BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTE : My complaint, which while I consider as concerning a false statement, is not covered in the sub-sections below it. 
Syndicated Office Systems, XXXX dba Central Financial Control, is still reporting the the credit bureaus that an account ( debt of {$200.00} ) dating back to XXXX is still open despite it being included in a Chapter XXXX bankruptcy ( XXXX XXXX ). Central Financial Control is still 'updating ' this account and showing it as open ( last reported XXXX/XXXX/XXXX ) in its reporting to the credit bureaus. I have written multiple times requesting that the account should be reported as 'closed ', but they have refused to do so, and instead now show the account info as 'disputed '. The original account is not in dispute, nor have I ever disputed it. The only thing I am disputing is that it is an 'open ' account with an associated negative credit report comment, that they are still supposedly reporting on. 
Their reporting to the bureaus is incorrect and is negatively affecting my credit with all the financial penalties ( higher interest etc. ) that it entails. I worked hard to bring my score up, only to have this inaccurate negative comment on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Navient Solutions, LLC.
State: IL
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 attended The XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. During the one and a half years I attended I was told to take out XXXX Private student loans to pay for school, books, and cost of living which left me with XXXX in debt. Being on my own I felt I was taken advantage of and pushed into applying for such a loan amount. Now this school has closed/ merged with XXXX XXXX school, which has/ is closing as well? Having felt like I was taken advantage of for years, now to hear the schools closed, Are there any other complaints regarding this school or any loan forgiveness when a for-profit school closes?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I was closing on my house XXXX/XXXX/16 and my realtor emailed me wiring instructions for the closing on XXXX/XXXX/16. I printed them and took them to XXXX XXXX, my bank, and wired the {$51000.00} to the bank of America account on the email. I was notified at XXXX XXXX on XXXX/XXXX/16 the title co had not received the funds and immediately went to XXXX XXXX. I met my realtor and it was determined her email was hacked and the bank information changed, XXXX XXXX, XXXX banker, filed a fraud claim. I walked over to Bank of America and spoke to XXXX XXXX explained the situation and asked him to freeze the account. I was told I am not their customer and he would only deal with XXXX XXXX fraud dep't. He gave me a code " XXXX '' and said to make sure XXXX XXXX used the code on the report. I returned to XXXX and XXXX XXXX added the code. I was told the wire had not been initiated until XX/XX/XXXX as it was XXXX on XX/XX/XXXX when I had requested it and they thought it could be stopped. On XXXX/XXXX/16 XXXX XXXX XXXX XXXX called and told me the money had been withdrawn that day from Bank of America. Bank of America could have prevented this and I have lost my life 's savings.

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 2017-02-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
My last Citi credit card statement included a late fee of {$20.00}. When I called the company for an explanation, they told me it was for a late XX/XX/XXXX payment ; going on to explain that my payment is due to Citi on XX/XX/XXXX and THEIR records show that the payment was not received until XX/XX/XXXX. 

This puzzled and disturbed me because I had previously set up the payment electronically through my checking account to arrive on time. So, I did some investigating and as you can see from my attached XXXX Bank statement, the funds were electronically transferred to Citi on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX 

Even if, for the sake of argument, the payment did not arrive on XX/XX/XXXX as expected, there is ABSOLUTELY NO WAY AN " ELECTRONIC PAYMENT '' TOOK XXXX DAYS to get to Citi! The company may have refused to recognize it but they did receive it in advance of the due date. I am writing to you because I need your help. Citi has denied my request for a refund both on the phone and in a written letter. And I believe that this is unacceptable! A prime example of a big company taking advantage of the little consumer. Please help me because I NEED my {$20.00}. In this challenging economy, my husband and I are finding it very difficult to make ends meet. Therefore, I must pursue this matter as I can not afford to ignore it. 

Lastly, I would like the company invested to see how many other consumers electronic payments are being " ignored '' so that Citi can charge a {$20.00} " late '' fee. 

Thank you for your assistance, XXXX XXXX XXXX, NJ XXXX Work # : 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 2016-05-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am very sorry to make another formal complaint against members of the Navient 's collection department but they are quite disrespectful towards me when I make a payment. Consumer service reps including XXXX and XXXX was very disrespectful. XXXX did not understand proper XXXX and talked very disrespectfully towards me. Meanwhile, XXXX seem to have a problem with me on a personal level. However, supervisor XXXX XXXX openly stated that he would go to bat for his employees despite their disrespectful statements because he did not believe they were in the wrong XXXX XXXX was openly trying to gaslight me as woman and trying to talk over me. He openly expressed that he felt that I was problematic for standing up against his disrespectful staff. I felt that dogs respond better to my questions than most of the staff at Navient. Personally, it seems like many people inside of the Navient 's collections department do not want me to make payments towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our issue began this year, because of a mortgage default. We attempt on several occasion to rectify with Bank of America. Currently we have experience a lack of communication by our appointed point of contact, and customer retention manager ( CRM ). We have receive notice that we qualify for a short sale, however after only two months of marketing we were informed that our marketing period had ended. We have research and informed the bank that in our current market the time frame to sale is at a minimum of 120 days. We have set varies appointment with the CRM, in which no effort to make contact was made by BOA, neither to us or to the Realtor on file. When we attempt to call the bank the representative who answer tells us that our CRM is not currently available, and attempts to help us with a limited capacity/ while informing us that we would have to make another appointment with the assign CRM. Our Realtor, using the XXXX system has submit, a offer ( cash ) that has been waiting in the equator system, for almost a week. Upon calling Bank of America, they informed us that the offer has not been reviewed, and that current the reviewer is not available. Furthermore that the Customer Retention Managers do not have access to the very system they are should using to help us with the short sale. As a Veteran of XXXX, I expected a little more cooperation. I have repeatedly ask that the property be reevaluated, as the values in our have are on a continuous decline. I am not sure where to turn. I am even willing to complete a deed in lieu, however upon asking the bank, apparently that is not an option. How is that not an option if the foreclosure sale date was already set.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Navient Solutions, LLC.
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:
There is a considerable discrepancy - {$2000.00} to {$4000.00} - between what Navient [ the company that is now managing the loan ( but not the original loan provider ) claims I owe and what I actually owe ; I owe $ XXXX to XXXX less than they claim. Despite my repeated requests, Navient has failed to trace the source of their error, because they have only partial records of the loan history. Despite my repeated attempts, they have failed to produce the complete documentation of my loan history, nor do they have the original loan documents. Their is no record of the first repayments I made, and other payments, that are recorded, went towards repaying a lower-interest incuring loan, when a loan that was incurring higher interest had n't been completely paid off. In short, my loan has been mismanaged, either by Navient, or the company that was manahing the loan before Navient ; and they seem to have a very partial record of the loan history. I believe my outstanding student loan debt should be erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MI
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 currently have a total of {$58000.00} in student loan debt with Navient. After 2 years of never missing a payment, I noticed my principal balance keeps going up and not down. When I asked Navient they claimed it was due to " daily accrued interest ''. This just can not be the case. I have been tracking my increases since XXXX XXXX, 2016 to today. The average increase per week is {$85.00} added to the balance. I have tried working with Navient but they never have any answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX, I XXXX XXXX closed on a property which was sold to me by XXXX XXXX. Warranty Deed and Deed of Trust were written as XXXX Assumed Name, Fictitious, Trademark name. I became unemployed for over 2 years in XXXX and throughout that time requested loan modification through at the time I thought was the Servicer for the Lender Bank of America. Bank of America sent paperwork with XXXX parties I had not heard of which excluded the XXXX. The XXXX parties named are XXXX ( who had a name change in XXXX to XXXX, XXXX ) registered under the United States Patent and Trademark Registry No. XXXX. Secretary of State Texas, Tax Compotroller of Texas, Banking Commissioner of Texas, the OCC, and The National Mortgage Lending Services have all identified the XXXX as a DBA which is filed on the United States Patent and Trademark Registry # XXXX XXXX. Bank of America knowing that XXXX was never a Corporation, issued a Deed of Trust with a fictitious Lender. Furthermore, the Note was never endorsed by Bank of America until XXXX, XXXX Which is a rubber Stamp that states " Pay to the Order of '' Without Recourse Countrywide Home Loans, Inc DBA XXXX. This is clearly not how the Deed of Trust or Promissory note is written. A new Party joins in the mix as XXXX as Current Mortgagee. After contacting XXXX, I am advised by XXXX XXXX XXXX that XXXX is not the Lender nor or they the owner of the Loan or the property. However when the property was foreclosed on XXXX XXXX, XXXX, a Deed in XXXX was filed which named the Owner of the Property XXXX with a Bank of America address. This alleged loan XXXX has several issues with it to which the Consumer Financial Protection Agency never helped the consumer with an investigation. The Consumer Financial Protection Bureau never did anything to look into the Deed of Trust with a Fictitious Lender, how did it make it to the Trust as a Legal Binding Document? XXXX is a name, a slogan. It is nothing that would say anything about a Corporation or Financial Institution which legally held the means to be a Lender. XXXX sold the property to more investors XXXX XXXX XXXX XXXX TX XXXX who has hired attorneys to evict me from the property. I do not have a legal Lender and XXXX has already put in writing they do not Own Loan or Property. Who created these Appointment of Substitute Trustee documents, filed them, and who legally purchased property at Auction? Title is not a Clean Title.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We contacted you on XXXX/XXXX/XXXX with concerns with Bank of America not willing to work with us and we were assigned complaint # XXXX. We were contacted by XXXX XXXX with BOA on XXXX/XXXX/XXXX to say he would be getting back with us within 1 week. We did get a call back on XXXX/XXXX/XXXX to say they still needed more time. I also called XXXX on XXXX/XXXX/XXXX to let him know our closing date is being moved up to XXXX/XXXX/XXXX so we need the payoff right away. We were trying to be understanding but we really do n't understand why it would take this long to give us a payoff without the late payments and back interest. We also requested to have the late payments removed from our credit with the payoff so that we will be able to purchase another home. 
I could not believe the doorbell rang and it was a certified letter from a foreclosure attorney representing Bank of America and the letter was dated XXXX/XXXX/XXXX, We 're attaching a copy for your review. This is definitely another indication of the way BOA treat their customers because while XXXX is on the phone telling me they need more time we get served these papers so what is the more time for. As we stated in our initial request BOA had no intention of helping us when I first contacted them XX/XX/XXXX because the first thing we requested was an extension on the balloon payment to give us a change to sell the house and we were told no. Now that the file is with an assigned foreclosure attorney this is damaging our credit even further and keeping us from home ownership. This more time is an excuse and we are scheduled to close on the sale of the home on XXXX/XXXX/XXXX, so we really do n't have more time we really need help now from someone who cares

