BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: Navient Solutions, LLC.
State: PA
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:
When my son entered college it was necessary to have a co-signer. The application indicated I would be the co-owner, which I had a problem with. The loan officer said I would not be responsible for the loan " that is just the way the form is created ''. I asked her if I could notate that on the Promissory Note with her name and she said yes. I wrote down everything she said and sign under the notation, not " on the doted line ''. XX/XX/XXXX my son stop paying his loans on a regular basis, then not at all. XXXX XXXXNavient called my phone everyday, so many times that I stopped answering it. In the beginning I would request a copy of the Promissory Note with my signature so that I could explain why I did n't feel responsible. Each time I received a copy with a computer generated signature. 
XX/XX/XXXX, I answered a call from Navient and tried to explain the extenuating circumstances under which I signed as co-signer and that I would be willing to help my son with his loans if they would just send me a copy of the original note so I could have for future reference if the calls started up again. Because she was collections, she said she would issue the request to Customer Services and if I did n't hear from them to contact them directly. I received another computer generated document and contacted Customer Services who inform me that sometimes these documents are lost. I learn last week that it is a Federal Law that the signature page must be provided upon request. I will probably need legal assistance because I kept my word and have paid on this loan for almost a year but I have never received the document I need. I am turning the responsibility back over to my son and hopefully, though doubtful, he will pay this loan. I still need the document to prove my claim but have been unsuccessful. Please help me obtain this document that I believe we help me clear my name. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Navient Solutions, LLC.
State: CT
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 writing to the consumer financial protection bureau to remake a complaint concerning a matter which I previously made a complaint on in XXXX of 2015 ( complaint # XXXX ) on my private student loans. At that time I made the complaint that even though I was paying my bill, Navient was still harassing my aunt who is a cosigner on my loan and was suffering from XXXX, had a XXXX and had XXXX at XXXX XXXX and XXXX XXXX Hospital in XXXX XXXX, where she lives. She has now been diagnosed with a mass on her liver. When I complained to you and your organization, you got in touch with Navient and the harassing phone calls stopped to my aunt. I continued to make payments and arrangements as I will outline in the following but my major worry is that they have yet again started harassing my aunt. I would seriously request your help in making them refrain from harassing my aunt suffering from XXXX who is not responsible for the bill and only a cosigner. I would like her removed as I have been making the payments. 
As of right now, I had spoken with Navient and had been told if I submitted bank statements and pay stubs that I would be qualified for a program to reduce my interest rate to 1 % and my payments would be {$250.00} a month. I submitted the paperwork and they took a payment of {$250.00}. Navient left me a voicemail saying I was approved but they needed to speak to me. When I called back, they said I was not approved in complete contradiction to what I had been previously told and with the amounts of money taken out of my account. Of course no full names were given to me and they did not give me any other options. In the mean time they have taken XXXX more payments of {$250.00} out of my bank account. They have continued to call my Aunt who has been battling XXXX for years having XXXX, a XXXX and been through XXXX treatment and recently discovered a XXXX. My XXXX continually receives calls at home and at work, day and night. The last person I spoke to at Navient told me he needed to speak with my aunt to set up the program. When my aunt spoke to the man he was extremely rude and said " You can pay your bills but not us. '' That is completely wrong to say that to someone who has been paying medical bills on top of her own family matters and who is not responsible for this bill and is simply a cosigner. It can not be legal for Navient to take payments and then say I am no longer qualified for the program let alone verbally abuse my aunt on the phone. I am trying my best and have been making payments but Navient continues to break their word and not work with me and harass my aunt which I have previously put in a complaint about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all 3 major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). Many of the accounts are duplicated as collections. This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX never late XXXXXXXX XXXXXXXX never late XXXX XXXX never late XXXX XXXX XXXX XXXXXXXX not mine XXXX XXXX  XXXX XXXX never late XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$420.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$1800.00} not mine XXXX XXXX XXXX XXXX {$520.00} not mine XXXX  XXXX XXXX XXXX {$1300.00} not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: Navient Solutions, LLC.
State: IL
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 was told it would be good to consolidate all my loans. I asked for reasons why I would not.I had about XXXX different student gov. loans ( mine ) and XXXX Parent plus loan ( for Daughter ) They explained but left out the part about the Parent plus loan ( which was XXXX of about XXXX loans that I had been paying XXXX dollars a month on ) screwing me out of an income driven plan for ALL of the loans. They sent me a letter and told me I had 10 business days from the date of the letter to change which loans to go into consolidation. I got it on the XXXX business night. I called immediately seeing the horrible number I can not pay on the XXXX day. She said, and there is record of it, that she told the consolidation team to take the XXXX parent plus loan out. It did not happen. I get the notice by email that I will pay XXXX every month until I die. I am XXXX yrs old. 
Congratulations! You just screwed yourself. I called and they said they could bring it down to {$440.00}. That is 25 % of what I BRING HOME. I can not eat if I pay their new payment. I would like my payment to go back to the {$40.00} it was at. And the XXXX dollars the single Parent plus loan was at. OR since it has been consolidated, be realistic and make me pay {$200.00} a month. They mislead me, I asked and asked for a reason I should not do this consolidation and had they told me this was the outcome, at anytime, I would NEVER have consolidated EVER. It was never spelled out like I could understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit collections service is trying to collect a debt they bought and they are not licensed to operate in my state.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When i initially borrowed my student loan i was never notified that it was only a 7 year pay back period therefore making my monthly payment extremely high. After complaining to Navient they said i had no other option except to use forbearance up to 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
ON XXXX XXXX 2014 THE DEPARTMET OF JUSTICES ORDER BANK OF AMERICA PAY XXXX BILLONS FOR PRINCIPAL REDUCTION FOR CONTRYWIDE LOANS SIX MOUTH BEFORE TO THE ORDER COME IN TO EFECTIVE BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX MY QUESTION IS DO THIS IS LOAN IS GRANDFATHER IN I NEVER HAVE A PRICIPAL REDUCTION ON MY LOAN EVEN SO I ASK THEN MANY, MANY TIMES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Small late fees were being added to the principal, once and sometimes twice per month, for over a year. Called Navient, they said they would refund the fees and deduct the amount from the outstanding balance. However, I 'm so busy with life, I ca n't sit there and go through all my XXXX loans to see everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I received of Debit card from BofA and within 2 months the chip stopped working. I am very cogniscient of the need to protect a card with regard to magnitization however when I reported this to BofA the only response was that I had to pay a {$5.00} fee to replace the card. I have gone several months without using the chip feature however it has gotten to be such an annoyance that I have finally given up and ordered a replacement and paid the {$5.00} FINE

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 2022-04-21
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My friend asked me to borrow {$210.00} and i accidently sent to his old account on venmo that was hacked. I tried contacting venmo within 2 minutes of the transaction to unsend it. They stated that it couldn't be unsent and that I would need my friend to reach out to them. I have attached the chat log from the multiple times i contacted them. My account name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have federal student loans, initially with Sallie Mae, then Navient, not XXXX. 

In high school XXXX XXXX XXXX XXXX, I was repeatedly pulled out of class to hear from a third party representative about federal student loans and filling out a XXXX form. From my perspective, it seemed that all students pulled into these presentations were high-performing, low-income students. 
I was told by counselors, teachers, and the representative that all student debt was a " good debt '' and an " investment in my future ''. I was told not to worry about the amount I take out, as I would be able to consolidate the loans and have a " manageable payment ''. I do not know where this third party came from, but I believe this was a predatory act by federal loan servicers and that my high school was prioritizing numbers ( % of grads attending college ) over my wellbeing. 

Through the years, I have paid over {$14000.00} toward my federal debt. {$4000.00} of this has been applied to my principal. The amount I borrowed was about {$20000.00}. My current balance is over {$25000.00}. From XXXX, I consistently made my monthly payment, however {$0.00} were applied to my principal balance. 
I set up this repayment plan at a time when, if I was on XXXX, my monthly payment would have exceeded an amount that I could afford to pay. I was offered an alternate payment plan that I could afford, which is the one I've described where my principal balance increased by {$5000.00} over the course of 6 years. It was not explained to me at the time that this payment plan would set me up to perpetually experience more debt rather than work towards repayment. I believe I was taken advantage of by the student loan servicing companies. 

I feel as if my situation, because I did not experience forbearance or missed payments, is slipping between the cracks through the current and ongoing lawsuits and legal changes. Also that the misleading marketing about federal loans that I experienced came from an unknown third party at my high school. I truly believe that, as a low-income student with parents who did not graduate college, I was misled and taken advantage of by the federal student loan system. 

