BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, American Education Services acquired my private school loan from XXXX bank about a year ago. I have been making my monthly payments through automatic debit ( which provides a slight decrease in my apr and defaults to the amount that they expect to be due ... even if I pay ahead it 's always a specific amount ). I recently realized that breaking my payment into bi-weekly payments would help me pay off the loan sooner and with less interest. 

I contacted AES and requested that my automatic debit amount be changed. I first requested that it be taken out bi-weekly but they said they ca n't do that. I then requested that they only take out the half of the payment when they process it then ( so keep the auto debit but have it be half the amount ). And then I could go in and enter a manual payment for the rest. They said they ca n't do that. 

In no other industry have I encountered a company that wo n't let me automatically debit the amount that I request. This is unfair business practices because in order to make the payments as I would like I need to cancel the auto-debit and make the payments manually on my own which will lead to me losing the apr benefit that I am getting with auto debit. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested validation of an item reported by Transworld System Inc. I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPPA release form authorizing Transworld System Inc access to my medical records.

Please delete this information from my credit file with all 3 credit bureaus XXXX XXXX and XXXX and cease all collections activities immediately! 

I will be pursing every legal action available against Transworld System Inc should this item not be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient continues to report a parent plus loan on my credit report, sends me repeated emails, which I 've asked them to stop and asked the credit bureaus to correct. They have acknowledged my bankruptcy filing on XXXX/XXXX/2013 and discharge order dated XXXX XXXX, 2013. Because they are continuing to report a balance and have ignored the courts discharge order, I still have a very low credit score and can not obtain new credit over three years after the discharge. The loan is was never categorized as a student loan nor is this particular loan subject to bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called navient to inforn then I 'm unable to make payments due to financial problems. I asked them since I contacted them if they could stop calling my co signer who is elderly. They told me even though I spoke to them they would not stop calling. I told them that was harassment, and that by law once contact is made thsy ca n't keep calling. They disagreed and tild me that were going to call until they had payment or payment arrangements. I told them at this time myself and cosigner are XXXX financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been XXXX since 2007, contacted loan servicer asking why both lenders still show on my credit. Applied for borrower defense to pay. Was told hold up on both sides XXXX schools. No help no answers interest still adding up. Paid down free back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I recently applied for a HELOC modification with Bank of America. I use to work in loan modification, so I know / knew to only submit the request if I fit the guidelines. I was told that my income was XXXX per month. I have asked several times where and what numbers did they use to get that figure because my employment income is {$32000.00} a year ( XXXX per month ). My HELOC payment went from {$180.00} per month to {$440.00}. I want to pay this loan, but ca n't afford that much of a increase. During the process I was subjected to numerous request for the same docs over and over, to find that the REP gave me the wrong fax number. It was mentioned to me that some of the docs I sent was placed by the scan team in the wrong place. This could be the reason for the inflated income. Perhaps they used things for income that just is n't true. I have one job, the income should be easy to calculate. I have detailed dates and times and request I received from them with confirmation of docs being sent.

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 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender states I owe money on a Mortgage related debt. I do not own the home anymore. I do not owe the debt under California Code Civil Procedure 580d and Code Civl Procedure 580b I wish to have copies of all my loan documents to determine why this lender thinks I owe money ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling in reference to a loan I cosigned for my granddaughter. I have informed them that my granddaughter will not answer my phone calls or text messages about this debt and I am on now XXXX years old, receiving social security, and have XXXX and can not handle the stress of the continuous calls. They called me XXXX times on Saturday even though I have asked them repeatedly to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the loan on X/XX/17. At the time of my approval I was not notified that my interest rate would be an outrageous 661.47771 %. I took out a loan for {$400.00} and has already paid XXXX close to double. At the end of my loan I would have paid {$1500.00}. I contacted the company thinking something was wrong is the reason I am still having it taken out of my account. I was told about the APR at that time in XX/XX/XXXX. I believe this company has hidden the information from me at the time of process.I have went through all the initial paperwork and nothing stated the interest amount. Please assist me in this matter, I feel like they are misleading and have truly taking advantage of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a savings account with B of A MANY years ago to compliment the checking account I 've had with them since XX/XX/XXXX. I only opened it upon being assured that there were no monthly fees associated with it. And, indeed, there were none until, beginning XXXX XXXX XXXX, BofA started deducting a $ XXXX/month monthly fee. They never notified me of their intention of doing this, and I only noticed it in XX/XX/XXXX. By then, I had paid XXXX x {$12.00} = {$60.00} in fees. I phoned to complain and ask for a refund, but the agent only offered one {$12.00} fee as refund. To her credit, that agent then also changed my account to another type of savings account where there are ( apparently ) no monthly fees in the future. 

