BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an FHA XXXX mortgage with BOA ( and as part of this loan, the escrow is something which my mortgage payment reflects ). When I first acquired the loan in XXXX XXXX, my insurance premium was $ XXXX/yr, sometime in XXXX XXXX, however my insurance premium dropped significantly to $ XXXX/yr which reflected some upgrades done to the house. When I called to see if my mortgage could be reduced, I was told that I would have to wait at least 6 months before an escrow analysis could be done, and in which that point, my mortgage will be reduced to reflect the decrease in insurance premium, and any overage paid during that time would be refunded to me. I must have called about 5 different times during XX/XX/XXXX to XX/XX/XXXX, and spoke to different people that each gave me the same information. When finally my 6 months were up, I called BOA to request for an analysis to be done, which reduced my mortgage payments from {$1500.00} to {$1400.00} per month, during this time, I was also told that the overage paid into my escrow which was about {$900.00} would be refunded to me within 10 days. I followed up recently via e-mail to ensure that the check was already sent out, and was told that because my mortgage was less than 1 year old, I am not entitled to a refund. This is ridiculous, given that I was assured by a number of reps that after my 6 months I would receive my refund. This is money that I overpaid! It makes absolutely no sense that BOA is holding onto this money, and I 'm not earning any money in interest! This is deception at its finest! I 'm not asking for a handout, I demanding money which belongs to me which I overpaid! This morning when I called to speak to a manager I was told that because of the type of loan that it is, this is the requirement set forth by FHA ... which is a lie, because I contacted both the FHA hotline ( XXXX ) and FHA National ServiceXXXX ) and they advised me that the refund is solely up to the lenders discretion, and it is nothing which they stipulate. I do n't understand how I could have been given wrong information by XXXX different people at BOA. BOA is holding on to my money ; in a way is theft! I am demanding for the overage paid into my Escrow to be refunded to me ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Navient Solutions, LLC.
State: FL
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 am having continuous problems with XXXX/Navient. I am paying off XXXX loans ( XXXX which is only {$2000.00} ) since 2008. I have no problem paying my loan but it is clear that my payments are only going towards the interest and not towards the balance. I applied to a Rate Reduction Program and agreed for Navient to automatically deduct funds from my bank account if I was accepted into this program. After about two months I was told that I was not accepted to the program but they continue, even to this day, to take money out of my account every month for the same amount as the Rate Reduction Program. My mother is a co-signor on this account and is XXXX without work. They continuously call my mom harassing her and now are threatening to report me to the credit bureau if I do not pay an additional {$350.00} on top of the monthly payments that I am making. The representatives are rude, nasty and condescending. They switch me to a different department with each call and refuse to address my concerns. XXXX XXXX is the prime reason why people who attended will not have kids or purchase a new home. The government is avoiding this snowball problem which will have a vast affect on the economy in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Due to the limited response to information in response to a complaint filed by me in regards to XXXX XXXX, I realize that I need to identify misleading and deceitful information on behalf of Navient as well. Both companies have provided contradictory information between one another 's customer service representatives and within their own companies. The emotion strain piled on the financial strain has caused such stress on my marriage that trial separation has happened. With detriment to my credit and amassed debt, it hindered my ability to purchase a home with my husband, who has no debt from student loans, and has limited my ability to enhance my professional career through further education. As an educator of students primarily from low income homes, I find it disheartening and deceitful for me to encourage them to further their educational journey, knowing the trauma it has caused in my life. Anxiety caused by the drama experienced when working with these companies and the time consumed in attempting to get results ( accurate or consistent I nformation is all I hope for, guidance seems impossible ) has caused grief for all myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Navient Solutions, LLC.
State: FL
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:
Hello : I took out private student loans during my XXXX. The loans went into default during a time I was not able to afford the payments. However, I have been diligently making monthly payments almost 1.5 years. However, the entity ( XXXX XXXX n/k/a Navient ) still reports each month on my credit report that I have a past due balance. I have worked out a payment plan over a year ago and have been making payments. Why are they allowed to report to the credit bureau that I have past due balances as if I am not making payments pursuant to a payment plan. This is causing me substantial problems and it is drastically keeping my credit score down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
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 get flexible payment options

