BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-11
Company: The CBE Group, Inc.
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
CBE Collections put a collection for a medical bill on my credit reports. I do n't even owe any doctor or hospital bills, and I think this is a scam. I think they are trying to get me to pay for something that never existed in the first place. I went out to the XXXX for the State of Iowa where this company has its headquarters and there were many complaints about this company targeting seniors in just this way.

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

Complaint:
Why am I paying {$500.00} plus a month for this private loan from Navient. This is ridiculous. Can I do something about this? Lost and fraustrated. What are my options here.. SOS. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Wilber and Associates, P.C.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a notification that the debt had been turned over for Collections at Wilber & Associates, P.C. While the situation surrounding the debt is frustrating for me, I recognize that the legal liability falls on me, regardless of the principal surrounding the issue. Today, XXXX/XXXX/15 at approximately XXXX ( PT ), I called Wilber & Associates with the intent of setting up a payment plan. When I called I was put on hold several times and transferred to a representative. Unfortunately, I did n't get the name of the individual that I finally came to talk to regarding the debt, but I was informed that the call was being recorded. XXXX the representative offered to settle the {$1200.00} debt for {$1000.00}. I told her that I was unable to do that. She offered to set me up on a payment plan with a down payment of approximately {$650.00}. Unfortunately, that is out of my budget as well. She asked me how much I could afford for a down payment, and I told her that if I can have until the end of the month ( 2 weeks ), then I could come up with {$200.00}. She said that she would set is up for {$250.00} by the end of the month and that money would go toward the down payment & I would pay {$250.00} a month. I told her that I can come up with the {$250.00} for the down payment, but there 's no way I can afford to continue {$250.00} a month. I would need payments around {$50.00} a month. She told me that was not an acceptable amount for a payment plan. She said that they would not refuse my payments of {$50.00}, but it would not be an official payment plan. Therefore they could still suspend my license and take any other action that is within their rights. I was getting frustrated, and I asked her if they had any other payment options for people that basically live paycheck to paycheck. She said no, they do n't. I asked her what they do for people who ca n't afford the money they ask for, and she replied that people make it happen. Growing more frustrated, my voice elevated a little and I asked her again, what they do for people who can not afford the payments they are requiring. I went on, expressing frustration that people who pay the high payments they require end up losing their ability to drive making it more difficult to pay them, but she was talking over me at this point. I lowered my voice again and told her that she was incredibly unhelpful. She chuckled at me, and in a snide/sarcastic tone the thanked me for complimenting her. I told her that she was n't really thanking me and I understand that. Increasingly frustrated, I expressed that I ca n't pay what she is requiring of me. She cut me off and told me to call back when I actually have the intention of paying by debt, adding that I will need paid it in full, and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX Bank of America represented to me through the single point of contact that mortgage assistance and mortgage modification has been denied on appeal. On XXXX XXXX, XXXX the Appeals Department granted mortgage modification assistance through a mortgage modification program. On XXXX XXXX, XXXX the single point of contact represented to me - again, mortgage assistance and mortgage modification has been denied on appeal. The single the single point of contact continued to make this representation to me multiple times since then and to date. Additionally, I have never been provided any written determination on appeal by an Appeals Specialist of the Appals Department. Just to be clear, the single point of contact does not make determinations on appeal. 

Bank of America has intentionally, negligently, and fraudulently made material misrepresentations related to a mortgage or Deed of Trust as well as lie by omission ( withholding ) of material facts as to the true status of a mortgage or Deed of Trust and the loss mitigation process. 

An assessor 's parcel number, or APN, is a number assigned to parcels of real property by the tax assessor of a particular jurisdiction for purposes of identification, record-keeping, and ownership. To date, Bank of America has not associated and recorded any real estate document with my private property and home. 

After a new review of Bank of America issued documents, it appears that upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!

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 2016-02-28
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My student loans ( like several others I 've talked with ) have been an absolute nightmare with XXXX XXXX ( Navient ). I was led to believe I was getting a loan with deferment and no payments while in school, and since I was desperate and needed something to finish my last year XXXX. Lo an behold, they started calling me excessively, sometimes even 5 times a day asking for money I was told I would not owe, and as a result I 've never really been able to catch up ( although I do make payments when I can ). They have been unwilling to work with me on a plan to get my payments back on track 3 times that I have tried, and as a result the excessive call continue. They usually call from XXXX of XXXX numbers, and would usually leave voicemails until my inbox was full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: MN
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 've had the displeasure of working with Navient since they were XXXX at the start of my collegiate career at XXXX. XXXX ( now Navient ) was the lender they suggested I work with. 

