BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-14
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:
I was seeking a income sensitive deferment, but Navient kept telling me that I did not qualify. Now I have a volunteer deferment which I know will probably be {$600.00} at repayment. They offer no help at all. I attended XXXX XXXX University where I acquired these loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am the trustee of a trust that is being liquidated. The mutual fund company issued a redemption check that I deposited into Bank of America. B of A has now placed a hold on those funds. There is no pattern of unusual activity here - the amount of the deposit is not unusual for this account, the account has never been overdrawn, and the funds are drawn on a large and reputable mutual fund company 's account ( XXXX XXXX ). Bank of America told me that the hold was placed because the issuing bank ( XXXX XXXX ) is unable to confirm sufficiency of funds. I called XXXX XXXX and they have verified that the check CLEARED XXXX XXXX. Somehow Bank of America is not being straight with me and in the meantime is interfering with my ability to fulfill my fiduciary duties to liquidate the trust and distribute the proceeds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Paypal Holdings, Inc
State: HI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have received XXXX emailed bills from " PayPal Credit '' 'Pay me later '. I never signed up for any account with " PayPal Credit. '' On XXXX XXXX, 2015 they emailed a bill for what may heve been a legitimate charge from my regular PayPal account, but they were unable to tell me what the charge was for or who made the charge. Today I received another bill for {$24.00} for " late charges '' on this account which was closed and paid in full on XXXX XXXX. I called them to inform them that I never applied for an account, did not want XXXX, and closed all activity on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have been a victim of identity theft, today XX/XX/2021 i got an alert stating my socre dropped so i decided to look into my credit reports. i noticed 2 accounts that are not familar to my credit history or transactions i have made or authorized. please see attached Federal trade commission identity theft report i filed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable. I will file a lawsuit ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2020, i sent NCB MANAGEMENT SERVICE a letter asking for the validity of the alleged balance of XXXX that i do not owe.I haven't receive anything from them concerning this account.please assist me in this matter and i have attached a copy below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
COMPLAINT AGAINST WELLS FARGO AND XXXX XXXX XXXX XXXX XXXX XXXX Amortization period for the loan was extended from 360 months ( Loan maturity on XX/XX/XXXX ) to 480 months ( that is Loan Maturity on XX/XX/XXXX ) .But SLS state the loan maturity as XX/XX/XXXX ; instead of XX/XX/XXXX to create a fraudulent fictitious balloon amount of {$380000.00} added to the current loan of {$610000.00} because they used 360 months maturity to amortize the loan contrary to the 480 months, which they claim falsely is the new amortization period ( see page 54 of attachment ) I do not see how this is a Mortgage Relief Option. To address an unpaid arrears of {$100000.00} ; XXXX introduced a fraudulent fictitious balloon amount of {$380000.00}. 1.Wells Fargo and XXXX should be directed to remove the balloon amount of {$380000.00} to be a truly a mortgage relief to enable me commence the trial period commencing XX/XX/21. It is fraudulent for Wells Fargo and XXXX to state the maturity date as XX/XX/XXXX. This date is a strange introduction and has no basis. Wells Fargo and XXXX should harmonize the maturity date of XXXX and amortization period of 480 months. 2. I did not apply to increase my financial burden and lose my home. Am I being maltreated because I am minority and XXXX? I never contracted any loan from XXXX. They were imposed on me by Wells Fargo as Servicer. Wells Fargo manipulated my loan accounts and expect me to accept their fraudulent practices without seeking for fair and equitable resolution. 3. If I can not get fair and just intervention from CFPB, I will engage my representatives both in the House and Senate to help me out ; and the courts. I am aware a good number of XXXX and minority home owners have dispossessed of their homes fraudulently ; and sold for pennies to XX/XX/XXXX. 4. Minority interests and XXXX people should also be considered and not serially and continuously abused. cc. Senator XXXX ; Mrs. XXXX XXXX ( Chair, Financial Services ; Senate Majority Leader ; Senator XXXX ( NY )

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 2016-04-27
Company: Paypal Holdings, Inc
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
While PayPal states : " PayPal Purchase Protection covers all your eligible transactions. So if your order is a no-show or does n't match the description, we 'll help you get a full refund. '' My item was a no-show and also did n't match the description of when it would arrive, yet I have had no luck with PayPal Customer Support. 

I filed XXXX separate transactions with PayPal over a month ago. I have spoken on the phone with PayPal Customer Support XXXX separate times about the disputed transaction, and am not getting anywhere with it. The seller has also quit responding to all of my emails. I am about to close my PayPal account, but am first waiting for a proper resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Over the course of the loans I had taken out I was steered in the direction of forbearance options many times and only offered help in reducing payments one time as XXXX XXXX. Then as Navient took over that option was taken away. After taking out $ XXXX in loans I will be paying back $ XXXX to satisfy the loans on the current plan. I pay more for my student debt than the mortgage on my $ XXXX house!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case number : XXXX recently submitted a complaint about Bank of America in regard to my mortgage loan. I received a phone call from Bank of America when I was at work and when I was explaining to the lady that she can call me after XXXX EST, she said her office hours were until XXXX, pacific time, and that she could not call me and started threaten me to take some exaction. I interrupted her to explain my situation, but she hung up the phone on me before I finished explaining. As far as I know, she could call me when I was at home because she would still be working when I get back home. I ca n't provide security information on the phone form my job because I do n't have a private office. In less than a week I have received XXXX letters concerning the foreclosure issue, which in my dictionary that constitute harassment. 

I still receiving letters every day about foreclosure when my account is up to date. I just posted my current month payment from my bank because I ca n't even access my Bank of America account online to see any information at all. 

Then bank has closed any accessibility I have to my mortgage and is harassing me, and threatening me of losing my house which I am not going to take lightly. I ask this agency to please help me regain my peace of mind, taking care of this nasty corporation that does not help clients at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
Company: National Credit Adjusters, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call today from this company. On the voicemail, it stated they were attempting to collect a debt. This is not ok. 

Ive never heard of this company, nor what debt they allegedly hold in my maiden name. Ive been married for 10 years so its highly likely whatever they have is out of statue, or the result of my purse being stolen from my car in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Google Wallet wo n't transfer my balance ( {$1400.00} ) to my bank account, despite multiple verifications and transfer request forms. They claim to have suspended my account due to terms of service issues, but will have to at least release my funds, wo n't they? Multiple attempts to resolve it with customer service lead nowhere, each thread gives new and conflicting information. Telephone and chat service are disabled. Online research reveals that numerous people are in a similar situation which is surprising given Google 's otherwise great reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: WESTERN CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Good Afternoon, I am extremely upset with the services provided and the lack of understanding your office offers. As of today, I have called 4 days in a row ( and 4 times in XXXX day ) to attempt to work with Western Control Center. As of today ( XX/XX/XXXX ) the company has called me since XX/XX/2016 but only left me XXXX voicemail message. When individuals do call me from any phone number from Western Control Center, the call is immediately hung up after answering. Can someone explain how that is fair? 

As of today, I am unable to make any payments including good faith payments as I do not qualify. I do not qualify becuase I refuse to provide personal bank statements along with my common law partner 's information, bank statements, and pay stubs from both of us. I have asked numerous times to please explain how I am to make XXXX payments of {$880.00} or monthly payments of {$580.00} when the company doesnt take into account basic living needs. 

As of today, XXXX stated that he would assist me. He asked me where I was working and what pay rate. He then said that " IF the information checks out '' the lowest he could go is {$500.00} a month. I stated that I was not able to do that a month and that they are not taking into account my rent and other bills. He was frustrated and toward the end of the conversation stated that I dont need to send in my information and he trusts it was true. When I asked why he would not need proof of my bills he said I was welcome to send in whatever I wanted but that it didnt matter. {$500.00} a month was the lowest his collections department could go. When I asked to speak with someone in the collections department he said I had already spoken with everyone in the office. I asked " then why cant anyone work with me? and why do you need to have this information reviewed by another person but your deciding my personal expenses dont count suddenly? '' He replied with " you are just going in circles, I can not give you legal advise and there is nothing further I can do. You either pay it or I take the next step. '' I asked what the " next step is ( garnishment ) '' and he stated that he can not give me legal advise ( as if I was asking ). 

At this time, it has been determined and proven that Western Control Center will not only push you to get as much money as they can but if you do n't comply with their way, they will force their way through the legal system. That will include liens, garnishments, and any other forms of collection money. 

Terrible group of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Our Parent Plus Loans are serviced thru Navient Student Loan Center. I should be eligible for a 6 month payment waiver as of XXXX XXXX for making all payments on time. I contacted Navient for this benefit, and was told I did not qualify as in XXXX of XXXX a payment was not made? I told them that at that time a payment was not due as the loans were paid ahead. I had been paying {$450.00} - {$500.00} per month on the normal {$310.00} payment for several months. I thought everything was ok, until now when requesting the payment waiver. They are saying I am not eligible, a supervisor looked at it, and that was only a promotion and is no longer available, The thing that frustrates me is I was never told this, plus in XXXX XXXX I was told not to pay the loans ahead or they would not be eligible as they would payoff early. I switched the loan payments from {$350.00} back to {$310.00} as you can see on the payment history. Please help me understand how my loans paid ahead were delinquent and ineligible. Thanks for looking into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: The Receivable Management Services LLC
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My company closed last year with the last day of health coverage XXXX/XXXX/XXXX. I had received a letter from XXXX XXXX/XXXX/XXXX after calling them about terminating my insurance, stating that the insurance would be terminated for non-payment on XXXX/XXXX/XXXX., Since I was starting my new job XXXX/XXXX/XXXX I continued to have health insurance. I then received a call from collection agency in XXXX XXXX for money for XXXX and XXXX XXXX installments. They also stated they needed proof of coverage. I immediately sent them proof of coverage and the information regarding the termination of coverage. I continued to receive phone calls stating they either had n't received the proof of coverage or they could n't read it. I continued to re-send it. After 5 months of calls I was told by XXXX from RMS that if I paid {$100.00}, sent another copy of the confirmation of coverage to the address she provided this would close the account. I did this XXXX/XXXX/XXXX. I was then called in XXXX XXXX stating they never received my check. I then sent a copy of the cashed check. I requested confirmation that the matter had been closed. Instead I was told they were going to send the check back to me, which I have never received. In XXXX I received a letter stating that they had not received my proof of coverage or payment. This has now been ongoing for almost a year. I have done everything asked of me, but yet I get continued requests for the same information over and over. They now want more money, and I have never received " the check they sent back to me ''. I would like to have this matter closed. The insurance was already cancelled XXXX XXXX, XXXX. I was told be an XXXX representative that to terminate the insurance all I had to do was not pay it. this is also confirmed by the policy book. I had coverage starting XXXX XXXX, XXXX from my new employer. I would welcome any assistance you can provide.

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 2015-04-16
Company: ZWICKER & ASSOCIATES
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: PDQ Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PDQ Services is reporting a debt on my credit file that I do not owe. This debt is extremely old. I have checked with my Attorney General and found out that this debt is actually past the statue of limitation in Georgia. Not only that, this account is also past the credit reporting limit. This account was never verified to me, and I do not owe this! It needs to be removed off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a home loan with my ex husband with PHH Mortgages. We filed for divorce and in the divorce decree he became liable for the home and paying the payments. He ended up missing XXXX payments which effected my credit fairly substaintailly. when I became aware of the late payments, I ensured that the account was up to date and have since. I presented to them that I have the legal documents that he is obligated to make the payments each month and that I am not responisble for the payment. I asked them to remove the XXXX dings on my credit and they would not. I offered to present the paperwork and they still would not. The home is now being sold. I even filed with XXXX as a discrepency and they would not remove it. I would have never let these become a late payment. I was not even notified as they had all of his information in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Cascade Collections, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed a collection account that is on my credit report. This agency has no authority to collect on this account as they have not proven that ownership of the original account was transferred to them. I have never agreed to nor are there any legal documents that state I am liable to pay Cascade collections. I never entered into an agreement to pay Cascade collections and they have failed to prove that. Therefore I do not owe a debt to Cascade collections. The credit bureau did not review the authenticity of the attestation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Caliber Home Loans, Inc.
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my mortgage was sold by XXXX ( XXXX ) to Caliber Home Loans. I had been working with XXXX to catch up with a couple of missed payments ( in XXXX ) when ( also in XXXX ), the mortgage was sold to Caliber. In XXXX, I caught up on my payments and brought the loan current. In late XXXX, Caliber began to claim that when they purchased the loan from XXXX, there were unpaid property taxes and several months of missed mortgage payments due. I strongly argued that I did NOT owe anything else and provided proof on multiple occasions. See the plethora of attachments for complete history. Caliber would not accept what I kept telling them as truth and in early XX/XX/XXXX began returning my mortgage payments with notes that I owed more than the monthly payment. I have now been served with a foreclosure notice and am in desperate need of assistance. I am at a loss of how to proceed. The toll this situation has taken on me personally and financially is immeasurable. I ca n't sleep. I have been communicating with Caliber for months with promises they would make things right, but I can not get anyone to " hear '' me or respond to my multiple fax and fed ex package delivery of proof. The documentation is attached as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Ever since I graduated and went into repayment they have been extremely difficult to work with about paying my loans. I owe an outrageous amount of money and therefore they want me to pay an outrageous amount each month. I ca n't afford the payments they want me to pay. I 've applied for XXXX every year and request to lower my monthly payment but they are extremely difficult to work with and do n't seem to really care about my financial situation. I literally have to go without groceries just to pay this bill because I do n't want to default on my loan and have that reported on my credit report.

Company response to consumer: Closed with explanation