BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: Ceannate
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Obama 's XXXX student loan forgiveness is a farce! A scam that our Government is not doing anything about. My doctor and I sent in the required documents and applied for the student loan debt forgiveness program for the XXXX. 
I received a letter of " Approval '' stating that I was approved for the XXXX program and that after a 3 year waiting period the debt would be paid off if I did not hear from them further. 
After the 3 year waiting period had passed I assumed that the debt was indeed paid, because the letter that I received stated that If during that 3 year waiting period I was disqualified for any reason I would be notified, and that " If I did not hear anything from them at all by the end of that 3 year waiting period, then I would not need to do anything further, the debt would have been paid off '' Now I have found that not only was the student loan not paid off, even though I was approved, but they have conveniently lost all of my paperwork. Wait ... let me rephrase that ... They lost any and all proof that my student loan was paid off, but they DID NOT lose the paper work showing that I still owe the student loan. Again ... how convenient! 
I have been informed that up until 2013 all of the paperwork was kept by ... NOW GET THIS ... the carrier of the loan. 
How stupid is our government officials to let the very loan company that we owe the money to, keep the only proof that the loan was paid off?!! again I say " How convenient! '' These are the people running our country? God help us! Giving the loan carrier the task of keeping all of the paperwork proving that the loan was paid off is like giving bank robbers the keys to the safe! 
I think that the 3 year waiting period was a part of the scam as well! Why? Why would they want us to wait 3 years? I think perhaps that the XXXX dollars allocated by President Obama for the student loan forgiveness program was probably put in a bank to draw interest those 3 years and counting. If this is true, where is the money made in interest? who 's pockets are lined with that money? Even more important, whose pocket is my {$10000.00} in? I was approved for the program, the 3 years waiting period has passed and in fact it has been about 5 years and I am still paying the debt! Somebody pocketed the money that was supposed to pay off my student loan, ... OR it was paid off, but the loan company is double dipping and forcing me to pay it again! This is why I hate ALL POLITICIANS! They are all crooked and dishonest!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
I paid three account off with a promised for a deletion and they took my money aa and did not delete the account jcpenny, XXXX, and lowes.

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 2016-04-21
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The lender we used to close on our home mislead us in the closing process. They continuously gave us the runaround and the final numbers on the closing disclosure were significantly different from what the lender told us in the beginning. The lender overlooked several items causing multiple delays in the closing process. We did not see the final closing disclosure until we walked into the title company. I would not recommend Coldwell Banker Mortgage to any of my friends and family. This was the most stressful financial transaction I have ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will call me at odd hours of the days and when I ask this early? They said well it 's XXXX there isint it? Or they called me at my old job on my cell and tried to tell me I needed to talk to them at work. I told them I could n't I needed to call them back. I lost my job last month and I barely got a new one. A month later. They do n't care I believe I have already paid of the debt but the emails say I havent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I contacted Ocwen Loan Servicing, XX/XX/2017. The representative told me the system will not allow Ocwen representatives access the pretender lender loan servicers account, and that Ocwen litigation lawyers are the only ones who have access, and the XXXX lawyers will contact me within 24 hours, between XXXX and XXXX, XX/XX/2017. I can not believe all the years of Ocwen Loan Servicing getting away w/ harassing me, committing fraud against me, playing games with me, using its cozy relationship w/ XXXX, using fraudulent trustee sales as a weapon leaving me with no choice other then to sign a increased none negotiable pretender lender loan servicer loan modification to save my home from XXXX fraudulent trustee sale. I do not owe Ocwen Loan Servicing XXXX a single penny, Ocwen owes me a refund for paying on fraudulent loan modifications to avoid fraudulent trustee sales during the time I was XXXX with XXXX. Ocwen needs to reimburse me XXXX of dollars for incompetent lawyers fees. My health has greatly improved and now Ocwen and its XXXX lawyers must be brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from bank of america.

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 2016-09-17
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have met all the requirements from pre-approval and final underwriting. They have stated that the max on the debt to income ratio for manual underwriting approval is XXXX % and I am at XXXX %. Other applicants with similar circumstances but a different gender, race and age where approved. I am under the XXXX % and they have denied my loan approval. They had me cancel one of my credit cards to meet their approval requirement 's, which has affected my credit. Since beginning the loaning process Movement Mortgage has known my debt to income ratio was 42 % the entire process, but has never mentioned it being an issue. I was told by the loan officer that if a different person on the loan committee did the final overview we would probably have a different outcome which is unacceptable. My life and my family 's life all depended on how one person feels about my age, gender, and race. I have my cash to close, three months ' worth of mortgage payments in reserves, home owners insurance, paid inspection fees, and the seller paid {$5000.00} towards the closing. I was conditionally pre-approved ( met all of the conditions such as closing my credit card ) for a loan amount of $ XXXX ; the contract purchase price was for $ XXXX. The seller paid $ XXXX, bringing the home purchase lower than the max on my pre-approval. Also, my mortgage payments would be approximately {$400.00} cheaper than my current rent which they are aware of. I have been renting for 3 years paying nearly {$1000.00} with no issue per my VOR. The mortgage would only be {$460.00} with about $ 200 monthly mortgage insurance, homeowners insurance and property taxes each month. I have been consistently employed for more than 3 years and I 'm currently employed as a banker. They made a huge deal out of my XXXX time ; discounting my hours worked and scrutinizing my time away from work on XXXX and XXXX ( XXXX ). Due to unforeseen issues with my XXXX and XXXX year old I had to devote some employer excused days to them but my monthly pay never showed a major decrease, if at all. They made it clear that this was a huge negative for them. I 'm also married and my husband is self-employed with a profitable business. We have a family that deserves the American dream that we have worked so hard for and we should n't have been denied this loan. They were clearly discriminating because I am a XXXX old XXXX Mother with XXXX small children ; however I am also a XXXX, with lucrative income, a solid work history, a solid rental history, and a fair credit score. Discrimination is not an option! We have to get justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a loan modification 3 years ago and have made my payments on-time for the past 3 years. During that time my lender PHH has not given me credit for making those payments. As a result their " system '' shows that I have not paid my escrow for taxes. I have paid my escrow and I have informed them of such thru numerous email, letters and telephone calls over the past 5 months. Regardless of my efforts they continue to double the amount of escrow they collect. this is causing me a hardship and they are " stealing '' the extra escrow monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been contacted by or communicated with these two companies : Phoenix Financial Services LLC and XXXX XXXX XXXX. XXXX. I first discovered them while monitoring my credit reports in XX/XX/2022. I immediately sent them a letter disputing their claims. They claim I owe {$1200.00}. This is not accurate. I owe them nothing. I have never received any services from them. I'm a XXXX veteran and receive 100 % of my medical care from the VA and have done so for the past 25 plus years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: ZIONS BANCORPORATION
State: VI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wrote XXXX checks to the United States Treasury, XXXX checks in XX/XX/2016 and XXXX check in XX/XX/2016 I will like to be able to make copies of these checks on my online bank account but they are not accessible to do so -- all other checks that I have written on my bank account are printable except these XXXX checks made out to the US Treasury. In the near past, I have had no problem with this matter and wonder why the stonewall by the Treasury Department is occurring now.

