BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: MA
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 took out a student loan from Navient ( at the time XXXX XXXX XXXX when I was in college at XXXX XXXX. My senior year, I needed an additional loan, so I went back to XXXX XXXX, and because I did n't know anything about borrowing money or taking out loans, they offered me a loan " just like my first one ''. It turned out that that loan had nearly twice the interest rate. After college, the job market was terrible and I did n't make much money and was just paying interest. As years passed and I got a good job and made more money and XXXX XXXX became Navient, I made MORE than the minimum payments for years to Navient - but little was changing with the impact in my student loan debt. I did research and reached out multiple times, and what they were doing was, taking my {$200.00} per mo payment, putting as much as they could towards the interest on the high interest 2nd loan, and the rest towards the interest and principal ( the little that was left ) towards my lower interest first loan. I was treading water essentially for years ( I also have had another loan with XXXX XXXX, and I still have one with XXXX XXXX XXXX that has changed hands multiple times ). When I reached out, I told them I wanted to adjust the percentage of how my payment was being used. They told me I could n't. They lied about a few other things and then eventually they told me that " they have no control over how the money I pay is allotted to my loan sequences. '' So I saved my money, and when I had enough to pay it off in full, I called back and said that I want to pay it off. They said it would be hard, they may not be able to do it, excuses, excuses. It took months, but I had to write an actual letter and mail it, asking for my loan sequences, asking for payment amount. It took them forever to respond. I then had to write an actual check to pay it off. In the meantime after I uncovered this awful practice, I paid months of interest during this process ( on top off all the shady business practices they had that made my payments go towards little of my principal ) and I finally paid it off. If i did n't have the money to pay the lump some a few years ago ( around XXXX or XXXX ), I never would have been able to do anything. I was given a predatory loan when I was in college and they used predatory practices to keep me in debt. I still have that first loan remaining with them and 10 years after graduating, I can say that this company has done a lot of negatively impact my life and I 'd like to join any lawsuit or class action lawsuit against this company. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I tried to deposit XXXX checks into Bank of America 's ATM ID # XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The ATM made all kinds of crazy sounds, took my XXXX checks in the amount of XXXX, XXXX and XXXX totally XXXX. ATM gave a message of something like ERROW and kept my XXXX checks. The ATM did spit out a receipt stating " We apologize for the inconvience. We are unable to process your request and can not return your items. I have the receipt if needed? 

Bank of America 's claim number is XXXX, I spoke with XXXX in ATM Fraud Dept. 

Today I call Bank of American 's Customer Service number on the back of my Debt Card twice. After going through all the phone prompts, a message came on saying " due to unforeseen circumstances we ca n't take your call ''. Then the phone call is disconnected. 

I want the XXXX checks found in this ATM and my account needs to be credited XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I been trying to waive XXXX of my loans due to school closure in 2014. All the people at Navient just keep giving me the run around. They tell me I need this and that and once I provide the information. They all of a sudden say I need something else. I provide that information again and once again am told that I need something else. Are you kidding me? They put you through a loop so you can just give up. I am tried of their games. Why ca n't they do their jobs and get this taken care of. Waive this loans were something so simple and yet turned out to be something that is taking longer than 3 years to do.. I am now still waiting on them to submit me a letter so I may take it to another school to confirm that my credits do n't transfer. This is so unprofessional how they are handling my loans. The dean over at XXXX of the schools never heard of the lender requesting a letter stating that my credit do n't transfer. I this this is XXXX. it is just another loop to keep me hanging and not processing my request to waive XXXX loans due to closure of the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
For over one year I have had no access to my student loan account at Navient.com. I have reached out to Navient countless times. I was told that my social security number was associated with some one else 's name. I was referred to the fraud department at Navient. I was told by the fraud department that the problem was cleared up, and that I should be able to log on to my account, I could not.I called back a XXXX explained my problem, I was then told to mail a copy of my social security number to Navient.XXXX XXXX, XXXX XXXX, XXXX, XXXX. I sent the copy as requested, when I called back I was told that they never received the copy, I expressed my concern about my social security number being misplaced and mixed up. At that point I was instructed to fax a copy of my social security number. I did. I still have no access to my account. Against my better judgement, I paid my payments over the telephone using my debit card. I expressed my concern over this because of the way my social security number was handled. I have spent countless hours on hold, unable to get answers as to why my social security number was associated with someone else 's name, if it was resolved and how, if someone has access to my social security number, and what happens to the copy of my social security number. Further more, I am afraid of derogatory remarks on my credit report due to this situation. My credit is less than stellar, but I have been working very hard to improve it, with success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: MN
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:
When I submit a payment for my student loans on Navient 's website, I receive the standard email confirmation and, a few days later, I receive a follow-up email stating " Your recent payment has posted to your loan ( s ) ''. Several days after the XXXX email - now well past the payment due date - I receive a XXXX email stating I am late on my most recent payment. 

Looking into my payment history on Navient 's website, my payment was reversed ( for reasons Navient did not bother to explain ) on the same date that I received the initial payment confirmation email. This contradicts the XXXX email stating a payment was posted to my loans, which I would assume would only be sent if the payment was successful. I received no notice whatsoever that there was a problem with my payment. I had to figure that out on my own after receiving the XXXX " late payment '' email. This has happened several times in the past year, causing me to be late on a handful of loans even though I submitted payments well before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
This is a follow-up to Case number : XXXX. Bank of America continued to charge me interest on XXXX XXXX. After calling enterprise customer care resolutions department, they have not returned my call hence I am re-opening this case. Thank you, 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 explanation
Consumer complaint received 2016-07-27
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Please read my attached hardship letter for more clarity and details. 
Original Balance : {$27000.00} Disbursement Date : XXXX/XXXX/2004 Balance after capitalization post default was over $ XXXX. 
Current balance 11 years later : {$34000.00} Rate : 9.5 % = Predatory Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Total Card, Inc.
State: MT
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:
received collection letter from TCI ( Total Card Inc ) for a debt received from XXXX XXXX XXXX received from XXXX. My XXXX account is current and I have had no other account. My local XXXX office has moved. I asked for validation and verification of debt and to have it removed from my credit report and received a letter stating they would attempt to do so. That was well over 3 months ago and they are now not responding. I am forced to use this avenue and small claims court here in Montana to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Navient Solutions, LLC.
State: DC
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 sent in a large payment ( {$13000.00} ) XX/XX/XXXX with a note stating how the payment is to be allocated since Navient ( XXXX ) does not allow you to allocate payments to certain accounts online. I also emailed them stating how to allocate my payment. This should have paid off in full XXXX loans. They did not allocate the money correctly. I have called every month and they are still incorrectly allocating my money ( now XX/XX/XXXX ). I have received XXXX letters stating these loans have been paid in full yet Navient has yet to actually show they are paid in full. Beyond frustrated that their system does not allow me to dictate how my payments are allocated if made online through their site. Their supervisors " fix '' the problem but my next month bill shows balances. It has been a never ending circus trying to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CMRE Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Already called directly multiple times I have XXXX XXXX they are not a preferred provider for XXXX XXXX XXXX where I live and they contract with them for the X-ray at the er I am not sure multiple calls to XXXX XXXX XXXXt XXXX with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card
Issue: Transaction issue

Complaint:
I paid off my credit card in full XX/XX/2016. XX/XX/XXXX my payment I submitted was more then I wanted to pay on the card that had a little balance ( since I had just paid it off ). I was unable to cancel or edit the payment. Bank of America informed me I should contact my bank to place a stop payment on that particular payment and that it would charge me a return fee but I could call back and have it refunded. When I called to get this refunded everyone told me it was not doable because it was a legitimate charge even though they told me this could be done. In XXXX 2016 I had a scheduled payment of {$100.00} to my credit card. Everything appeared to have gone through until I recieved an email that it did n't. I called Bank of America and they assured me everything was fine if something happened it would have kicked back already. Well the next day I check my account and that payment too had been returned and they charged me another returned check few. I called two more times to see what the problem was and they ( BOA ) told me to contact my bank where it was coming from ( XXXX ). XXXX did admit they did not remove the stop payment from the previous month ( XX/XX/XXXX ) and it had rejected the payment from XX/XX/XXXX. I called Bank of America again to let them know what happened they said they understood and refunded both of my returned fees. Well today ( XXXX XXXX ) I tried to use my credit card and it was declined, when i called to see what was going on they notified me my credit had been revoked and my account closed because of the returned fees ( one they instructed me to do and one that was a complete accident ; i.e : they refunded both return payment fees they charged ). So now I will have to fight whatever negative consequences. Bank of America has been nothing but trouble to 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 with explanation
Consumer complaint received 2016-06-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent an error resolution written inquiry on XXXX XXXX, 2016 regarding a number of issues including, failure to post payment and erroneous late charges/property inspection fees. The bank responded on XXXX XXXX and the XXXX 2016 that my inquiry was received. I have not received any further communication and my inquiry is unresolved. XXXX ) Additionally in XXXX 2016 another payment was not posted to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$660.00}. The collection has been reported as a past due balance. I have never done business with this company. This company does not have a contract with my signature.

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 2016-09-07
Company: Coastal Credit, LLC
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle in 2014 from Coastal Credit LLC. I had made on time payments since then. I started receiving calls stating that I was past due anywhere from 30-90 days multiple times showing I disputed charges and payments, which I never disputed a charge as I authorized all charges. I submitted proof to the location in XXXX, Colorado and all of a sudden that office was closed in a matter of a weekend. Prior to that I was working the office in XXXX, OK which was also closed in a matter of a weekend. I had been working with a couple of employees providing documentation and proof and working with them to fix this. As we were working on this, I had been surprised as I was promised since I had been in talks with providing proof of payments that the vehicle would not be secured or repossessed but indeed the vehicle was actually on the repossession truck and the driver had the courtesy to come knock at my door and he waited for me to talk to the bank in which I was demanded to pay for the entire balance after we had agreement but I had to prevent repossession. After that payment, I was paid up to date. Then about a month or two later I received a new call stating that I was in the same boat. I spoke with the same individuals and they fixed it but then shortly after a hour, I had a repossession agency contacting me to arrange a pickup of the vehicle in which I had said we had fixed this and I called Coastal Credit back and the lady could not get a hold of the person who was authorized to fix it and told me to " hid my vehicle ''. I was absolutely disgusted that a " bank '' or loan service told me to do that until they could tell that agency not to secure the vehicle. In the midst, they reported me 30 days past due and I can not get it removed and have contacted an attorney to file suit but have not pursued just yet until I notice absolute no resolution. I primarily contacted an attorney to file a complaint to get the late 30 day reporting removed. Since then, I have worries of the vehicle being secured illegally and no one at the new office is willing to talk to me or get me with the people I was working with as I am curious to see if that office staff were fired because they just shut down. I am working on trading this or refinancing with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We had have a mortgage for our home in Florida since XXXX. We were not able to make our payments and entered into foreclosure proceeding in Florida Court. 
We went through many attempts to modify the mortgage. In XXXX of XXXX we were offered a modification that we accepted. We made the payments required. In XXXX of XXXX the servicing company made a offer of a permanent modification that was NOT as offered under the proposed modification. We made it clear that we would not accept the permanent modification as offered. We sent them a letter to that effect. We also sent them a counter offer to their proposed permanent modification that more closely reflected the modification that was originally offered. They signed the counter offer and returned it to us. The foreclosure action was dismissed and the law firm that represented the mortgage investor/servicer sent us the modification via email along with sending it to us via XXXX Mail. 
Since the servicer has ignored the modification that we agreed to and is servicing the account as if we had signed the original modification as offered. They have acknowledged that the modification they are servicing under is not the modification the parties agreed to and signed saying we fraudulently and unilaterally altered the agreement, even thought they do not dispute that the agreement they signed and returned is the agreement we signed and sent to them. We did make changes to the agreement and sent it back to them, we told them we were going to, we told them we did XXXX Section XXXX paragraph H, attached modification agreement ) and they agreed to it in the modification as executed between the parties. Further they agree and acknowledge that the agreement that are servicing under is not he agreement they or we signed XXXX XXXX XXXX, XXXX letter attached ) and they are fraudulently and unilaterally servicing under an agreement we do not have and was never agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a new checking account with BB & T in XXXX, I closed the account in XXXX of XXXX. During the year in which I had the account, I had direct deposit transactions, debit card transactions and upon closure, I received over {$2000.00} from the balance remaining in the account. In XXXX, I had a XXXX direct deposit transactions made by mistake to the closed account. XXXX of the XXXX deposits were returned to the sender, the other, the bank kept to pay off of debt owed from an unrelated account originating in XXXX, which was in a charge off status in XXXX. I have several issues with this transaction - First of all, the bank did not notify me of the fact that they took the deposit to pay off an old balance. I only obtained this information from them verbally after inquiring about the return of the ACH deposit to the sender. I have made numerous calls to the Executive offices of the bank, no one has called me back to talk to me about my situation. They sent me the attached letter detailing the charged off account. This letter does not describe their rights in collecting the funds from the ACH deposit made on the unrelated closed account nor have they have not sent me any transaction records of their taking of the ACH deposit to pay off the said debt. Anytime a bank makes a transaction on your account, they are to notify you, and I have not yet received anything and it is XXXX XXXX, XXXX, for a transaction that occurred on XXXX XXXX, XXXX Secondly - This letter does not indicate that the charged off account is formally closed or settled. Finally, these ACH transactions were made by my college, and were stipends from a XXXX XXXX and XXXX XXXX XXXX loan. It is my understanding that in the state of VA, you are not allowed to " garnish '' those such transactions, and that 's what this actually is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a vehicle in XXXX from XXXX XXXX in XXXX XXXX, California at the full amount of {$29000.00}. My payments were {$450.00}. XXXX a month. In XXXX I decided that I was going to purchase the vehicle because the repair/service department was saying that I was using up my mileage ( line XXXX on original contract of lease ). I met with a dealer who signed me up on a new contract to buy. The new contract dated XXXX now lists the car at a higher price {$32000.00}. This is after it 's used by me since XXXX. They do n't charge interest on a leased vehicle. It 's a rent charge but should n't the car be valued at the XXXX XXXX XXXX not a new vehicle price?

Company response to consumer: Closed with explanation