BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
1. Before Navient took over the loan in XXXX, a {$15000.00} payment was made on the loan, which brought it down to about the same amount. ( Original total was {$30000.00} ; the loans were paid {$15000.00} and consolidated. See attached screenshot from Navient site ) After that I made payments, over many years. Throughout that time I attempted to lower my payments so that I could make them, but was consistently talked into a forbearance, which has only increased the amount of a loan significantly. 
2. In XXXX, I made a payment of {$8000.00} to my loan total which was about {$15000.00}. Today when I look at the total on the Navient site, it has gone back up to {$17000.00}. I was never informed that interest was going to accrue over the subsequent 3 three years or that the payment wasn't going to cut the balance in half. 
3. See attached screenshot. Just in the past month my balance has increased by {$100.00}. For what reason? 
4. I am a XX/XX/XXXX, I've never brought home more than XXXX a year. I XX/XX/XXXX in a private school, so I am not eligible for any kind of loan forgiveness. However, approximately XXXX of the original XXXX has been paid since the loans were dispersed in XXXX and in XXXX, but now I am being taken advantage of by a for-profit institution that incentivizes students going into forbearances. At this rate, they will never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This happened in XXXX XXXX. I moved out from the apartment early. The lease term suppose to end at XX/XX/XXXX. But XXXX XXXX Manager XXXX XXXX and I made agreement, we both agreed that no fee will be charged. So I moved out on XXXX XXXX. I never received any letter or notice until XX/XX/XXXX, the Quantum collection agent reached out to me, saying I have outstanding balance in 2 separate accounts, one owes {$940.00} in total, another one owes {$790.00}, total of {$1700.00}, however there is {$810.00} in total of cleaning fee and other fees that XXXX XXXX did not have invoice or any evidence of their spending can prove that I own that. And the rest portion of {$920.00} is move in allowance charge back. However I believe that I should not owe {$920.00} of charge back as well because we made orally agreement that they will not charge me for moving out which now I do not have prove of. Now, not only I cant take my security deposit {$1000.00} back, but they also try to charge me even more with those none sense charge. So I offered that I am okay to settle a payment with them, if I really owe those amount, I will pay. And when I talk to the collection agent lady about the Apt does not have invoice, so I should not be charged for cleaning fee plus other fee, and then the collection lady ask me to find prove that I did not owe that ... I dont even know if this is even legal, can they really charge somebody when they don't have any prove or invoice of?? I think this is not legal and ridiculous, and does not make any sense. I hope someone could help me out. They have not reported this to credit bureau yet, because nothing was showed on my report. And they did offer if I pay in full now, they will not report.

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 2016-03-04
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a offer from a debt collection company in XXXX with a offer at a reduced price to settle the debt for XXXX. We accepted the offer and settled debt in full. I have receipt of this debt. The difference between the original amount due and the offer is around {$150.00} and now another debt collector is calling me in XXXX for the difference. I have called XXXX and they refuse to help me or speak to me but forward me to the new debt collection company. I refuse to speak with this new company as I feel its a violation sharing my information and reporting on my credit therefor I wont offer my information to them, which would be volunteering my information. their # ( XXXX ) XXXX but XXXX has shared my information with this debt collector after the debt was settled in XXXX. I 'm filing a separate complaint about the debt collection company this is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called to XXXX  XXXX made a payment in full prior to the XXXX statement closing and my balance has not been update nor reflecting a XXXX  balance even after payment has been made and cleared the bank.

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 2017-01-19
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 decrease my monthly payments

Complaint:
I attended XXXX XXXX XXXX XXXX CA during XX/XX/XXXX -XX/XX/XXXX. I remember signing for loans and creditors constantly change their name. High interest accrued daily and failed to provide students with repayment options. I was pulled out of class constantly to sign for loans and was told you have to sign right now or else we are going to drop you out of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was approved for a then XXXX student loan. They have since change their name to Navient, but the same problems still exist. I have XXXX private student loans through them and each and every month the amount of the loan continues to rise. They told me first that it was because I had a variable interest rate that was not supposed to go over a certain amount. Now they are telling me that there is no cap on the amount of interest for the variable rate. Navient charges outrageous and ridiculous fees. I have other private loans with institutions such as XXXX Bank and have not ever once had the problems with them that I have with Navient. I attended the University of XXXX at XXXX and XXXX when I took out the " XXXX '' Navient student loan.This company was sued before in a huge class action lawsuit for their fraud and fees, and now they have changed their name so that they can continue doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card
Issue: Other

Complaint:
XXXX unrecognized charges classified as Bank Fees appeared on credit card activity statement. XXXX appears to be from a dispute on my credit card account earlier in XXXX and the other charge is not recognized. XXXX charges appeared XXXX/XXXX/2015 and are listed as XXXX XXXX and XXXX XXXX XXXX XXXX. No information was conveyed regarding these charges ( written or electronic ), why they are present or what is the rationale behind them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient has added and removed my student loan from my credit report. It reports negative XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This caused my scored to drop almost XXXX points. Now it shows improved account went from derogatory to current XXXX. There has been no change in status if this account. It was in forbearance due to me having XXXX. The agency does not consistently report the account. The information is incorrect and they are not fairly reporting it. As my score increases or when an inquiry comes in they seem to report it as derogatory but then make an adjustment showing its current without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to " reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at BoA and have not been able to resolve this.

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: OH
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 've tried for many years explaining to them how I could not afford my loans after college and they kept changing programs on me. I went from owing XXXX to now owing XXXX and my payments have tripled and I really ca n't afford them now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  - incorrect info - was paid due to insurance theft for truck backed by secured loan - was paid in full never in collections remove from credit

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 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Hello, I purchased a property with a mortgage from BofA at XXXX, Fl XXXX. 
BofA ordered an appraisal with XXXX ( a part of BOFA at the time. They chose XXXX XXXX a fly by night who did not do a valid appraisal. I Asked BofA to do a new appraisal as his appraisal had many errors and I was concerned. XXXX XXXX my loan officer said " it does not matter. All that matters is you get the house ''. I have repeated asked for a new appraisal or an appraisal review but they refuse as XXXX BofA person said '' we dont want to do it because it will come in so low '' .Now I am stuck with a butchered house remodeled without licensed persons or permits and have over {$71000.00} of code violations and must do repairs. I am angry that BOFA accepted the appraisal report after I complained. Apparently they think my opinion does not count.They have refused to do anything to take responsibility for what they did. I had an appraisor come inspect my home and he said XXXX XXXX did not do what is required by Floridas Statutes Scope of Work. I also talked with more than a XXXX appraisers in the area who said the appraiser should have checked public records to see if permits were pulled on such an extensive renovation. XXXX did not. I can not live in the home ( firetrap ). There is no electricity in half the house as is, wires are spliced and i have been unable to even turn on the elec water heater. " electricians told me not to. I have been told by lawyers that I can not rent or sell because I would be held responsible. Also about XXXX months after the closing BOFA sold my mortgage to XXXX XXXX. I contacted them and explained the problem and was very hopeful as they told me they could send the loan to BOFA or order them to pay me for the repairs. Then they changed their minds and. I think both banks want me to default so they get my deposit {$25000.00}, closing costs and all the payments I have made for almost XXXX years. 
SOUNDS FAMILAR! 

can you please help? 
sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CO
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 believe navient had wrongfully charged me by putting my loans in forbearance in the past and has now charged me for the intrest and added it to the total of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Navient Solutions, LLC.
State: AL
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:
Navient claims to have disbursed more money to my University, than my University actually received. Additionally, Navient credited my account for payments that I made, and then reversed the payment. I have contacted Navient customer service, but their representatives tell me that they can not figure out what is going on. I was told that they would send the information to their superiors, and someone would contact me but no one has contacted me to resolve the matter. Every time I call to check on the status of my complaint, I go through the same process of explaining my problem, then I 'm told someone will contact me ... no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Amsher Collection Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is trying to collect a debt that has already been removed from my report. Amsher Collections tried to collect the debt last summer, and reported it to XXXX I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by XXXX XXXX as they are trying to collect it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company told me my account was being closed with no explanation. Every time I called customer service to ask why and how to receive my money back, they hung up. I have {$15000.00} in my accounts with them that has been illegally taken from me and I have no idea when or how to get it. This company is fraudulent!

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 2021-01-10
Company: Meridian Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Meridian Financial Services. Notice received the week of XXXX XXXX, Responded back to the company by letter which was mailed priority mail, Company failed to respond back within the allotted time frame, Per the Fair Credit Reporting Act. At this time I am requesting the appropriate action take place. The letter was received by Meridian per my USPS tracking number on XX/XX/2020. This company has been reported as a Scam and many people have also lost money. Company has changed there name more than once. I would like this reported and amount removed from Collections from XXXX XXXX. If you need to reach me regarding additional documents. Feel free to contact my wife XXXX XXXX via email : XXXX or by phone at XXXX. 

The name of the Company in collections for is XX/XX/XXXX XXXXXX/XX/XXXXXXXX Also know as XX/XX/XXXX. 

Thanks in advance.

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 2016-01-22
Company: ARC Management Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Based on review of my XXXX Credit Report noted there was an outstanding item of {$57.00}. XXXX Customer Service advised the debt was medical expense and being reported by ARC Management Company. 
Requested to dispute the {$57.00} since no information was provided to verify the debit. 
The {$57.00} is not reported on the other credit reporting bureaus

Company response to consumer: Closed
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$640.00} -This is not my account.

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 2016-05-25
Company: ARC Management Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm not sure what this on is about, it may be from XXXX, they were over charging my account and I was supposed to have it taken off, that 's also the reason I left the cell phone company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CBNA is reporting a debt on my credit file that is not mine! I recently checked my credit to start working on buying a home and noticed that CBNA was reporting a charge off. I have never opened an account with CBNA!! This account is fraudulent and needs to be removed from my credit. This is severely affecting me and it's not my debt! I suggest they find who this debt belongs and remove this account from my credit entirely.

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 2016-07-01
Company: Receivable Solutions Specialist, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The credit agency, Receivable Solutions Specialists, Inc has not only tried to collect a debt I do not owe they have filed a report against me with the XXXX major credit bureaus. This has negatively impacted my credit. The debt belongs to my adult son. He is on my insurance but I am not responsible for his medical bills per the XXXX. I notified the agency of this but they are still sending bills in my name. I have never signed anything that I would assume responsibility for the debt.

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 2021-01-11
Company: ERC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Dear sirs, Hello again, my case number was XXXX. The first case I had reported to you was about this collection agency who calls themselves " XXXX '' and that they were continuing to harass me about a debt I had owe. I am now being contacted by another collection agency who calls themselves XXXX XXXX XXXX. Whereas XXXX was using an " XXXX '' area code number to call me this new agency is using a " XXXX '' area code number to call me. This new collection agency called me on XXXX/XXXX/15. They have n't started harassing me as of yet, but I 'm very cautious of them, because they seemed to be operating in the same manner as XXXX did. They caught me totally off guard. I just want to report them to you because they are also starting to harass me about the same debt that I owe. And also, so that you can have an up date on what 's going on. They are call XXXX XXXX XXXX and their number is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation