BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2012 Bank of America charged me {$750.00} for debris removal. Bank of America never removed any debris. After contacting Bank of America, I was told I was going to be credited the {$750.00} since it was a false charge added to my mortgage. Bank of America has still not yet credited the {$750.00}.

Company public response: Company chooses not to provide a public response
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: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/XXXX, I called Sallie Mae to start the process of paying my student loans. I graduated XX/XX/XXXX from XXXX University. In finding out that my monthly payments were quite high, I wanted to find out what options were available to me to lower the monthly payment. 

I spoke with a very nice woman, based in Indiana. I believe her name was XXXX. She told me about the rate reduction program. I applied, and was told that I would need to miss a payment in order to be considered. Though I thought this was strange, I obliged. 

Soon thereafter, I found out that I had been accepted to the program. By that point, I had all of my loans scheduled on autopay, and, according to everyone at Sallie Mae, everything was on track and good to go. 

On XX/XX/XXXX, I tried to apply for an apartment in XXXX XXXX. To my surprise, I was denied and told that I had an exceptionally low credit score. Because Sallie Mae was the only company that I was indebted to ( besides federal loans ), I immediately thought that there might be an issue with my Sallie Mae account. I spent my entire lunch break speaking with an associate, and then a supervisor. The supervisor assured me that the credit issue was not associated with Sallie Mae, and that the company had never reported anything related to my account. 

When I returned home from work, I ran my credit report, and found that my extremely low credit score was, in fact, due to Sallie Mae reporting my " missed payment '' to the credit agency. Because of my low credit score, I was denied housing and had to spend years fixing it. This was a huge hassle - especially for someone right out of college. And to make matters worse, my interest rates/monthly payments were astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: WI
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:
I have tried to contact Navient 5 times to resolve the issue of Teacher Loan Forgiveness. During that time they have told me a number of things that I know to be incorrect, such as " You must serve 5 more years from the day you apply a payment to your account in order to be eligible for teacher loan forgiveness. '' I know that this is untrue, as it is the years I spent XXXX TO earn the XXXX award, not when I use it. It states this on the Federal Student Teacher Loan forgiveness page. They have denied my forbearance request and even claimed that I am not eligible for teacher loan forgiveness at all. When I quoted the website and a conversation to refute these claims, they suggested that I contact XXXX, the guarantor. When I contacted XXXX they answered the phone as 'Navient. ' When I asked for clarification, they gave me another number. I asked, " Is this for XXXX? '' They said, " yes. '' When I called that number, it was the XXXX line. I am fed up and have had enough.

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

Complaint:
Multiple phone calls seeking a lower payment or affordable repayment options without having to defer loans due to tight finances was told every time had to pay the amount no options or way to reduce payment also not sure payments fully applied correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification on an FHA loan for over 2years. I was unemployed and now working XXXX jobs and my father has committed to assisting me with paying my monthly bills. Bank of America has refused to assist in making my monthly payments affordable, continuously request the same documents, change contact representatives, refuse to provide documents related to the loan, account and other information, and failed to review the most recent application and requested that I resubmit. I believe I am a victim and the bank is guilty of improper handling of my account and it is more of a financial incentive for them to foreclose at this time versus modifying the account and allowing me to remain in the home and make an affordable payment. I have done everything I know to do asked what income will allow me to stay in the home to get additional income and they have refused. I was told by a representative to " make sure I have a plan B ''. 
I would appreciate any help as it relates to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I wrote to XXXX, asking them to stop calling. XXXX calls me every day. Each time, they use a different phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). 
While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-06
Company: Advanced Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I had automatic payments set up from my checking account for my car leasing with Toyota financial Institution. I changed my car on XXXX XXXX, XXXX payments were pending ( XXXX XXXX and XXXX XXXX ) but as part of the agreement, my old car was paid off. Despite this agreement, and verbal notification with Toyota financial Services XXXX weeks ago, they withdrew {$300.00} from my account yesterday. 
I want my money back. 
This financial institution should be punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
I opened a secured credit card with XXXX XXXX XXXX XXXX Bank XX/XX/XXXX. The bank closed and sold my account to XXXX XXXX Bank XXXX XXXX. I lost my job and tried closing the account with my {$300.00} deposit and they told me there was no deposit or secured credit card and only had information that my card opened XX/XX/XXXX. XXXX XXXX is reporting was reporting this on my credit reports. I called FDIC and they have no records of XXXX XXXX taking over any accounts from XXXX XXXX XXXX or XXXX XXXX. Portfolio Recovery has bought the account from XXXX XXXX and is now reporting this Same account in collections on my credit reports. I sent them the letter from XXXX XXXX stating I do not owe the money and they are removing the account off my credit report. They said it is not enough proof to remove the amount I know owe them because they bought the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX/XXXX/XXXX I contacted PRA to discuss the status of XXXX accounts that are in currently in dispute, accounts ending in XXXX and XXXX. Initially my phone call was received after automatically stating that the phone call " was an attempt to collect a debt '' even though these alleged debts are actively in dispute, and are not to be collected on while being in dispute. 

Next, my phone call was transferred to and answered by the " Litigation Department, '' in yet another attempt to collect these debts, a technique they have already been cited for and fined for by the CFPB for back in XXXX through the CFPB-PRA Consent Order of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: Alorica Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I initially filed a claim against XXXX. They informed me that " the mortgage was sold and servicing was transferred to XXXX, XXXX XXXX XXXX, XXXX. This has lead to a Summary Judgement for Foreclosure. The Sheriff Sale is pending now, for XXXX XXXX, XXXX. The listed Plaintiff is TRUST, c/o XXXX XXXX by assignment. According to an independent Forensic Loan Audit, the " mortgage was in Violation of the " FTC Act and Unfair & Deceptive Acts and Practices. '' Some of the specific Violations cited were 1 ) Unconscionability, 2 ) Duty of Good Faith and Fair Dealing, 3 ) Unfair and Deceptive Acts and Practices, 4 ) Preditory Lending, 5 ) Lack of Due Diligence in Underwriting, 6 ) Inappropriate Loan Program, 7 ) Deception, Fraud, Unconscioable, 8 ) Equity Stripping, 9 ) Targeting, 10 ) Acccording to the Audit, the lender Violated section 5 of the Federal Trade Commission Act. A copy of the Forensic Loan Audit is attached ; a partial list of excecive collection calls, after contact ; Letters re : Request for " Validation '' of Debt.or stop contact ; copy continued contact. & response to request..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I had fallen behind on payments on my XXXX card ( Comenity Bank ). In XX/XX/XXXX they offered me a 1 year hardship plan. Monthly payments would be {$40.00}. After 3 months and 3 months of successful payments, they said my account would reported as current and all previous late fees would credited to my account. I agreed to the plan, and made successful {$40.00} payments in XXXX, XXXX and already made XX/XX/XXXX 's payment. 

Today ( XX/XX/XXXX ) I was contacted by them saying they made a clerical mistake when they enrolled me, and that I was never enrolled and that my account was 4 months passed due despite the payments I made. They acknowledged the clerical error, but told me they could n't fix it, all they could do is re-enroll me and that I 'd have to make a second XXXX payment. This is n't right at all, no desire to fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent request for information, about escrow received in the amount of {$890.00} to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 