I consider deducting funds from my account without a pre-notification to be tantamount to theft. If I had been notified, I would have closed the account, or changed to the type of account without fees. 

I escalated my complaint to XXXX XXXX, an " Escalation Manager '' who said that I " probably '' must have been pre-informed, and there was nothing he would do to repay the {$45.00} that BofA by then had seized and not repaid. He could not demonstrate to me that I had been pre-notified - only his opinion that " it must have happened ''. He would not give me the telephone number of his manager, XXXX XXXX, for me to escalate further.

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 2016-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/16 I made a single {$200.00} online payment to my Bank of America Visa card. 

On XXXX/XXXX/16 a {$200.00} payment was withdrawn from my XXXX XXXX Savings Bank checking account and credited to my Bank of America Visa account. This first payment did show up on my Bank of America Visa account. 

Then on XXXX/XXXX/16 a second {$200.00} was withdrawn from my XXXX XXXX XXXX Bank checking account and credited to Bank of America Visa. This second payment ( which was unauthorized ) did not show up on my Bank of America Visa statement, and they claim to have no clue about it. 

I went to my bank on Thursday XXXX/XXXX/16 and they verified that the money was indeed sent to Bank of America to be credited to my XXXX account, and that they can not do anything about it because Bank of America already received that payment. However, I was told by Bank of America ( on XXXX/XXXX/16 ) that they never received the money and told me repeatedly that the problem had to be with my bank and that they should deal with it ( even after I told them that XXXX XXXX XXXX Bank confirmed that Bank of America received the {$200.00} ). They did, however, say they would look into the matter when I phoned them and that they would call me back within 24 hours. I still have n't heard from them. 

I may live on XXXX 's XXXX but I only make {$300.00} a week and this missing money has resulted in my not being able to pay some of my bills. It seems as though it has disappeared into no where and it was essentially inadvertently " stolen '' by Bank of America due to a problem with their e-payment system. I am upset by the fact that there seems to be no actual paper trail and Bank of America is not willing to take any sort of responsibility for what happened. 

The only thing I would like to add is that after all this I was contacted by XXXX XXXX by mail regarding a security breach at their company. I received the letter late on Thursday XXXX/XXXX/16 and called them that day. They said that my credit card information my have gotten out and that I should have my credit card number changed. I phoned Bank of America ( their XXXX is my only active CC ) and requested to have my number changed. I told the customer service person at that call as well ( the second call to them that day ) about what happened regarding my missing {$200.00} and he said he would also make a written complaint for me. I 'm not sure that the incidents are connected, however I think you should be aware of this and also know that the CC # I have provided as a reference is the cancelled card # ( I wo n't receive a new card and number until later this week ). 

Thank you.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had many issues with XXXX/Navient. When I was unable to pay due to financial difficulties, they refused to work with me nor help me to put me in a repayment plan that was reasonable. They have misallocated my student loans many time which has caused me to default on one of my student loans and the loan went to collections. I have since then paid off the loan which went to collections but it affected my credit score. XXXX/Navient has harassed me many times when I was unable to pay the full amount of {$1000.00}. They have told me to ask my boyfriend for money to help pay and that my rent is too high and I should move to a lesser expensive apartment. That is just 2 of the examples. The representatives at both companies have misinformed me many times and contradicted themselves with the information I was given. Because my credit score was affected, I am not able to consolidate my loans with another lender. 

I attended XXXX, California which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Other

Complaint:
There is a Bank of America credit card history being reported to the Credit Bureaus, but it does not belong to me. It is impossible to try and address any complicated matter with Bank of America because their customer service is so inefficient and time-consuming. 

I know nothing about this credit card that apparently was opened in XXXX/XXXX/XXXX, closed on XXXX/XXXX/XXXX, but oddly, there is a date of last payment showing as XXXX/XXXX/XXXX. It is a negative report, and I want Bank of America to stop reporting this inaccurate information, and to inform the Credit Bureaus -- XXXX and XXXX -- to permanently remove these inaccurate data. Also, please inform XXXX if BOA reports to them. If BOA believes this account belongs to me, then they need to provide substantiate this with evidence ; I have a Bank of America checking account that was opened in XXXX in XXXX. 

Note : I see in my XXXX report that the Bank of America address cited is from XXXX XXXX, XXXX. I have never lived in Texas. Just recently I had an account removed from my XXXX Credit Report that was not mine -- it had the name XXXX XXXX associated with it ( mistakenly under my Social Security number ) and there is an address showing in the XXXX report that has an XXXX, XXXX address with a XXXX date on it. Maybe all this information is connected to one or more other people. Please check everything. 

Whoever this BOA credit card account belongs to, I do n't believe it is even supposed to be reported at this late date, given statutes of limitation.

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 2015-10-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
With the previous assistance of the CFPB, Navient agreed to allow me to enter into a repayment plan at a lower interest rate with lower monthly payments due to economic hardship. My economic hardships resulted from being unemployed and no offers on the table at that time. The repayment plan was that I was to pay {$340.00} per for the next year at 1 %. If at any time I did not make a payment on time Navient had the option to remove me from the payment plan. The payments were to be automatically deducted on the XXXX of each month. The first payment was due XXXX, 2015 and the funds were taken out XXXX XXXX, 2015. The second payment was due XXXX XXXX and the funds were taken out on XXXX XXXX, 2015. The XXXX pay, likewise, were due on the XXXX but this time they were not automatically deducted from my account on XXXX XXXX, 2015. When I contacted Navient I was told that I had defaulted on my account and that I no longer had a payment agreement with them. 
At first I thought it might have been a error on my credit union 's account because the funds were in my checking account and available for withdrawal. I explained to the representative that it had to be a banking error because the funds were there. He stated to me that that did not matter and that my repayment plan was now void since Navient had not been paid on time regardless of whose fault it was ; since it was a new month and I had not notified them by the last day in XXXX. He also stated that I maybe be able to get into a new repayment plan but it would be more than my original plan. I notified my financial institution of what had happened because of the error with my account. It was then that it was brought to my attention that Navient had not attempted to withdraw any funds from my account on XXXX XXXX, 2015 per our agreement. After checking my account statement I checked my Navient account. Under the correspondence there are two documents stating that I am delinquent on my loans. The are dated before the XXXX loan installment was due. I did receive a message stating that if I do n't enter into a different payment plan or pay the past due amount this month my account would be placed into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I went to XXXX XXXX about ten years ago little did I know that coming out of school that I would be making extremely high monthly payments. I could not make the payments with the current job I had so I completely stop making all payments. Years later it has affected my credit tremendously most of the loans are charged off or defaulted on which looks bad. At this point I can not get any type loan car home etc. I do not know where to look or how to get these loans off my credit report which has put me in a tight spot. I would like to finally get this resolved once and for all so I can have a secure financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Rewards

Complaint:
This is the follow-up to my earlier response on case # XXXX. I have declined the company response asking for proof to substantiate their claim that gift cards were purchased. As they claim that was the reason due to which they are denying me roughly XXXX in promotional bonus. I totally deny their claim. Discover need to honor the promised cashback on all my XXXX purchases asap. No update was made by the bank on my earlier case ever since I disputed the response ( alomst 6+ weeks back )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Lately I 've been cleaning house of the unnecessary and decided it was time to just close my credit card accounts to avoid the balances continuing to rise although I knew I would never use them again. 
I knew it would take a long time but much less time than if I continue to watch them grow balances with the interest charged. 
Over just the last 6 months the balances rose by over {$1000.00} without using any of them. I would have closed them all out 6 months ago. 
I cancelled XXXX cards and I asked each and every XXXX of them if I can make my payment on line or by phone. Also will my payment go up or with this freeze the interest so I really work toward paying them down? These XXXX I would give acknowledgement to are XXXX, XXXX, XXXX. 
All XXXX said yes, it would freeze it and I could continue to make my minimum monthly payments if I chose to and I would see the balances decrease. 
Discover card has a different story. XXXX tells me that regardless if the card is open or closed, interest will still accrue at the same rate. 
How can this be true? I 'm am forever in debt to Discover card unless I get a big chunk of money to throw their way? 
Stealing, thievery, trickery, wrong and I 'd like someone to stop it please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I responded to Discover credit card 's promotion offer XX/XX/XXXX. In particular, Discover offered 10 % rebate for purchase at XXXX XX/XX/XXXX. I made purchase at XXXX following the instruction at discover.com. However, Discover credit card did n't honor its program to give me the rebate it had promised. I have been chasing the money since. I contacted Discover credit card several times, initially, it told me that Discover offered 5 % rebate, not 10 %. I asked Discover to provide its document to show the 5 %, not 10 %. It has never provided any document. Then, it changed its position, told me that Discover credit card did not offer any promotion at XXXX. 
I field complaint against Discover credit card XX/XX/XXXX. Discover credit card responded with the complaint was not authorized user. It is total lie. The attached documents show that I do go by different names and Discover credit card is fully aware of my names. 

In summary, Discover credit card has unfair dealing and cheating me on the promotion.

Company response to consumer: Closed with monetary relief