BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: OK
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 have paid nearly {$800.00} a month for XXXX Loans taken out during medical school. I graduated in XXXX. Since then I have decreased loan by only {$14000.00} according to Navient. And still owe nearly {$130000.00}. 

I am a XXXX XXXX vet. From XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
Towards the end of XXXX my husband had some unexpected health issues that caused him to miss work along with several unexpected medical related expenses. We got a couple of payments behind on our Bank of America credit card. I contacted them in XXXX to see what we could do to catch up the payments. I was told that after 4-6 on time payments the account would be reaged. I contacted them in XXXX XXXX and was told that I must wait until XXXX. When the account was still not reaged at the end of XXXX, I contacted them again and was told that I would need to make 2 more monthly payments and it would be reaged. And again today they are telling me to continue making on time payments until XXXX and they will review.

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 2015-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap

Company public response: Company 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: 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:
In XXXX filed for bankruptcy and the lawyer told me that my student loans would be forbearance do to a financial hardship. Never heard anything until XXXX with a wage garnishment that my employer received. The collecting agency charged XXXX of dollars and after 6 months of paying them it was switched to automatic payment with XXXX XXXX and then converted to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Dear Bank Of America I need your assistance. In XX/XX/2013 the loan was modified. I have been provided a tax document that is unclear to me. 

In XX/XX/2013 my BOA Rep stated the amount that was forgiven included all negative escrow except for the deferred amount. As well as I am starting at a zero negative escrow - what date do you have of zero escrow starting date? not including deferred amount XXXX my question is based on tax document How much of the money I paid went to property tax? if none why not? as my rep stated my payments would be applied as follow principle interest tax based on new payment structure I have requested clarity from prior new servicer XXXX and current servicer XXXX neither have an answer The payments on tax document appear to have went to interest only for the four payments made why? 

At what date was the amount of escrow at zero from modification? ( except the deferred amount ) My representative confirmed funds would not go only to interest and disappear - as this was part of my concern with modification process. 

As I set in study groups and heard this story from other home owners. 
my funds were improperly applied and none went to principle and or tax as state by BOA. 

My funds paid match exactly the breakdown of payments principle interest tax

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 2021-01-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX  data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.

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 2016-11-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I have a Wells Fargo Visa Credit Card that says " Rewards '' in the upper left corner. Rewards were not posting to my account, so I sent an inquiry thru contact email when signed into my account. They gave me a phone number to call. I was transferred multiple times to different departments. Tried again 2 other times. Was told to go to the branch today and work thru a banker. I did, and the banker could not get a resolve. She herself was transferred 7 times, and told multiple stories but could n't get it resolved. They are saying there are is no reward program associated with the account, even though the card clearly says " rewards '' on it. We were told I could apply for a card with rewards, but that my past purchases would not be credited with rewards, and that likely the interest rate would go up. I made multiple purchases, thousands of dollars using this card expecting to generate rewards. I feel this is clearly consumer deception, and ca n't seem to get any resolution from the bank. I have to believe that if I am having this issue, other consumers are as well. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: VA
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 applied for IBR twice in 2016 because I 'm no longer working. They requested proof of my husband 's income which I sent in. They rejected the information that although the income information letter included his weekly salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BofA in Colorado has long history of compromised service. On this occasion I was directed to go to a " virtual ATM '' to do a large transaction with a {$3200.00} check to bring overdraft current. I had acquaintance and his friend drive me there. ATM has had problems before so I checked to see if it was fully operational. They said it was. When doing transaction they informed that " second ID scanner '' was not working and told me to " cash check at issuing bank and deposit cash at BofA center nearby ''. I did as suggested. Acquitance XXXX grabbed the cash and dumped me in an alley on the way between banks. This is the latest in numerous compromised banking practices from BofA and frequent misinformation leading to risky transactions. This serious crime was inevitable and the entire community is at risk because of the poor advice and misinformation because of the limited banking practices in colorado with BofA. I am now afraid for my life, cant sleep, broke and traumatized.

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 2017-03-29
Company: Fairway Independent Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our mortgage is serviced by XXXX. Our mortgage originated in XX/XX/XXXX with Fairway Mortgage. This complaint is concerning Fairway. During the service transfer process, Fairway provided XXXX with an incorrect and outdated HUD Disclosure, causing our monthly loan payment to go up {$200.00}. Thankfully, I am a consumer protection attorney and spent the last year working specifically with mortgages, so I was able to ascertain that the issue was with Fairway and the incorrect HUD Disclosure. I was able to provide XXXX with our correct HUD Disclosure and, as of this moment, they say that they will handle it. Fairway, however, failed to provide XXXX with a complete file on our loan for the service transfer audit, as they are required to do in compliance with CFPB rules. I believe that I have taken care of the complaint and the CFPB does not need to take any action at this time, but I would like the CFPB to be aware of Fairway 's negligence in providing proper and complete documentation during a service transfer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I Have Apple Card issues by Goldman Sachs. First of all the interest rate is outrageous and secondly they do not disclose how the interest is calculated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Velocity Portfolio Group
State: NM
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a " packet '' delivered to my door by a gentleman. I asked him if I was being served and he said that the only information he had was that it was from Velocity Investments. The papers resembled a court summons complete with trial number and everything. I immediately went onto my metro court website and I could not find any complaints filed against me and when searching the case number I had no results. The debt they are collecting on is past the four year statute of limitations.

Company response to consumer: Closed
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:
Navient sends payment notification after payment is made, but they do not tell you if there was an error in processing, " payment reversal ''. This can go unnoticed for some time before it is noted on their website, and even then, the user 's account information shows " payment received ''. You have to look into " payment history '' to see " payment reversal ''. This allows them to collect on late fees when I should be notified, just like any other payment system, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
My merchant services WAS BANK OF AMERICA, and there was a donation charged ( via the website ) of {$9000.00} awarded to the company XXXX XXXX for our future on XXXX/XXXX/XXXX, and fees have been paid on this charge. However, the {$9000.00} never went into the company account. Due to a merchant service rep error, i did n't live in the state i was running the business and this was my first transaction with them ... security stepped in. I was told by XXXX XXXX XXXX that the funds will be returned. I requested a letter ( til date, i still have not received ) on this action. XXXX XXXX went on vacation and XXXX XXXX stepped in and also stated the information of the return will be mailed to me. ( still nothing ). on XX/XX/XXXX, customer was told to dispute the charges because our company did not have the funds. I have now been forwarded to XXXX ( XXXX. ) I have left over XXXX messages on each voicemail and there has been no return calls. I think BOA thought no one would miss the {$9000.00} because no one said anything about it for almost a month. I no longer have any business with boa to even get this money and they have not refunded the customer. There is no feedback to any calls or emails and the merchant that set the account up says he has nothing to do with it any longer. So I am filing a complaint at this point for fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Filed for renewal of income-based in XXXX XXXX ( it is now XXXX XXXX ). Every time I contact them they say they need additional information because the information I sent is out of date. I have contacted them XXXX2 times per month since, and they always tell me something new and place my loan in forbearance. This is accumulating interested on a problem they refuse to fix. Now they are telling me that I am in school full time so the problem is fixed. I am NOT in school!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Late fee

Complaint:
Bank of America website does n't allow customers to setup an automatic pay for a minimum payment : customers have to guess an amount. If the guess becomes wrong at some point, the account goes into a past due status and a late fee of {$37.00} is charged. Bank of America website does n't allow customers to setup an alert of past due amounts, so that they keep charging the {$37.00}, eventually report to credit bureaux, when customers finally realize the problem. Customers, like me, who has setup automatic pay, are notified that payments were made ( but not that they were insufficient ) have not reason to suspect that there is a problem. My guess is that millions of americans are falling into this trap, because other banks, such as XXXX, XXXX, XXXX, XXXX XXXX, to name just a few, have a website that enables customers to select " pay minimum payment, '' so if that if minimum payment goes up, the account does n't become past due and the very high late fees are not collected. Customers in the XXXX XXXX expect a minimum level of customer service provided online, and Bank of America is not providing that. 

Having an online presence that is misleading to customers ( i.e., automatic pay option, but not for minimum payment, and alerts available, but not for past due amounts or payments below the minimum amount ), could have been designed by Bank of America to increase their revenue stream. I would like an investigation of the amounts collected by Bank of America from all customers that experienced the same problem described here.

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 2017-03-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was assisted by my school XXXX that is now closed and turned out to be a scam school to get a loan through XXXX. Once I had graduated from the course which I was told credits would transfer and I would be able to use them, for a real college which was a HUGE lie it was time to pay back the loan. Due to hardships such as a lost job, car trouble or just other surviving expenses I routinely would return the call of XXXX\navent after them calling 50-100 times a day asking them how they could help me pay back this loan that I had taken out in XXXX that was for about XXXX. Each time I spoke with them they suggested putting my loan into deferment \ forbearance to caltch up with my late payments, I had several family members call also to help me get ahead of this now daughting XXXX dollar loan that I am trying to STill figure out which would be the easiest cheapest way to pay off this loan. Ive called XXXX\navient several time in the many years of dealing with this loan and was always told I did not qualify for my payments to be lowered as well as told I was not making payments on loans when I was in fact sending in payments that where only going to XXXX of the XXXX parts of the loan which caused me to fall even further behind on this loan. Yes it was my fault for letting the issue go but when you have to pay rent have a car payment and have to put gas in your car to get to work so you have money to put food on the table for yourself and kid I think its crazy to tell someone that they do n't qualify for lower payments for the past 11 years and only up until I called them in the last month and stated I had a child which I had in the past did they give me the option of lower payments which a longer time frame of having to pay off the loan .. How do these companies expect people to ever get a head, I filled for bankruptcy last XXXX just to try and start over but I feel like this loan is just the one thing holding me back from getting my finances together. I would really like to know why it took so long to offer me any sort of lower payment solution when there was in fact after doing research a law passed in XXXX stating that student loan companies had to make it easier to pay these loans back, also still instead of trying to help me pay this loan they offer putting it back in deferment like its the best deal in the world when in reality its just making me owe them more money ... Please help me take this burden off my shoulders that I have had since XXXX and tell me what 's the best pay to way off this loan without having to go broke in the mean time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WA
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 have XXXX federal loans that Navient sold off to the XXXX out right over 1.5 years ago and they still report to creditors monthly that I have defaulted on these loans. I attempted to get this resolved several times with Navient but they just say that I need to pay more on my other private loans if I do not wanting them to report the information. I explain to the person on the phone that each loan is reported sperately and the reason I do not pay them for these loan is that they are no longer serviced by Navient but they inevitably transferring me around to a supervisor which says they are it is an automated system and I will need to fax them the information or they can not do anything about it. when I send the fax I receive a conformation page but they say it went to a different branch or the fax went to another floor, so they do n't have access to the information. Once the manager said they would call me back once they file was uploaded to my account but they never called back. So I assume it still has yet to be added to my account. I believe this inappropriate and in correct reporting by Navient is being done intentionally and has caused significant false financial and credit damage to me and my Father ( co-signer ). This past year I missed a lot of scholarship deadlines because they are falsely reporting that I am delinquent. Costing me thousands in possible financial Aid, grants and scholarships. In addition to the fact that they have illegally monthly report that I am not paying on these federal loans and that I am in Default, which has brought my credit report significantly down for the part year and a half. I have spoken numerous times With XXXX and they say there is nothing they can do about it except report accurately that I have a payment plan in place and I am activly paying on the loans. I have reached out to my school as well as XXXX of the XXXX credit reporting agency 's they can not do much either except tell me that it is illegal and advise me to keep working on it. I feel very frustrated with Navient and they 're illegal practices that no one seems to be holding them accountable for. It is targeting me at best and at worst having a incorrect reporting system in place, that they have known about, and destroying countless others financial future for personal gain at worst. Please help advise me about what else I can do. ( I do have documentation to support my claim )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Subject : Verification of Employer for Public Service Loan Forgiveness ref Acct # XXXX XXXX XXXX I have continuously called and spoke with their loan thats been administered by Fed Loan Serving. At this point, I have been faithfully serving the state of Texas for nearly 20 years and taking care of my student loans and Public Service Loan Forgiveness ( PSLF ) applications. I have submitted several student loan forgiveness applications only to be told that its under review and its been under review for more than six months. Also, when analyzing my profile there are some payments as well as some of my state service that is not listed correctly. I submitted a request to get the account analyzed again and was told that someone would call me back. However, no one is phoning me back I have called into the customer service department a tremendous number of times! I have emailed and I have escalated the email correspondence and I am getting the runaround. I having the student loans on my credit is hindering my ability to apply for loans and I feel like I have satisfy the terms and conditions just as many others have mentioned and I am not being treated fairly and just by FedLoan Servicing they are basically ignoring my request.

Company response to consumer: Closed with non-monetary relief