.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a debt collection agency, Global Solutions about a debt owed by my deceased aunt XXXX XXXX. At first, they did n't want to tell me anything, and stated I had to give them a copy of the POA/guardianship because of HIPAA laws. Then, they call me the next day, and I say I 'm XXXX XXXX because they would n't tell me what she owed. They told me she owed XXXX XXXX Hospital-XXXX XXXX {$250.00} from XXXX. I have already paid that bill in XXXX XXXX from XXXX XXXX XXXX # XXXX. They keep calling my home and harassing me about a paid bill, and I 've already discussed the matter with XXXX XXXX Hospital. I want these people to stop calling my home and asking for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: HW Holding, Inc
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Back in 2013, me and my wife moved from XXXX to XXXX XXXX XXXX, because that was her dream. After a few months, we was in the swimming pool when about XXXX XXXX was skipping rocks across the pool. It was me, my wife, my daughter, her boyfriend and my grand-baby. So naturally, my daughters boyfriend told them to stop because of the baby. The next day me and my wife had to put air in our tires. A couple of days later, we mentioned the situation to the manager ; about two or three days later, my window got busted. I had just to XXXX it up because we spent everything we had to move there, XXXX XXXX XXXX. About 2 weeks later, new neighbors moved in downstairs. They would bang on their ceiling all the time. I night, about XXXX, I was in bed when my wife came running into the bedroom saying that someone was beating on the door. I got up and answered the door ; there stood a woman asking me to keep it down because they was trying to sleep and we was making too much noise ( I was in bed ) and my wife was in the living room watching t.v. That next day I told my wife to find another place because it was getting ridiculous there. On the last day that we moved out, the manager came up to me and asked what was going on. I told him that earlier that month my window was busted out of my car, and he told me " well if you would have told me, we would have you park under one of our cameras ''. I told him we live week to week and even though we would have caught the juvenile delinquents, that would not help me if they slashed my tires. The law would make the parents pay for the damages ; but what was I supposed to tell my boss. Oh, as soon as my car gets fixed, I 'll be in. Like I said, we was on a very tight budget and could n't wait till XXXX, or maybe even both of our cars to be fixed. The manager even said he knew who done it because he has had trouble out of them before. Then I told him about our new neighbors and how they was banging on the ceiling all the time, and once even got me out of bed to tell me to be quiet. He said you should have came to me for that too ; but I thought it would be easier just to move and not make any more enemies. So now Hunter Warfield calls me all the time. I only have a cell phone and I even told them to quit calling me because I ca n't get phone calls at work, but they call anyways. The last time we talked, they said that they was going ahead and start legal action, even though they know this story also. So, if you could help, I would appreciate it. I know that I broke the lease, but I had no other choose. So, XXXX XXXX XXXX, but it 's Hunter Warfield that calls # XXXX Thank You, 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 2015-09-11
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen continues to report inaccurate data information on my credit reports with their poor payment processing, unauthorized fees, holding my past payments in suspense after receiving by the due date and their erroneous reporting of ( 8 ) late payments. This is mortgage deception and a violation of the CFPB. I have made several phone calls to Ocwen, have written letters, submitted emails and filed a complaint with the XXXX. 
Enclosed is XXXX different letters from XXXX different representatives from Ocwen, dated XXXX XXXX, 2015 stating they will have a response by XXXX XXXX, 2015. 
I have heard nothing from this company as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I lost my job. We continued to make our house payment until our savings ran out, while I desperately searched for a job. We went to our lender for help but could not get any. When a trustee sale was posted for XX/XX/XXXX we hired the XXXX XXXX XXXX to assist us in trying to get a loan modification. Both my husband and I are now working full time and we have very good income. The XXXX XXXX XXXX submitted the loan modification package on XX/XX/XXXX and the sale was postponed and placed on hold. On XX/XX/XXXX Ocwen denied our loan modification request stating that we did not make enough money to qualify. Ocwen calculated our income incorrectly at {$11000.00} a month. Our actual income is {$13000.00} a month. The denial letter also stated that the owner of our loan, XXXX XXXX, would not do any principal reductions. The XXXX XXXX XXXX appealed the denial in a letter that was sent to Ocwen on XX/XX/XXXX. In the appeal letter they disputed the income and also attached a copy of a loan modification they had received for another client with the same owner, XXXX XXXX, that offered a principal reduction. On XX/XX/XXXX Ocwen denied the appeal and stuck by their original reason for denial. The letter also stated that the only way that they could do the modification is if we could qualify for a payment of {$8200.00}. There were no other details such as rate, term or principal balance. There is no way we can make this payment. Our interest rate is very high at 6 %. Our principal balance is now at {$1000000.00} because of past due payments but the house is only worth {$850000.00}. We do not want to lose our home! Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We now have been working with Ocwen ( that 's a stretch ) for over 4 months on the mortgage. They confirm they have received all documents except a document explaining why a teacher is paid 11 months out of the year rather than 12. This explanation has been sent twice, escalated to the escalations specialist XXXX at Ext XXXX who by voicemail confirmed all documents received. Now we received a call and confirmed that they are stating they have not received the documents and the original documents are expired. They 're happy to assist with re submitting the documents ... This comes from the relationships desk. We have had several appointments with the relationships representative in which they have not kept the appointment. The note read back from the representative is that we did not keep an appointment yesterday so they left a message. no appointment was scheduled. I 'm now in the process off escalating by sending copies of what we have sent in to the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX District Office XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX, President and CEO XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, General Counsel XXXX XXXX, President Ocwen Services XXXX XXXX XXXX XXXX, FL XXXX Ocwen Board of Directors Corporate Secretary Ocwen Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation