BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX/XXXX/16, I called bank of America to change my platinum plus rewards card to a travel rewards card. The rep that I spoke with said that I had to open a travel rewards card and transfer the credit line from the old account to the travel rewards account once I got the card. The rep explained to me that the bank viewed my account as a whole credit line and not as separate accounts. The rep said that when I got the travel rewards card that my account credit line would be slightly reduced by the amount of the credit line that they gave me on the new card. but, he stated that once I received my new card, I could call in and have the entire credit line moved from the old account to the new account and I could close my old account. 

On XX/XX/XXXX I received my new card and proceeded to call Bank of America to transfer my credit line but was told by the rep that I was unable to do that and that I could only do it once my balance was paid off or paid down enough to transfer the amount due. I told the rep that that was not what I was told when I opened the account. So I spoke with her manager, XXXX and she said that she could n't do it as well. But she did open a case XXXX and said that she escalated my problem and that they would investigate it and give me a reply by next week. I told her that I believed that her bank committed fraud by promising one thing and not delivering once I opened the new account. I told the manager I would file a complaint with the ftc.

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 2016-06-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN has been making repeated robo-calls to our home. Caller ID shows " Toll XXXX XXXX '' -- no mention of OCWEN. When someone picks up the line a recorded voice says to " stay on the line '' and some seconds later an operator comes on and asks for me or my husband. When I ask who it is they say " OCWEN a debt collection agency ''. Then they ask for my social security number! 
We are NOT behind on payments, and never have been. We refinanced our mortgage through XXXX in 2013 XXXX then through GMAC to get a lower interest rate. Apparently they sold the loan to OCWEN?. Now they are saying they need to " update their records '' via an unsolicited, unidentified phone call " for the trust ''????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I owned a home that Litton Loan was the mortgager in XXXX when I settled the debt. Ocwen Loan Servicing who bought Litton Loan has been reporting that I had a loan with them that was settled in XXXX and was 120 days past due at that time. This is an excerpt from my XXXX Credit Report... 
XXXX Account name OCWEN LOAN SERVICING XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Mortgage Terms 30 Years On record until XXXX XXXX Recent balance Not reported Credit limit or origi- nal amount {$120000.00} High balance $ 0 Monthly payment Date opened XXXX Date of status XXXX First reported XXXX Responsibility Individual Status Paid in settlement. 
Comment Account paid in full for less than full balance ________________________________ I have dispute the validity of this reporting with the credit bureau but they have said it was verified as correct by Ocwen. I have been calling and corresponding with Ocwen for the last several months, requesting that the provide documentation via original loan documents, settlement statement, payment history, etc. However, when I call they are unable to verify that I or this loan exists in their records. I have provided per their request full name of borrower ( myself ), property address, original loan number ( Litton Loan ), social security number and my current contact information, as well as a copy my credit report showing their reporting. I have provided this via phone, US mail and email yet they insist there is no record of me or this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I took out student loan with XXXX. It was for XXXX. But after about 3 weeks and XXXX allotment of XXXX was paid to school I got JOB with XXXX and no more money should have gone to school. I ignored it, then in XX/XX/XXXX is was injured at work and was placed on XXXX and my income dropped below poverty line and in XX/XX/XXXX I took XXXX loan discharged from XXXX. Then in XX/XX/XXXX XXXX XXXX started billing me for total amount of loan XXXX. I sent copy of discharged loan then XXXX and XXXX bought loans and they have been reporting on my credit report and ruining my credit. They continue to call me every morning eastern time. I live Pacific time. I have reported to XXXX and they show XXXX balance as it should and then it shows XXXX with late payments and XXXX balance. I also reported FRAUD against school

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a rental property in an area that has over XXXX rentals on the market, I have placed the property for sale, have contacted my mortgage company and am behind on payments. I do not wish to keep the property and am doing the paperwork for a short sale. My question is how long will a short sale negatively influence my credit vs. a deed in lieu? The mortgage company is telling me it is the same, XXXX years, but to check with a credit agency. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On Tuesday, XXXX XXXX I received a text alert from Bank of America warning me about a low balance. When I checked my account activity from the weekend, I noticed XXXX cash withdrawals made from XXXX ATMs in XXXX. 

The ATMs and amounts withdrawn were : {$44.00} ( includes ATM fee ) from XXXX XXXX XXXX XXXX, XXXX Texas - XXXX {$300.00} ( incldues ATM fee ) from XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX I tried calling them immediately, but since XX/XX/XXXX was on Monday, I had trouble getting through since their holiday message kept playing ( despite it being Tuesday & business hours ). I signed into my online account and locked my card. 

Finally later in the day I was able to get in touch with them. I let them know I 'd been involved in a car accident on Friday and on Saturday, when the withdrawals were made, I was home all day recovering. Bank of America opened a claim and said they would investigate. I asked them to please check the cameras. 

In the meantime they issued a temporary credit for the amounts withdrawn as well as the ATM fees ( they were made at non-BoA ATMs ). My debit card was still in my possession. 

When asked to answer some questions and submit claim documents online, I provided them with a statement of my whereabouts as well as geolocation proof from XXXX XXXX demonstrating where I was when it happened. 

On Friday, XXXX XXXX I received a response that my claim had been resolved. When I signed on and viewed the letter, I was informed that my claim was being denied. 

I followed up with their claims department and was told my claim was denied based on the following : The person who withdrew the funds knew my pin number. Since there was no pin error, it was n't considered fraud. 
The person who withdrew the funds only did so twice. Since it was only twice, it was not considered aggressive behavior. 
The person who withdrew the funds did not deplete my account to {$0.00}. Since they did n't completely empty my account, it was not considered fraud. 

I was informed the temporary credit would be reversed since they saw no signs of fraud. 

I 've filed police reports for each withdrawal.

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 2016-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted XXXX accounts to Equifax with my police report and notarizes affidavit and will not remove the accounts off my credit. XXXX and XXXX have removed. Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
The regulatory complaints team that represents the Home Equity Line of Credit application from my lender is failing to do their due diligence concerning my application. Their whole argument rest on information which they asked of a TransUnion consumer rating agency service recommendation. Is the bank too lazy to do their own job correctly? When I reported the death of my spouse, the bank promptly stopped automatic money transfers from my joint account, thereby triggering a delinquency as stated in the XXXX report. The bank goes further to perpetuate their own incompetence by inferring that the agency 's reporting played no part in their decision. But to the discredit to their own inability to give an example to what specifically they found ... They say we are unable to supply specific reasons for their decision. 
I have had only XXXX payment delinquent. I have paid cash for most of my purchases with just a few charges to my credit card. Since my spouse died I have refrained from using any credit that was in both our names to prove I have changed to a single person status. My belief is this example of unlawful discrimination is based on arguments I have had with personnel at the loan processing center at the bank. This person is on record as being rude on the phone with me as a consumer, and I question whether his personal feelings attributed to the denial in assessing the loan. His name is XXXX, XXXX # XXXX, because he has not investigated beyond looking at a simple credit score. I do n't know what they pay him for if not to due an investigation of assets that I have, which total over XXXX. 
The regulatory complaints team headed by XXXX of Bank of America should be ashamed of the performance they have added to this violation. In a letter finalizing their contact with me they submit XXXX proof of evidence, which was a denial letter written by XXXX. That 's hardly a testimonial, and a lack of due diligence of taking the task of reviewing the findings beyond a cursory information letter, standard practice for an institution that marginalizing the individual and denies the public equal protections under the law.

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 2016-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
the bank of america locked my card for unusual activity ... ..i was unable as they stated to fix the issue online ... .so i called the number and was on hold for 30 minutes ... .the operator apologized for the wait and said they are going to be hiring more operators so people dont have to wait. I worked it out with him and he unfrozed the card. I used the card an hour later to order an ac unit that i very much need for health reasons. The card was declined because it was locked ... .i then once again got a text message on my phone that the card was locked for unusual charges! I am on hold again on the phone Bank of America Security Alert Debit card ending in XXXX Unusual debit card activity detected ... XXXX ( 2 hours ago ) Bank of America XXXX XXXXXXXXXXXX XXXX ; XXXX PM ( XXXX minutes ago ) after being on hold again for XXXX mins i was told by the operator that my card was opened and then closed an hour later ... .because it didnt recoginize a XXXX dollar charge to XXXX. as a result my charged was denied and an ac unit i needed here in ny importantly because i am XXXX would no longer be delivered to me on friday but instead have to wait till monday! in addition some guy discussed with me for almost 40 minutes to say if there is a XXXX dollar difference i could get that from the bank ... .it weighs XXXX pounds and what an insult to keep me on the line just to waste my time total phone time 2 hours and a health risk for a stupid bank system please do something!