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 2017-03-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My private student loans through Navient were in a repayment status with a reduced interest rate which made my payments affordable. Without my consent or knowledge they pulled my credit and determined I was able to make full payments. My credit report tells them that I have been working hard to pay on time, it does n't tell them that I can afford to have my interest rate increase to 10 % from 1 %. I was pushed to make a payment which was 25 days late ( because I could n't afford to pay the new monthly amount ) in order to be considered for an extension on the reduced interest rate program. After the representative noted I had made the payment, then she noticed that I was not eligible for any repayment options and that there was not a supervisor to speak with. Her employee ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: NY
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:
On XX/XX/XXXX, I received a call from Navient claiming that I did not make my XX/XX/XXXX payment. I pay my student loan bill EVERY MONTH between the XXXX and the XXXX of the month, and have not missed a payment since I began my payback in XXXX. I sent them a copy of my bank statement to prove that I did, indeed, make this payment, and I was told they would get back to me. I then got another call more than a week later claiming that I also did not make my XXXX payment ( which was sent by my bank on XX/XX/XXXX ). After calling AND emailing them my proof of payments, they came back by saying they were going to investigate what happened to my payment. It turns out that the XXXX payment ended up being applied to my daughter 's student loan ; however, it was not the loan that I co-signed for her. It was ANOTHER of her loans that did not even have my name affiliated with it. While they retroactively applied the payment to my XXXX bill, they are still claiming I never paid in XX/XX/XXXX. In the midst of this issue, Navient sent me a XXXX payment history, which I checked against my bank statements. I discovered that I was never credited for my XX/XX/XXXX payment at all. I sent them proof of payment and asked why they never claimed that I was late for XXXX. I would have sent the proof back then if they had made that claim. Instead, they took my money and did not credit me at all. So out of the past four months, this has been the issue : XXXX they were paid, yet I was not credited ( sent proof of payment ) XXXX no issues XXXX claimed I did not pay ; they had credited it to one of my daughter 's loans and not mine XXXX claimed I did not pay and have not corrected the error as of yet. 
I am going to have to go back to XXXX to double check each and every payment to see whether or not I was credited accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a HSA account with Bank of America, I called to close my account. 
The first lady said no problem, she would transfer to to my BoA checking account, should be in there the next day. 
The next day it was n't in my account!! 
I called and the next lady said there was no record of me calling. 
I explained to her what the fist lady had said. 
She said no it would take XXXX to 7 business day. 
no way to speed up. 
Jus another way to hold on to your money.

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 2016-05-16
Company: SUN WEST MORTGAGE COMPANY, INC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SUNWEST MORTGAGE. Roof damages and my insurance carrier ( XXXX ) approved a full roof replacement. I had to inform mortgage Company Sunwest about this because the repair check was a 2 party check to me and mortgage company. After filling out all the paperwork, Sunwest informs me that they will keep up to {$150.00} of the contractors money so they can pay their own inspector to come make sure work is completed. I spoke to my loan officer and my insurance carrier and neither has ever heard of this practice. I look at all my loan docs when I signed with Sunwest, and no paperwork shows that if I have an insurance claim that Sunwest will basically take a deductible out for an inspection. Now, I am going to have to owe the contractor up to {$150.00} plus my deductible. Sunwest, stated they do this for the Safety of my family. They will not budge on this. I tried to even explain to them that we purchased a Permit through the county and they actually have an inspector come out and I could just forward them over the county info when completed. Sunwest said no and will still be withholding money from the repair check for their own inspector. 
I feel this is a shady practice and when looking for a mortgage carrier, would have never signed with them if I knew that I would be charged a fee if I have an insurance claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I request debt validation. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TMX Finance LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
title loan through titlemax XXXX tx. i have XXXX loans with them and have paid back more than i borrowed and still owe the amout i borrowed. i have been home with XXXX XXXX XXXX on medication that will not allow me to drive. they keep calling and i keep explaining i have very XXXX XXXX XXXX and cant drive. they told me after they added another XXXX XXXX dollars as a fee that i could have sent someone to pay it. they keep calling and harrasing me and im very sick. they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card
Issue: Balance transfer

Complaint:
I transferred part of TD Bank balance to XXXX credit card, the transaction date was on XXXX/XXXX/15 however my TD card did n't reflecting the transferred amount on my balance until the time i wrote this message, i contacted them several times, they keep telling me that the trans action may take several weeks to be processed, i think there is no justification on what they are trying to do other than charging me as much as they can on amounts i awe them and it is a good example of unfair treatment from big organization toward a little consumer.

Company response to consumer: Closed with non-monetary relief