BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
AES is a fraud, XXXX XXXX claims that I am lying but she has never contacted me by phone only send these generic letters. I am well aware of the status of my loans therefore I did not need AES to put that information on my letters. AES reps on the last 5 calls I recorded, they never notified me that my calls will be recorded which they are suppose to do but I have recorded proof of this. AES claims I ca n't record their calls but they ca n't record me without my permission. What AES is doing is illegal and I have had several AES supervisors with bad attitudes. I have advised several of them that I will not tolerate their ignorance and then I was hung up on. I have proof of everything I am saying because I have recorded numerous calls which is proof of their business practices. AES has not proven that NCT still owns this debt, I only received a promissory note with XXXX XXXX XXXX and nothing with the ownership of NCT which is required in the state of Illinois to collect on this debt and this information was confirmed by a consumer rights attorney, Without any proof that NCT still owns this debt of today, then no one can collect on this debt per my state. Since NCT ca n't prove they still own this debt then the entire balance has to be forgiven or a reasonable pay plan has to be set up. AES and NCT are in this fraud together. I will keep complaining until my credit is restored and these loans are taken off my credit report except for loan XXXX which is cosigned. Per the state of Illinois, NCT must have up to date proof they still own this debt, THAT IS THE LAW. AES has never given me proof that NCT still owns this debt which is requirement under the FDCPA and FCRA which NCT must follow since they are 3rd party student loan debt buyer. I do not see anywhere that shows NCT owns this debt as of today 's date and if they are unable to produce this proof, all negative marks will need to be removed by federal law plus all loans except # XXXX will need to be forgiven. I have the legal right to a validation of debt that shows when NCT bought this debt. AES never provided me with that information which I have been asking for awhile but was told to look at my promissory note which only has XXXX XXXX XXXX on it and no one else. AES should clearly understand what the laws are and what kind of debt they are collecting on. All negative marks need to be removed because I do not have any up to date that NCT currently owns this debt as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: SUNTRUST BANKS, INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I already submitted a complains 6 months ago, but the company, SunTrust, refused to acknowledge my dispute, so it 's just sitting there. They sold my auto loan without advanced notice to a sub prime lender with a horrible customer service track record. I was made aware of the sale, AFTER, it had occurred and my online access to the account with SunTrust cut off. Since then, EVERY MOMTH, without fail, I get an e-mail reminder of my previously setup automatic bank draft not going through. I have called and e-mailed to stop these, which could have been resolved in the first place if they had allowed me access to the account to un-enroll in automatic payments ( but again, they cut me off in the first place ). 7 months after having the loan no longer serviced by SunTrust, I consider these e-mails to be harassment and DEMAND THAT THEY STOP IMMEDIATELY. This ongoing issue is why I submitted a complain in the first place asking SunTrust and the CFPB to review their policy on selling loans without advanced notice. Their only response was a letter that sounded like I was a child and rather condescending, wholly unaware that loans are sold. I know loans are sold, but I 've never had it done without advanced notice and with my access to the loan cutoff.

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 2017-04-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I ge t 3-4 letters a month saying I applied for an amazon.com/Chase card. This is over 10 le tters now, and continuing each week.     Somebody is applying for cards in my name repeatedly, and I have called Chase twice, but they are doing nothing to stop it.     I have filed an identity theft police report, I have reported to the credit agencies, and yet Chase continues to process fraudulent applications in my name.     STOP! STOP processing account applications in my name. I am afraid that  Chase  will issue a card fraudulently to a criminal using it in my name or that I will have many hits on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello, I have a Private Student Loan through Navient. I am paying XXXX dollars a month at a high interest rate. I have tried repeatedly to lower my monthly payment and they have been no help at all. They advertise monthly income rates, and have not allowed me to apply. I feel that the information they have given my family has been vague and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
XXXX XXXX processed a loan for me and my parent. In order to approve the loan they elected to process the request with me as only the student but not as a co-borrower or student borrower. This loan request was illegally processed and they have ignored and/or denied repeated requests to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Navient Solutions, LLC.
State: PA
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 XXXX debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was overdrawn by {$150.00} in one Bank of America account and due to fees, am now overdrawn by {$800.00}. Without the fees I would be able to pay off my debt without issue, however I do not have the means to pay the exorbitant fees that have been tacked on to this balance. I would like to be able to work out a way to equitably resolve this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy 's fraud department notified me on XXXX XXXX regarding potential fraud on the american express portion of my Macy 's card. This was removed from my account in a timely manner. On the Macy 's portion of the card, they did not review for fraud but I found the fraudulent charges on the same day. Since my initial paper work for this fraud, I have had to call monthly to get this cleared from my account. As of today, it has not been removed.

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 2018-05-27
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX there were {$860.00} worth of charges on my credit card that took me over my limit that didnt have my prior authorization. XXXX XXXX suspended my credit line. I filed a dispute they found out the company didnt have my authorization to charge the amount to my card they credit the amount back to my account and decreased the over the over the amount limit which caused XXXX XXXX to decrease my score on XX/XX/XXXX 126 pts because of the way they worded it on my credit reports. This has been a nighmare to me this is my livelihood I have never been late with this card company and they do me like this. Today i get an alert from my fico that once i paid my balance down to XXXX  they updated my credit report to say loan paid instead of open account as current and paid as agreed. They know its how they word our reports as to how they score us. The status said outstanding loan and loan paid and its never been a loan it was a credit card. They told me last week once i bought my account current they would send me my new card update my account and this is what they do to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I realize i owe this debt. I am on social security XXXX. I am trying to pay these cards asap. Not usually on time. I recently got in a car accident that put me behind. Anyway synchrony bank  calls on average 8 times a day hang up and call right back, leave several computer voiced messages on voicemail usually 5 to 7 a day. They call from about XXXX till sometimes after XXXX. At the same time texting me and sending emails. I get paid once a month if they call i answer some times but when i do answer i get told i have to make a post dated payment to them. I dont answer a lot of times due to tge fact i cant understand them when they talk cause they are from other countries. They are just really stressing me to no end and cant take i cant at the moment for an answer. For example, Today they called the first time at XXXX XXXX then hang up and called again at XXXX XXXX. Its just a daily annoyance and I dont know if or what i can do to stop calling me so much. 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 non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient cheated me out of my rights to lower payments by deceiving me and not giving me the best interest rates and payment plans. Navient has not given me a fair chance to pay back my student loans. At every stage of repayment, Navient chose to shortcut and deceive me to save on operating costs. Navient failed to correctly apply payments to my accounts ; steered me into paying more than I had to ; and hurt my credit by misreporting to the credit-reporting agencies the status of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was working a full time job and decided to start taking classes with money out of my own pockets. I called Navient to see if I could be placed on in school deferment, and was told I could. There was always an issue and I would get calls every once and awhile, but after I explained they would look into my account and would say I should n't have been called and its taken care of. A week before I finished my classes my department at work was outsourced and we were laid off after 6 years. I then called Navient to see were I could go from there and was informed that my particular loan could n't be put on complete deferment and I was suppose to make interest payments. The $ XXXX interest payment seems unduly harsh but I may have been able to struggle it although even while fully employed I still lived check to check scraping bills by, but to be told that I owe 4-5 months in back pay is impossible. This seems unexceptable due to the amount of conversations we had, and their lack of record keeping or knowledge of their systems, for them to not know about the loan they are instructing me on seems ridiculous. I attempted to file a complaint and they said they could do nothing and it was on me, and not their employees who were instructing me. I tried to keep filing more complaints, and was told a manager would call me to address my concerns, none did. I got the calls from the employees who knew nothing of my account just telling me I was past due by 4-5 months. They informed me they would not release to me the recorded calls of our conversation unless I legally got a supoena. This has tanked my credit and has effected me financially, as well as XXXX. When I was employed it was almost impossible to make all my loan payments because and they could n't do anything to lower it, now that my income is unemployment I ca n't pay them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Issue: Delinquent account

Complaint:
The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

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 2016-07-25
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was contacted by Central Financial Control about a medical bill, I explained I needed proof of the charges, I was told if I did n't pay the bill in full it would be reported to my credit. I paid it in full but they still put it on all XXXX credit companies. I have explained to them that I never visited XXXX XXXX XXXX but they insisted I pay {$300.00} or risk hurting my credit. I have disputed this claim with them and they refuse to correct my credit. I was told it was a crime to have services preformed and that I was refusing to pay my debt. they made me feel like a dead beat, I paid the {$300.00} to avoid issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: 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:
Like the other complainants in the current suit against Navient and its subbsidiaries, I was not informed about the available options for payment, and this negatively affected my loan status. In my case, it resulted in the loss of 58 payments on my loan balance towards the 120 I need for public service loan forgiveness, adding more than 4.5 years until when my student loan debt will be forgiven as part of the Public Service Loan Forgiveness program for XXXX and costing me XXXX of dollars. 

In XXXX XXXX, I found out about the Public Service Loan Forgiveness program from friends who are XXXX. I called Navient ( then my servicer ) to inquire about my eligibility. I told them that I had been a XXXX since XXXX XXXX. They told me I was ineligible, that the program did not apply to XXXX ( This was, of course, untrue. The program has always applied to XXXX. ) I continued to pay the regular amount of my loan as assigned. 

Beginning in XXXX XXXX, I entered into several periods of forbearance with my loans due to my husband 's unemployment. When I called to arrange for these, I was not offered the option of income-based repayment. 

In XXXX XXXX, I inquired with XXXX, my current servicer, so I could find a list of the payments I had made and the reasons why only nine of my payments made since XXXX counted toward my loans XXXX, and seven of my payments made since then count for loans XXXX. 



Furthermore, just like the other members in the class action suit being brought by the attorneys general, I was never offered an income-based repayment plan in my periods of forbearance. If I had been offered an income-based repayment plan that would have offered LOWER payments than I was then making, I would have been able to continue making those lower payments. Of course, if I had n't been lied to about my eligibility for Public Service Loan Forgiveness, I would have made different decisions throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX Citibank closed my account, which as a result caused severe damage. I had credit card payments returned and XXXX XXXX closed my credit card due to it. 


However I was promised my funds will be released 30 days after the date it was closed which, and it's now almost 60 days. 

I called in, first rep told me it's not closed, 2nd rep told me it's only pending closure, 3rd rep told me, I need to speak to fraud department, 4th rep told me the check was already mailed to me. and on and on and on and on!!! 

Every rep just made up a story out of nowhere, meantime I received a new statement in the mail as I will attach and you'll see the statements is from the date after my account was closed and they charged me a $ XXXX monthly fee. 

I consider that to be fraud!!! and even worse there's no one to talk to!! 



My account number with Citibank is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I reside in Washington, DC and earlier this year I was approved to purchase a condominium through a DC government program for less than half of the market value. I make {$46000.00} a year, I have a good credit portfolio and an average credit score of XXXX. I was pre-approved by Bank of America Home Loans to purchase the property using A first time homebuyer second trust government backed loan. The DC government has allowed me to purchase the property based on my income. The monthly payments XXXX mortgage, condo fees and taxes XXXX fall within the proper debt to income ratio. However, according to Bank of America the underwriter has not approved the loan because they are projecting the monthly tax payments On the appraised value of the property. The property I am trying to purchase is an affordable housing unit and and DC law states that based on my income I am eligible for tax abatement.

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 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had an XXXX loan on our house. The 20 % loan, XXXX mortgage, was with BOA, Bank Of America. It was for a term of 10 years, but I wanted to accelerate the payments since it was such a small monthly payment. Every month I would pay XXXX to XXXX times the monthly payment expecting that they would apply the excess to principal. No, they DID NOT apply the excess to principal, they applied it to the coming payments. IE if I had made triple payments in XXXX, I would n't have had another due until XXXX. I called them, told them this was incorrect and their response was, " fine, we 'll fix this. Please write FOR PRINCIPAL ONLY '' on all payments in excess of your original amount. Fine, lesson learned. The next month I wrote XXXX checks, XXXX for the amount of the XXXX mortgage and XXXX clearly marked PRINCIPAL ONLY for XXXX times the mortgage amount. The same thing happened, they applied it to the coming months payments. I again contacted them and was told that it would be taken care of. Well, this time they took three months of payments out and applied this to principal, thus putting me late for the current month 's payment. At the end of XXXX years I had a ream of notes and NO patience left with BOA. they had " misapplied '' every XXXX OVERPAYMENT on my part to their benefit. If they did this with my payments I know they were doing the same thing with everyone else 's thus resulting in some heavy interest on their side. After two or three years of constantly fighting with them about this issue, and NEVER being able to reach the same person to fix it, I told my husband that we had to pay it off in full or I was going to have a breakdown. We did pay it and I was so happy ... until we refinanced and our primary loan was sold to BOA. It seems that the " misapplication '' of funds has stopped ( I still pay more than the original loan so that the principal can be paid in an accelerated fashion ) but I check every month because I ca n't trust them to do the right thing. I hate BOA from the depths of my soul and if I had my way there would be many bankers in jail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation