BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-01
Company: AES/PHEAA
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:
Ever since FedLoans took over my student loans in XXXX. I have had many issues and none have been resolve with Fedloans company. I have called many times to try to resolve the issues which includes : payment plan based on the 3 x I have summited income driven based ( IDB ) application so I can afford to pay my loans based on my low income status, I have along with summiting the IDB application 3 times I provided proof of my taxes, paystubs and copy of prior lending XXXX letter of approval and amount per the request of Fedloans varies reps. They also in both XXXX and XXXX put my account saying my accounts were not paid up to date. I have proof from both bank statements and recipt showing I had been paying my loans auto deduct from my XXXX XXXX XXXX checking account, and when loan was transfer from XXXX to Fedlaons I had made one payment for the amount of {$24.00} by visa debit on XXXX/XXXX/XXXX to Fedloans to put my account updated, then they said about two weeks later that they never recv. the payment when on my bank account statement clearly shows they remove the money from my checking account, the rep from Fedloans then asked me to make another payment for the same amount, on XXXX/XXXX/XXXX, I advise her I had made a payment prior, so I had to pay once again same amount, when I called them a week later to advise them now I show twice on bank statement the amount of {$24.00} taken out of my account they refused to refund me the over payment, and I had asked that any auto pay or direct withdrawn be remove so that Fedloan wont be able to take out any money from my account, once again they failed to do so because without my permission again they are taking out of my bank account another {$24.00} on XXXX/XXXX/XXXX. I have emailed them to correct this issue, I have called many times but nothing has been done. I have asked for Fedloans to place all my account they have together into XXXX payment plan, but it has yet to be done, I have asked for them to change my payments based on my XXXX income based application nothing has been done, I even recv. a letter stating my IDB application was approved from Fedloans as well but no payment on my account has been changed, I am very concerning that this company has not since day one of taking over my student loans accounts resolve any issues nor have they made any effect in trying to help me. I am afraid they are going to ruin my credit and I have doing so well paying my student loans prior to Fedloans taking over in XXXX. Please help me with these many concerns and issues I have with Fedloans.gov, before the matters gets worse for me. thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt of XXXX XXXX  owned by XXXX XXXX ( property tax ) was sent to Nationwide Credit Corporation between late XXXX and XX/XX/XXXX. I inquired with the county after realizing I never received the yearly property tax bill. I reached out via email and was told the debt was forwarded to the above collector. I reached out via email on XX/XX/XXXX and followed up XX/XX/XXXX asking both times for a reference number or further information about a debt that would have been sent from XXXX XXXX. Despite receiving an auto email that I would receive a response in three days, I never received one. I have not been informed that I have the debt or been able to dispute it. I would like it to be removed from my record since I can not address it. 

Thank you for your time, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX or XX/XX/XXXX I borrowed a signature loan from a local XXXX company. This account has gone into collection. I have been paying on this account through a consumer debt company. To date I have paid {$680.00} which I have statements to prove. My credit report shows open balance of {$1400.00} on my credit reports with XXXX. Under the provisions of the Fair debt reporting act they should be held accountable or delete the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX & XXXX, I received notification from a collection agency ( Afni ) stating that I owe cable company XXXX {$1400.00}. The account opened with the social security number was fraud and identity theft. I submitted the Affidavit to Afni, and Afni has received and closed the fraud account. I recently tried to have XXXX install cable in my home. XXXX still show a due balance of {$1400.00} related to the fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Clark County collections was paid in full by me and my husband and they continue harassing us saying we owe more and we do n't they now are garnishing my husbands paycheck when we did n't owe anything else to them and no legal action was taking to our knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient call me at least four times a day on my home phone and cell within minutes after talking to them over the phone. They have caked my home at XXXX on the morning and then again on the hour sometimes after talking with a person there will be calls on the hour from a recording. They have called my home as late as XXXX then an automatic call will chine in within minutes of one another. I pay on my loan every month i was told today that Navient was going to take legal action against me. I am pretty sure that I 'm being harassed and to day i was threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: FULTON FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX of XXXX, I brought XXXX XXXX XXXX  to link my and my wife 's XXXX XXXX accounts to our joint checking account. The bank branch advised they can not provide stamp/seal of Treasury documents as stamp/seals have been removed from the branches. Only financial advisors have access to the stamp/seal and will only come to a branch if we were to request financial advisor services. 

Approximately a week ago, I mailed the form to Treasury without the stamp/seal. 
I submitted XXXX XXXX without the stamp/seal and it was rejected on XX/XX/XXXX. 

XX/XX/XXXX - Contacted Fulton ( XXXX ) to discuss with their customer service. There is no option to talk to a person and the phone tree would only give account balance detail. 
XX/XX/XXXX - Emailed Fulton Bank and response is pending.

