BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-18
Company: TCF NATIONAL BANK
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My account check card was stolen ... I alerted the bank and they charge me over {$300.00} in bank fees then closed my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: MIB Group, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like a investigation into the accuracy being reported on my MIB file under the fcra. I request you delete the two items that were put on my MIB Record by XXXX. This is not correct, those were reckless driving and that happened in XX/XX/2008, Please delete those two items you have my MIB FILE # XXXX immediate. I will file a complaint with the consumer financial protection bureau if this is not done immediate. Your file is inaccurate and false

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
I made XXXX balance transfers. The fees for the transfers are not reflected on the statement. The company phone representatives can not tell me what the fees were or if they still are outstanding and are accruing interest. I have stopped making any other purchases on this account in order to make it as simple as possible ( and since closed the account ) If payments are applied to outstanding fees of any kind I should be able to see that on my statement to account for payment allocation, but I can not. 

My total balance should now be at 0 % interest ( for XXXX defined time periods ) therefore the statement balance should be visibly decreasing on each statement dollar for dollar, but it does not. 

I have paid well over the amount of any fee ( visible or not visible ) that would have been related to the XXXX balance transfers. The company 's phone representatives should be able to see where the money was applied or if fees still exist, but they can not. 

As I have requested by telephone on 2 separate occasions ... I want to make sure the " invisible '' fees are paid off and not accruing interest. I want to see where my money was applied each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I keep getting harassing phone calls regarding payments. I have tried to talk with XXXX ( Sallie Mae ) about a lower re-payment option, such as any income based rates, and have been told no that I need to pay my monthly amount or I will default. My interest rate keeps increasing and my amount owed has never gone down in the 3 years I have paid. I work full time at a decent paying job and most of my paycheck monthly is paid to these loans. I have never missed a payment, but I have used all of the allotted time ( 12 months in total ) to put payments on hold due to family and medical emergencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It is true that an amount is owed for a medical bill, however the bill is greater than XXXX years old. I am told that the bill should only stay on my credit report for XXXX years and then drop off. I called the collection agency to confirm the date and they placed a date on the bill as if it were made very recent. Is this possible can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
comerica bank charged abusive fees despite I have direct deposit with them, not only charge the XXXX overdraft but also a XXXX per day you have insufficient funds, plus charged an extra returned tem fee which dont know where it came from a total of XXXX only in fees because of three monthly charges and insufficient funds, what abusive practice of working people like me that live on day by day Budget. : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest US banks. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.

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: 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 am submitting a complaint of the huge amount of interest that went on the loan since Navient has taken over. Even with the IBR, the payment is a little high. I was out of work for over 6 months and the repayment was higher than when I was working. I had to submit a request several times before it was completed and or processed. Not to mention that some of the loans have late payments and some do not even though they should all have been due around the same time. When I requested that the late payment be removed, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has intentionally sabotaged my account and the associated " Pay for Performance '' plan annual incentives, a minimum {$5000.00} value, I am now no longer eligible for due to the incorrect denial of a Home Affordable Modification Program ( HAMP ) of XX/XX/XXXX and the subsequent appeal, that to date, I have yet to be informed of the resulting determination made upon completion of the appeal review of XX/XX/XXXX in writing. 

Just to be clear, Bank of America has never written to e informing me of the resulting determination made upon completion of the XX/XX/XXXX appeal review and associated Appeal Report with documentation. In fact, Bank of America has represented to me I have been denied HAMP on appeal multiple times since XX/XX/XXXX by the various assigned dedicated single point of contacts ( SPOCs ). 

Additionally, Bank of America has charged my account for the balance due on the CalHFA XXXX Deed of Trust by adding that amount to the principal balance in XXXX and have been assessing interest on this amount as well since XXXX, but failed to forward payment on the CalHFA XXXX Deed of Trust to CalHFA or the State of California since XXXX and to date. It is unclear if Bank of America intends to forward payment in full on the XXXX CalHFA Deed of Trust associated with this account at this time, or reimburse me the total amount charged and assessed to the principal balance on this account to date, including interest. To date, I have not been reimbursed for any charges and fees, including interest, that have been erroneously associated with this account. 

Bank of America has committed fraud on a mortgage or Deed of Trust by misrepresenting and omitting material facts related to this account during the loss mitigation processes to date. Not only has Bank of America acted fraudulently, Bank of America has acted negligently by intentionally prolonging the modification process with the use and employment of stonewalling tactics designed to separate me from my home and property, however unlawful. 

91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Malicious Cedit Reporting. 

All previously mentioned resolutions are desired and mandatory and must include all associated dollar amounts related to this account including, but not limited to the total value of the Pay for Performance incentive plan.

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 2016-08-17
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have not worked for over 3 years and have reported this to my student loan. I filled out the form for financial forbearance and sent it in. I began receiving harassing calls from Pioneer Credit Company at which time I told them that I was out of work and could n't pay, and to please stop calling and harassing me and when I got a job I will pay. The harassing phone calls did not stop. After I stopped answering the calls they began to harass my wife and now my neighbors. They have left messages on my neighbors phone letting them know that they are trying to collect a debt from me. They are telling my wife that it is her responsibility to pay for my school debt.

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 2016-04-14
Company: Navient Solutions, LLC.
State: AZ
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:
XXXXNaveint : Loan is a loan that came due in XXXX XXXX upon XXXX. Still paying on loan ( almost 16 years ). Payment was {$390.00}. In XXXX XXXX we requested auto pay be increased to {$480.00} with the goal of paying the balance off in 5 years. Current employer is reimbursing us annually from XXXX - XXXX timetable for the next 5 years for student loan. The XXXX XXXX payment was changed to {$140.00} without our knowledge, consent or direction. when calling them today they said that they did an internal audit that reduced the payment. I told them we had no desire to have the loan extend to the 30 year timeline nor was it their decision to make this change without direction and/or permission. This seems to be an illegal and immoral business practice on their part. It looks like they have been audited on their business practices before. It it has happened to us, I am sure this is a larger global business practice. I pushed payment to them of {$390.00} - supervisor is suppose to manually post it with the auto payment and put our payment back to the {$480.00}. How many customers have they done this to. How many customers are n't paying attention. This error would have also cost us money on re-reimbursement as well as increasing the term of the loan. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wife opened an individual checking account with Bank of America ... ..Several weeks later we opened a joint checking account with them as well ... ... Check was presented in joint account that was returned for insufficient funds ... ... We corrected the issue and placed cash in the account to cover the same ... ... ..We received an alert from Bank of America to contact and to resolve the issue ... .We did so accordingly early that morning ... ..Later that afternoon, we went to the ATM to get money out ... ... Unable to do same and needed to call the Risk Closure center ... ..We called them and they said that they will need to close the account due to " fraudulent activity '' ... Make me understand where placing money in your account is fraud ... ... They refused to keep the account open ... ..To make matters worse, my wife 's individual account had been used by her on multiple occasions ... ... Bank of America closed her account as well ... ..That was insulting to us that a small mistake that we resolved cost us full closure of our accounts ... .They treated us like we were criminals and did not try to assist us ... ... Why send the alert to resolve it and then close the account afterwards ... ..To make matters worse, we still have money in the accounts that we can not access because they will be sending it to us in the form of cashier 's checks ... ... .Went to the local branch to try to resolve it ... ..System stated that they could not reopen account all the way up to branch manager ... ... A bad way to treat a potential customer ... ..I understand about the accounts being new but to close both accounts was a little ridiculous to me ... ... My wife was fuming about the whole situation because she deposited money into her account and there was no issues with it ... ... ..We have been basically banned from Bank of America for a minor mistake that was resolved in less than XXXX hours once it occurred ... ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
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 do n't make enough to make money to repay my loan fast enough. I 've tried calling them to lower my payment but all I get is " there 's nothing I can do for you '' I owe more then $ XXXX and I feel that I 'll be paying this along with interest until I 'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient had me put my loans in forbearance because I could not afford the monthly note. They told me I made too much money to do the income driven plan. After years of deferrals and forbearances the interest was rising and now I went from owing XXXX to XXXX. I started sending XXXX bi weekly when they said all avenues were no longer available. I sent payments for several months. I received harassing phone calls on my cell, at my job, and emailing me constantly. They turned me in as defaulting and I was sending the XXXX bi weekly. Then, after turning me in and ruining my credit. They sent XXXX after me and they submitted garnishment of my wages documents with my personal social security number and identifying information to fac numbers that went to my co workers and not our payroll department. XXXX did this. I called them and said that was illegal. I ended up having to send them XXXX a month and could not afford it. Now, I owe them over XXXX dollars instead of XXXX. Disguisted!! XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX The college I attended was University XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Outrageous over draft fee of Bank of America and Rude behavior of customer service rep when called for resolutionI am having Checking Account in Bank of America and I When Travel to XXXX on my XXXX and bank of America Does n't have any ATM's/Bank Center to Deposit the money to Meet Bill payments, When I have Bill payment scheduled to pay on particular day and During that Period on Travel ans also extended stay I ca n't able to deposit money to meet the bill payment and Bank of America need to facilitate some kind of method to handle with out having charges from other financial institutionsThe XXXX Over draft charges of {$35.00} each XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I wrote to SYNDICATED OFFICE SYSTEMS about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation of debt that this was my account I never owed this debt with them. They have never sent me validation that I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ERC is a debt collector trying to collect from sprint. Never received any validation from either debt collectors but they are reporting on my credit report negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have called several times to work out a payment plan that would work for my budget. I have been repeatedly told/forced to take a forbearance rather than allowed to set up a payment plan that would work for my budget. I would like to pay on my loans but feel that because I can not pay the outrageous {$800.00} a month payment, I 'm being forced into deferring or forebearring my loans to get more interest out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Navient Solutions, LLC.
State: DE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with someone in XXXX regarding my private student loan through navient. She was very rude and was not helpful at all. I attempted to correspond through mail and asked that they stop the phone calls and contact me by mail. They have continued to call me, sometimes XXXX times a day, and have told me they ca n't correspond by mail. I spoke with someone in XXXX and again that was not productive. He was again rude and threatening. I just spoke with someone who was again rude and threatening. I am tired of being harassed when i have been corresponding with their company. I have requested documentation in terms of the loan in question and they only sent me half of it and i was told they ca n't send the rest i have to find it online. They have now begun calling anyone that may be associated with me, including my brothers mother in law, who has no part of this situation at all. Even after my mother asked them to stop calling this is being handled through the mail, they continue to call repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My student loans are with Navient I applied to have payments reduced via some sort of repayment plan back in XX/XX/XXXX ... I later found out that all my loans were reporting separately as individual loans even though I had consolidated them years ago while they were under XXXX I called navient and I was told to do a request to have them consolidated again so that they report at XXXX loan instead of XXXX separate loans ... so I did ... then areond XX/XX/XXXX I received a letter about my repayment request saying I did n't turn documents in which I did and then I called and the rep located them and said she was forwarding them over. A few weeks later I received a letter saying I had a payment due XX/XX/XXXX even though my loans were in defferment until XX/XX/XXXX. I called and was told the loans were paid off because of the consolidation but my application for repayment plan was still being processed and there was nothing I needed to do .... now weeks later the loans are still reporting to the credit bureaus as XXXX individual loans and as personal loans ( even though they are student loans and were previous reported as such ) but on navients site they show as XXXX lump some with XXXX payment ... I also have not received anything further regarding my repayment options or application .... this has been the worst process ever and I have been patient yet getting no where with them..

Company response to consumer: Closed with explanation