I'm not sure what you can do with this information but I felt I needed to share my situation as I continuously see news about potential relief and successful lawsuits that provide relief and support to people who have been similarly taken advantage of by this system. There must be others who share these experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Exeter Finance Corp.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I do not owe this account or the money I have previously filed a complaint with exter and XXXX and have not heard anything from them or you regarding this negavite report I would like a validation of this account and the amount this company is reporting I 've already provided the documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: The CBE Group, Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Effective XXXX/XXXX/2015 a XXXX CBE Group has been calling my XXXX work telephone nonstop around the clock. I did a little checking on the internet and it appears as though this is some type of SCAM to get someone to pay someone else 's bill. I have cable and do not have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Navient Solutions, LLC.
State: NY
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 roughly XXXX of private student loans on top of about XXXX federal loans. I have a great paying job and am making right around what the average college XXXX makes. I have been trying to get my private loans consolidated for about 8 months now. I have been unsuccessful in doing so. Even though I have a good credit score and my cosigner has a great credit score & gt ; XXXX, a I was told I needed an additional co-signor and when I did apply with XXXX co-signors, they denied my consolidation. I recently went to buy my leased car and the car dealership informed me that my student loan debt accounts for 112 % of my monthly income. Luckily I have had a great deal of over time the past 4 months and have been able to keep up with payments, however now overtime is dwindling and my savings is starting to vanish as well. XXXX eventually I wo n't be able to make payments within the next 4-6 month period. I have found my private loan supplier to be uncooperative, unsympathetic, and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This has been going on for over 2 years now. XXXX is trying to collect a " debt '' that doesn't exist. On XX/XX/XXXX I moved to another address, and completed a " transfer of service '' from my old address to the current one. When I first received a notice that I owed a past due balance ( this was around XXXX of XXXX ), I called XXXX and they apologized for the inconvenience, and assured me that the balance would be removed. Several months later, I got a similar notice. I called XXXX again. They advised me that there was no balance showing on the account for ANY of the previous addresses, and that I should disregard. Fast forward to mid XXXX, I start receiving notices from XXXX XXXX XXXX ( Debt collector associated with XXXX ) that I owed over {$400.00}. On XX/XX/XXXX, I filed a complaint with Consumer Financial Protection Bureau and on XX/XX/XXXX the issue was supposedly resolved. XXXX XXXX stated this in response to the complaint I filed : " ... .In response to this complaint, XXXX XXXX has closed this account in our office and returned it to XXXX XXXX If you have any further inquiries regarding this matter, you may contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns .... '' Now, I'm getting a notice from I.C. System Inc for the SAME EXACT THING. I do NOT owe XXXX any amount of money. They are mistakenly trying to collect a debt that I do NOT owe. They have told me SEVERAL times that " this issue would be resolved '' or " I don't see any past due balances on your account '', etc FOR OVER 2 YEARS NOW.

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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I filed a Bankruptcy in 2010 my Bk was discharged I included the Mortgage and the charge off of the mortgage in my bankruptcy. The bank is Bank of America in 5 years thye have not released the lien nor have they taken my name off the property I am being held liable for all the expenses that are incurring on the property. Iahve called them several times they say they reconcongize the mortgage and the chargeoff and it was included in my bankruptsy they are saying I tried to do a loan MOD which is not correct they will not show me any paperwork or anything I have been dealing with this for 5 years now it is causing me financial hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: SinglePoint GI
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attended school at XXXX XXXX XXXX of XXXX. I wanted to enroll in the XXXX, but their XXXX  classes start in XXXX. I was using financial aid, after submitting my transcript and other information and started class, I was told I needed to submit a statement why I received a XXXX for a previous college due to the pandemic and I worked at XXXX and I had to work extra hours by my employers not having enough workers. I did that and the representative would not approve it. The representatives had a very nasty attitudes. I attend college now and is using financial aid. This school is ripping students off by trying to make them pay. I was dropped before the semester was over and they wanted me to pay the {$3000.00} and start the XXXX classes over for XXXX XXXX. I should not be held responsible for that lack of trying to use my financial aid. I should not be penalized to make this payment. The school is doing unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company keeps reporting that the three inquiries are legit and must remain on my credit report for two years after I advised them they where being fasley reported due to identity theft and fraudulent activity. I disputed this on XX/XX/2022 and on XX/XX/2022 it came back as verified and accurate no therefore no investigation was done!!! Im being violated clearly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
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:
I disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief