BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, Thank you in advance for your time. Navient is the only debt collector calling about my private loans that I defaulted on. They call my father ( co-signer ), mother, grandparents, and XXXX aunts repeatedly. These calls are all going to their home phone. I asked Navient to stop calling. Navient calls my family from XXXX. Navient calls me from other numbers like XXXX. Can you make them stop? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This loan was included in a 2009 bankruptcy under XXXX and now under Navient they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America mailed me several offers to refinance my home. On XXXX/XXXX/2015 I called the XXXX, FL sales office and spoke with XXXX XXXX ( MLS XXXX ) and began the refinance process. There were documents XXXX XXXX wanted immediately ( XXXX, XXXX pay stubs & savings statements ) so those documents were emailed to her on XXXX/XXXX/2015, however, the remaining refinance documents, that BofA mailed to my home, she stated could be mailed. So on XXXX/XXXX/2015 I followed her instructions which matched the instructions in the refinance packet, and mailed the remaining documents in the pre-paid postage envelope provided from a Post Office in XXXX, TX. Because the documents were of a sensitive and personal nature, I wanted to have the documents tracked, even though they were only going to XXXX, TX ( XXXX is a larger suburb of XXXX ). The post office clerk informed me that I could not " alter '' the pre-paid envelop and had to mail the documents as is. Needless to say, as of XXXX/XXXX/2015 the documents have not reach BofA 's documents center and are now considered LOST. The post office claims they do not have my package, and BofA claims they have not received my documents either. I am stuck in the middle with my personal information floating somewhere, with no real help available. BofA is claiming since the documents have not reached them ( something they can not proved or disproved ) they have no responsibility to help. Even though, it was their instructions and envelope, they do not track the packages in anyway ( nor to the note that information in the refinance package ). This seems ridiculous. Customers are mailing personal and highly confidential information to them from all over the country and they not only do not track the packages they also hinder the consumer from doing so as well. This process is very flawed and I am not sure what the Bureau can do, but I wanted this practice to brought to light. I was informed by a BofA representative, that mail gets lost every day, and there was nothing they ( or I ) could do about it. I was to either resend the forms or lose the refinance. What is even more frustrating, is that I was informed, after the documents were lost ( of course ) that I could have gone in to ANY BofA location and faxed the documents to the XXXX office for FREE. I looked and this was not noted in any of their instructions. They did supply a fax number but DID NOT state the option of going into a branch. That XXXX simple piece of information could have saved me from the frustration on the entire refinance process. I now have frozen my credit and researching a credit monitoring company to protect me from potential identity theft. My problem is not with the people I worked with, it is with the process that leaves consumers at risk. I trusted BofA and the have completely let me down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On numerous occasions I have had to escalate my calls several times to get any assistance with getting Bank of America to release my insurance funds held on a property claim. Not only am I having to deal with the stress of the tornado damage destroying my home, insurance process and rebuilding process, but when it comes to getting my money release to pay for repairs I should not have to be put threw the XXXX degree and have to call back a minimum of 3 times to get a payment released. I am told it only takes 2-3 days to get a check issued, but I have yet to get a check within a min. of 3weeks. 
In short, I can not solve the problem myself, and I do not want to continue to be provided the unacceptable service I have been provided. 
The last request for a draw on funds to pay the XXXX was submitted XXXX and no check has been issued and the bank could not give me a reason why. I need to bank to release the remaining funds being held so that I can finish rebuilding my home.

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 2017-10-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, XXXX, I called the customer service mortgage department at XXXX Bank. 
My call was to inquire about a {$14.00} fee that was added to my mortgage in XXXX of XXXX. 
I spoke with a woman named XXXX XXXX, who explained to methat due to my XXXX mortgage payment arriving 30 days late, XXXX Bank needed to send someone out to my home to see if I had abandoned my home. Because of this, I will be responsible for paying a {$14.00} fee. 
She proceeded to tell me that I am lucky to not have XXXX other charges since I am " always late. '' This concerned me because I have only been 30 days late with my mortgage XXXX time in almost 4 years. 
I also feel that XXXX Bank sending someone to " check my property " for signs that " I still live there '' was very intrusive. 
I was called as many 3 times a day in XXXX of XXXX as well as having XXXX letters mailed to regarding the same issue. 
I would like to have the {$14.00} fee removed. I would also like to know if the banking industry has the right to call multiple times, send letters and now come to your residence to spy for " signs of someone living there '' and charge the customer a fee for 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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I paid my payments monthly for years, my account did not seem to be going down, I asked for a monthly history, I was told they could not give me a monthly history past back 1 year. 

Eventually, I paid off that set of loans for my XXXX. I am now paying on my XXXX XXXX it would be nice to receive a paper statement, illustrating my balance. When my loan was transferred I asked for a copy of my payments once again they said they did not have the back payments information, XXXX only knows if they are applying my payments correctly. 

Also XXXX charged additional fees towards my school loans, after I had finished my XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank Of America bought my mortgage, and added enormous fees, interest to my account. They also did not allow me to reinstate my loan so that I would be able lower the payment so that i could stay in my home

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 2017-03-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX ( now Navient ) did not do what I asked them to do, and misled me. Around 2010 I became aware of the Student Loan Forgiveness Program and called XXXX to enroll because I work in the non-profit sector. XXXX had me move my loans to the DOE and said I was enrolled. But they did n't tell me that I was not in the correct repayment program so my payments since then have not actually counted. When I found out about this last year I called them and they said they would review their notes and get back to me - but they have not contacted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company ( CBE Group ) calls at least 3 times a day. Morning, Noon and Night. When ever I pick up the phone they are never there. They have been calling for the past month. At one time I did finally speak with someone but they asked for someone who I did not know and then they requested my social security number. I refused to give it to them, and they have not answered the phone since - in spite continuing to call 3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I specific told them please do n't call my family member for my personal debts account, they call my brother and told them I must called them back regarding my debt and the amount, my brother told them they had the wrong number and to contact the right person but instead she kept insisting to give my debt information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: IN
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2017-02-07
Company: Navient Solutions, LLC.
State: FL
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:
On Tuesday, XXXX XXXX, XXXX : I finally spoke to a Floor Supervisor from Navient, Inc, the Lender for my Student Loan. 
I was told that Navient changed the dates on my Forbearance ( without my knowledge ) and that they found errors in their own system with their billing. I was to begin payment on XXXX XXXX, XXXX ( my e-mail shows that ) and they are telling me their system made a mistake, and that my Forbearance was " supposed to end '' on XXXX XXXX, XXXX. They told me that I must either go into Forbearance if I can not afford the " missed '' payment ( Payment was never missed as the payments were supposed to start on XXXX XXXX and I have paid every single month on time. 
The Floor Supervisor told me I must pay the " outstanding '' {$230.00} or else my name would be submitted to the Credit Bureau, as well as putting my loan within delinquency. I asked what my options are, as a {$470.00} a month payment is not what I can afford, hence, why I am on the income based repayment plan. They tried forcing Forbearance on me, as my " only option if I ca n't afford 'only {$230.00} ' on top of my {$230.00} a month payment. When I asked to speak to her boss, I was told she was the boss. 
I asked the Floor Supervisor why Inever received these notifications that the terms of my Forbearance had changed and she claimed I received an e-mail from Navient on XXXX XXXX and XXXX XXXX. I searched my inbox for hours - There were no e-mails received from Navient on either one of these days indicating my terms had changed. 
I also am locked out of the messages portion of Navient.com until I pay my " Past Due Balance ''. 
So, to save my credit rating, I paid the " past due balance '' and will pay the remaining monthly payment for XXXX. To get this money, I will have to work even more hours at my second and third jobs. I still am not able to access my student loan documents, even after making the payment. 

These practices by Navient are fraudulent and illegal ( I 'm sure this is why they are being sued )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I started having problems at my commodities job XX/XX/XXXX! I started seeing Drs and was diagnosed with anxiety disorders and Atrial fibrillation XX/XX/XXXX. I had to quit my job on XXXX the S.S declared me total disable on XX/XX/XXXX! then I had XXXX on XX/XX/XXXX! i was trying to make payment with with American Express at that time but the told me that i had all ready maid an agreement and that they only do agreements for 6 months one time a year! I owed them around {$13000.00} I told them my situation and that I had no income so XX/XX/XXXX I started getting calls from them offering to settle for {$5800.00} the person was from another country promising that he was representing XXXX. but it turned out to be collection company to of XXXX XXXX they had all my account information he would call me about once week and offer to settle for a different amount each time! I Called A.E. each time and told them that I just wanted to be put back on a payment plane but was denied each time the representative said that it had n't ben turned over to a collection agency! on XX/XX/XXXX I got my first phone call from XXXX XXXX XXXX, XXXX. they sued me on behave of American Express they offered XXXX different payment plains witch I could n't afford so we went to aberration I had no lawyer! we agreed for me to pay {$6600.00} at {$110.00} per month in court which I have done on time with my S.S. XXXX money! 
my biggest concern is that they continue to report late payments on my credit report every month, I have not been late or missed a payment since we made the agreement they auto draft it from my bank account every month! 
I do n't think that it is fair for them to continue to hurt my credit when I am doing everything in my power! My accountant told me to file bankruptcy XX/XX/XXXX! I got caught in the Housing scam I had XXXX houses XXXX were for investment purpose, I lost them all plus the house that I and my family live in is in foreclosure! in total I lost close to {$15000.00} and that not counting my house in foreclosure no wonder that I have hade all the health issues! 
my fido score was once above XXXX so I am not a deadbeat I just do n't think it fair for them continue to hurt my credit!!!! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}

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: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
While going through the OFAP process i experienced problems with both XXXX and my loan servicer, OCWEN. XXXX failed to act impartially, ensure that relevant documents were made available and explanations provided where needed or requested, refused to respond to emails from my housing counslor asking for assistance, failed to assure required documents were submitted, failed to conduct an even-handed and fair resolution conference, and failed to get in writing lenders HAMP offer. 
OCWEN placed lender flood insurance back in XX/XX/XXXX that i am still fighting to get reimbursed on and they still deny that they did it even though my transaction history that they provided through the portal during my OFAP application process shows that they did. I sent a certified letter to them disputing my debt and they mailed back a letter that basicly just said " no we did n't ''. I have proof of my coverage and their charges. During the OFAP process they refused to give me my NPV or my PSA. I never had a single point of contact. Neither i nor my housing counslor could ever get ahold of the same person XXXX. They keep acting like they are considering my modification and yet they move forward with foreclosure while telling me they are not. Charging unauthorized fees and not showing what they charges are for, plus math that i just can not figure out. They have found a way to abuse the program by claiming your application is incomplete. All they have to do is say so and either refuse to accept documents, say they were late, claim they did n't receive them, or just keep asking for the same document again and again no matter how many ways you send it or how many times. I have been trying to do this program since XX/XX/XXXX. They have lied, abused, decieved and ground me down to nothing. I have filled out their RMA XXXX times. I faxed the latest one this morning. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Cooper Hoffman Klein Associates
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt collector called my minor son and left threatening message regarding a debt I do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company Ocwen Loan Servicing LLC . Will not remove false information on my credit bureau. XXXX XX/XX/2013 they but that I was XXXX days late on my credit, I have never been even XXXX days late and I have proof where every month they are paid automatically out of my bank account. I have talked at great length with them and the agree it was a mistake but the still will not remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from Ocwen to XXXX XXXX on XXXX XXXX, 2016. The escrow amount at that time should have been XXXX. The escrow amount at that time was XXXX, and that amount was transferred to XXXX. Numerous phone calls has not yielded a return of the funds. Your assistance is needed to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Revenue Recovery Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was XXXX in XXXX from XXXX XXXX until XXXX XXXX. When I returned back to XXXX XXXX XXXX I received several calls stating I was assaulted in XXXX. I never lived in XXXX and only visited XXXX to pick my car up from the port. However, they stated I received medical treatment there which is incorrect. I have been in XXXX since XX/XX/XXXX. Whomever, used my identity did not show identification and now I am being billed. I provided them my social security number and they said they were going to handle it. Now it is on my credit. I told them to send me a video because it is not me. However, they do believe I am not telling the truth. I can provide all the additional information needed to resolve this matter. 

XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$1200.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$1200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$28.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$28.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Medical

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