BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I worked as a XXXX for about ten years and I have documented that amount of Public Service to Navient and they denied my request for Forgiveness. Further I graduated with a XXXX in XXXX, then began XXXX. I began paying back my student loans then. That was 20 years ago now. Navient, Life of the loan history, that I will send you if you like, only goes back to beginning of XXXX, so 2 years of history and payments are missing. They gave me credit for 70 payments and have received back to amount in dollars and cents of over XXXX XXXX XXXX, {$22000.00} and that is just about exactly all I borrowed in the first place. Then they are also saying that I have paid them {$5200.00} in interest. But they are still demanding another {$9100.00} plus dollars in principal and interest, with {$3200.00} of Capitalized interest. I think that I have paid both in the fact of working in Public Service, XXXX, and in the fact that I have paid all the amount I ever borrowed. 
The fact they are asking for another {$9100.00}. plus dollars is a 50 % or nearly rate of return on the initial loan. They are making 150 % investment on me and I did the Public Service work. It just is not Right. Please help? I can also send the documentation of my years of service to verify what is written here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
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 attended XXXX school XX/XX/XXXX and was informed my only option was defer my payments until graduation. I then entered a sixth month 'grace ' period, of which I collected so much interest. I assumed this was my only option. Also, i have since signed up for automatic debit for payments XX/XX/XXXX to get a .25 % discount on qualifying interest rates and I was awarded this credit FINALLY XX/XX/XXXX according to my statement. I never received notice that i received the interest rate deduction or any reason why it was so delayed in being applied to my accounts.. ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: OH
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 unfortunately did not find a good paying job after graduation. As I anticipated having to repay back my loans, XXXXNavient wanted me to repay back a ridiculous monthly payment that I simply could not afford. I would offer a lower payment that I could afford and they would refuse and tell me I could just go on a forbearance and/or deferment. If I had know then that I could do an income based repayment plan rather than accepting the forbearance and/or deferment each time I would not have accrued as much interest over time. I kept telling them I can pay something and they would not accept it. 
They said I could pay whatever I wanted, but I would still be on the deferment and/or forbearance. If only I had more options 10 years ago. 
I went back to school again to try to get a better job and after years of school and accrued interest I wo n't even begin to make a dent in my payment. I luckily am now on an income-based repayment plan just wish I had n't been pushed into forbearance and/or deferment as the only option for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: DE
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 attended XXXX XXXX XXXX this college cost me several thousands of dollars. I did not receive the help or internships as promised. I would contact the college on several occasions and each time I had a new student advisor. I was always told the previous person had found another job. I was unable to find any jobs in my area for the degree I obtained. At this point the degree has become useless. I 'm stuck with a hefty bill I will never be after to repay and I think the Loans should be discharged. The college lost there accredation and has since then been reported as closed and was under investigation for several things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I was baited & switched by Bank of America because of that I 've been asking them to refund my credit report & appraisal money. The issue still has n't been resolved. 
I applied for a conventional cash out refinance XXXX XXXX, 2016. I explained to the loan officer how much cash out I needed. He gave me a worksheet with estimated cost & 80 % LTV of course the final is when the appraisal comes back. He sent me an email XXXX XXXX telling me the appraisal came in lower, he informed me of the new loan amount which was fine, it only decreased by {$1100.00}. Two and a half to three weeks after he sent that email, I tried calling him multiple times to find out the status of the loan & when we were closing. Title company contacted me & said they were ready to close as soon as BOA was ready. I finally reached the loan officer, he told me they would n't approve 80 % LTV that they would only do 70 % LTV. I asked him why did that change, he said because of my credit score. I was livid ... they knew my credit score from day XXXX not to mention why did it take 30 days to come to that conclusion. That 's where I was baited & switched. Even after that I tried to contact the loan officer about changing to an FHA loan, I did n't want an FHA which he knew up front, but I already spent money on an appraisal & I needed to get this done. After multiple attempts he never responded, I was frustrated & had to contact another financial institution to refinance my cash out mortgage. That cost me another appraisal fee, I do n't have money to give away. After calling several branches for a couple of weeks I was finally able to reach someone who could give me the loan officer 's manager 's contact information. I spoke to his manager about refunding my appraisal fee & credit report. They still have n't resolved my issue.

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 2015-05-14
Company: Navient Solutions, LLC.
State: CO
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 went to XXXX XXXX in XXXX New Mexico from XX/XX/XXXX - XX/XX/XXXX. While I was there I earned degrees in XXXX, and my XXXX. XXXX a year I would go in and sign paperwork for my upcoming loans. Never was I given information regarding the interest on the loans, or how much my monthly payments would be. By the time I finished school I had over {$100000.00} in student loan debt principal and another ~ {$50000.00} in interest. Now I pay so much money I ca n't buy a car or a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have n't tried paying my loan back due to financial hard ship. Also the school i attended in XXXX fl. XXXX for XXXX was closed.due to false practices which i was told. I feel i should not have to pay back my student loan because after graduating in 2009 i was never ever abale to receive my Diploma. Then i was told my Diploma is not longer valid because the school has been sued. I need to go back to school and start the process from scratch. I feel if thats the case i shouldnt have to REPAY NAVENT any help would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a modification for my home " primary residence '' for over a year now. I send the documents that the servicer " SELENE FINANCE '' requests, but they continue to ask for the same documents on a repeated bases, nothing seams to move in the direction of a modification. I was told that the file would go to underwriting, but then they say that more documents are needed, and then they ask for the same documents. I have a foreclosure sale date scheduled for XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
THE BEGINNING BALANCE AND HIGH CREDIT IS INCORRECT. I AM ATTACHING COPY OF SALES CONTRACT REFLECTING THE CORRECT BEGINNING BALANCE AS {$3000.00} WITH A {$730.00} DOWN PAYMENT NOT THE {$3900.00} BEING REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had disputed multiple items with all XXXX credit bureaus. It did n't even seem like they did investigation since a couple creditors had said I was correct and that it would be removed. So I sent a second letter asking for information on how the investigated it. Still nothing. Sent third letter letting them know they were n't following the laws and asked them to remove the items within 15 days and they are still in reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested validation of collections/ negative accounts on my credit report and received a printed copy of what looks like a bill/statement. This is not proper validation of these accounts and I requested removal. These accounts are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A negative item appeared on my credit report stating an uncollected debt. I have no prior knowledge of the debt, and was never sent a bill or collection letter, EVER, for this debt. My credit score has declined as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been trying to get my mortgage caught up with XXXX 's debt collection company for over two months, Dovenmuhle Mortgage Inc. Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call Dovenmuehle and they wo n't give me info until I submit letter to reinstate, which I mailed on XX/XX/XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. XXXX/Dovenmuehle received my check and letter but not deny getting anything else from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Finance of America Holdings LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PARENTS CUSTOM BUILT A HOME IN XX/XX/XXXX. THERE HAS BEEN SEVERE DAMAGES ON GOING WITH THIS HOUSE. IN XX/XX/XXXX, THE DAMAGES MOUNTED OVER XXXX. MY MOTHER WAS FORCED INTO TAKING OUT A REVERSE MORTGAGE IN ORDER TO REPLACE THE ROOF IN XX/XX/XXXX. IN XX/XX/XXXX, XXXX, WE FOUND OUT THAT THE MAIN SEWER LINE RUNS ALONG THE LEFT SIDE OF THE HOUSE WITHOUT AN EASEMENT. IN CONTACTING THE ENGINEER DEPARTMENT FOR THE CITY, WE WERE INFORMED THAT THE CITY OWED US A GREAT DEAL OF MONEY AND THE TAXES WOULD BE TAKEN CARE OF BY THEM SINCE WE WERE FINANCIAL BROKE BECAUSE OF ALL THE DAMAGES WE PAID FOR OVER THE YEARS. AS OF XX/XX/XXXX, THE REVERSE MORTGAGE FORCLOSED AND SOLD OUR HOME WITHOUT OUR KNOWLEDGE. WE HAVE BEEN WORKING CONTINUELY WITH THEM OVER THIS PROBLEM. WE HAVE SENT THEM ALL DOCUMENTS SHOWING THAT WE HAVE AN EXCELLANT CASE FOR FRAUD AGAINST THE INVOLVED PARTIES. THEY INFORMED US THAT THEY DIDNT CARE AND WAS N'T THEIR CONCERN. MY MOTHER HAD XXXX THE DAY BEFORE THE HOUSE WAS SOLD. HER HEALTH IS FAILING GREATLY AND IS FACING ANOTHER XXXX IN XX/XX/XXXX. I HAVE SUPPLIED THEM WITH A DOCTOR 'S LETTER STATING HER CONDITION TRYING TO KEEP US FROM HAVING TO LEAVE AT THIS TIME. THEY WILL NOT BUDGE. THEY EXPECT US OUT BY XX/XX/XXXX. ALL THEY CARE ABOUT IS THAT THIS IS A GOVERNMENT BACKED LOAN AND WOULD RATHER GET THEIR MONEY FROM THE GOVERNMENT INSTEAD OF THE TRUE RESPONSIBLE PARTIES. THESE PEOPLE ARE DESTROYING MY MOTHER AND THEY ARE NOT EVEN WHO WE DID THE REVERSE MORTGAGE WITH. I DESPERATLEY NEED HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Rewards

Complaint:
Discover advertises a XXXX % cashback bonus on all purchases a consumer makes with a Discover card at a gas station. On XXXX, I made a {$46.00} purchase at XXXX with my card ending in XXXX. Discover failed to issue its advertised {$2.00} cashback bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: WLCC
State: OK
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I had to close my bank account to prevent Green Circle from taking money out of my account! ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) Now I 'm receiving threatening e-mails from Green Circle stating that they are going to contact my references, and I received 2 emails from Green Circle that they are going to do a Wage Assignment ... last time I checked I did not volunteer for a Wage Assignment and two I realized that Green Circle is n't licensed!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05
Company: DISCOVER BANK
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received an email on XXXX XXXX 2016 from Discover Student Loans stating that they had not yet received my payment. I logged onto my banks website and saw that a payment of {$200.00} had been withdrawn from my account on XXXX XXXX at XXXX by Discover Student Loans. I then logged on to my DSL account and checked the payment history. My XX/XX/XXXX payment was marked {$200.00} and next to it was the word " paid ''. I went to the home screen and along of the top of the page was a banner that said my payment was past due. It also listed a minimum payment due of {$210.00}. I called DSL and talked to a CSR who informed me that my minimum payment due had changed in XX/XX/XXXX to {$200.00}. I told him that I had not received an email or any paperwork in the mail about this change. There was also no indication on the website that my minimum payment had changed. He responded that it had changed in XX/XX/XXXX, corrected himself and stated that the terms had changed in XX/XX/XXXX. He became very confused over whether the terms had changed in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. He indicated that I should have received a message in my account inbox on the site about this change even if I did n't receive an email. I checked the inbox and there were no documents present. When I told him this, he stated that the documents must have " expired '' and that I no longer had any access to these documents, but that the terms had changed in XX/XX/XXXX. He corrected himself again, stating that it was actually changed in XX/XX/XXXX. He was unable to provide any documentation when they had changed or what they had been changed too. The CSR then stated that in order to bring my account current, I would need to pay {$6.00}. I questioned why if I only owed {$6.00}, the website had {$210.00} listed as the minimum payment due. I had paid {$200.00} on XX/XX/XXXX, in the payment history it was marked as paid, so it should only be {$6.00} due. The CSR said that was correct, but the website would n't show partial payments only total minimum payments. Going to the online bill page, the past due amount was listed as {$0.00}, despite being told I owed {$6.00}. 

1. I was never notified about a change in payment terms. 

2. Discover Student Loans was unable to provide any documentation that the terms had changed ( my previous months statements had " expired '' as well ). 

3. The CSR I was talking to on the phone was confused as to when the payment terms had changed. He stated it was in XXXX, XX/XX/XXXX, and XX/XX/XXXX multiple times throughout the conversation. 

4. The site itself never stated how much I needed to pay to bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: DISCOVER BANK
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have phone logs dating back to XXXX of XXXX calling in an excess of 6 times a week, many before before XXXX. The representative for their collections have been told repeatedly not to call but they continue to call. I have sent a letter to their legal representatives XXXX, XXXX and XXXX to cease communication and collection activity until the debt is validated, yet they are still reporting the debt to the credit bureaus as an active collection without any notation of the debt being in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each Items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Payoff process

Complaint:
I paid off my entire balance of discover card that was stated in my last billing statement. My balance was over {$3000.00}. I made small payments on time for over 8 years until finally I was able to pay off the entire balance. Once the balance was paid off, I stopped recieving statements. I assumed this was normal since I paid the entire balance off. However, I recently checked my credit and it went from XXXX to XXXX. Upon investigation I found that Discover card had reported I had missed 4 payments and was delinquent. This troubled me as I was under the impression my entire balance was paid off. Discover card told me that I had {$45.00} dollars in interest remaining. When I asked why they did not send me a statement or call me notifying me after the first missed payment or telling me I still had a balance, they said my statements had been returned. However, I have not moved in over 5 years and my number is the same number they had, I even asked the representative to verify it for me. Prior to this issue, none of my statements had been returned. I was receiving them monthly. In fact, this is how I knew how much to pay off. Of course I would have paid the {$45.00} remaining interest had I known. I have never missed a payment, and was working hard to get out of debt. But unbeknowest to me, I still had a balance. I asked discover if they can fix this with the credit bureau, however they said it is too late because it is already reported. I feel this is extremely unfair. They can not report missed payments when they did not send any statements notifying me of balance for 4 months. I was under the impression the credit card was paid off and because I did not receive any statements, I had no reason to believe otherwise. Furthermore, they did not call or notify me once I missed one payment and y address and hone number has been the same for 5 years. I have been a loyal customer for over 8 years and feel this was dishonest and unfair.

Company response to consumer: Closed with non-monetary relief