BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
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:
I HAVE SEVERAL STUDENT LOANS WITH XXXX XXXX TO ATTEND SCHOOL AND WANT TO MAKE SURE THAT I AM PROTECTED DURING THIS ACTIVE LAWSUIT AGAINST NAVIENT FORMALLY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NH
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:
Loan amount started at one payment then the payment grew higher and higher. It finally stopped a couple months ago then rose again this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
after discharge of bankruptcy, they placed XXXX or XXXX accounts on my credit report as open, that was not on there before bankruptcy was filed but they were included in the bankruptcy. and they when from reporting under central financial to syndicated office systems. These should not have been report after discharge. They Placed it on my credit report about 8 days after final discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
VISA credit card through Bank Of America -- -- -- -- -- -- -- -- -- -- -- -- -I refuse to use a DEBIT card. What I have chosen to do is pay an extra amount, over and above the XXXX balance of my VISA card, just in the event that I am hospitalized and therefore unable to pay my bills in a timely fashion. 

On XXXX XXXX, 2015, I deposited an extra {$170.00} into my VISA account, which is {$170.00} over my balance of XXXX ( {$0.00} ). This obviously means that I have a CREDIT in the amount of {$170.00} remaining to charge items. 

On XXXX XXXX, 2015, Bank Of America transferred (??? ) this money to what they have chosen to label " CREDIT BALANCE REFUND DEBIT '', and they labeled this as " FEES ''. 

Upon noticing this on XXXX XXXX, 2015, I called them, and was told by a very courteous and understanding representative, that this is a policy!!!!! SINCE WHEN????? In lieu of a DEBIT card, I place additional funds into my VISA account in order to cover those spontaneous purchases I make. I was told by the representative that Bank Of America is sending me a check!!! WOW!!!!! I thought internet banking was supposed to eliminate " snail mail ''. Why could they not simply transfer the money back to my checking account??? 

I know the banks just love those of us that pay our credit card bill in full ( LOL!!! ). It must be fabulous to know that I have extra funds on my credit card, therefore partially eliminating the chance that my payment will be late!!! Hey, no interest money paid to the bank!!! 

CAPITOLISM ... ... ... .make that money!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted BOA XX/XX/XXXX to let them know we wanted to short sale the home. I was told we had to apply for and be denied a modification first. I provided the requested documents, was contacted for more documents, and this cycle continued for five months. Despite sending in a requested letter of explanation on my situation in XX/XX/XXXX, and requesting a short sale, NOT a modification, my file remained in review for modification until XX/XX/XXXX. I 've heard multiple stories about the process to get this done and have received bad information, faxes and emails were " LOST '' phone calls NOT returned, etc., all to find out I am still in the beginning stages of NOTHING. All the while, I have a contract for purchase on my home that was signed months and months ago. Most recently, my real estate agent was asked to open a file in equator and when she attempted to do so, was unable to due to " lender placed property is already active '' error message. She reached out to BOA for help in getting access to my property in equator to move this along, and after several messages to XXXX people ( XXXX XXXX - XXXX ext. XXXX. His manager is XXXX XXXX - XXXX ), they still have not received a call back. The first message was left on XX/XX/XXXX ( SEVEN days prior to today ). I have also called the manager referenced above ( XXXX XXXX ) and have not received a call back. I have done everything in my grasp to make this situation right, and it 's dragging out longer every time I turn around. I can never speak to the same person at BOA and get different information almost every single time I call. With a check of the phone conversations ( which are recorded ) you can see the different stories I have been given. You can also look at the log of information BOA requested, and notice how quickly I have provided everything they ask for, sometimes more than once. The buyer who placed a contract on my home has to move from his current home XX/XX/XXXX. We are nearing that date and he is going to walk away if we can not make some headway here. This company is disorganized, lacking in basic knowledge and completely lacking in efficiency. I am seeking a manager or leader of some sort who can help me through this process. It has been over seven agonizing months of chasing my tail. While I understand a short sale can take time, unfortunately, I have n't even made it to that department yet due to sheer incompetence. Thank you for any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have multi complaints with Bank of America starting from XX/XX/XXXX. During this complaint process I have had too many " single points of contact '' to keep track of. I also have asked multi contacts to correct my Credit Report, where BofA says I did n't pay my mortgage. 
I received a letter from them in XX/XX/XXXX saying they would get my Credit Report corrected and they still have not done so. I also asked my most recent Contact person to look into before closing the last complaint w/ CFPB, which I was told that BofA believes they are correct and that I did n't pay or did n't pay on time. My Bank, XXXX XXXX XXXX XXXX, did some research for me and we are easily able to prove, again, that I did infact pay on time and in full. Please see attached.

Company public response: Company 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: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
On fixed income ( SSI ) sent in payments when due, received notices, and phone calls requesting more money due to late payments. They would not allow me to lower repayment amount nor alter my repayment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am receiving calls from Navient from XXXX until XXXX. They call up to six or more times a day and even call me at work when I have ask them many times not to do so. I have tried to work out arrangements but they want more than I can afford. I need relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CarMax Auto XXXX, XXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash, but CarMax Auto XXXX XXXX took cash. The Finance charge is suppose to include insurance, but CarMax Auto XXXX made purchase Separately. 

XXXX XXXX DEPARTMENT HELPED XXXX XXXX XXXX RECOVERY REPO MY VEHICLE ILLEGALLY FROM XXXX XXXX XXXX PARKING LOT VIOLATION 15 USC 1692 E ( 5 ) & 15 USC 1692 D ( 1 ) & 15 USC 1692 F ( A ) & ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
This loan was originally taken out in XX/XX/2007 and was used for XXXX at XXXX in XXXX, IN (now defunct) that I did not realize was unaccredited. I paid on the loan faithfully for a number of years until I filed a XXXX due to job loss. When I exited the XXXX I wished to repay this loan but was constantly told that it was still in XXXX. After over XXXX years of waiting and being told it was in XXXX they contacted me without notice and let me know the loan was past due and due to default. I almost didn't get enough to pay the payment. I also realized after looking on my account (after it was enabled) that the loan had incurred $XXXX dollars of interest and that they did not taken off my co-signer which was promised to me after paying the first year of the loan. I feel this loan is predatory and unethical and I'm not sure how I'm going to pay for it. With no options for Private Loans, it has become frustrating, and upsetting. I'm unsure how I'm going to move on with my life with this loan in its current state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
At the end of XXXX 2015 I applied for a mortgage with Bank of America ( BofA ) to buy a house in XXXX, VA. I provided the Loan Officer with any information requested and I told him that I live and work XXXX ( XXXX ) because I 'm a XXXX. On XXXX XXXX BofA charged me {$450.00} for the property appraisal which was done on XXXX XXXX. On XXXX XXXX the Loan Officer informed me that my application was rejected " because you are XXXX and buying a property here ''. Considering that the basis for denying my application ( XXXX ) was known to BofA since the beginning of my mortgage application, BofA should have denied my application right away and for sure they should n't have ordered ( and charged me ) the appraisal cost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
It 's unscrupulous and dishonest : Bank of America emails me a credit card statement on XXXX XXXX, 2015 for the previous billing period. I schedule a transfer for XXXX XXXX, 2015 for an amount of {$25.00}, taking care of the minimum payment of {$25.00}. The transaction is posted under both my bank/checking account and my credit card account on XXXX XXXX, 2015 ... .The next statement date comes and I receive a statement, on XXXX XXXX, 2015, saying I am past due. I call Bank of America, XXXX, and get a very terrible, lackluster response : " timing is everything ... '' and they say that 'the payment was made on XXXX XXXX, 2015 so this counted towards the period before and not the period in question. ' However, as I stated, online you can select the transactions on a drop-down menu to show what took place in what period ... The payment of {$25.00} is clearly placed in the XXXX period and it is dated as XXXX XXXX, 2015. The fact of the matter, now, is that I 'm not too intrigued by Bank of America 's questionable reporting practices and their clear lack of a good -- not necessarily favorable -- but good response to the matter ( XXXX that makes sense ). At this point, yes I would like it resolved, but honestly, I would really like this matter to be looked into further for fines and penalties from regulatory agencies : I receive their bill on XXXX XXXX, 2015 and pay on XXXX XXXX ( or even on the XXXX somehow like they state ), and get punished for doing so. There is a clear discord among their system that is tremendously unfair and misleading to their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Greetings I am not sure if you can help I enrolled in XXXX college XXXX. XXXX loans are due paid before graduating I became delinquent because it was hard to keep up with XXXX loan before graduation. I was dropped from the program because of delinquent account. After wage garnishment I successfully completed a student loan rehab program and I was excited because now I can go back to school and finish to get my diploma in business. Well in XX/XX/XXXX XXXX college schools have all been shut down leaving me with still a XXXX loan I pay for every month I tried contacting Other schools and nobody wants to accept XXXX college credit units. Do I have a case for relief? I am not sure what else to do because I currently have no options. I have a huge debt burden get paid little money and I do n't have the opportunity to complete my program because XXXX schools no longer exist and no body wants my units? I know it has been years but it took me years to bring this student loan current I went thru wage garnishment and finally I enrolled in student loan rehab and did not complete that until XX/XX/XXXX and them XXXX XXXX took over and now nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: CO
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 have been repaying a student loan since XXXX the loan was consolidated in XXXX. After consolidation the loan amount was {$27000.00}. I had trouble repaying early on and the loan was put into forbearance. This happened twice. Interest capitalized several times to the amount of {$23000.00}. I have made payments over the years totaling {$60000.00}. I have looked through my account and I do n't understand how I still owe over {$34000.00}. I have reached out to XXXX ( now Navient ) many times over the years and the response has always been " oh well that 's just how it is ''. If I took out the loan in XXXX and repayment was over 20 years at 8 % and I never deferred payments, I would have paid the loan off in XXXX and total dollar amount of payments would have been {$54000.00}. I take responsibility for my lack of knowledge in how capitalized interest works but I was never counseled by XXXX ( Navient ) on how to manage this debt, even though I asked for help many times. I should n't have {$34000.00} still to pay on my student loan. It feels a lot like the government is profiting from student borrowers lack of understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
School : XXXX University, XXXX, TNIn 2013, Navient guaranteed that if I put {$1500.00} down and agreed to a Reduced Interest payment plan on a charged off private student loan, that they would in return XXXX ) Bring me to a " current '' state on my account, XXXX ) guarantee 0 % interest on future payments, XXXX ) Report to all XXXX credit bureaus that I am current and no longer delinquent. All of this would be fulfilled XXXX 3 months of timely payments were received by them. That was 2.5 years ago and XXXX payments ago. I have had no late payments and have had no missed payments. I have done everything I was told to do in exchange for false promises. Navient is still making derogatory reports to the credit bureaus and they have yet to fulfill the promise of any of the above. According to their reports and to all of my credit reports, I am XXXX payments late and have an amount of {$2600.00} past due. I have called over XXXX times in the last year and have gotten nowhere. Today, however, it was admitted to me for the XXXX time by a Navient rep that I was indeed " misinformed '' when the above terms were guaranteed in exchange for {$1500.00} down and my agreement to a reduced interest payment plan. She said that there was a period of time when customers were told this information " erroneously. '' And the only thing she could do is apologize. I feel totally taken advantage of and duped. I am completely fine with paying back loans that I owe, but being lied to in order to take advantage of someone is wrong beyond words. This needs to be brought to the public 's attention immediately. This company is unethical on so many levels. 
The XXXX people responsible for making these promises on behalf of Navient are XXXX XXXX and XXXX XXXX XXXX. I was called over and over again by XXXX individuals and was threatened with legal action if I did not agree to these terms. I was asked if I had any jewelry or anything valuable that I could sell, so that I could provide them with a down payment to avoid court. I succumbed to the pressure and borrowed money from friends and family in a difficult financial period in my life and made it my mission to pay Navient each month on time. I have stuck to my word. They, however, have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: Navient Solutions, LLC.
State: MS
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 loans through Navient were deferred because I went back to get a XXXX XXXX. I graduated on XXXX/XXXX/2016 with my XXXX XXXX. On the Navient website, it showed I did not have any payments due by my typical date of the XXXX of every month. In late XXXX ( after the XXXX ), the Navient website said I was due with a payment on XXXX/XXXX/2016. I paid all the requested amounts on all my student loans, and paid extra on XXXX of my student loans ( so that I could pay that XXXX off early ) - and this all happened on XXXX/XXXX/2016. My account on this date showed everything was paid properly and there were no notices of being late. 

On XXXX/XXXX/2016, I received my first e-mail that I had a payment due on XXXX/XXXX/2016 - except it was more than I expected. I log in to Navient and see notices that all but XXXX of my student loans was past due, and the past due amounts were past due for the exact amounts I paid on XXXX/XXXX/2016 for the payment due XXXX/XXXX/2016. I called customer service to get it corrected, but unbeknownst to me, they corrected by taking the amount I overpaid to XXXX loan and split it up amongst the ones that were overdue ( thereby reducing the overpayment intended to go to that XXXX loan ). 

Later in the day, I did not understand what they did, nor did I receive any notification over the phone or through e-mail about this matter, so I called them back. After sitting for a grueling 1.5 hours on the phone and asking to speak to a manager, I came to understand that since I graduated on XXXX/XXXX/2016, they backdated a payment due on XXXX/XXXX/2016, hence my original payment made on XXXX/XXXX/2016 for the XXXX/XXXX/2016 due date was retroactively applied to a payment that was backdated due XXXX/XXXX/2016. After asking how they can backdate a due payment over a month later, I was told it does n't matter because I was assessed no late fees and my account was up-to-date. At this point I hung up because further conversation was as pointless as watching paint dry. 

At no point did Navient notify me through e-mail or mailing that I had a payment due on XXXX/XXXX/2016. And at no point did Navient notify me that they were going to backdate a payment due on XXXX/XXXX/2016 - both e-mails and their website listing of messages prove they made no attempt in notifying me. 

If I had not overpaid that XXXX loan and had it split up to cover this ghost due payment, I would have been listed as being late and charged fees. I do not feel like I can be the only XXXX this has happened to, because in my talks with customer service, it is evident there is gross mismanagement - especially when my questions about how they can do this went unanswered and I was told it does n't matter because the account was up-to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a XXXX account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote XXXX a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired Portfolio Recovery to harass me relentlessly by calling. I made a mistake of writing a check to Portfolio Recovery ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation