BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from Credit Collection Services, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to XXXX, also known as XXXX ( according to XXXX ). In XXXX of XXXX I called XXXX at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX XXXX. In XXXX on XX/XX/XXXX I received another collections notice from XXXX and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from Credit Collection Services for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure CCS refunds my husband 's XXXX XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. PHH Mortgage ( XXXX, NJ, XXXX ) recently took over my Mortgage / Servicing. 
2. PHH has taken a flurry of actions ignoring the documents I have submitted so far. Specifically : a. Increased my need for Flood insurance unilaterallyb. Purchased additional insurance on my behalfc. Initiated an ESCROW account3. All the above without giving me due notice. All the while ignoring all my communications with them ( email, mail, customer service phone calls ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My wife applied online for a credit card from Capital One and was approved. She has XXXX other Capital One Card and I have XXXX, that we have used for several years. The personal information provided for this new card is the same as the information on file for those other cards. When we received the new cards in the mail I went online to activate them but was told the cards had been restricted and I needed to call XXXX. I called the number and was transferred to the Fraud department. The agent I spoke to said there was suspected fraudulent activity and my wife needed to provide some information. My wife got on the phone and answered all of the questions asked, confirming that there was no fraudulent activity associated with this new card. The Capital One agent then told my wife that to lift the restriction she would need to send them her Drivers license, Social Security Card, and Birth Certificate. My wife refused and handed the phone back to me. The agent repeated the demand to me, at which point I told her that was never going to happen, this was way more trouble than it was worth, and to just shut the card down. The agent then told me " the card will remain open and restricted, and we will negatively impact your wife 's credit score until you provide those documents ''. At that point I ended the call. The three documents Capital One 's fraud department is asking us to provide are the three best documents someone would love to get a hold of to steal an identity. Their fraud department is asking us to put our identity at risk. Threatening my wife 's credit score if we do n't provide the requested documents is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This will be my second complaint about Planet Home Lending, they can not seem to process payments correctly. After my loan was purchased from my original lender, extra payments were not applied to the principal they were put in a " hold '' account until a full payment was reached, then applied, after numerous calls with no results, I filed a complaint with the CFPB, # XXXX, that seemed to have solved the extra principal payment problem.Now after making my regular mortgage payment for XX/XX/XXXX, by chance i logged on to my bank account todayXX/XX/2016 to find that the payments were returned to my account. After calling the lending company they informed me that they changed there billing system and my payment was kicked back? They never notified me that there was a problem with the payment, if i would n't have checked my bank account my payment would have been late. They did accept my payments and wave any fees involved with paying over the phone. But for a company to change THERE billing system and not notify the customer that something may be wrong because of a change THEY made is ridiculous. The CSR told me they notified my bank, well that 's nice but I am the customer, not my bank. Through my dealings with this company I see them nothing more as a shady operator trying to make money on late fees caused by THEM and interest on extra principal payments not applied to the account until a full payment is reached, as in my first complaint about them.

Company response to consumer: Closed
Consumer complaint received 2015-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Describe what happened so we can understand the issue ... 
This is my SECOND complain about Bank of America. I did contact my bank several times about cancellation MIP but they refused to do so even after my first complain to your agency which I submitted on XXXX/XXXX/XXXX. Today I received phone call from XXXX XXXX Resolution Specialist Regulation Complaints Bank of America. He told me that he can not cancel MIP because of my outstanding balance. I bought my house on XXXX/XXXX/XXXX when it was appraised as of XXXX/XXXX/XXXX at {$210000.00}. Per FHA REGULATION my MIP MUST be automatically canceled " WHEN THE LOAN-TO-VALUE RATIO REACHES XXXX % OF APPRAISAL VALUE BASED ON THE ORIGINAL AMORTIZATION SCHEDULE ''. ( see attachment ). Which means that XXXX % from {$210000.00} appraisal value ( see attachment ) is {$170000.00}. On XXXX/XXXX/XXXX my balance was {$170000.00} but on XXXX/XXXX/XXXX my bank again charge me {$130.00} of MIP. And after my complain to your agency on XXXX/XXXX/XXXX they charge me again on XXXX/XXXX/XXXX {$130.00}. 
I am a citizen of this country and I refused to be ABUSED by Bank of America and their employers who stilling money from hard working people. I will never stop complaining until bank of America return my money. I will go to a media, I will get a layer, I will reach FHA loan administration and let them know how Bank Of America abused their power and stilling money from people. And after that I will take my mortgaged to a different bank.

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 2016-10-04
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The borrower lives in a house that her deceased mother took out a mortgage on. The property is titled in the borrower 's name, but the mortgage is in her deceased mother 's name. The borrower currently has a foreclosure action pending against her in XXXX County, Florida. 
The borrower was offered a permanent loan modification in late XXXX 2016. The borrower executed the permanent loan modification on XXXX XXXX, 2016. The borrower 's attorney sent XXXX executed copies of the loan modification to the servicer 's point of contact, XXXX XXXX of Seterus, on XXXX XXXX, 2016 via certified mail return receipt requested. 
XXXX XXXX then asked the borrower to submit a death certificate for the executor of her mother 's estate. The borrower 's attorney faxed and mailed a copy of the death certificate to XXXX XXXX on XXXX XXXX, 2016. 
The borrower 's first payment under the loan modification was due on XXXX XXXX, 2016. The borrower made her XXXX XXXX, 2016 mortgage payment. She also paid her XXXX mortgage payment. 
Seterus is sending the borrower correspondence dated XXXX XXXX, 2016 stating that the loan is delinquent and the XXXX XXXX, 2016 payment through the XXXX XXXX, 2016 payments are outstanding. Seterus also sent the borrower a mortgage statement dated XXXX XXXX, 2016 stating that he amount due is {$16000.00}. 
The borrower 's attorney filed a motion to dismiss the foreclosure action with the court. However, a new foreclosure sale date has been scheduled with the court for XXXX XXXX, 2016. The borrower 's attorney has contacted the Plaintiff 's attorney several times regarding resolving this issue, but the Plaintiff 's attorney says it does n't have any record of a loan modification being executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America is at it again with their overdraft fees. I check on my account at least every other day. Sometimes I do not have access to a desktop and use my mobile banking to check balances and such. They have created a new trick which allows you to see your " account balance '' on mobile devices but apparently it 's not a true balance. I.E : the statement page shows a balance of {$25.00} but at some point over the last 24 hours unbeknownest to the customer, a debit will have hit the bank ( I know that occasionaly my auto bills will come a day or XXXX early without warning ). Bank of America hides this information on a page that is not available through mobile banking and even on the desktop is difficult to find. They then wait until they have extracted their {$35.00} fee to even send an alert giving the account holder no fair warning to be able to put funds in before the item causing the fee posts. I received an email at XXXX today, checked my account, showed an available balance of approx {$50.00} after the supposed insufficient item that triggered the fee but on their other page which is conveniently not readily available, it shows differently. This secondary tab also shows " available balance history '' and " statement balance ''. In other words, the balance that they give you ready access to through mobile and first sight on a desktop is completely different then what they claim your balance is. I.E : my available ending balance on the " hidden tab '' is $ XXXX but my statement ( what I can see when checking in on my mobile device and the first screen on my website ) is {$51.00}. They deliberately hide your true balance, do n't send notifications warning of insufficient funds until the middle of the day after they have already hit you with a fee and do n't give you opportunity to get funds deposited before taking their fee ( e.g XXXX sends an immediate alert and gives you 24hrs to deposit funds before charging a fee ). I have lost over {$100.00} with this sneaky practice over the last year. I am pretty diligent about making sure money is there to cover bills but occasionally a company will post early without my knowledge creating this nightmare. If I had visibility to it when it happened and had a chance to deposit funds, there would never be an overdraft fee but as usual Bank of America has found another way to steal money off their customers.

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 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the course of my 11 years having a mortgage with Bank of America, the bank has looked for every way under the sun to continue to unfairly collect escrow payments for my homeowners and flood insurance. Over 2 years ago, I requested that taxes and insurance be removed from escrow, and XX/XX/XXXX, for the first time, I was able to directly pay my homeowners premium, flood insurance premium, and taxes. XX/XX/XXXX, I received a bill from XXXX for my XXXX FEMA flood certificate, which I, directly, paid in full on XX/XX/XXXX, renewing my coverage a full month before it was due to expire on XX/XX/XXXX. One week later, BofA called my insurance agent stating that I had a gap in flood coverage and they needed proof of insurance. My agent sent proof of insurance twice. Note that at the time of their query, my XX/XX/XXXX policy was STILL in effect, and I had already paid my XX/XX/XXXX renewal premium. On XX/XX/XXXX, XXXX issued me a refund check for the cost of the premium I paid, stating it was a duplicate payment. BofA did not notify me that they had sought & paid for coverage from XXXX on my behalf, nor did they inform me how much coverage was purchased, nor at what price. BofA later issued a letter to me stating that I now owe an additional {$210.00} per month escrow to cover the cost of the Foremost coverage. The coverage I directly purchased cost only {$1300.00} in total, or about {$110.00} per month. The letter still did not explain to me the details of the coverage BofA purchased on my behalf. 
Over the course of 3 years, I have now twice been wrongly charged for insurace gaps BofA claimed I had in coverage. In the first occurrence XX/XX/XXXX, I refused to pay the additional escrow until the dispute was settled. BofA collections began to call me - a 10 year customer at the time, with not one single late payment on my record - and aggressively threaten to ruin my credit over a dispute of less than {$100.00}. This most recent occurrence is the most deceptive attempt to retain my money in escrow for their use. I have worked with at least XXXX other mortgage providers in the last 17 years of home and investment property ownership, and BofA is the only one to have employed such blatantly deceptive and aggressive tactics to take more of my money for their use.

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 2017-03-30
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient called my workplace and one of my supervisors answered the phone, speaking with them briefly. He asked them not to call me at work and informed me that the " student loan people are looking for you again. '' A year ago or so, after I had instructed them to never contact me at work, but only my cell phone, Navient assured me that they had deleted the work number from their system and noted that I was to never be contacted at work. On my break, I called Navient, and the representative I spoke with confirmed the note that I was to never be contacted at work and that the number was flagged for deletion but that it had never been deleted from their system and she had to seek help from a supervisor to remove it. 

Navient has been sending multiple bills, both for old closed loans that had been reconsolidated with the Department of Education, and the newly consolidated loan with amounts and due dates that differ, making it appear that I owed not {$150000.00} but rather {$310000.00}. The representative confirmed that it still appeared that all the loans were active, but told me to disregard some of the statements I 've been receiving, and by the end of the call said that my account had been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I 've contacted Navient and have spoken with XXXX XXXX XXXX with their Office of the Customer Advocate on numerous occasions about the inaccurate reportings on their behalf to all XXXX bureaus and he refuse to comply with FCRA guidelines in regards to the deletion or correction of such inaccurate reportings. XXXX XXXX, who is representing Navient has communicated through written correspondence facts that support that they are reporting inaccurate information, as well as, reporting conflicting information to each bureau as well. They have exceeded the duration of time given through the FCRA and I am requesting your assistance in holding them in compliance of such federal regulations. Also please note that a formal dispute was sent to them by certified mail and neither Credit Bureaus conducted a proper investigation if so the information would have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a loan on a piece of property on the Florida XXXX XXXX with Wachovia. Wells Fargo bought Wachovia, so the " lot '' loan transferred to them. After the real estate market crashed, the loan was up for renewal/refinancing in 2012. Obviously, it was upside down. We initiated contact with Wells Fargo on refinancing and they insisted we come up with $ XXXX and they told us they were going to increase the interest rate to 6+ percent ( rates were 3 to 4 % at the time ). We had perfect credit, with scores at or above XXXX. We explained that we were happy to continue paying on the loan but could not come up with the $ XXXX cash they needed. " XXXX '' informed us if we just did n't pay for 60 days then the loan would go to a different committee that would be more flexible. We followed his advice. At 60 days, after many phone calls initiated by us, we finally reached a lawyer that said they were about to initiate foreclosure proceedings. She was surprised to hear we were still willing to make ( full ) payments and had informed Wells Fargo of this. We explained everything we had been discussing with XXXX and she informed us he was on leave. She advised we could continue to make payments at 0 % interest, no foreclosure, and they would just take the loan " off-ledger. '' Although we had never heard the term " off-ledger '' we agreed. Since that time, for over 4 years, we have made every single payment. However, our credit report shows as if we have not made a single payment for 4 years and looks the same as if it is foreclosed. We have written letters -- to no avail.

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 2015-06-15
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My ex-wife and I refinanced our home in 2008, and I believe the appraised value of the house was inflated to get the loan approved. As a result, we have not been able to refinance since more is owed on the house than it 's worth. I have previously submitted a complaint here, but Wells Fargo did respond but could not do anything to lower the interest rate which is currently over 6.5 % I believe that I did n't include the key point that the mortgage broker that we originally used appraised the property at $ XXXX, which it never should have appraised for. Wells Fargo bought the loan, put it in their securitized mortgage portfolio and that 's where it sits. The loan is n't eligible for the government refinance programs out there because of this, and Wells does n't want to do anything to help us because they are making a ton of money. Is there any way to look at this from the appraisal perspective?

Company public response: Company 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: WA
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:
When I finished my XXXX and first started as a XXXX, I received a notification from XXXX XXXX ( later Navient ) telling me I needed to start paying on my loans. I called them up and asked what my options were for limiting payments while still making very little as a XXXX. I was the single wage earner in a household of XXXX ( myself, my wife, and XXXX young children ) .They told me to apply for deferral and did n't explain any other options. Later when I XXXX at the same university, I could no longer qualify for deferral and my marginally larger salary caused me to seek out other options. I learned that they should have recommended I apply for IBR because with my XXXX salary and family size I would have owed {$0.00} per month anyway under several of the income based repayment plans. Those 2.5 years as a XXXX would have counted toward the 120 months of the Public Service Loan Forgiveness program. Now I am a XXXX and could be 60 payment into the PSLF, but because I feel they guided/pushed me into deferral I am instead only 30 payment into the program. 

I once tried to contact Navient via email, mail, and telephone to try and see if the extra 2.5 years could be counted toward the PSLF program but never received a response to my inquiries.

Company response to consumer: Closed with explanation