BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-17
Company: Navient Solutions, LLC.
State: CT
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:
Parent plus private loan for XXXX my XXXX year XXXX of college at XXXX, my parents helped pay the interest down every month until I graduated, I then got a letter about XXXX months after I graduated with a late payemnt ... have been paying XXXX aka XXXX XXXX aka XXXX 12 and 11.75 interest rates on this loan.. over XXXX has been paid back on this XXXX dollar loan and I still owe XXXX ... my next highest interest rate is 5 % I believe for other companies.. it 's forcing my to live in my parents basement and I 'm an investment advisor with a series XXXX, XXXX, XXXX and life accident and health insurance license. It 's cases like this that kill credit scores, slacken the housing market and depress the middle class. I 've written to navient XXXX times and an uninformed individual picks up the phone who never helps. Navient/XXXX//XXXX XXXX most likely got that XXXX they loaned me for XXXX for 0 % because of the federal Reserva q/e and I 'm fed up with how they 're taking advantage of the American dream, my parents did n't get to go to college so it was always drilled into my head that it 's anot opportunity I have to take advantage of. College ceos who raise out of state tuition and in state tuition no this all to we 'll and it wrong. When it comes to profit margins college education, especially state universities, should n't operate on the same principles that for profit corporations do. 

My name is XXXX XXXX and I believe in the words I just wrote and I think many other people do to. I 'm far from a XXXX and I 'm pro capitalism but for a while one would say " there 's something going on here and you do n't know what it is, do you XXXX XXXX '' ... well I think more than I have figured it out and it 's time to correct the next bubble before it bursts. 

( The {$15000.00} is a real figure, not my total loan just XXXX and I know others have it worse but I 'm sick of my own country taking advantage of age old ideology of college and federal policy loop holes )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have made several attempts to lower my payments for my auto loan through my financier, Santander Consumer USA. I have been unemployed for nearly 8 months due to COVID and have made them well aware of this. They repeatedly denied these requests. At the time of financing, this company was well aware that I would more than likely default. With no more options, I have formally surrendered the vehicle and the repossession company is coming to collect it tomorrow. I am anticipating that the company will file suit to collect the deficiency balance from me. I have read about the 33 state settlement that took place last year in 2020 and would like to know if I qualify to be forgiven for this deficiency. They are a predatory lender and are ruining peoples financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
1. My address has no apartment # XXXX XXXX XXXX is all. 
2. I have never resided in XXXX, NJ. Please remove this. It was ex husband 's address who has been deceased for 14 years. 
Thank you for your attention to these corrections. 

XXXX 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 2016-08-31
Company: Total Card, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TCI - Total Card, Inc. calls me incessantly about a debt they purchased from XXXX. I know XXXX as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, XXXX, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XX/XX/2016 from Total Card , Inc. stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America ( XXXX ) insurance company for BOA has duplicated a claim and has left the status as open when it 's closed and has been closed since XXXX 2012, there was only XXXX claim at this time ( XX/XX/XXXX ) this is an attempt to force me to pay higher premiums for home owners insurance with them, I am not able to get a decent rate anywhere with the duplicate, open claim that ( XXXX ) has on my record. I have spoken to numerous of agents with XXXX and I was told that it 's closed, not duplicated and it still shows on my record. PLEASE HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
For months now, Navient has continued to improperly bill me for Private Student Loans that have been paid off. Following some refunding they did re : an earlier issue in XXXX of this year, in XXXX, they missed billed me for {$600.00}. After a couple of calls to them, a refund of that amount was set up, and the XXXX Navient Rep. I called in this regard guaranteed the he made the needed changes to their automatic billing system so that the incorrect billing would not reoccur. But, on XXXX XXXX, it happened again for that same amount. After several phone calls, I was told that, supposedly, the refund for XXXX had been approved and is was awaiting for their Monetary Department to make it happen. Today is XXXX XXXX, and the refund still has not arrived. I am having a hard time deciding if it is their plan to stall and hold onto such moneys for their financial gain, or if it is simply ineptitude. Either way, shame on Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX Transunion Consumer Relations XXXX XXXX XXXX XXXX, XXXX XXXX File # XXXX SSN # XXXX RE : Reappearing Removed item XXXX XXXX Account # XXXX Past due 30 days XX/XX/XXXX has been removed since XX/XX/XXXX ( Credit Report attached ) and XX/XX/XXXX again reappearing as a adverse account. ( Credit Report attached ) Please be good enough to removed that item as soon as possible Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30
Company: Navient Solutions, LLC.
State: CO
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 am writing to dispute the following information that your company provided to XXXX Credit Bureau, XXXX XXXX XXXX, XXXX, TX XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 
This item : " Credit Limit/Original Amount '' and " Recent Balance '' is inaccurate because it portrays to prospective creditors and to the scoring algorithm of XXXX that I have exceeded my credit limit by more than {$15000.00} which creates a negative impact on my score. I am requesting that Navient have the item ( s ) correct their reporting metric to reflect my Credit Limit/Original Amount equal to my Recent Balance to correct the information. This is consistent with the way my student loans with XXXX XXXX are reported and those are not having a negative impact on my score or raising a concern with potential lenders. 
Enclosed is a copy of my XXXX Credit Report with Navient and XXXX XXXX sections circled supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them correct the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I enrolled at XXXX XXXX XXXX XXXX in 2012. At the time I had {$XXXX} income and only very small amount of child support for XXXX children. I filled out all necessary paperwork at the school for financial aid. Upon graduating, I started to receive payment statements for my loan of almost {$14000.00} due to the federal gov't. There is no way that with {$XXXX} income I would be able to make $ XXXX monthly payments. I contacted Navient and was told on many occasions that this is what I owe. How is this even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient took over my student loans from XXXX. 
I have had problems ever since. 
Their website is EXTREMELY difficult to navigate, I have received different information from each person that I have spoken to regarding various issues & most recently when applying for an economic hardship deferment, I have become extremely frustrated with this company. 
I have been granted an economic hardship from XXXX, my other student loan provider & it took them about one DAY to do so. I have spent MONTHS trying to get the same deferment processed through Navient, however, I am pretty sure that they make the process difficult on purpose. I provided proof of my deferment from XXXX to Navient along with the deferment application & repeatedly it has been denied. However, there is no information about WHY it is denied, just that I am not providing necessary information ...? So, then each time, I must call Navient and ask someone why & they tell me to do something different & re-submit. Still, months later, when my forebearance is about to expire, they have not processed anything nor have they tried getting in touch with me. 
When I called again yesterday, I was told that they need proof of my income. Even though I have already provided proof of my deferment from XXXX, which is generally all that is needed, proof of acceptance from another provider. And I was told previously that this is all Navient needed. Now they want a paystub. I do not have one, I am self employed. SO, she tells me that I should be applying for an " unemployment deferment '' ...?! I am not unemployed! I just do not have a proof of income YET ... 

So, I sit waiting once again to see if my deferment application will be accepted. 
I am pretty sure that this company deliberately makes this process difficult & their website hard to navigate to keep people from being able to to what I am trying to do, ask for assistance while not being able to pay back their loans, temporarily. 
I have never had any issues with ANY OTHER STUDENT LOAN PROVIDER until this company took over. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
In looking to exchange foreign currency, I found that Bank of America publishes one rate on its website available to public viewing ( a very favorable rate for the consumer ) and an entirely different rate on its account holders-only website when one logs in to actually make an exchange ( a much less favorable rate ). One can not order the foreign currency through the open-to-the-public site ; orders can only be placed once logged in. Even now, the rates shown in real time across the two website are significantly different ( a difference of approx. 15 % ). 

In short, I was baited by BOA 's favorable rates published online, and I went through the trouble and expense of opening an account in reliance on that rate. Once an account holder and able to actually place an order for the foreign currency, I was shown the significantly higher rate.

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 2016-08-04
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In late of the year XXXX, I got my house refinance with American mortgage company with a variable rate of 12 % and I have told as long as the rate market change they will make adjustment and a couple years later I believe they transfer the loan to Ocwen Loan Servicing since that period of time I never get any info from the mortgage company about the rate of my mortgage and I call Ocwen today and I spoke to XXXX XXXX and He told me his badge # is XXXX and I ask him about my interest rate and he told me 11.24608 % and I ask him how that can be and he told me a long history and He said that I agree with him in year XXXX for for a fix rate 0f 11.24608 and I told him I never talk to no one in Ocwen in any such act and I never sign any such contract with them because when I check online I figure out I still own them around {$40.00} and I thought the mortgage is suppose to finish pay for. I ask him the paper work with my hand signature and the witness where I agree with him and He asks me for my email address and I gave him my email address to send the package to me and I never receive from him. I believe Ocwen Loan servicing is a scam mortgage company and I ask you for help because I ' am suppose to be scammed by such institution who suppose to protect us. I really in need of help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX inquired about XXXX programs through BAC. It was a constant go around of submitting documents and forms. Many letters with false hopes and disappointment. BAC refinanced loan XXXX changing account number disqualifying my loan for any XXXX programs. I have called XXXX XXXX, HOPE, HUD. without any help. BAC is only interested in foreclosure or short sale. I have been paying on loan since XXXX. I do not want to default on loan. I contracted cfpb XXXX with this compliant. BAC XXXX a correspondence from CFPB. BAC responded with did not rcv paperwork in the past, submit XXXX, eligible for HAMP. I have been down this road too many times XXXX XXXX. BAC has given me the run around without helping me. For years BAC would have me resubmit same documents/paperwork. They offered me a standard refinance. This only cost me more money with the closing cost, and them messing up with my escrow causing penalty fees that has compounded my payments.Also, disqualified me from any federal programs having new account number. BAC was always mentioning foreclosure. This is a scary thought and adding undo stress. I have a thick folder of the BAC request and form letters. It runs in circles going no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My mother passed away XX/XX/2014. Her checking account had been in both our names so that if she became XXXX, I could continue paying her bills. That is what happened in the last five years of her life. When she died, I left several hundred dollars in the account to cover any debts that I was not aware of. After a year 's time, I attempted to drawn-down the account only to be told that bank fees had XXXX-out the account. During that time, the bank had no communication with me other than to verify my mother 's death. I believe that at some point there should have been notification from the bank that the account was not showing any activity and the balance was being used up by fees. They say I should have received information at the time of becoming a co-signer regarding bank practices and fees. That had not happened and neither did my mother share any such information she had received.

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 2017-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a bank statement that was a couple weeks old. I noticed on the mortgage statement that my address was listed as XXXX and not the correct address of XXXX. I called BOA and was on the phone for over 30 minutes. It was unclear how and when it was changed. I went through all of my recent statements and learned that it was changed sometime between XX/XX/2016 to XX/XX/2016. I have been missing bank statements and now I know why. This was not the first mistake by BOA. Recently I was charged a series of fees by BOA that were removed after I learned that these were mistakes made to my account. I have continuously disputed the negative remarks on my credit reports but these mistakes are getting ridiculous by BOA. I believe that my address has been updated but now when I run my credit report XXXX appears on my credit report. I have never lived at 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 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
USAA bank have denied and have suspended our online banking access due to a prior debt that went to collection. This is sort of the same thing that XXXX XXXX XXXX XXXX is being sued for. It is unfair. We still have our money in that bank and we are unable to access our accounts online. We only have the mobile app. That said, it seems though we are being retaliated against. The bank is where people deposit their monies. It 's unfair to deny me online access to my account because I have a delinquent debt. The bank have a protocol to go through to collect debts. They were aware of that when they founded the bank and had their ribbon cutting ceremony that there would be losses. That people will fall short as we have. This account is over 15years old and still we have no access. Collections no longer report this debt, also the bank has wrote if off. Still, we are being penalized. Please help us. We are a military family and do n't have access to a local bank USAA in our area.. However, they are penalizing us by not allowing us access to online banking it is still under suspension. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Advance America, Cash Advance Centers, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation