BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I do not understand and I have asked the company to talk to my aunt on my behalf and they refuse and the payments that they are setting are to high. I am not working at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am in private student loan default with Navient ( formerly XXXX XXXX ). These are loans taken in XX/XX/XXXX and XX/XX/XXXX. While I was pursuing a XXXX they were happy to keep deferring my loans. I did n't know what that meant for interest and now owe them more than XXXX the actual amount I borrowed ( current amount is now over XXXX and it grows larger each day ). They are demanding payments that are too large for me to make each month as XXXX ( {$1100.00} ) but wo n't work with me to set up reasonable plan and wo n't let me send a lesser amount to show good faith. They call in excess of XXXX times a day. When I talk to a rep I am insulted and threatened ( losing my XXXX, sheriff coming to my house to arrest me, asking if I enjoy collecting degrees and not paying my debt, asking why I 'd get a XXXX if I was just as XXXX, etc ). I know I owe them money, but are they allowed to call so often or to insult me and lie to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was given a promotional offer for XXXX 2014 that I would receive 5 % cashback on all Theme Park purchases. I was traveling to XXXX XXXX so I used this card for all of my purchases inside of the Theme Parks. After I received my statement from the card I noticed that none of the purchases were given 5 % cashback, even though they were inside of the most well known Theme Park in the world. 

This apparently was due to the transactional coding that the merchant establishes. I contacted Citi-Cards XXXX times to resolve this but they would not offer any sort of compensation for this clear false advertisement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card with Citibank Visa and I submitted a dispute on a charge. There is a dispute center on their website and a message center. However, when they put very important documents out on the website for me to read, XXXX of these XXXX logical places to retrieve this information were used. They hide the documents so that I wo n't be able to locate them in order to short-cut the dispute process and not assist me in settling the dispute with the company. I feel this is deceptive and does not provide the cardholder logical and reasonable means to address items that need to be completed in order to respond in the dispute process.

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 2015-06-20
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a written request to Asset Acceptance , LLC dated XXXX XXXX, 2015 they received my written request on XXXX XXXX, 2015. On XXXX XXXX, XXXX I received a letter from them stating they purchased my account, however they REFUSE to validate my account as per my written request and has placed this account on my credit reports. They failed to Validate within a timely manner and they are trying to collect on a zombie debt. Violation of FCRA and FDCA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I have an American Express Blue Cash credit card. And this credit card has an introductory rate of 0.00 % for balance transfers, and a 13.49 % interest rate on purchases. The online portal for this credit card does n't tell me what my exact balance is for each category. And the problem is that the card agreement makes it seem really convoluted how your monthly payment is distributed between the different categories. You might think your payment is paying off your highest interest category first, but it turns out it does n't pay it down all the way, and this gives American Express the ability to keep charging you interest on purchases. 

Last month ( XX/XX/2016 ), I got sick of this shell game. It had been going on for something like 2 months by that point : I thought I 'd be paying down my higher-interest purchase balance, but my payments were n't being applied to where they should have been, so I kept getting charged interest. So XX/XX/XXXX, after consulting with a help agent on Amex 's live chat ( which itself took a lot of work for them to just tell me what my purchase and balance transfer balances were ), I paid off ALL my purchase balance, paid off an additional {$500.00} extra just in case, and did n't make any new purchases. This, the customer service reassured me, should have paid down my purchase balance completely to {$0.00}, leaving only the balance transfer which is n't accruing interest at this time. 

Yet today, when I checked my Amex statement, I STILL am being charged interest for a purchase balance of something like {$27.00} in spite of the fact that I HAVE N'T USED THE CARD TO BUY ANYTHING FOR SIX WEEKS!! 

So basically, Amex is violating its own cardmember agreement, by illegally shunting my credit card payments into lower-interest balances, thus not paying down the higher interest balances, and thus allowing them to continue to charge me interest on when they should n't be. They might also be charging me interest on purchases I 've never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been paying on my loans since XXXX and I am being told that I am unable to get cosigner release. Also I am unable to refinance my private student loans because of unsatisfactory credit ratings. My cosigner is unable to help me pay as he is in XXXX. In my promissory note it mentions that " auto default '' is possible if my cosigner passes away. I am currently on a 3 % interest rate reduction program and though the payments are high it is more manageable than the principal & interest or entire balance being due. Please help as the Navient representatives are not helpful at all in keeping my payments and loan account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Navient Solutions, LLC.
State: TX
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 graduated with my XXXX degree in 2009. I began to repay my student loan. A company called Navient, XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX, called me and stated that they can lower my monthly payments and also put me in the Loan Forgiveness since I am a XXXX. After doing this the Federal Loan Servicing began to send me letters that I was late on my payments. I pay everyone on the XXXX of every month since that is when I get pay. They misrepresented themselves to me by telling me that they where going to help me. I paid them a fee and I still did not get what they promised me. I would like to get my money back. I have to pay late fees because they used to send the payment to XXXX late. Also my school is under review and is closed. I tried to enroll with XXXX and they told me that my XXXX degree was no good for them. Please advise and, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my report

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 2017-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a secured cc account with bank of america in 2013 for {$300.00}, a while after I closed out my account. Later the bank said I owed them XXXX when I only had a limit of the {$300.00} I put in ( my line of credit ). Later they reduced it back to XXXX. I opened the account with the explanation that the {$300.00} I put in was my limit. When I reached the limit I could not use the car until I put another XXXX in. The bank is now saying I owe them XXXX and keep reporting it on my report with no data displayed and when I call the bank or write them and ask them for proof, since I could only use what I put in, I am told they do not have to provide that to me ( per XXXX ). They are also reporting the dates wrong on the report.

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: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller id says gila Corp but when answered it is a message instructing me to call an XXXX nimber for " municipal services ''??? Well I have no idea who this company is and according to my credit report which is free of collection items that I do not owe, then there isbnobreasoj for me to call the number. On XXXX/XXXX/2015 this number called me three times. They call once a day but they called three times at XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!!

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 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went through a loan modification with BOA a few years ago ( XX/XX/XXXX ). My payments were made on time yet BOA held one payment and it is indicated on my credit report negatively for 7 years ( until XX/XX/XXXX ) and affects my credit rating. This should be illegal or a notation should be entered into the credit reporting agencies stating that payments were made timely but one was held by the mortgage company and not a late payment by the individual. I do not feel I should be penalized because of BOA and other mortgage company 's procedures. I would like a notation on my credit report that the " missed/late payment '' was due to BOA holding a payment even though the payment was made on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage has gone into foreclosure due to a separation/divorce. At the time my husband left I was only working part time and could not afford the payments. I have since obtained full time employment. He has walked away from the loan. He has no contact with the bank and does n't care if the house forecloses. I have tried everything I can to work something out with Bank of America. I call them weekly, applied for a modification, and even saved the past due amount to reinstate the loan. To my dismay, they pushed forward with a foreclosure and filed judgement against me in local court. The are requesting additional information from my husband, which he would not provide because he does not want the loan anymore. I offered to pay the bank to reinstate the loan. They sent me reinstatement figures. There were XXXX of dollars in fees attached in addition to the past due amount of the loan. I asked for a detailed listing of the fees. They would not provide them to me. I was told by my Bank of America Customer Relations Manager to contact the attorney handling the foreclosure to obtain a breakdown of their fees. When I contacted the attorney, XXXX XXXX XXXX of XXXX of XXXX, PA, The amount to reinstate was completely different and a lot less than the bank was telling me. The woman at the attorney office told me I could send payment to them directly and the loan would be reinstated. I contacted the bank again, they denied this was an option. The told me to forward payment to them. I asked the amount needed to reinstate. I was given another estimate. Completely different again. It had gone down from the first quote, but was still higher than the attorney. They told me this was due to " estimated '' charges. I asked for a breakdown of these charges. They can not provide that to me. They told me to pay the amount by XXXX XXXX or they are filing for a Sheriff Sale date in my county. I have told them again and again I do not have the {$13000.00} or the {$11000.00} needed to reinstate that they want. I can pay the past due amount, the {$9700.00} for my back payments and have asked to make other arrangements to pay back the " fees ''. They refuse to accept the payment. They want the full amount they keep telling me. I asked why foreclosure went through when I was trying to get a modification. They could not answer me. Bank of America was requesting additional documents they told me. Every time I call I get a different person with a different answer. Bank of America is telling me it 's the lender, FHA, that 's requiring the full amount to reinstate, yet the amount changes every time I call. It 's like they want to foreclose on the loan and are not willing to help me save it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Payment sent using our Bill Pay with our Credit Union on XXXX, which is by Electronic Transfer. Payment not applied by Bank of America until XXXX. Our XXXX payment was sent also via the same method on XXXX, per our Credit Union, money was deducted from our account on XXXX, received by BOA on XXXX. Today is XXXX and our payment still has not been applied. Per our Credit Union proof of payment has been faxed twice to BOA over the last two days via fax XXXX. I have called BOA several times to have this matter resolved without resolution. They tell me they do not have my payment. THEY DO!!! I am worried about credit reporting and my mortgage becoming delinquent.

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 2017-02-25
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I cashed US Savings Bonds at Valley National Bank, XXXX, NJ. Upon receiving my XXXX from the bank one was recorded for the whole amount and not excluding the principle. I have called the banks customer service, spoke with a branch representative, wrote their executives and have yet after over a month received a corrected XXXX. Here is the text of my email on XXXX XXXX and resent second request on XXXX XXXX. 

XXXX XXXX XXXX - President Valley National Bank : Dear XXXX, I usually write to XXXX XXXX when the occasion arises however, I decided to give him a break. Unfortunately, as a Valley customer and shareholder I continue to have issues with the bank except when I go to the XXXX XXXX Branch. That said I cashed numerous US Savings bonds that are now maturing after 30 years. Last year from mid-year on I cashed XXXX, this year will be XXXX at XXXX per month. I cashed all in XXXX XXXX except XXXX and XXXX of the XXXX cashed in the XXXX XXXX XXXX branch was incorrectly recorded. Why I know and why it sticks in my mind is that although I have multiple relationships with the bank, put my driver 's license through your system and opened the accounts in that branch the CSR proceeded to demand ID and she even wanted my Social Security card which I do not carry. This is all even with me depositing the proceeds into the passbook opened in that branch. Please see below. 

On the VNB XXXX received the bond number is XXXX and the amount recorded is {$110.00} which should have been {$90.00} since the bond at that time was a {$50.00} bond that you paid {$25.00} for hence the principle amount. On XXXX XXXX after a long and arduous conversation with customer service they connected me with XXXX from the XXXX branch. After discussing the XXXX at exhaustion she agreed it was wrong and put me on hold, made some calls and when she came back advised I would be getting a revised XXXX. Well today is XXXX XXXX and I have yet to receive a simple correction. Sadly, the additional {$25.00} shaves off {$15.00} additional off my refund. It is a miniscule amount but why should I be penalized for the poor work on behalf of a VNB employee, would you not agree? 

Before I go further, I am respectfully asking for your help. 

Very truly yours, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had been using my bank of america banking application along side the banks automated teller system to ensure that I was not using any funds that would make my account overdrawn. As of yesterday, when I had all but on pending transaction on my account, it read that there was {$20.00} in my account available, I checked the automated system and it told me the same information. Now, today I found that I have been overdrawn on the account. The bank even recinded the overdraft fees because they said it was a bank error, when I asked for the {$20.00} I would have had in my account back they said that I could file a fraud claim to get the money back. I then reminded them that I did state I made the charge and I would not be filing as that would have been fraudulent. The manager said that would be the only way to get the money back, which was really upsetting to hear the only way to get my own money back would be to do something illegal.Their system constantly tells me I have available funds, and I can not use the card for weeks and it will then change the amount available ( no newly posted charges will show either to explain those charges ) their fraud dept STILL has n't sent me any paperwork I needed for a fraudulent charge. I am very saddened by the fact that this bank constantly admits that their system is messing with our money, but refuses to do anything about it or to make things right for their customers as a whole. Especially since this would definitely be considered fraudulent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX a check was submitted for withdrawal for {$1400.00} leaving a balance of {$300.00} however it was returned. A fee of {$35.00} was taken from my account leaving a balance of {$300.00} on. XXXX/XXXX/2016. 
On XXXX/XXXX/2016 it was returned back into account leaving a balance of {$1700.00}. 
It should have never been an insufficient returned check nor charged.it was embarrassing. To have my first months rent returned when the money was available. 
I would like my {$35.00} returned into my account.

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