BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I'm attempting to deal with Navient in terms of my student loans. At this point i wish that I would have never went to school. I got roped into the XXXX mess which then turned into the Navient mess. Navient continues harassing me with phone calls demanding payment from a defunct school where I never held a job with the garbage degree that i was handed. I have since changed careers. Navient insists that since I can not make a monthly payment of over {$1000.00} dollars that I should continue to ask for forbearance. At this time I am under forbearance while I attempt to finish school at XXXX XXXX to earn a degree in XXXX. I assumed that my loans were under forbearance until XX/XX/2018. I just received a letter via XXXX stating that my account is under litigation review? I don't make enough money to make extremely high payments, I don't know what to do? I was approved for forbearance on XX/XX/18.  Since then I have received four emails stating change in loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: MD
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 am unable to pay on my private student loans under the circumstances that I have recently separated from my spouse and now I am taking on more responsibilities as far as carrying on more bills on my own including my XXXX minor children. I was recently in the repayment program but was dropped automatically as soon as I told my loan service provider that I am unable to make any payments at the moment. They told me I have exhausted my deferment and forbearance options and they are unwilling to work with me, stating that I am still responsible for paying a minimum of over $ XXXX monthly. My loans will go into default which in turn can destroy my credit and score. I would like something to be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made Midland took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in Midlands favor based on the documentation the judge received from Midland , I never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent  to Midland, but  the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 I received a letter from " LOANCARE '' that I owe them a total of {$3500.00} and late fees of {$54.00} ''. This is news to me because I have made all my payments to " XXXX XXXX XXXX '' which is the company I refinanced my mortgage. If the loan was sold or passed down to LOANCARE, then the most common sense thing would have been to one ( 1 ) XXXX XXXX XXXX should have stop accepting my payments or two ( 2 ) transfer the payments to the current loan holder LOANCARE, or Three ( 3 ) notify me by mail or by phone. None of which happened, instead I 'm receiving threating letters from LOANCARE that I 'm delinquent on my mortgage and I owe them late fees. I have never been late on my mortgage since refinancing my mortgage with XXXX XXXX XXXX, and I should be a month ahead of my mortgage payment and I should not have to pay any late fees.

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 2015-10-05
Company: Navient Solutions, LLC.
State: NY
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:
In repaying a private student loan with Navient, I am making additional payments while currently on an interest only payment plan. Although I have not missed a payment they are telling me that I can not allocate additional payments directly to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have not been able to access my accounts with merrill lynch for over a year. In XXXX of 2014 I was locked out of my Merrill lynch XXXX account. I have called the bank for over a year bi-weekly. I have gone into the Bank of America branch at least 10 times. 

The bank is refusing to allow me access to my money, my bank statements or allowing me to shut down the accounts and have my money issued to me. 

I have spent countless hours for almost a year and a half trying to get records and access to my funds. They have refused to help me and tell me to go into bank, I go into bank and they tell me to call. I no longer want to do business with this bank and want my money. I also need my bank statements.

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 2019-10-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been ill. I was let go in XXXX of XXXX XXXX.Lakeview Loan Servicing promises to help in hard times so I tried to take them up on their program for unemployment deferment. They wanted 2 years pay stubs. I only had partial records all of XXXX. I contacted CFPB once before. They called me and said I just need to sent the pay stubs. I sent everything I had. I may have forgotten the bank statements. I just got the letter today from Lakeview saying untimely and incomplete and denied my unemployment deferment. I am afraid to miss a payment but I can't keep paying this. I need a break and a chance to catch up, get well and get some contract work. 

I have been XXXX  and my XXXX are acting up, XXXX XXXX   and also I am XXXX XXXX XXXX. They did not approve my deferment. I have been paying the mortgage out of my Social Security Disability XXXX XXXX, unemployment insurance and savings from my 2 years of work at the XXXX. The savings is for my wife 's XXXX. 
It's all been a nightmare. The job was too hard 24/7 on call  XXXX. Too many hours. Good money though. 

We ended up in a home with a {$2000.00} house payment. XXXX XXXX XXXX, the loan officer, XXXX XXXX, said it would be {$1400.00}. When we got done there was a Conventional 1st, an HFA 2nd and a zip loan even though we had the 3 percent down and a {$2000.00} payment. 

My wife needs both XXXX XXXX. We had a 60 day notice at our rental. We have a bully breed dog and I had to try to buy the house or go homeless. 

We love the home and want to keep it. But I feel Lakeview LLC, the loan servicer and XXXX XXXX XXXX could have done better.

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 2017-05-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ally Bank closed my   XXXX   and  XXXX  account on   XXXX   XXXX   against my wishes. They claimed my address was not a physical address and cited the PATRIOT ACT as the reason they had to close my account.      But I have a physical address on file with Ally and always have. At best, this was caused by a mistake in their physical address database. They refuse to acknowledge their error or re-open my account.     Although they eventually returned my funds, I suffered over {$200.00} in fees and penalties by having nearly {$8000.00} suddenly withdrawn from my account ( a day before I pay most of my bills  )  and distilled to a check that was not returned to me for several weeks.

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 2015-03-30
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection Company Resident Collect Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, Phone XXXX has falsely reported a back rent debt in the amount of {$6700.00} on behalf of my old residential management company XXXX XXXX. I had been a resident for 4 years at XXXX XXXX XXXX without any problems. Due to a job loss, I spoke with my property manager XXXX XXXX about about not being able to afford the cost of continued residency. He assisted me in ending the lease by setting up an intent to vacate agreement. with the agreement my manager stated that, " As long as you vacate the residence by XXXX/XXXX/XXXX, I will have plenty of time to re-rent the apartment. In the event that I do not rent it, you will only be responsible for the amount of time that the apartment was vacant until re-rented. '' I did vacate the premises in accordance with the agreement. On or about XXXX XXXX, I returned to my former residence to pay off the final balance of my water usage fee and check with the Property Manager about the status of re-renting my former apartment unit. To my astonishment, My Manager no longer worked there, and the property was taken over by a new management company named " XXXX XXXX XXXX '' as of XXXX XXXX, XXXX. I asked the new management team about the status of my former apartment. As far as they were concerned, I was told that the apartment was in good condition, and I owe them nothing. I fairness to myself and the former XXXX XXXX management company, I feel that my balance should amount to the number of days that I left the premise, combined with the amount of days up until they owned the property, which was XXXX XXXX, XXXX. My rent was paid for the entire month of XXXX even though I vacated the premise on the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied to XXXX XXXX, in XXXX, NC on XXXX 2013. I took XXXX XXXX classes, which is a 2 yr program. Every semester the school would do our loans and all we did was come in and sign the paperwork. The school notified the students that we no longer received our loans through Sallie Mae, and would not provide us with any more information. When I asked for all my paperwork explaining the fees for the loans, I was ignored. I further looked into the situation and found out that I was being charged ROOM and Board, Gas fees and additional fees that did not pertain to me. I have my own residence, supplied my own gas, etc, but the fees were being deducted from my loans regardless. I just do n't see why they were taking that money from me if non of those were provided to me. I would like some kind of explanation on why charge me for something that is NOT being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been struggling to pay over {$150000.00} in student debt to Navient which at the time I took the loans in XXXX was Navient. I believe that XXXX XXXX XXXX now Navient XXXX had my university XXXX University XXXX XXXX XXXX push private student loans as the secondary way to bridge the financial gap to pay for my education. Grants and scholarships were not promoted as much as private student loans, which I was left with the impression was the only way to pay for school. 

Since graduation XX/XX/XXXX I have had to declare bankruptcy ( student loans were not discharged ) and have had to deal with the unprofessional and mistrustful corporation for the last decade. In the last 10 years I have never been given the same information twice from customer service reps. I have been told crazy things such as, " do n't worry someone paid your loan off '' and promised low payment plans to " help '' when all they do is compound insane amounts of interest and fees. I have paid over {$50000.00} to XXXX XXXX / Navient but my loans have still ballooned from {$130000.00} to {$150000.00}, making no headway. 

Their XXXX number is outsourced to another country. The employees do not know what they are talking about and are hard to understand their broken XXXX. They charge a {$14.00} service fee to take a payment over the phone with the debt card, even though if you contact their collections department, based in the US, they do not charge a fee at all. The wait times are long and the phone system loops yous around and around. It is not uncommon to spend 45 minutes on the phone just to make a payment or resolve an issue. 

I have had payments meant for Federal loans be applied to Private loans and have had Federal loans go into 30-60 month passed due because of this. Recently, I asked for a total tally of how much I have paid them in total XX/XX/XXXX and no one can provide that info to me. I was told they do n't have that information. That 's impossible. I was told online through a customer service email that I could look it up online but when I searched the query, it said " Error - can not process ''. Deceit, lies, untrust are the words that come to mind when I think of Navient. 

No way out, no way to refinance it, struggling. Need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Piggy  Back on  Closed   File  :  XXXX  In response to your information : -I Called on   XXXX   to discuss the fraudulent credit inquiry on   XXXX    . After I called and gave private information to your Call Center, I got another hit on   XXXX   - from SYNC - I then again called on   XXXX   XXXX  o gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  X/XX/17    - from  XXXX  - I call again on     XXXX   XXXX  nd provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from  XXXX  I have called other places and provided my   XXXX   number via phone and no issue. But everytime I contact your contact center or  XXXX  bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  XXXX  times in a row, this provides me enough information to believe that somehow their is a breach between Transunion and  XXXX  transmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through   XXXX   bank has been processed either that day or the next day -  XXXX  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving   XXXX   bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls Transunion or  XXXX  and personal information/transmitted between  Trans  and  XXXX , that person private information is misused in another fraudelent inquiry from  XXXX  again.

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 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: TX
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:
The company which has still reporting the unauthorized inquiry in my credit report is Equifax.      XXXX   XXXX   XXXX  made the inquiry on  XXXX   XXXX ,   XXXX   by mistake and without my authorization. When I contacted  XXXX   XXXX   XXXX , they apologized and said file a dispute and when Equifax investigate it they will call us, we will tell them it was unauthorized and they will delete it.     Things did n't go that way, I filled the first dispute with Equifax Confirmation #  XXXX  on  XXXX   XXXX ,   XXXX   and Equifax came back to me with a letter stating that the inquiry is true and they wo n't delete it.     I called Equifax and they said first tell  XXXX   XXXX   XXXX  to send us electronically a note to delete the inquiry. I called more than  XXXX  different people in  XXXX  different departments at  XXXX   XXXX   XXXX  and no one said they were aware or know how to send such electronic note of deletion to Equifax, then I got an account  specialist  from  XXXX   XXXX   XXXX  on the line and we called Equifax to understand how to do it, but unfortunately, we found that even the outsourced call center reps in  XXXX  do n't know how to do it either! and they were unable to help or guide us to what to do next, and at the end, they said  ( Equifax ) h as no way to delete inquiries from credit reports!!     This is completely unacceptable, Equifax has no process in place for disputing or correcting such wrong info which impacting me personally. Equifax did not investigate anything, they did n't contact  XXXX   XXXX   XXXX  or me, they did nothing and wait about 30 days  (  as required by law ) and came back to me with a reply that this is true inquiry!     Equifax has a useless outsourced customer care call center overseas who has full access to our confidential info but no authority or knowledge to resolve any issue! they simply read from a paper of what they says.     I really urge or US consumer protection authorities and CFPB to take action and protect us from such companies as Equifax who are busy in selling our confidential and financial info to who pays more with out any fear or responsibility or our business losing, suffering or time wasting.     Today I filled another waste of time dispute with Equifax and spoke with them and they still repeating the same cassette, the  new Dispute  confirmation no.  XXXX .     Please help. and advise of how to convert this issue to a law sue?     Best regards,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TN
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 made additional payments towards XXXX specific loan each month : I would choose the 'do not advance my payments ' option but each month when the automated debit would be drawn from my account, the monetary value towards my loans would be re-allocated across all loans and not put towards the loan that I had made an extra payment on. Hence the money was not put towards the principle of the XXXX specific loan, but spread out over interest of all the other loans. This happened every month from XX/XX/XXXX, to XX/XX/XXXX I would call every month and have it fixed, and complain that I call monthly, then it was finally fixed in XX/XX/XXXX. I worry that the additional payments, or the large payment I made before payments were required, ( prior to XX/XX/XXXX ), were allocated incorrectly. 
It was a {$10000.00} payment, so if it was done incorrectly it would help a great deal to have that looked at and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This company AD Astra Recovery .The amount should be zero.It was paid off .But they did not take off my credit. And stay they sold to there company And other is a fault. I never use the company and do n't on came on my credit score. An d you see that they has same number  XXXX   XXXX   XXXX   XXXX   XXXX  account number  XXXX  and  other a ccount number is  XXXX  .And they have been try to same account number but change the number.This have been going on for over ten years or more

Company response to consumer: Closed with explanation