BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
It is alleged that I co-signed a student loan for my son, XXXX XXXX XXXX in XXXX, 2005. I dispute the validity of that for the following reasons:1. At that time, I was judged XXXX by the XXXX Administration. All my affairs, including back accounts and financial decisions had to be approved by an administrator who was approved XXXX I did go with my son to the Texas XXXX XXXX XXXX XXXX and spoke with a financial person. I was not considered a valid financial participant by them. 
2. The signature is not mine. I am left handed, and whomever signed my name is a right handed person trying to write left handed. 
The XXXX, TX police took a report. They would not file charges because my trip with XXXX to the school was considered an indicator of my willingness to assist him. 
The XXXX. has ruled XXXX. 
Texas XXXX XXXX in XXXX, TX, will do anything including falsifying documents and lying to prospective students about job prospects in order to get guaranteed funds from the government. 
Can you assist in getting this removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent XXXX {$45.00} through PayPal invoiced. I was supposed to receive a XXXX account that had rare items. I texted him through XXXX and once I sent the money he blocked me. PayPal is making me wait till XX/XX/XXXX for his response and I need my money as soon as possible. I never received the account I was supposed to purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX the national credit reporting bureaus ( XXXX, XXXX and XXXX ) respectfully agreed to ament the process in which all medical debt collections are to be reported. There was no past collection experience grandfathered protected by these adjustments that were administered by the Consumer Financial Protection Bureau, and these changes were to be effective immediately in XX/XX/XXXX. Accordingly, I demand my rights under this mandate to be applied on a medical debt that was never given the opportunity for adjustment through insurance, or to me mitigated directly with the hospital where services were performed. There should be a deletion of these collections, a new request for payment sent to me, and if not rectified within thirty ( 30 ) days, then a six ( 6 ) month or 180-day timeline goes into effect before the collection can be reported. The hospital in question could release the debt through options it has with any trust or endowment it controls, or XXXX the write off to me at the referenced address I leave with this complaint. In any event, I am entitled to relief from collections by an outside source ( s ) until I am submitted a new statement from the hospital in question, and the abusive tactics of using XXXX separate collection agencies for the same account is not acceptable. This only means that my information such as my social security number is being floated through a debt pool, leaving me exposed to identity theft and a number of other problems. The collection must be deleted across the board on every credit bureau as mandated by the Consumer Financial Protection Bureau, and I must be protected with both my personal information as well as my rights administered by a federal agency procured under Dodd Frank XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had my XXXX student loans through XXXX XXXX, which turned over to Navient. I took out roughly {$35000.00} back in the mid XXXX for school tuition. When I graduated, I was not able to start payments, so the only option I was given was forbearance ( i.e., interest continued to accrue during this time that I put my payments on hold ). I also was told that I could only consolidate for a lower interest rate one time, which I had already done, so my interest rate has always remained the same, even with offers to others for lower rates. I have paid consistently on this loan since XX/XX/XXXX, have paid back my original {$35000.00}, and I still have {$38000.00} to pay due to the interest. No one has been able to help me with this. I read an article about the class action law suit towards Navient/XXXX and was wondering if I qualified for the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My small business debit card with Bank of America. On XXXX XXXX, XXXX I was shopping and made a purchase of {$180.00}. At the cash register after waiting in a long line, instead of providing my Bank of America Credit Card, I accidentally provided the debit card. They 're very similar, credit card is blue and debit card is light grey, but both contain the bank name in the same place, and the MasterCard logo. The purchase was approved but I did not have enough money in the account. On XXXX XXXX, this purchase and XXXX other much smaller business-related debits were processed. The bank paid all of them ( the XXXX smaller would have been covered had I not made the {$180.00} purchase ) but also charged my account {$35.00} XXXX times. On the XXXX of XXXX XXXX, they charged me another {$35.00} for " extended overdraft ''. On the XXXX of XXXX, I checked my account, found the problem, and deposited more than enough to cover these fines and debits. I was shocked that : # 1 they authorized it, and # 2 they did n't notify me. When I called the nearest branch, they said I must come in for discussion and set a time of XXXX. I immediately received an email confirming the appointment which amazed me they did n't do this for the overdrafts. The two employees I spoke to, XXXX and XXXX checked my account, and said I was only entitled to {$35.00}, the credit for one charge. When I asked why, they said " it depends who you are and what your relationship is with us. '' They further stated that it 's not the policy to check the money in the account before authorizing purchases under a certain limit. ( see website FAQ below ) I said I had thought it would be rejected if the money was n't in the account, XXXX said she warns people but does n't know what other employees say. To me this means it 's not an explicit policy to duly advise a customer. Also, I 've been with the bank over 20 years, and have borrowed and paid back {$50000.00} in business credit, although not since XXXX. 
The Website, under Debit Card FAQ 's is copied today : When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart. '' To me, this situation is the result of false and misleading information provided to me.

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 2017-01-21
Company: Navient Solutions, LLC.
State: MO
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 have been paying on my loan since 1999. When I started collecting social security ( I am low income ) my loan became income based but my loan payments have double or tripled. The amount for XX/XX/XXXX is XXXX. and when I looked up my account number it had gone up to XXXX. which is an amount I can not handle. I paid on my loan for years but I seem futher behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX 2016 : I logged on to Navient to make a payment and found my account put into forbearance without my permission or notification. When I called customer service to sort out this issue I was told by a representative that they had received notification from a 3rd party that my father, the loans cosigner, had died. Needless to say this caused me distress and to spend the next few hours calling my family and tracking down my father to confirm that this was not true. When I called Navient back, I informed them that the information they received was false. I then inquired about the 3rd party that sent notice and I was told that that information was not available. I then asked them to correct the issue and put my account back to its previous state so that I could get caught up on payments. After 40 minutes waiting I was told that it would take 72 hours. I informed the agent that I would not make a payment until my account was corrected. It is now over 3 weeks later and the account is still in forbearance and showing inaccurate information and I refuse to deal with their incompetent customer service again. The account is probably accruing interest and I 'm sure late fees as well, but I ca n't get that information from their website. I am suspicious as well about this " 3rd party '' that told them my father passed. Since they will not tell me anything about them I have to assume that they, Navient, are behind this because they are the only ones gaining from my account being in forbearance ( accruing interest ). So I have turned to the only place that might be able to help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Bank Of AmericaI need your assistance with release of lienThe document number is XXXX for XXXXMy modification was completed XX/XX/XXXXMy discharge for the XXXX mortgage was XX/XX/XXXXThe document number is XXXXThe amount XXXXBy providing lien release I can avoid bankruptcy court to complete avoid lien request requested - however I need to adjust value and will be granted according to bankruptcy judge notesI appreciate your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had line of credit with bank of America. 
I requested some document under Act ( FDCPA ) to send all this information but XXXX XXXX XXXX XXXX XXXX saying on email this loan was sold to XXXX XXXX and not providing any document. I have court date with XXXX and Bank of America is my original creditor. I do n't have any sign contract with XXXX. still I send the requested to them but I did not send me any is bein more then XXXX date.

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 2015-08-12
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My loan servicer is Navient XXXX formerly XXXX XXXX XXXX. When XXXX XXXX changed to Navient, Navient began frequent, repeated and extremely excessive phone calls to phone numbers that I did not provide to them for communication purposes in order to collect payments from me. The calls began after I communicated with them that I recently graduated and was unable to make the monthly payment at the current time. They call every day, XXXX days a week, all times of the day. They began calling from one number, then they started using another number, I suppose to surprise me. I also receive a letter from Navient every day in the mail. In addition, Navient contacts one of my friends looking for me ; I do n't know how they got this friends ' contact information but this friend is getting repeated calls and voicemails from Navient looking for me. This manner of collection is extreme, outrageous, excessive and it is interfering with me being able to live life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Accepted unemployment forbearance from lender JP Morgan Chase. I was told that credit reporting would be suspended during forbearance period of months of XXXX 2015 - XXXX 2015. Unfortunately, Chase reported my mortgage 30 days late for XXXX 2015 and 60 days late for XXXX 2015. I was under impression the unemployment forbearance gave a borrower a period of time of reduced payments to allow time to regain employment and pay the mortgage current? The mortgage was paid current at end of forbearance period in XXXX 2015. If knew in advance that the mortgage would be reported late during forbearance period, I would have not accepted the forbearance. There is bad faith on either JP Morgan Chase 's part or by the VA/government guidelines in explaining the unemployment forbearance? There should be a disclosure that states " negative credit reporting WILL result '' in accepting the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This complaint very much concerns Chase Bank in Michigan XXXX XXXX XXXX XXXX. 
The investment account in question at J.P. Morgan Chase Bank is under the name ( s ) of XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX XXXX born XXXX XXXX, XXXX XXXX plus XXXX XXXX born XXXX XXXX, XXXX. The initial owner of the account illegally allowed the investments labeled as belonging to XXXX XXXX XXXX XXXX, XXXX to be placed in the account. The account owner did not have the consent of XXXX XXXX nor was the account owner guardian over XXXX XXXX investment assets but still manage to have the bank place XXXX XXXX assets in the account. Chase do not possess any documents legally authorizing XXXX XXXX assets being legally placed in the account in question however, Chase is refusing to address that condition. Chase Bank have refused to turn XXXX XXXX assets over to him or as much as acknowledge the account exist being the account is not in XXXX XXXX name. 
Chase Bank have in action without acknowledgement invoked the account confidentiality of XXXX United States XXXX XXXX. In doing so Chase Bank is facilitating the illegal act of fraudulently holding the owner XXXX XXXX assets in the account in question. 
The initial illegal act was committed under the bank named XXXX which was thereafter purchased by Bank XXXX which was purchased by Chase Bank. On theinitial owner of the account death control of the account was by way of will given to the above owners in the period of XXXX still possessing the assets of XXXX XXXX. 
In attempt to prevent necessity of taking complaint of this fraudulent act to FBI XXXX XXXX now bring the Complaint to Chase Bank in its proper light. Surely the illegality of the condition transcend account confidentiality where XXXX XXXX is at issue. 
Very sincere, XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX XXXX XXXX XXXX of XXXX VA XXXX was servicing my vehicle under warranty for 9 weeks. Through a preferred customer arrangement with XXXX XXXX, they provided a loaner car in the final 2 weeks of that period. 