Complaint:
Two years ago I was not informed of my renewal date for my income based repayment plan, and I was hit with a charge of over {$1000.00} when my regular payment was nearer to {$400.00}. This caused me to overdraft my checking account and caused a number of other financial hardships as I was unable to pay other bills and had to adjusted payment schedules. They would not refund this money though I asked a couple of times. Last year, I received an email stating that my income based repayment was expiring, and that my new payment would be approx. {$500.00} so I decided not to renew my income based repayment. When my income base plan expired, again is shot up to over {$1000.00} because the email I received was only in regard to a collection of my loans, not all of my loans. In this case they refunded me the {$1000.00} and I was able to reapply for income based repayment. This year, I submitted my renewal for the program and it has been over two weeks and I have yet to hear from them when the deadline XX/XX/XXXX. I withdrew from the autodraft system last year because of this, which increases the headache of making sure they get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
MY ORIGINAL LOANS WERE TAKEN OUT THROUGH XXXX. XXXX XXXX WAS TAKING CARE OF THE LOANS. XXXX XXXX FORWARD THE LOANS OVER TO AES IN WHICH A PAYMENT ARRANGEMENT WAS SET UP AND PAYMENT IS TAKEN OUT OF MY BANK ACCT EACH MONTH. Then I started getting calls from Navient Solutions Inc XXXX XXXX XXXX XXXX PA XXXX XXXX who stated they are now XXXX XXXX and they are taking care of the loans. I tried to explain to them that they forwarded XXXX of my student loans over to XXXX XXXX OHIO XXXX XXXX XXXX XXXX OH XXXX XXXX and they have me on a payment plan since 2013. Navient Solutions Inc is calling me for payment on the same loans they forwarded over to XXXX of OHIO. I tried to explain to them that i am being build by XXXX companies for the same loans. I also inform them that XXXX OF Ohio have Navient Solutions Inc as their client. Navient continue to say they have no way to verify that information and that they do not use and never heard of XXXX of Ohio. 
XXXX of OHIO acct # XXXX NAVIENT acct # XXXX " XXXX ' XXXX ' XXXX ' XXXX ' XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WI
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 have not been able to lower my monthly payments or remove my co-signer from one of my loans. My private loan is serviced my Navient but I also have Federal loans with XXXX XXXX. I am struggling to make ends meet and this debt is overwhelming. 
Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: AMERISAVE MORTGAGE CORPORATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with AmeriSave Mortgage Corporation. I received a letter from HUD notifying me that Effective XXXX 2015 the FHA mortgage insurance rates were reduced. Interest XXXX ( XXXX # XXXX ) has reviewed the FHA Mortgage for my home located at XXXX XXXX XXXX , XXXX XXXX, NM XXXX, and that I was elIgible to take part in the FHA STREAMLINE PROGRAM. This program was designed to reduce my interest rate and lower my monthly mortgage mortgage payment with NO OUT OF POCKET COSTS, NO APPRAISAL & NO INCOME QUALIFYING. I was surprised by AMERISAVE that increased my mortgage payment and kept the same rate of interest of 4.375 % that I was paying. AmeriSave also increased my escrow account monthly adddition to {$470.00} and they were applying {$450.00} to the interest and only an average of {$180.00} to the principal. It is impossible to communicate with AmeriSave since they only have answering machines and not a single person to answer complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: AMA Advisors, LLC.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I feel I am the victim of credit discrimination by HomeBridge FinancialServices doing business as Real Estate Mortgage Network. Theiraddress is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. 
The contact information of the account executive is XXXX. 
I applied for a home mortgage with this company and received a loancommitment from them on XX/XX/XXXX. I am a single divorced womanreceiving child support from my ex husband under a XXXX divorcedecree which provides for monthly child support which, under XXXXlaw, is to continue until my youngest child is XXXX. Currently my youngestchild is XXXX years old so the child support will continue until XX/XX/XXXX. 
Item XXXX of the commitment listing conditions for underwriting states '' Provide continuance of child support payments, such as the childrenfor whom support is being paid or the duration. '' I have provided thisinformation to the lender. Nevertheless, the lender has refused toapprove this loan because it will not consider the child supportpayments despite the divorce decree and citation to the XXXXstatute which describes the duration of the child support obligationas being until the youngest child reaches age XXXX ( with certain exceptionsnot applicable here ). I now risk losing the house that I was scheduled toclose on last week and if I need to move out of my current rental Iwill not have a place to live. I feel that this action by the lender violatesthe Equal Credit Opportunity Act ( Regulation B section 102.6 ( b ) ( 5 ) andalso constitutes discrimination on the basis of sex and marital statuswhich is prohibited under XXXX law ( where I now reside ). XXXX. 
General Statutes section XXXX. I should also point out that myex-husband has been paying me child support on a regular basis, inaccordance with the court order, for the past 6 years. He is an XXXX XXXXveteran and currently a XXXX employee who has a secure income. Thelender asked me for 6 months proof of timely child support paymentswhich I provided. If this lender is doing this to me, I fearthat other divorced women receiving child support might bebeing treated in a similar way. If you can get the lender to quicklychange their position, I can still close on the house I wish to purchasefor myself and my children. 
I also want to point out that on XX/XX/XXXX I received a revised list ofitems required to close the loan and there is nothing on that listthat refers to child support documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency : Harris & Harris Ltd ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL ) keeps calling me, and sending collection mail to my home AND work. After repeatedly asking them not to call and send me these harassing ( and embarrassing ) letters they have refused to cease. 

The worst part, I have repeatedly informed them that I DO NOT have any debt or balance, and asked them to please contact XXXX to verify. I even got a XXXX representative on the phone and called them to confirm and was met with further hostility and told that it did not matter. " The only way to get this settled is to just pay us '' is what I was met with. 

XXXX has verified repeatedly that I have NO accounts or balances with them. 

Sending collection letters to someone 's work is a real low, especially when in attempt to collect a debt that is not even valid or owed. Harris & Harris Ltd Collection agency is the lowest of the low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage refinance loan with Citibank loan agent is XXXX XXXX with Citibank N.A His NMLS id is XXXX. After getting the loan application and all conditions over to XXXX we were first going to get 3.5 % rate for 30 yrs fix and no closing cost ( no points, no cost ) Loan and XXXX XXXX came back to us stating that he would not be able to deliver it as our loan needed exception so we insisted we need to communicate with his supervisor/manager thats when we received a call from XXXX XXXX XXXX who explained why the rate of 3.5 % was going to be with cost based on this we initiated a change to XXXX Arm rate of 3.375 % with 0.875 % in lender credit and this was confirmed by XXXX XXXX and we have received communication from Citibank re this change and GFE too. 

we had made very clear to MLO XXXX XXXX and XXXX XXXX XXXX that we would only spend for the appraisal once we have conformation from them that only condition left is the appraisal and so we did the appraisal too. 

I fail to understand that in such highly regulated lending regulations how can a MLO play with us and waste our time and money with confidence that he would get away lying, deceiving and misleading every step of the way. 
As of XXXX XXXX/XXXX/2015 we received an email from MLO XXXX XXXX saying that Citibank has switched us back to 30 yrs fix rate with cost and this is after we had confirmed that we were ok to proceed with XXXX Arm rate so we deiced to pay for the appraisal. 

we have wasted our time Money and all we are getting in the email from XXXX XXXX is disrespectful emails and threats that he will not do anything on our loan at all, because i wrote to him and his manager how we feel that we have been lied to. 
i call this Bait and Switch or booth closing loans which this MLO is doing with us. 
My Name and information isXXXX XXXX loan # XXXX XXXX XXXX XXXX, CA XXXXMy email id is XXXXXXXXXXXX direct # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I have had a an Aadvantage Citibank MasterCard card for XXXX years. A balance of {$29.00} was due XXXX XXXX. As I have for several years, I set up the payment on my bank 's e-pay system to arrive on the due date. Have never had a problem. When I received my next statement, Citibank had assessed a late fee of {$25.00} plus a XXXX cent interest charge because it posted the payment XXXX XXXX. The {$29.00} was debited from my account XXXX XXXX. I called my bank and was assured Citibank received the funds XXXX XXXX. I called Citibank and explained the situation and it insisted the payment was late and REFUSED to remove the late charge. So I canceled the card. It is guilty of bad business practice -- has been for years, in my experience. Steals from its customers.

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 2017-01-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/2017 I logged into my account and noticed that all my credit cards had XXXX available credit. My reward points were also missing. I contacted Citicards to inquire regarding this and was notified that all my credit cards were unilaterally canceled and my points were confiscated. No reason was given by the supervisor I spoke with. I was told that my points were forfeited as the bank had decided to cancel my accounts with no prior warning. Such an action is disingenuous and it seems that the bank can simply close your accounts to avoid allowing you to use that which you earned and that which is rightfully yours. I spent thousands of dollars on my cards which Citibank earned processing fees for. Part of the reason for my use of Citibank 's cards was due to their generous rewards programs. This seems like an easy out for the bank to collect fees without giving anything in return. My credit is stellar and I have never missed a payment with Citibank or any other bank. I have always paid in full. 
While I ca n't fault the bank for making a business decision ( if that 's what this was ), I should have been given notice prior to closure and should not have had to discover this myself. I should have also been given an opportunity to redeem any rewards that I had accumulated over the years being loyal to the bank. I rely on my credit cards for daily spending and deactivating all my accounts without informing me at all is inappropriate and unfair. This closure with no warning resulted in extreme inconvenience to myself as well as my family.

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 2017-01-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased items on My Macys credit card. I returned XXXX of the times. 
No credit was given, until I called. Then they gave me store credit. Which I didnot want, or request. I wanted to credit to be returned to the card as I had purchased it. Deceptive selling practices. Pretty much had I not called them. They would of charged me the extra {$64.00} ( on the items I returned ) plus interest. NOt cool. 
They offered me " a credit '' to use in the store in 7-10 days..just ridiculous. 
Then had to argue with their out of the country representaives about making it right.

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