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 2016-08-31
Company: MODERN FINANCE COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This situation with MODERN FINANCE has reached the limits. ALL THIS HARRASMENT FROM BOTH parties. I 'm being harassed and targeted for no reason therefore I 'm taking all necessary steps to secure my safety by all means necessary. Another civil theft has happen by Modern Finance third party XXXX personal information was once shared with this third party without my consent. MODERN FINANCE INTERNAL PERSONEL ( Collections Department ) Stated the only way for the vehicle to be redeem was that I walk in to there location with the full amount of the debt. soon as I Began to ask questions I could not get a straight answer and then he stated that I need to talk softly to him and then he just hung up. That shows the unprofessionalism that this certain entity lacks of. This is do to the erroneous information that MODERN FINANCE failed to keep up to date, monthly statements never came how they were supposed to. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous data from Modern Finance. there for hope that CFPB can help with this situation again for the forth time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the last several years our mortgage company has delayed sending our coupon payment booklet. It is normally due to be sent out XX/XX/XXXX we didnt get it till XX/XX/XXXX before it was XX/XX/XXXX. When we call its always a hassle, to make a over the phone or online is an extra XXXX-XXXX dollars to make a payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Northland Group Inc
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to Washington three months later. After researching both Northland Group and XXXX XXXX XXXX and learning of their less than ethical practices, I felt it necessary to report their activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I paid my car loan off on XXXX/XXXX/2015, Kia Finance stated they would send me the title on XXXX. Instead, they sent it to my XXXX XXXX XXXX mother in CA ( we are XXXX on the loan to get lower interest. ) They refused to send it with tracking, and it is missing. They have refused to replace the title that is lost, leaving me no way to sell the car. They said they would send me a lien release, but offer no solution when that gets lost, and they refuse to track the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: MARINER FINANCE, LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My wife and I received a two year, same as cash loan from Mariner Finance to purchase a new television from the XXXX XXXX XXXX. We were told that Mariner Finance was going green and all information about the account could be managed from their website, not giving us, the consumer, a chance to opt out of receiving a paper statement. 

After signing up for an online account I noticed the only information on my account was my previous payment and my next payment due. I had no way to see my account balance, payment history, payoff date, etc. I called Mariner Finance to ask where to find that information. I was told that they do not provide that information on their website and the only way to find this information is to call them directly.

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 2016-07-21
Company: AMERICAN PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was mislead from the loan officer in stating and guaranteeing my loan would be approved.I was told on several occasions via text, email and phone conversations was loan was being approved however the day before closing my loan was denied. This has caused a hardship for my family and I. My loan officer also shared private personal credit information to my ex husband, real estate agent and sellers real estate agent without my consent. I feel my loan officer acted in an unethical and unprofessional manner. The loan officer did numerous, sometimes daily credit checks significantly lowering my credit score as well making in virtually impossible for me to apply elsewhere at this time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am doing the best that I can to pay off this rather small balance to a collection company. Their notes are usually very business liek until the one I received yesterday. Below is a brief section from the note that True Accord in XXXX XXXX sent to me on XXXX/XXXX/16 : " Enough delay. It 's time to pay what you owe. 

Let 's be clear : you have an obligation of {$350.00}. We 've given you many chances to work with us. 

But instead, you 've waited a long time to deal with this. Now, it 's time to fulfill your responsibilities like the adult that you are. '' This note is offensive. I admit the debt but I did not sign up for insults about my maturity or adulthood. This debt has nothing to do with either one. 

Thank you. 
XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1. Consumer contacted on XXXX XXXX for a billing which was rendered less than XXXX days ago XXXX XXXX, 2015. 2. Customer paid half the billing without even allowed to review it. Address change and move to new address happened on XXXX XXXX, 2015. 3. Agency was given new address and consumer still has not received billing. Agency refused to identify its license number or forward calls to upper management or give email address for complaint and resolution. Credit Management Associates advised that the invoicing would be stayed for XXXX days and this has not happened as of XXXX, Full name of all management personnel refused access. Violation of and inappropriate contact for a {$68.00} with which {$34.00} was paid pending receipt of invoice. Collection Personnel not allowing access or refusing to take message is XXXX XXXX. Mgr who does not take calls are XXXX XXXX and president who does not answer or take calls is XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XX/XX/2016 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.

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 2015-03-23
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged overdraft fees on my checking account, when at no point did I have insufficient funds to cover transactions. In fact, the fees charged are what caused the overdraft. When I called to speak to customer service, I was put on hold for 23 minutes at which point I hung up. I then called my local branch ( XXXX ) and was told by the individual on the phone that according to the " dark side '' the posting of the transactions and fees caused the overdrawn status. I want the {$140.00} back that was taken from me. My on line banking does not show any negative balance at all, funds were sufficient, so I am unsure as to what " dark side '' the individual was referring to.

Company response to consumer: Closed with monetary relief