I was repeatedly assured from all parties that this car was being provided free of charge. I was asked to provide my credit card information only in the event I damaged the vehicle. 

The loaner was returned XXXX XXXX, 2015. On XXXX XXXX, XXXX billed me XXXX $ for the rental, almost 20 weeks later. 

I disputed the bill with Chase SLATE XXXX credit card. They ruled against me. I asked to see a copy of the document I signed. Chase told me they are under no obligation to provide this. 

I feel this is in violation of fundamental principles of contract law. I want to see what I signed, where I 'm sure it will be clear that I was not paying for the service. I think Chase SLATE XXXX is deliberately ignoring basic contract law. I feel that I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checking account with JP Morgan Chase has been manipulated for years now. On XXXX/XXXX/16 my account balance was {$580.00}, with a pending ACH transactions of {$120.00} and {$20.00}, XXXX/XXXX/16 account balance was {$510.00} with pending {$60.00}, {$100.00}, {$25.00}, with check # XXXX for {$290.00} out for payment. ACH transaction of {$120.00}, {$60.00} {$100.00} and {$25.00} was paid, which left a balance of {$190.00} that was showing on XXXX/XXXX/16 as the balance in the account. Same balance was on the account at XXXX am on XXXX by XXXX XXXX my alert on the account said I was overdrawn {$190.00} all the ACH transactions that was cleared the day before, suddenly reappeared the next day triggering a negative balance, that incurred ( XXXX ) overdrawn fee. Chase manipulated my account after the check came in on the XXXX/XXXX/16, by erasing the {$190.00} balance so they could sub-batch all transaction from high to low to maximize their fee. Now all the transaction were now showing they came in on XXXX/XXXX/16 so could justify their fee, erispective of how these were posted. I am fed up of big banks manipulation of customers that does not carry huge balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
JP Morgan Chase is threatening to cancel my credit card I have had for 15 years WITHOUT XXXX late or problem unless I fill out a XXXX! They already have my current address and SS #, all my legal information AND I have never now ( nor have I ever ) worked for them as an individual or independent company! THEY DO NOT NEED THIS INFO! If they lost it or the company has been compromised then I should not have to provide it again anyway. I 'd like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company keeps reporting XXXX collection accounts which have been paid. When I paid these accounts they agreed to remove them from my report ... I guess it 's called a paid for deletion. I never received a letter fro them which I understand is important. I 've called them on the phone & they said the would n't remove them. They continue to report the account as a collection when they agreed over the phone to remove it. The negativity is impacting my ability to get a loan when it was paid over 2 years ago. I would like Paragon to remove it at once from all XXXX credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase is charging overdraft fees for account being negative 3 hrs. Account shows positive at XXXX cst and then goes negative by XXXX. If I cover the negative amount the same day they still charge me the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Nelnet, Inc.
State: CA
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:
When I consolidated my student loans, it was serviced by Nelnet. There was an incentive package that they advertised which constituted of a .25 % reduction in interest rate if you autopay and 1 % reduction in interest for on-time payments or a cash rebate when the loan was consolidated of XXXX of the balance of the loan. When it was time to receive the 1 % reduction in the interest rate they stated that I no longer qualified as I made a late payment several years prior. This was incorrect. When I supplied them with the information, I had on file they never responded. They stated that I was late making a payment on XXXX/XXXX/XXXX and that I did not make a payment to XXXX/XXXX/XXXX. Also that I had turned off my auto debit payment. This was incorrect. I show no email stating that I had turned off my auto debit and I have emails going back to XXXX in my XXXX account. Also, I had an unemployment deferment stating XXXX/XXXX/XXXX so I did not have to make that payment as I was in deferment. This is clearly noted in the document they supplied me. XXXX XXXX pmnt histry and defer histry ''. It is a pdf file attached. Also, this was after years of it showing I did qualify on my account status page. Also, I have asked them several times for the policy, contract, or rules regarding these incentives. They have never supplied me with this information in writing or verbally. Also. I have asked who was the originator of my loan and who currently holds the loan as they are just the servicer. They have not supplied me with this information either. Finally, I asked them for the literature on the incentive package that they offered when I consolidated my loan, and they did not give that to me. Their position is that the incentive programs are not part of the loan consolidation agreement, and they are not bound by it. Their rules are not transparent which makes them impossible to follow.

Company response to consumer: Closed with explanation