BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: FL
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 monthly payments under my for my department of education loans are {$30.00}. The monthly payment for my ( consolidated ) Federal loans are {$130.00}. The total amount of the loans I am responsible for paying each month under my IBR is {$160.00}. This has been the amount I am to pay since my IDR started. However, my amount due for XX/XX/XXXX is {$260.00} for my federal loans. This is an increase of {$98.00} on my federal loans. 

I missed my XX/XX/XXXX payment. I made the missed payments and paid the current amount due for the loans. On XX/XX/XXXX, I made a payment in the amount of {$320.00} ( which included fees ) for the federal loan. I paid XXXX for my department of education loans to bring them current. I paid a total of {$390.00} XX/XX/XXXX to bring both loans current ( including fees based on the XX/XX/XXXX bill ). 
However, my XX/XX/XXXX statement is showing I owe {$98.00} in fees. There should be no fees as since my last payment I paid all outstanding fees, past due payments and current amount due. Additionally, per the breakdown of my payments the late fees total {$14.00}. Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
Per my phone call with Navient on XX/XX/XXXX, I was advised that the payment I made on XX/XX/XXXX for the past due and current amount was applied by paying the past due balance, the current amount due and adding the remaining balance to the principal. This makes no since, because the amount I paid included payment for fees according to the monthly bill and their website. I paid the fees to remove them but they applied them in a manner that was not beneficial to me. When I asked about my current amount due I was told the balance was {$41000.00}. Which could not be accurate if the payment I made on XX/XX/XXXX was applied to the balance of the loan along with what I paid toward fees being applied to the principal balance, my amount due should be less the amounts. I was told the additional funds that I paid ( which according to the statement was for fees ) were applied to the principal balance. If they were applied to the principal balance why did my balance remain the same? If my account had a balance for past due fees why are the past due fees showing up now, and why are they so high when I only missed the one payment XX/XX/XXXX? Do I get charged late fees for payments that I make timely. I only missed one payment. If the late fees are {$98.00} that is excessive and needs to be explained thoroughly. 
Questions : Why was my payment not applied based off my statement? 
Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
If the amount I paid for fees was added to my principal balance why did the payment not reduce my balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: KEYCORP
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a general complaint about credit card soliciting where it says I have been pre-approved. This is suppose to mean I have already qualified based on my credit score, etc. This means they have enough information where they do not need to request any other credit information and thus hurt my score by inquiring through the credit agencies. Apparently this is not the case and it is very deceptive. I will not do business with any company that is deceptive. In fact, I will read them the riot act just as I did to Key Bank yesterday, Monday, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Bank of America sent me a targeted offer of XXXX miles if I opened a credit card with them. They approved the card, and I completed the minimum spend. I received XXXX miles. I filed a complaint with them, and they told me I had to apply for a credit line increase to get the remaining XXXX miles, as I did not have sufficient deposit and investment accounts with them. The promo material for this offer does not include the stipulation that I have to have certain investment or deposit accounts with them to receive the offer as promised. I have been a Bank of America customer for many decades, having XXXX accounts and a mortgage. My credit score is well above average. They then told me if I requested a credit line increase in three months, the missing miles would be credited. But what they did not tell me was that I would have to let them run my credit for a second time, and reduce my credit score by doing this. This information was left out. Since my credit score will be the same in three months as it was when I applied, they are showing that they are not intending deliver the miles that were promised when I signed up for their offer. This is an unresolved issue, and is unfair.

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 2022-11-02
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this account was paid off on XX/XX/2022 this was my final payment for the vehicle to be paid off, they sent me a letter on XX/XX/2022 stating thanks for choosing them etc advising me about the title for my vehicle my score dropped XXXX points in XXXX because they reported me as a late payment which is inaccurate. I tried pulling up my payment history i cant because since the loan is paid off the account online with southeast toyota is no longer valid when i log in it doesnt have my car it says add new vehicle. I want this late payment removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: IL
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:
As of today XX/XX/XXXX a chapter XXXX bankruptcy was taken off of my account a week or 2 ago and readded today withou a proper t day notice and its showing illegally from when i first disputed this information. The courts do not give out thia i formation to verfiy this document. I want verfication with my signature of this debt! Other qise it is 2 be removed immediately!! Because 2 laws have been broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
WE DEPOSITED CASH AND THE THERE WAS AN ATM MALFUNCTION. THE ATM ASKED US TO INPUT AN AMOUNT, BUT AT THE TIME WE WERE UNSURE AND DID NOT ENTER ANYTHING. THE COMPUTER SAID IT WOULD ADD A PLACE HOLDER TO OUR MONEY AND WE WOULD HAVE OUR MONEY IN OUR ACCOUNT THE NEXT MORNING. I CALLED THAT NIGHT TO REPORT THE CONCERN AND BY THEN WE KNEW EXACTLY HOW MUCH MONEY WE DEPOSITED IN OUR ACCOUNT. IT WAS A TOTAL OF {$710.00}. THE PERSON ON THE PHONE SAID THEY WOULD BE DEPOSITING THE MONEY IN THE ACCOUNT WITHIN A FEW DAYS AND IF THEY WOULD LATER FIND OUT THERE WAS A MISTAKE THE MONEY WOULD BE WITHDRAWN. I HAVE BEEN CALLING EVERY DAY FOR THE PAST 4 DAYS AND CAN NOT GET AN ANSWER. THEY HAVE BEEN RUDE TO US AND GIVEN US THE RUN AROUND. I FEEL WE ARE BEING DISCRIMINATED AGAINST BECAUSE OF OUR LAST NAME. I FEEL THEY THINK WE ARE LYING AND THAT IS WHY THEY ARE NOT PUTTING THE MONEY BACK. WE HAVE BEEN BANKING THERE SINCE 2006. WHY WOULD THEY DO THAT OTHERWISE. ITS SIMPLE, WHY WOULD A XXXX BE TELLING THE TRUTH. IF MY LAST NAME HAD A WHITE NAME THEY WOULD HAVE PUT THE MONEY BACK. IT SHOULD BE EASY FOR THEM. THEY MONEY WAS DEPOSITED IN THEIR ATM. IT MALFUNCTIONED AND NOW THEY DONT WANT TO GIVE US OUR MONEY BACK.

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 monetary relief
Consumer complaint received 2016-04-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In late XXXX 2016, I paid off a 401K loan with the goal of applying for a new loan to purchase my XXXX home. I made several calls to XXXX XXXX before requesting the loan to ensure the new loan disbursement would be available in time for me to make my XX/XX/XXXX car payment prior to the 30 day past due mark. Unfortunately this did not happen despite me taking every precaution. 

Once I realized I could not make the payment timely, I made a payment arrangement online at NissanFinance.com to make payment by XX/XX/XXXX. The money was n't deposited to my account until XX/XX/XXXX ( 3 days later ) when I promptly made payment. I also contacted NMAC by phone asking if there was anyone I could avoid late/derogatory reporting to the credit bureaus and was told that a report had already been sent & there may not be anything she could do to adjust. 

On XX/XX/XXXX I received an alert from XXXX that my loan was reported as 31-60 days late. I immediately mailed XXXX letters to NMAC requesting goodwill adjustments to that report. I never received a response from NMAC but I happily received an alert on XX/XX/XXXX that the negative reporting was removed. 

To my shock, on XX/XX/XXXX the XX/XX/XXXX payment has now been reported as 30 days past due again. I 'm requesting that this reporting be adjusted in light of the prior removal. I did attempt to resolve by phone on XX/XX/XXXX but the associate I spoke to simply denied it was ever adjusted back on XX/XX/XXXX & would not assist. 

Although I acknowledge the issue with my payment was entirely my fault and not NMAC, I am asking that they adjust this single late payment since the loan was initiated. I 've confirmed that there is no regulation that states that a creditor is required to report this & am asking that NMAC simply remove the mark as they did on XX/XX/XXXX. 

I 've attached copies of the XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX credit file to reflect these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Navient Solutions, LLC.
State: OK
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 paid off my x wifes XXXX loan in XXXX of 2012 thru a settlement with a company called XXXX. Now a company called Navient is showing that the money is still owed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had an account with US Bank. Because of the many customer service issues I had with the bank I decided to close my account. I made sure that all pending transactions were covered before closing the account and withdrew my money out of the account. My account does not even exist when I log into US Bank. A few days ago, I received a letter from XXXX XXXX XXXX, stating that they were collecting a debt on behalf of US Bank in the amount of $ XXXX.When I called US Bank 's customer service and explained the situation, the CSR informed me that there was a write off amount associated with my account but she could not see how much it was or where the charge was coming from. She referred me to their accounts recovery number. I called the number she gave me and was told that the recovery department only took payments and that she could not look into my account. She told me that I should go to the bank where I closed my account and speak with them.I went to the branch today and spoke with one of the bankers there. I explained the situation, and after much discussion, was referred to her manager. The manager explained to me that he could not help me because it had already gone to collections. He said, " It was out of his hands ''. He went on to tell me that I should, " look on the bright side. It 's only {$47.00} '' I exclaimed that I did not want to hear his excuses and he immediately walked me out the door.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was never late on payments, I was 100 % on-time. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got notice from XXXX that there is a collection on my report I logged in and there is a company called Aargon agency they put me i collections for {$1200.00} I have not been notified regarding this debt and was not given the chance to investigate where it came from and I was not given the chance to discuss it

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 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had XXXX different answers from two associates. I have XXXX response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they XXXX have a unanswered response response to my complaint and now I have attached their responses.