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 2016-10-06
Company: Navient Solutions, LLC.
State: NV
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 feel that I have been a victim of the Fair Debt and Collection Practices Act as well as the unauthorized bank payments from Navient. They enrolled me in autopay even though she put me on and I told her to take me off. I unchecked al all of the boxes for autopay and their computer system put it right back on. 
These are UNAUTHORIZED transactions. I feel that this should be looked into on the part of Navient. This could cost me over XXXX in interest alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: RMK Financial Corp
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015 me and my wife closed on a refinanced loan with Majestic home loans ( which is now serviced by XXXX ) which agreed that my mortgage payment which was at the time XXXX monthly an owned by nation star mortgage would be lowered to XXXX monthly if we agreed to a refinance offer with there company because of the change in lower fha mortgage insurance rates and requirements.. We did agreed and signed documents to cloan our new loan. On Friday XX/XX/2015 we received a letter in the mail dated XXXX/XXXX/2015 thats states " At the time of closing your loan, your taxes were calculated on the land valude only instead of the entire property ''. For that error majestic home loans stated that our monthly mortgage payment will increase from XXXX monthly to XXXX. So now we are paying more for a mortgage than we were initially paying for our original mortgage which i think is totally wrong and we certainly would not have agreed to this had we know this would be this issue. We even had other offers and GFE 's from different lenders but chose to go with majestic home loans. I think this was very deceitful on there part and most likely fudged numbers to get our business. Instead of saving money we are now having to spend more money which is not right.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a collection listed for {$180.00} on my credit file, it keeps on changing company 's when I request validation. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I made a settlement agreement with XXXX XXXX XXXX XXXX XXXX law firm that is managing my two charged off accounts XXXX and sent two cashier 's checks for {$2500.00} each. I was informed by a couple of XXXX XXXX XXXX representatives my checks were received. I called XXXX XXXX XXXX today to ask if they were able to expedite their process when it comes to contacting the original creditor ( Navient ) to confirm payment has been received. One of the representatives confirmed XXXX XXXX XXXX had already submitted that information to Navient as they upload information daily to this company. I contacted XXXX XXXX, consumer advocate for Navient, and he was able to submit my request to expedite the process on XXXX XXXX to report to the three credit bureaus. I was told my XXXX, XXXX XXXX XXXX has a 30 day policy. My payment has to be cleared in their office for 30 days in order for them to assure the funds are received and cleared. I asked XXXX XXXX XXXX today and one of their representatives told me this applies to clients that have judgements against them. The representative then stated I would n't have to wait the 30 days since they upload information to Navient daily and Navient is aware my funds are received and cleared. I then contacted XXXX XXXX by email letting him know of my findings. He then replied back " Dear XXXX XXXX, Unfortunately, we are unable to expedite the process any further. '' I asked " why not '' and have not received any replies yet. I am exhausted with this process! I have done everything XXXX XXXX XXXX and Navient have asked! I do n't understand why they were harassing me so much about these accounts and now that I 've settled, they do not want to deliver their part of the deal! This is not my first complaint with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Navient Solutions, LLC.
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:
Navient is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Navient continues to report this erroneous information on my credit report. I have attempted to speak with a Navient representative about this mistake and they are rude each time I call and refuse to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Paypal Holdings, Inc
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have used PayPal several times without issue, mainly with my credit card as the form of payment. However, twice now ( out of a small number of transactions ) I have had a problem with a seller, resulting in no transaction completion, yet PayPal holds my money leaving it tied up for days/weeks/months. The common denominator is the use of a PayPal balance, rather than a credit card as the method of payment. They market this balance as online cash, yet when a transaction falls through, it operates like a black hole, unlike cash whatsoever. 

This is problem # 1 : false and misleading marketing Problem # 2 : While this is happening, PayPal is earning something called float in financial markets and likely are investing funds that are not theirs ( failed transaction ) in short-term financial instruments, keeping the gains for themselves. This is more serious and may violate banking laws. Even if they are not investing it, by holding a customer 's money when no transaction has occurred, they are depriving customers of usable funds without compensation. Since a customer ca n't spend their Paypal balance while it 's in limbo, a customer is forced to spend real cash ( fungibility of funding methods ) in its ' place, losing the time value of that money. Separately, I 'm checking with Federal consumer agencies to see if this breaks US banking laws. 

This just happened for the second time on XXXX XXXX ( 2016 ). I attempted to use my online PayPal balance to make a purchase for {$100.00}. PayPal is for all functional purposes an online bank in these transactions, and should be subject to related banking regulations. In this case, the merchant ( XXXX ) had a problem on their side, and we did n't connect live within 48 hours. As a result, XXXX informed me that they " cancelled '' the transaction. Having no goods/services for my {$100.00}, I expected my PayPal balance to reflect the cancellation quickly. It did n't. I finally got a XXXX rep with enough skills to get me the XXXX phone number and information. The information was that I needed to get PayPal support on the phone and conference in XXXX. XXXX confirmed on the phone, with me as a witness, that PayPal should release my funds back. The PayPal rep said that she could and would start the process when I hung up. Two days later, no funds released. I called tonight and the whole circular fire-drill was about to start at square one. To me this is : 1 ] Theft of float without compensation 2 ] False marketing of a financial instrument -- if a cash/electronic checking transaction is cancelled before completion, I 'd get my finds back very quickly, perhaps never see them gone at all. In this way, my PayPal balance is not like cash at all -- they can hold it for as long as they want even though it is " for the benefit of '' money, not theirs at all.

Company response to consumer: Closed with non-monetary relief