BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-21
Company: Netspend Corporation
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
An unknown party attempted to defraud by spending around {$500.00} on goods. That vendor contacted me, confirming I had not placed the order. NETSpend had the funds designated as Pending. After demanding a XXXX way call with the vendor and netspend and me, netspend demanded an email confirming extensive information, which the vendor sent that moment. Netspend has still not credited me for the funds. AND then I got an email from Netspend saying my account was on HOLD and I needed to contact them and order a new card. My funds would be held up for a long time ... they would not allow me access to the funds, insisting that the hold could not be removed. This is my social security money they are holding on to. Reference 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 2016-06-28
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:
I have had a student loan with Navient { formally XXXX XXXX } for over 12 years they have made it impossible to pay off the loan by changing the terms of the loan without letting me know. Late fees were charged six times for one late payment as well as a fee for XXXX forbarence that was charged five times .The amount of interest taken from each payment no matter what the percentage of the loan was ridiculous. On a XXXX dollar payment almost XXXX dollars was taken in interest in one month and the amount of the loan I had to pay would jump up by thousands for from time to time. When I requested a print out of all the payments that were made they neglected to send a copy of 3 years of payments.. I can not understand how they can do business with all these things that do not seen legal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have multiple complaints. 
1. My husband and I became unemployed in XXXX and applied for a Special Forbearance we were approved and was told we had to make payments of XXXX my question is if we were unemployed how do we pay XXXX a month? I maxed out my student loans just to make the payments up until XXXX because school ended in XXXX I could not get any more funds. I thought when I got my taxes I would pay past due and then continue to make payments. However, my taxes were delayed 3 months due to marketplace insurance. In XXXX we received a letter denying the Special Forbearance and was told we did not qualify for any other programs. I was told by the XXXX Georgia rep this month that if we were unemployed we should not have been required to pay anything. Now I am in default with my student loans. 
2. I received advertisement that my house has a foreclosure sale date of XXXX XXXX, XXXX. I did not receive any default paperwork nor did I receive notification of any kind pertaining to the sale. I received a letter from an attorney that my house was in foreclosure dated XXXX XXXX. At which time I contacted Bank of America to start the process for a loan modification at which time the representative should have disclosed the sale date to me. I tried applying sooner but was told that we did not qualify for any programs. I tried applying when my job started working in XXXX and was told that I had to have 30 days of paystubs in order to apply. I called Bank of America after getting flooded with advertisements. to inquire why I did n't receive any notice regarding the sale date the rep said that a notice dated XXXX XXXX, XXXX was mailed indication default and foreclosure status. The issue that I have is that my loan was modified and bought current in XXXX at what point is the foreclosure status removed? I should have not been blindsided new notification should have been sent to me. 
3. Bank of America will not release {$3000.00} of funds paid by my Homeowners Insurance Policy for my roof a year ago. They are requiring a roof company to fix the roof and we can not afford the deductible and the roof companies will not do it for less. I have someone that will repair the roof but BOA will not release the funds

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 2017-01-29
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've had several instances. The first one was when I made a payment and navient decided to allocate funds from one of my loans on the other leaving me short on one of my loans causing me to get a late fee and a hassle to get them to fix it on there end. And I 've also experienced many times when they 've taken a smaller amount of funds for my loans leaving me with late fees. And because of these late withdrawals and leaving me short they 've increased my interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Beginning in XXXX and for about two years thereafter, Bank of America repeatedly canceled our XXXX card and issuing me and my wife new ones. The claim each time was that BoA had been hacked and they were doing this in order to protect us. I estimate this happened 5 or 6 times. 

But it just came to light that XXXX XXXX was doing something similar in order to make it look like they were selling more services, so I am suspect of BoA 's true intentions. 

To be clear, this did n't cost me anything and I do n't believe it affected my credit rating. It was just a hassle, and it actually proved to be counterproductive to BoA as we began using a different card for all purchases, minimizing our usage of anything BoA-related.

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 2017-01-31
Company: Navient Solutions, LLC.
State: MI
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:
I graduated from XXXX College, XXXX XXXX, Michigan with my XXXX in XX/XX/XXXX. Soon after graduation I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I tried to make my payments on my student loans during my employment with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was again laid off due to the bankruptcy of XXXX and XXXX. I was n't gainfully employed with an acceptable wage until XX/XX/XXXX. During this time my student loans were in deferment. I was under the impression I did not have to pay for the interest accruing on my loans. In XX/XX/XXXX I started paying on my loans and over the past year and half I have barely touched the principal balance on my loans. I currently pay my loans through Navient. My account number is XXXX and I currently owe {$27000.00}. XXXX unsubsidized Stafford loans and XXXX subsidized Stafford loans. 

Last week I saw on the local XXXX media news stations that a lawsuit was being filed against Navient from the federal government. I am writing to inquire if I am eligible to be part of the federal law suit. 

I appreciate any assistance that can be given to me. I can provide unemployment verification from XX/XX/XXXX to XX/XX/XXXX. 

Thank you in advance for your assistance. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Navient Solutions, LLC.
State: CT
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:
This complaint is part of an ongoing issue with Navient in which my loans have been significantly mismanaged, resulting in improper loan amounts being displayed on their website with additional, fabricated interest amounts appearing, etc. Please see my prior complaint for more details. 

Most recently, Navient escalated my case to the " Office of the Customer Advocate, '' where I spoke with " XXXX '' at XXXX, extension XXXX. Although I signed up for automatic payments approximately four months ago, the amount has not once been debited from my account. Instead, my student loan payments appear as " late '' on the Navient website each month unless I pay manually. I resubmitted my application for automatic payments and, according to the website, it is complete, but my loans are still not being debited from my account. The first time this happened, I called XXXX back and spoke with him about the issue, and he said he was submitting a manual payment to take care of a loan amount that was several weeks late. He never submitted the payment. I tried to call him back again, and he ceased answering his phone or returning my calls, despite my leaving several messages and speaking to a " supervisor. '' I remain required to make manual payments every month despite the Navient website claiming my payments will be made automatically. 

In the screenshots I 've attached, please note that the payments are pending only because I submitted them manually prior to taking the screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MI
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:
I was in the process of trying to purchase a home when a loan I previously consolidated appeared on my credit report. I attempted to make contact with Naviant and the XXXX and they both stated they did not have the loan even though it appears on my credit. My current situation is that I am being garnished by the loan serviced Navient even though they claim they have no record of my account. I want to pay what I owe but I question their calculation and the lack of information regarding status of my loan. I have waited on the phone more than 3 hours total over 4 days trying to rectify. I need to know my next steps. I have notified all of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent Equifax a request to remove a Tax Lien from my credit report. The Tax Lien has been withdrawn by the IRS. I forwarded all documents to Equifax to document my request but they still did not remove it from my credit report. I need to have this item removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Upon graduation, I contacted Navient on the repayment on my student loan. They told me that I no longer qualified for the 6 month grace period since I already used it the year before when I had to take off XXXX semester due to moving out of state with my husband who is in the XXXX XXXX. My college told me that I should still be eligible for a 6 month repayment grace period directly after graduation. I also contact Navient to ask them to lower my monthly payments since I was expecting to have a 6 month grace period and I was still looking for full time employment. They were very rude and said that they could not help me as there was nothing they could do and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called Bank of America to activate my card as an authorized user, which I received in the mail. The call went to the Fraud Dept. They said that my mom 's account was on hold by the Risk Dept. XXXX of the Risk Dept said she could not speak with me about the account. She needed to speak to my mom as the primary account holder. I got my mom on the call. She asked my XXXX XXXX XXXX mother, who does n't speak XXXX and for whom I have always handled her affairs, to tell her how long she has lived in her current address. My mom could n't remember the exact date but said we had been living there for XXXX something years. The correct answer was XXXX. XXXX said that was an unacceptable response and was unable to verify the information and refused to assist us any further. When I asked to speak with a supervisor because she was being difficult, she hung up the phone on my mother and me. She was rude and unprofessional. Now, every time I call back, XXXX must have written some notes on the account that would force us to go into a Bank of America branch because every person we have asked for help has refused - with the exception of XXXX ( I think that was her name ) which could relate and empathize as she cared for elderly parents as well. And even when speaking to a supervisor and answering the security questions correctly because I am looking at the details online, I was told that they could not verify my mom and could not help us further. In my 44 years on this planet, I have never, ever been subjected to this mistreatment in my life by a credit card company. Please help.

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 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1900.00} on XXXX XXXX, 2016. On XXXX XXXX, I was told clearly by XXXX, a teller at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX that the check had " no hold '' and cash was available. I told her that this was related to an online ad, and I had to know for sure that the check had cleared and was definitely legitimate. I asked her a second time, is the money definitely and permanently in my account so I could proceed, and she said yes. However, on XXXX XXXX, the {$1900.00} was taken out of my account. Apparently Bank of America did not follow the right procedure for clearing the check, and then took money away from my account that was definitely mine. Based on an XXXX XXXX conversation with the branch manager, XXXX XXXX, the branch did not violate OCC guidelines regarding clear communications with customers in explaining the difference between funds available and a check being verified. They had followed those guidelines. Instead, Bank of America 's corporate office had erroneous information in the database about the check being cleared. The branch reported that the check was definitely cleared because that was the information they had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: National Account Systems of Omaha, LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no contract with this company. I send them a letter verified requesting debt validation. I requested for the original contract bearing my signature and also my letter asked to show proof that the debt was under limitation. Also I requested proof of the collections agency being licensed for my state. According to the contract send by XXXX they are reporting outdated information falsely re age this account to collect. This collection agency has re aged this account according to the original creditors date of first delinquenc in a letter they send me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-08
Company: Risecredit, LLC
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This company loaned XXXX and with all the interest fees it is charging over XXXX. I have defaulted on the loan and it was sold to a collection agency XXXX. I was able to dispute the loan with this company and have it erased from my credit report, now the original lender is trying to come and collect, once they sell the loan they no longer can collect on it.

Company response to consumer: Closed
Consumer complaint received 2016-12-17
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
When clicking on the Loan Cost and Terms, link over the course of a week keep getting a " We apologize for the inconvenience but we have encountered a system error. '' When Requested a quote was not given the information requested

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There is a company that has had a collection on my credit file and I can not get them to reveal what the collection is for. As of yesterday they " updated '' the debt as to make it look like a new debt even though it 's been reported for a number of years now. I do n't feel their tactics are correct or ethical. I have been dealing with this issue since last year when I was in the process of getting a loan for a new house. The companies name is Syndicated Office Systems.

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 2016-12-29
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 requested a copy of my promissory note a month ago to review the terms because I 'm considering consolidating my loans. Navient advised that it would take a few days to process. The only information I received in the mail was a copy of the previous servicer/lender history. I called again today ( XXXX ) and they initially advised me that they did n't have a copy of my note. When I pressed them on the issue they advised that it would take another XXXX14 business days to process the request. My payments are increasing on XXXX/XXXX/17 so I need this information quickly in order to make a decision on whether to consolidate. If Navient does n't have my note, they should not be collecting funds from me and these loans should be removed from their systems. If they do have my note, they need to send it to me quickly, preferably via email and if not email they should overnight it via XXXX or XXXX. Again, I need this information very quickly in order to make a decision about my financial future. In addition, I have some variable interest loans and the interest rates were just raised by the Fed. If my payments are increased before I 'm able to consolidate because Navient failed to send the requested information, they should be held responsible for any change in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am trying to deposit to my BoA checking account ( BoA branch XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) for the amount of {$2400.00} ( {$2400.00} cash and {$30.00} in check ) and was told by the bank teller and branch manager ( XXXX XXXX XXXX ) that they would need to see my ID and SS # in order to make the deposit. I told them why they would need my ID and SS # since this is just simple a deposit no withdraw or check cashing and I have included my account deposit slip and they should have all the info they need. They told me this is a new law that BoA enabled recently for all cash deposit. I told them this the first I heard of this and asked for the statute number of the Act and they could not provide me one. I told them by law they would need to either disclose by mail or posted at the facility such as XXXX, CRA, or Fairling Lending Act. I fell that I was targeting, profiling and discriminated against based on my XXXX and XXXX. Please help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Grant & Weber
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FINAL NOTICE, i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount between me and the creditor is the only form of validation, This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME

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: VA
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:
It will show up on my account that no payment is due and then they will come back saying I owe double and I can have late fees/penalties. It 's not usually accurate and it messes up my finances every month.

Company response to consumer: Closed with explanation