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 2016-06-07
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Submit a student loan complaint We 'll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint. 




What happened? 
Desired resolution My information Product information 5.Review What happened [ Edit ] Describe what happened so we can understand the issue ... 
Navient has been calling me and mailing letters. Additionally a letter that indicated negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. Subsequently, my credit rating was good, but Navient damaged it only to intentionally prevent me from obtaining other loans. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Received bad information about my loan Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
Navient forgive borrower and cosigner of all student loans due to the hardship that I had to endure and the difficult problems I have had with them. 
Navient repair credit scores which they reported to the credit bureau. 
Navient stop calling and harassing me day and night. 


My information [ Edit ] Contact information Mailing address XXXX XXXX WA XXXX United States Email XXXX Phone XXXX Age XXXX I am submitting on behalf of Myself Product information [ Edit ] Billing address is the same as mailing address. 

Account/Loan number or SSN XXXX Information about the company Navient Corporation Navient has been calling me and mailing letters. I also received a letter that indicates negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Subsequently, I tried to obtain additional education loans and also refinance my condo but Navient affected and damaged my credit ratings. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I have had good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My daughter was XXXX and her medical bill was sent to collections because I could not afford the payments. The collection company put me on a payment plan of XXXX a month. I missed a payment a couple of times and always made up the payment the next month. When I received notification that I missed the bill it always showed a balance of XXXX which is the two months combined. When I called in to pay the bill they saw I missed last months payment and said I needed to pay the XXXX. After I made a double payment they always said my account was up to date and my next payment due was the following month. I missed three months but always made it up the next month. I received a letter in the mail 2 weeks after I made a payment that my account was in default. I called stating I did not understand that I always made it up and when I made my last payment XXXX/XXXX/16 that I was current until XXXX/XXXX/16. The representative told me I missed those 3 payments and now my account is about to be reported to my credit score unless I pay XXXX to make up the three payments I missed. I stated I made double payments and she said she recognized the double payments but they were never applied to the month missed I just made an additional payment. Now if I do n't pay XXXX or my full balance my account will be reported on my credit score. Not once was I ever told when I called in my account was about to be defaulted or that they were not making up that missed payment. I asked to speak to a manager and after I was placed on hold for 5 minutes the representative told me her manager would not be able to speak to me because he was stepping into a meeting and that he would just tell me the same thing. If this is happening to me it is happening to someone else. People are in collections for a reason and she be helped not taken advantage of.

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 2022-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have completed a complaint with your agency before about this same problem with Wells Fargo Home Mortgage Company. 4 times, we have contacted Wells Fargo Home Mortgage Company about our missed payments during COV-19 Forbearance. We advised them 4 times that the payments were Deferral to the end of the loan, but we keep getting harassment letters NOW for full payment. We don't know if Wells Fargo Home Mortgage was supposed to send us a letter or something to complete for the deferral payments, but now we are getting more letters from Wells Fargo Home Mortgage ( 2-3 ) letters weekly even now letters from a collection 's agency. Please Help with this problem. 

Ps. The telephone calls stopped now Letters picked up. We signed a letter for limit contact from Wells Fargo, but they keep playing games with these harassing letters ( 2XXXX ) letters weekly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: 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:
My student loan is currently being serviced by Navient. I currently pay {$200.00} dollars per month. The customer service representative has tried to steer me to making payments in excess of {$500.00} per month. Further, I do not know the formula they use for repayment. They ask me to show proof of what my salary is, but they do not take in account cost of living in the XXXX part of the country which is some of the most expensive in the nation. 
Not to mention, the incessant phone calls to my home, place of business and family members!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX called from Navient on XXXX/XXXX/15 at XXXX XXXX, regarding a client, XXXX XXXX, who has an outstanding student loan. I know XXXX XXXX, however, but in no way associated with this loan. XXXX XXXX has contacted me on my cell phone, called members of my family and friends releasing confidential information about XXXX XXXX ' debt. He gave this contact number XXXX. I called him back, however, he refuses to answer his phone. At XXXX time, he picked up the receiver and placed it on the desk. I could hear voices talking on the phone. This has to stop and I will start with placing a complaint.

Company response to consumer: Closed with explanation