-From XX/XX/XXXX ( graduation ) through XX/XX/XXXX, when I was financially stable enough to begin steady payback, I was only offered Forbearance as a hardship option with capitalized interest on my private loans. Each time, I was told to apply for deferment, only to be denied in favor of forbearance without explaination. Ultimately, this capitalized interest from forbearance added over $ XXXX to my loans over the course of about XXXX months. 
-I was told multiple times by multiple reps that any " additional '' payment would be automatically applied to principal. I found this to be false, that my extra payment instead was applied to interest. When I called to ask for an explanation, I was told that it should not have happened ... but they would not change the payment I 'd made to correct this. 
-Discussions with reps still offer varied explainations for why I would have differing amounts paid to principal each month since beginning regular, full payments in XX/XX/XXXX. 
-I have never been given a reason beyond " you ca n't '' when asking to split additional payment toward principal amongst my loans to apply to my XXXX, higher-interest loan. I was told any extra payment that supposedly goes to principal is applied equally to all loans, preventing me from paying down my highest-interest one any quicker. 
-I still do not understand why I have a disbursement listed on my record dated XXXX months after I graduated. This is unrelated to my capitalized interest. 

Eventually, I stopped trying to contact them, and stopped trying to pay off additional principal. It became clear that their reps a ) only had access to the same information I did, b ) that they either had no power or desire to help me and my situation, and c ) that information would change from rep to rep as far as what my options/explanations were. It was not helpful to call someone and have them repeat the information I saw on my screen back to me and offer no insight. If i asked to speak to a XXXX, I would be placed on hold for a lengthy period ( expected ) and then receive the same answers from the reps ( also, expected ). 

It 's unfortunate I can only pick XXXX to " describe my issue '' in this report, because I 've had trouble with how payments are handled, I do n't agree with fees charged, received bad information about my loans and have major problems with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Navient Solutions, LLC.
State: CT
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:
I cosigned for a student loan for my daughter. The agency handling the loan is Navient. They have the loan listed as a group loan. However, I am the only person that receives the bills for this loan because they have made it a group loan. My daughter, that is the primarily responsible for the loan, is not able to receive information ( online, phone or mail ) regarding this account because all information about her account is sent to me, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have been contacting Navient for over three months trying to get the accounts separate so I can receive my bill and asking that they sent XXXX XXXX her bill. However, I continue to get the run around. The account was behind three months and XXXX XXXX was not aware of it because the bills were sent to me. I tried to find out why I was receiving the bill. However, they would not give me any information. I finally contacted XXXX to find that she thought the loan was still in deferment because she was in school. This effected both of our credit ratings. If XXXX 's loan was sent to her, she could have made the appropriate arrangements to pay the loan. This means she has paid additional interest and fees on her loans and should receive refunds for those funds. I am currently forwarding all mail from Navient for XXXX XXXX XXXX to her address at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have placed my loan in deferment and received a letter that Navient placed XXXX XXXX 's loan in deferment which she did not request. I understand that I am the co-signer for XXXX XXXX 's student loan. However, she should have access to her bill separate from my bill. I want Navient to separate the bills to ensure that I, XXXX XXXX, and XXXX XXXX have access to ours bills. 
XXXX XXXX, XXXXXXXXXXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX / Bank of America. I 'm checking to make sure you received it, because there is more to add to it. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Ocwen Financial Corporation
State: WY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We are a XXXX who completed hail damage repairs on a property in XXXX XXXX, WY. The original estimate was {$23000.00}. There was an insurance supplement of {$8300.00} and an additional supplement of {$260.00} bringing the total repair to {$32000.00}. The homeowner has a deductible of $ {$1600.00} so what the insurance company, XXXX XXXX XXXX, paid was {$30000.00}. These funds were sent to Ocwen Loan Serviing, LLC. The claim was made to the insurance company in XXXX of XXXX. Ocwen Loan servicing sent the initial payment of {$20000.00} in XXXX, XXXX with a balance of {$9700.00}. On XXXX/XXXX/XXXX the final bill for the work was submitted to the insurance company for payment and the final inspection was completed on XXXX/XXXX/XXXX. I have been trying since then to get payment from Ocwen Loan Servicing. I have faxed and emailed the same paperwork to them several times and have documented all faxes, emails and phone calls to Ocwen and would like to provide you with this documentation. It has finally come down to the fact that they verified they received the initial check from the insurance co of {$20000.00} in XXXX, {$260.00} on XXXX/XXXX/XXXX, {$8300.00} on XXXX and {$1100.00} on XXXX. They stated to me on XXXX that a payment of {$1400.00} was to be mailed out that day, I asked why that amount and they stated that was all they were holding. I called back and spoke to another representative that day and she verified that they had received the {$8300.00} but the funds were missing. She called the ins. co. and verified that the check had cleared their account so she put a search on that check. on XXXX/XXXX/XXXX I was told the missing funds had been found. a request was put in to expedite release of the funds. I called again today but they could not give me any information on it or when the funds would be released and suggested I call again on XXXX. Because I have been trying for 2 months to get my payment, my concern is that I am not the only person fighting with this company for payment. I feel this company needs to be looked into as their business practices are awful. There may be a miracle and I will receive payment but I have run out of hope of that happening, that is why I am reaching out to you. I am hoping there is a place where I can attach my documentation to this complaint so that you can see what I have been going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Ocwen Loan Servicing , LLC is attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for years to get my mortgage company ( Ocwen ) to work with me due to income loss in my family. I tried for years to get a loan modification but they refused to grant it, stating that because I missed a mortgage payment I was in-eligible. I then applied for a short sale and they finally approved it XX/XX/XXXX but unfortunately the buyer decided not to move forward. I then hired another realtor to put the home back on the market and we got a contract right away. I called Ocwen to inquire if there was an auction date for the pending foreclosure and they told me no date had been set. I requested a short sale package and they told me to download the package and that they would also mail one out to me ( but they never mailed one out ). I had just completed the package when I got a certified letter on Saturday XX/XX/XXXX with a notice of an auction date for XX/XX/XXXX at XXXX. I called Ocwen immediately and spoke to an escalation manager who then told me that they had called a number that I have never had or used. He told me that the sale date was set on XX/XX/XXXX but I was told on XX/XX/XXXX that there was no sale date. I then called Ocwen this morning ( Monday XX/XX/XXXX ) to ask for the current contract to be considered and they told me that they would deny it. I am a single mom with XXXX young boys who have been trying to get Ocwen to work with me but it has been the biggest challenge and now they want to foreclose on me even though I have a contract of sale. I am asking for representation to appeal to Ocwen to cancel the sale date and work with the contract of sale that we currently have. I am currently living in the property with my young sons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have sent several letter stating that I want to be only contacted by mail. I also stated that my work does n't allow such contact, and I am still getting phone calls, and faxes at work. 

XXXX XXXX, XXXX NC

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pro-collect Inc. Account number XXXX Date Opened : XXXX XXXX I Have attempted to get this debt verified through the collection agency mention above but yet they have failed to verify any debt. I have attempted to validated this debt via Mail ( Certified Mail ), Through XXXX and via telephone but yet the representatives tend to harass me daily since I called asking them to validate the debt. In the past month I have received more than 15 calls from Pro-Collect. While on the phone I asked to get the information validated and even sent to my current address but they failed to verify the debt from the original time ( XXXX days ) after it was placed on my credit report, In which, I called and sent a letter ( certified mail ) asking them to remove the collection since they could not validate the debt themselves but yet the collection remains on my report. I have now submitted an affidavit to idenitytheft.gov, because XXXX ) In general. Except as provided in paragraph ( a ) ( XXXX ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( XXXX ) In general. 
Show ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( XXXX ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 


but yet they have failed to validate any information resulting in the removal of the collection on credit and which the collection agency failed to do so as well.

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 2016-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX I opened a bank account at bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX California . The Banker seemed friendly I told him my reasons for opening the account was because I had written a book and wanted to accept payments from XXXX XXXX. I was also expecting a check from a car accident. The Insurance check came and I deposited into the ATM. I was later contacted and told there was fraud and that I had deposited a check from the account I just opened .As the insurance check. Then a few days later when I had my lawyer contact bank to verify that the check was Not a starter check from my own acvount. I have written boa and send in countless faxes and other documents. I was diagnosed with XXXX XX/XX/XXXX so my battle was stopped but during my XXXX battle I have submitted also numouris identity theft claims. I just want my like back.I have been even unable to get a job behind this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citi Bank Card has again blocked access to internet account can not dispute charges. 

phone number on web site to call has blocked me also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
1. Bank of America Credit Card account was closed on XXXX20152. From XXXX/XXXX/2015 thru XXXX/XXXX/2015 BofA continued to allow XXXX charges to closed account. I did forget to change the XXXX payment. However, BofA was not supposed to allow ANY purchases as I was guaranteed by XXXX ( BofA representative ) on XXXX/XXXX/2015 when I closed the account that NO OTHER CHARGES would be allowed at all. 
3. Contacted XXXX on XXXX/XXXX/2015 to get the payoff amount - he stated it would be {$2600.00}. 
4. XXXX/XXXX/2015 A payment was made in the amount of {$2600.00} was drafted from my credit union. The online platform showed a lesser amount, however, I paid the amount stated in # XXXX. Again, after the account was paid in full on XXXX/XXXX/2015 - Bank of America allowed another charge from XXXX on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief