BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: MO
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:
Navient has had a glitch in their system for 3 years, which I just found today, that shows that I owe {$0.00} each month on a specific loan. Where in actuality, I owe a specific amount each month and am being charged a very high interest rate and they are just sitting there collecting the accrued interest and money that I will someday have to pay back. I called and asked about this issue and they told me that it shows that I owe a certain amount each month and that it is in fact a glitch on their part. I asked them if they are going to waive the past 3 years of interest it accrued unbeknownst to me and he told me No, that it was my fault for not catching it sooner and that it specifically tells me each month on my statement that that amount is due. So I pull up the statement and it shows the loan, but everything says {$0.00} and every time I would go and try to pay on those loans as a group, it would always tell me there was {$0.00} to pay on it. I just assumed that it was the loan I paid in full a few years ago and showing that I owed {$0.00} on it. This is not the first time that something like this has happened with them. They have repeatedly wrongly allocated payments and charged me late fees, pushed me into forbearance multiple times, denied my release of cosigner after they told me I would be approved, caused confusion from their terrible user navigation on their website and automated phone system, locked me out online, and now this shady business of a " glitch '' in their system that they claim is my fault. I wish I would have never done business with them. It 's funny how easy they make giving you money and how hard they make it to repay them. They have caused so much stress to my life these past 5 years and I am currently seeking how to not have to do business with their company anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a savings & checking account with Bank of America and the checking accounts have been closed due to negative balances. I have been trying to make this right because I use my savings account for everything and they are constantly charge me fees. I was told by them that because this account is used so often that the FTC would make them convert my account to a checking account. I wanted a payment plan and was told someone would contact me but this has n't happened but the fees keep coming. I believe they are not helping me so they can continue to collect these fees and for all the fees I have paid they could have been applied the fees to the balance I owe the bank. Please advise me as to why I have to continue to pay fees when the bank has n't complied with setting me up on some type of payment plan to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
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 am deeply disturbed by the recent news that the Navient, formerly XXXX XXXX is going to be subject to enforcement action by the CFPB due to their business practices. Both my wife and I have a consolidated account with them and want to pursue assistance to deal with the unfair and deceptive business practices of that company. We consolidated in XXXX under duress and with no options or discussion of the impact of that decision. Due to our financial situation at the time, we were told that deferment would be the best option and at no time was any income-driven plan discussed for repayment. We spent MANY hours on the phone between XXXX and XXXX in attempts to resolve our situation, or work out a solution, but it is clear there were other options that were not discussed. In addition, because we consolidated accounts as spouses, we are not able to apply for public-sector forgiveness that is available to others working in our same jobs, solely due to the fact that we consolidated under the direction of XXXX XXXX. Between XXXX and XXXX we accrued interest and late fees totaling approximately {$20000.00} as our balance in XXXX was {$58000.00} and in XXXX it was approximately {$78000.00} ; we have been working to pay that down since then and our current balance is {$71000.00}. I am requesting your assistance to reduce our loan amount due by that amount as we have suffered excessive charges that would not have been applied to our account had this matter been discussed. Finding proof that XXXX/Navient appears to have deliberately acted in ways such as this is sickening as it directly impacts our family 's financial future. Thank you for your assistance.

Company response to consumer: Closed
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America posted a balance overnight after midnight and automatically charged me an over draft fee. Their policy is you have 24 hours to rectify the situation and they ripped me off. I contacted XXXX managers who XXXX told me normally the policy is to allow consumers 24 hours to put the funds in. They were both extremely rude and condescending. They ripped me off and then gave me an attitude. I want my overdraft fee returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from Bank of America for servicing. 

The loan amount that was due at transfer was XXXX. 

XXXX needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, Bank of America, and reflects a XXXX balance. 

I 've attached the most recent update from Bank of America referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

XXXX need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, Bank of America. 

There has been no activity on the account since the transfer to XXXX ( ie no payments or payment agreements ). 

I am communicating via the CFPB because XXXX 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.

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 2015-04-27
Company: State Collection Service, Inc.
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I discovered a Collection Agency " State Collection " on my credit report ( XXXX ) claiming funds on behalf of XXXX XXXX XXXX. I contacted the Collection Agency XXXX XXXX / Supervisor ) to let them know my account is and has been paid in full since XX/XX/XXXX. XXXX told me this account would go to their " Client Services " for review. I also contacted XXXX XXXX XXXX ( XXXX ) to clarify this claimed account, and it was verified any debt ( s ) have been paid in full. I was told by XXXX XXXX XXXX to call State Collections back to let them know it was verified the account was paid in full, and they do not understand why I was submitted. Since then, this claim has not been removed from my credit report. I called State Collection again today ( XXXX ) and spoke with XXXX, and this time she gave me XXXX stories. The first story was they sent me an itemized bill on XX/XX/XXXX ( not received ) then she changed her story telling me they contacted XXXX XXXX XXXX but received no documentation from them. I immediately called XXXX XXXX XXXX back and spoke with XXXX, and she again verified I owe nothing to the hospital, and they DO NOT conduct any business with " State Collection '' and do not understand why they would be making this claim. I am at a loss of what to do now. I am not getting any results from either claimant.. Please advise ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Summit Financial Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My Auto loan is with Summit Financial Corporation in XXXX Florida. My loan papers given to me from the dealership at the time of purchase state that my " payment due date is the XXXX of each month, and considered late if paid ten days or more after the above stated due date and buyer will incur an additional {$50.00} late fee. '' Summit Financial has not given me any New paperwork to sign for any new due date or additional fees, but began telling me ( after my first year and a half ) that i am past due. They are saying i am due on the XXXX of each month and want me to pay micelllaneous charges but ca n't tell me what the itemized charges are. They do not send me a statement, but only a letter telling me i am past due, micellaneous charges of {$300.00} dollars, no new balance ( balance never changes even after they get payments ). They argue that I have the wrong understanding about the contract and they they do not recognize what the dealership gave me. Only what is on thier computer screen. I have noticed that there are others on a blog site that are having the same problems as I. Surely they can not change my finance terms without me signing a new contract. 
Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: POPULAR BANK
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was contacted by ELoan.They would give me a loan for any amount.All I had to do was get a XXXX card for {$170.00}. Then they would deposit the money into my account within 30 minutes. That was 3weeks ago. They called back and said they trouble putting the money in my account. My bank would not except the amount. So they called back again and told me to get a money gram for {$250.00}. Then they would give me back the money in a money gram and a cashier check. I called them back the next day to find out what happen and they said it expired and I would have to get another money gram again for {$250.00} and was so made and I said I could n't they said it will be a XXXX mintues again. So stupid me did will they said they money gram had technial difficultes and would call me the next day at XXXX. That did not happen at all. Now they wanted a {$380.00} to get my credeit score up to XXXX. If I did't pay that they would have it freezed by FCC. I did not have the money and I jut want my {$690.00} back into my bank account that they have.. i just live paycheck to pay check.Here is the Number of the XXXX I have not signed a thing with them it as all been on the phone Please help me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Amsher Collection Services, Inc.
State: OR
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:
I filed a police report, filed a complaint on identity theft, placed identity theft with XXXX, XXXX and XXXX that this debt was not mine and that my identity had been misused. XXXX XXXX has continued to place with collection agencies after I personally notified in writing and called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid, was a  charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is  stated as FP ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced  by credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason  XXXX  took such action was because I express dissatisfaction with how  XXXX  was handing my credit investigation with  XXXX   XXXX   XXXX  . The  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment

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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
They would not allow me to lower my payment. Then they would allow me public service forgiveness on my loans stated they dont do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
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 never fully informed that I need to consolidate my loans to be eligible for forgiveness. I was told that because I work for a non profit and I am on the " Income based repayment '' plan, I would have my loans discharged after x amount of payments. Three years later, in conversation with a representative, I was told that because I did n't consolidate I am out of luck. I consolidated, but now have ten more years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

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: Navient Solutions, LLC.
State: OH
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:
My student loan is through Navient. 
I calculated my minimum payment for my loan and I got {$830.00} but Navient told me I have to pay {$950.00}. I called them and told them there is a miscalculation but they would n't listen to me and tell me " its better for you, you will pay it faster ''. I told them that is for me to choose. If I want to pay {$100.00} more ill pay extra but I want my minimum payment to be the MINIMUM amount as the name suggests. I had to call XXXX people explain to them math and now they do n't know how to calculate until they agreed that they had miscalculated and reduced my minimum payment. For the past year I was paying over {$100.00} more on my payment when I should n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check that was payable as " cash '' on XXXX XXXX 2015, on the next day the check was put on hold in my account but the founds had already being transferred from the account of the person who wrote the check. As of XXXX XXXX 2015 I contacted the customer service of Bank of America and I was told that the check would not be credited in my account because it was written " cash '' instead of my name on the check, because there was a possibility that the check could be returned for insufficient funds, and that I will have to wait another 5 business day to have the check returned. It does n't make sense since the funds have already being removed from the account of the person who wrote the check. In addition, I spoke with XXXX representatives who were very unwilling to help me and who spoke with me like a machine not providing full answers to my questions.,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On the personal information for my credit report list a home address of XXXX XXXX XXXX XXXX XXXX Ohio XXXX. Id number XXXX. I never lived at this address. Also i have never used the name XXXX. id number XXXX

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 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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 had a Bank of America account in 2009 and some one got a hold of my checks and over drafted my account by over {$1700.00}. Bank of America refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to XXXX. We are disputing this for a XXXX and hopefully last time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient is a predatory lender. 

My student loan I took out on XXXX/XXXX/XXXX Loan number ending in XXXX also attached at 3.75 % interest that was until XXXX XXXX XXXX set at 3.75 % has now been raised to 4 % interest rate! This is completely absurd to raise my interest rate. Also I am on an auto pay program and still they have raised my loan rate. 

Secondly I was charged a ridiculous repayment fee for my loans. A fee to start paying back my loans on top of the consolidation of all the interest. Navient over the years has harnessed me with bill collector phone calls and pushed me around to other customer service representatives time and time again and has never resolved my issues with the repayment fees. This lender is charging absurd amount of extra money on top of already getting XXXX of dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried to work with Bank of America my Servicer since XX/XX/XXXX. I have not been able to complete a loan modification due to XXXX Customer Relationship Managers and XXXX folks from the Office of the CEO for Bank of America. During a Loan Modification XX/XX/XXXX they removed my Customer Relationship Manager and sent my loan to Foreclosure. I sent in all the documents that were required. They lost my XXXX to reinstate my loan and took my 10 days to get them to find my money to reinstate my loan. I applied for a modification and Bank of America never returned my calls or worked with me. I have been in contact with someone from Bank of America 's Executive Department and he wo n't call me back since XXXX CST on XX/XX/XXXX. Today I have received a letter that I no longer have a dedicated Customer Relationship Manager and I have left multiple messages an NO ONE returns my phone call as I 'm trying to resolve this matter. The allonge to my note finally presented to me says I was sent into a securitization. I have asked my Investor, XXXX XXXX XXXX XXXX to provide me with a copy of the PSA and no response. The allonge to my note was endorsed by Countrywide Home by XXXX XXXX ... .with initials only and after contacting the Secretrary of State of California that is not her notorized signature transferring real estate only my note was initialled. I have offered to make arrangements to settle with Bank of America and the note holder for the Securitization with no response.

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