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 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On  XXXX   XXXX ,  XXXX  a charge of {$560.00} appeared on my Ba nk of America visa credit card statement. It was an erroneous charge that I had not made. I contacted the nu mber next to the charge on my credit card statement. It was a contact number for  XXXX . I informed them that I did not make this charge on my credit card. I have never had an account with  XXXX . I then called Bank  of America  to notify them of this bogus charge. The bank then eliminated the charge off my credit card statement. A couple of weeks went by and I received a package that I never ordered. It was a hair extension of some kind. I threw it away thinking that since Ban k of America  had eliminated the charge off my statement that the problem had been resolved. On  XXXX   XXXX ,  XXXX , I arrived home from work to an email message from Ban k of America sta ting that they had reinstated the {$560.00} charge to my account. I responded by calling the  XXXX  number again to try to extract additional In- formation from them. They divulged the business name, niquesboutique and customer service number  XXXX   XXXX   XXXX  to me. I immediately called this number and left a message about my predicament. A person named  XXXX  called me back and apologized for the charge. She said she would work to reverse that charge off my credit card account. We talked back and forth for a few days commencing on  XXXX   XXXX ,  XXXX  but nothing has been resolved about the charge. On Wednesday  XXXX   XXXX ,  XXXX , I called the Ba nk of America to fin d out why they had reinstated the {$560.00} charge to my account. I was passed through three employees at the bank. The third employee became hostile when I explained that I had not made this charge to my credit card account. He stated that since I received a package that I must have ordered the product. He seemed immune to the prospect that my credit card number had been stolen and abused. I have been with the Ban k of America cre dit card since  XXXX . Within that period of time, the bank has issued me numerous, about  XXXX  different credit card numbers, when they felt that there might be an issue with my card number being stolen and used fraudulently. As it stands right now, Ban k of America  has stated that they will begin charging me interest on this {$560.00} fraudulent charge. I am between a rock and a hard spot with neither the bank nor the merchant willing to acknowledge this bogus charge on my credit card account. Please help 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 2016-04-27
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered a HAMP T2 modification XX/XX/XXXX. My trial payements due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$210.00} with interest rate of 3.375 - 30yr term. All payments were made up until XX/XX/2015. I was told that I had completed all of the trial payments, when the lender stated that I needed flood insurance. I paid {$380.00} for flood insurance and faxed the documents to my lender. They later stated that I did not comply with sending a notice to borrower disclosure which was faxed with my proof of insurance. I have now reapplied however, the new offer is not affordable. The proposed payment is XXXX. This is unaffordable for me. My income is only XXXX/month.

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 2015-10-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Account Service : NavientAccount Name : XXXX XXXXAccount Number : XXXXAfter making on time payments for more than 4 years, this firm refuses to remove cosigners name from my account. Every time after my request to remove cosigners name, they have come up with some other excuse not to remove cosigners name. I have provided all kinds of documents to them, such as, copies of my graduation, pay stubs, XXXX 's, recent tax returns, citizenship papers. All those documents have been ignored. 
My cosigner is XXXX years of age and have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: TX
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:
The year of XXXX I thought I could go back to school and maybe get a XXXX degree ... ah no that did n't work because I have been out of school way to long. Within the 2 months I received a Federal Loan. I was ecstatic I was going to buy or upgrade my computer and get better XXXX service. But after all said and done I did not make it and stop trying. I do n't recall how much money at the time I received but the time months went and years I owed more money than I have received. The loan went to XXXX XXXX then to XXXX and then Navient. I tried to pay them In XXXX by letting them take money out of my check direct deposit. I lost my job XXXX XXXX and it stopped. Have n't been able to pay them after that because I had to go on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Northern Trust Company, The
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Northern Trust Bank resigned as Trustee of my trust over a year ago in XX/XX/XXXX. Since then I have been looking for a successor trustee who meets all the qualifications stated in Trust. I have now found one, XXXX, who meets the standards in the trust to be the successor trustee. The trust document states on page 11, Article VII, that the trust can be moved by a majority of the grantor 's and grantor 's spouse living children, of which there are five. I have three of the five required signatures, which constitute the majority ( see attached trust document ). Yet on XX/XX/XXXX I received a letter from the trust administrator, XXXX XXXX, stating they will not honor the wording of the trust, but rather had made-up their own " standard '' which consisted of me getting all five signatures. THIS " standard '' IS NOT STATED ANYWHERE IN THE TRUST DOCUMENT. I have not had a trustee in over a year and they are blocking me from transferring my trust by not complying with the trust document and adding their own made-up standards. This is malicious conduct in bad faith. XXXX XXXX even admits it in his letter to me ( attached ). He admits I am right about what the trust states, but said they are choosing to apply their own made-up standard for transferring it rather than complying with the letter of the trust document.

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 2015-12-30
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a bank account closed on XXXX XXXX 2015 and I was not notified. As to this day I have no idea why the account was closed or what the issue was. Due to this action by US bank my car, credit cards and utility bills have all not been made and have effected my credit score. The account in questions XXXX The account had no actions on it for a week and had no negative balance. This account that was closed was a direct deposit account for my paycheck. This amount was not taken into US bank and at this point I have not received my wages. US bank has also charged me overly for late and over draft fees for over six years. I have continued to ask for explanation on this and have received none. US bank can not just closed a account without notices to the customer a give them ample chance to change information so wages and bills are not unfairly effected. I have a family and each of my paycheck is needed for housing and food.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My reduced rate plan with Navient is far beyond my ability to pay. Since I have a cosigner ( parent ), his income is part of their calculation as well. My parent is currently unemployed. I am current on my loan payments as of this date, but ca n't remain current for much longer. Loan type : Smart Option Student Loans, XXXX of them totaling over $ XXXX. 

They 've calculated that I 'm able to pay $ XXXX/mo, when my budget does not reflect that. Neither does my parent 's budget. I either need to find a way to change lenders, or get a much lower monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: U.S. BANCORP
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company did an audit by a third party and found that I was overcharged {$1000.00} and they refuse to give me an explanation of where they made this mistake. They used the funds against principal without offering my money back to me, which I was told by the auditer was done with other cases. My mortgage company has refused to explain and the people have been nasty to speak with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. My wife and I, both XXXX, foolishly signed papers pretending to sell our house in order to prevent foreclosure. 
2. We want to clear the title, loan still in my name, resume mortgage payments, now considerably reduced. 
3. Do not include sensitive information like your name, contact information, account number, or social security number in this field. So what " my information '' can I give you? 
4. 2008 $ XXXX mortgage5. Review?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-11-06
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient is my personal student loan lender. I am currently 6 payments behind total of late missed XXXX and total late balance of XXXX. I have made a call every month asking for flexibility and the representatives say the same thing " that my past due balance must be paid and my account current before they can offer any type of deferment. '' I don't have the money or I would pay it as I explain that every call. Navient calls my phone 6 or more times per day with different number as if to disguise who is calling it's biardering harassment. In the statement documents it even states " arrangements can be made to bring my account current with different repayment plans. '' When I ask about those plans the representatives say that same thing about me paying my past due first. Navient is not doing what is said in those letters and won't let me apply for any options until the past due is paid. I have had a troubled relationship with Navient with both my private loans and when my federal loans were serviced by them. I have had loans with them since XXXX yet my documents that are available for me to read only go back to XXXX. I just want to done with Navient as they are not honest and led me to deferment for years with my federal loans and now the interest has doubled my amount to {$100000.00} in total student loans debt. I feel hopeless in this situation as now they threaten with turning my account over to a lawyer for collection and to take legal actions. I don't have any options to work with them to resolve my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My student loans, serviced by Navient have become unmanageable due to circumstances out of my control and now they are impacting my quality of life and causing XXXX. To be able to graduate from the University XXXX in XXXX meant that student loans were going to be a part of my future. I had no idea that they would be this heavy a burden, or that they would grow so quickly with high interest rates. Navient 's total for my loans at this time is nearly {$32000.00}. 

Over the course of my loans since XXXX, I 've struggled to afford payments and several times have been forced into forbearance or into income-driven repayment plans even though I have worked jobs since being in college. Navient would n't allow me to stay in my income-driven repayment plan. They said the reason was changing policies that were out of my control. These new payment amounts are far beyond my means, even though I do have a job. The deadlines for certain forms had passed before I even knew they existed. 

I 've done my best in keeping these loans in good order and paying them off to the best of my ability. Navient has not helped in this and at times has made it harder to understand my options or answer my questions. Unresponsive when I contact them, however Navient sometimes contacts me several times per hour 24/7. I 've asked them to limit the calls which they do not. These calls can come from all across the states. 

Further, I 've done some research online which uncovers thousands of similar complaints and other shady activity that could have impacted me over the course of my loans so far. The kind of predatory lending techniques used on me and other students is appalling. 

My loans are now bigger than they have ever been and I 'm even more worried by the fact that As Education Secretary, XXXX XXXX would n't give a XXXX about protecting my rights as a borrower and holder of student loans. 

I 'm seeking relief in the form of compensation for any fraudulent or unnecessarily aggressive lending tactics practiced by Navient. I 'm seeking relief in the form of aid and affordable options for handling my loans in the future. I 'm seeking relief in the form of an explanation as to why I have been targeted by Navient, being that student loan borrowers are some of the most vulnerable individuals with the most potential to be wasted. I 'm seeking to unite with others who have been wrongfully treated in order to find assistance and a voice.

Company response to consumer: Closed with explanation