course. I tried to get the class to come together and complain about it but they were not willing to. So I submitted a letter to XXXX XXXX for them to dispute it on my behalf. When I wrote my initial letter, I stated to them that I would like a refund of that portion of the tuition and that did not have time for tutoring as I worked after school. They denied the request for the reimbursement and offered me tutoring. I reminded him I stated in the letter that I had to work and did not need tutoring. They ended up giving me a store credit for the amount they owed me in tuition. Now I am stuck with a {$63000.00} private loan student loan debt at {$700.00} a month. I am unable to live in better living conditions with my family. It is the biggest bill in my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have been arguing with Bank of America over the balance due on our Mortgage for over Three ( 3 ) Years. They refuse to correct the errors and continue to assess unlawful charges and fees. Furthermore, we have a fixed rate and they send us a different amount to pay regularly.

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 2017-02-08
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I incurred this debt on or after XX/XX/XXXX for approximately XXXX. At the time, I was employed with XXXX and my intention was to repay the debt through work as it created through advance use of leave. When I transferred to XXXX, MO, I lost my employment with the XXXX due my transfer request being denied. That left me with the afore mentioned debt. I was contacted by the department of treasury regarding the debt and I explained my financial situation to them and they said they would n't pursue collection action. Last week I received a call from a company named CBE and again today. I explained financial situation and my conversation with the Dept of treasury but, they continue call even though my financial situation has n't changed. The person I spoke with threaten to offset a social security benefit that I do n't receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent Outsourcing, Inc. is trying to collect a debt that I supposedly owe XXXX XXXX, XXXX. I do not nor have ever had any services provided by XXXX XXXX. I have sent them a letter explaining that the debt is not mine and that someone did steal my information. I requested that they remove it from my credit report but that hasn't been done. 
Please help me get this situation resolved. 

Thanks in advance for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had this mortgage for 10 years and never carried an escrow, I have paid all taxes and insurance on my own. In XXXX XXXX Ocwen attempted to collect insurance, after much hassle and phone calls I had to prove that I had a good policy with XXXX, Ocwen continued to insist that I had to pay insurance a year in advance. In XXXX XXXX Ocwen put an escrow onto my account without contacting me. My county offers a payment plan which I took advantage of, Ocwen decided to make all taxes due despite this. I received my check for tax payment back from Ocwen. After 8 phone calls I finally just paid all taxes and fees to avoid late payments and an escrow. At this time I was told that this " WOULD NEVER HAPPEN AGAIN ''. Two weeks later-it happened again. I called Ocwen and wa told that I had delinquent taxes, i was very concerned so I called my county tax office and confirmed that I did not have any delinquent taxes, nothing due until XX/XX/XXXX. I again called Ocwen and they insisted that the XXXX taxes were delinquent and I owed them another escrow in full. I was then transferred and was told they would " research '' and call me back-16 days later. I waited and was again told that they needed to research further and again told my taxes weer delinquent. Mind you, I had not even appraoched the due date yet. At this time I asked " what should I do? '' and was told, " do n't do anything, this is Ocwen 's error and we will fix the unfortunate situation ''. Weeks passed and I kept calling, same response each time. In the meantime I am incurring late fees, property inspection fees and certified mail fees. On one day I was charged 11 times for certified mail, another day 7 times. I have NEVER received even one certified letter! Multiple inspection fees on one day also. I have called almost 100 times, I have sent multiple letters and emails. Yet today, 5 months later XX/XX/XXXX, I am still being told that I had delinquent taxes and I have to send another letter requesting that my account is researched. I do n't know how to prove that XX/XX/XXXX comes before XX/XX/XXXX except to send Ocwen an American Calendar. I have even said-ok how much can I pay to resolve this? The reps refused to give me a dollar amount. They would not let me give in and fix this. Any internet search shows how historically deceptive Ocwen is. Why are they still allowed to be in the business of taking homes from hard working people?? I have been told by XXXX reps that no foreclosure proceedings would take place but again that was deceptive and they are now threatening foreclosure. Please help to rectify this very stressful problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$2500.00} done on my card by XXXX charged twice on XXXX/XXXX/2015 and XXXX/XXXX/2015, total of {$5000.00}. They contacted me by an unsolicited phone call they promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote XXXX website.They kept saying how important their services were and would bring traffic to my website. was their Supposedly leads and visitors to website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.

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: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been dealing with navient for almost two years and they are the worst when it comes to customer service. No one there I have spoken to have ever been on the same page and ca n't ever tell me what I owe exactly. I have tried to get them to work with me in lowering my payments but instead I was told I would have to pay the amount I 'm paying. I was approved in XXXX to defer my payments till XXXX and I still got collections letters in the mail from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a number of accounts with XXXX. Last year when I was downsized because of Covid, I called the company and explained I was out of work and needed help because of Covid. They very nicely told me I didn't have to make a payment. Now they are showing I am behind on making payments and are closing any open cards I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I attempted to withdraw my funds from Coinbase of {$320.00} and after 10 days they have not submitted the funds to my bank account nor are they available to speak to. The only responses I have gotten from them are via email where they claim " we are looking into it ''. Apparently Coinbase has done this to thousands of people now. How are they allowed to continue operating?

Company response to consumer: Closed with explanation