BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
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:
My private loan is currently through Navient. I read on the article regarding Navient cheating borrowers in interest and misleading consumers in their loan products. During my financial struggles, Navient advised they will place my loan on forbearance not providing me with full details and verbally consenting to the agreement. I was told they can lower my payments to help. The program they put me in was an interest only 2 year plan. For the duration of the 2 years, I made my minimum payments and had a few months to apply more to principal. when I would check my outstanding balance, I started with a {$28000.00} student loan and after the 2 year period, my principal balance increased to {$33000.00}. I contacted Navient to complain and advise why nothing has been applied to principal. They advised I am on the interest only plan. I paid this interest only plan for almost 3 years before I noticed the balance was not decreasing. I advised I want to pay off the loan as soon as possible and to remove me from the interest only plan. my payments jumped up to over {$560.00} and noticed only {$100.00} is being applied to principal. I called to complain and requested an amortization schedule but they advised there is nothing they can do. They recommended another forbearance or to extend my terms to lower my payments. 

Soon after, my school ( XXXX ) filed bankruptcy and closed their doors in 2016. I called to request a discharge, forgiveness or a principal reduction as the school credentials are no longer valid and it was almost impossible to get a good paying job. XXXX XXXX XXXX was sued due to this reason. An individual who had no degree would be able to get the same job as me and start at a higher rate. I do not believe I should be liable to pay the remainder of the loan and tried to request a discharge but they said there are no programs for this and kept recommending forbearance or an extended term. I graduated XXXX with an principal starting balance of {$28000.00}. 8-years later, my unpaid principal balance is {$27000.00}. 

Navient cheated me with interest charges and did not apply the proper amount to principal and mislead me with no available programs to help pay down my debt. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We closed on a new house in XXXX XXXX in XXXX, and right afterwards I wanted to refinance a house we still own in XXXX. I wanted to use Bank of America since we just used them for the new loan in XXXX. 

I was quoted a 15YR option at 3.375 % with XXXX Point, we locked in on XXXX/XXXX/2015, and yesterday XXXX/XXXX/2015 I was reached out to my loan officer saying she made a mistake and selected Single Family Home vs Multi-Unit Home when providing me the rate. Its a XXXX Home that is non-owner occupied since we do n't live in it anymore, and they knew this as it was all originally disclosed when we did the new loan for the purchase of the XXXX XXXX house in XXXX Now that we are two weeks out from closing they want to adjust the rate to XXXX with XXXX point or 3.5 % with XXXX points. 

Attached is the Loan Estimate for the refinancing, which mentions Non-Owner Occupied but nothing about SFH or Multi. Also attached was the GFE or original estimate when we were talking about 30 YR vs 15YR. 

I feel frustrated as now were two weeks out from closing on refinancing and they are asking me to just accept this when its not an error we made but Bank of America and I should have to pay for as it was an error they made and concealed from me. Looking over the 15 year loan this change will be over XXXX out of my pocket due to this rate change, now rates are at their 4 month high and I have no chance in finding a comparable rate that was locked in to me, not to mention the month and a half I have put into this and paid for appraisal already. 

Thanks for your help!

Company public response: Company 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: PA
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:
Today I read about the lawsuit filed against XXXX/Navient. I am a borrower with several student loans with these companies, dating as far back as 2007. I have been the target of deceptive repayment practices, misalocation of bulk, one-time payments despite explicit instructions, and willful, frequent changes to my repayment structures without my knowledge. Please contact me with instructions on how I should proceed. And thank you for what you are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: FL
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 have student loans with navient and they are reportinh 2 late payments on my credit report .this is holding me back from getting credit cards approved and the possiblity to purchase a home. I did not know i was i. Repayment period and was not offered a way to post pone payments i found out through my own research online and called back and requested the forbearance because repayment will cause me financial hardship. Not sure if my loan is private or federal, i really didnt know what i was getting my self into, when i originally signed up for college i was u der the impression it was finiancial aid because i did not make much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent account to collections.I contacted collection co. & I reached settlement agreement & paid it as per instructions. 
I received Account settled in full letter ... month later same collection co. sends me letter for same debt. I call & XXXX has sent the debt to them again..they state debt verified by XXXX ... I call XXXX and they will update system. i proceed to dispute & send docs to collection co. Now a new collection co is contacting about the same debt ... and said that XXXX just verified the debt ... again just called XXXX and they transfer me from dept to dept .... and I now have to dispute the debt again with this new collection co. the constant report of this is annoying and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Unified Global Group
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was contacted by XXXX XXXX on XXXX/XXXX/2015 inreguards to payday loan. man told me I had XXXX options to pay debt back. due to me unable to pay settlement on that date. I set up arrangement for XXXX payments of {$270.00}. I contact company today XXXX to see if I could be offered a settlement. after speaking with XXXX ( direct supervisor ) I was belittled and he then slammed phone on me. I called back and spoke with a XXXX XXXX who infmd me I am unable to do the settlement of {$320.00} that was offered to me before. I called again to get company information and was hung up on. I contacted again to get payments removed and man refused and hung up on me. 


I have already filed complaint on XXXX, and will be contacting a consumer rights attorney for FDCPA violations as well

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
IN my previous complaint # XXXX, Paypal responded that I can close my account. However, when I log in, my account maintain the restrictions so it is not possible to arrive to the menu Paypal mentioned in their previous response. Therefore, in order to close my Paypal account and then open a new one under a different email address in order to be able to use my XXXX bank account, I am kindly asking Paypal via this new complaint to close my account as the restrictions imposed by Paypal do NOT allow me to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Bonus miles not applied to my account. The bonus miles are claimed to be available only if you use the card for a minimum amount of purchases in a three month period after account opening. While this is clear on the airline 's website, the terms and conditions as advertised, are not clear on the bank 's site. Using the internet archive, the website, as I saw it at the time of account opening is not available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A former bookkeeper we fired opened credit accounts in our name. Bank of America is one of those accounts. We have sent police reports and FTC ID Theft notarized affidavits to Bank of America. BofA is not taking the action required under the FCRA to delete this fraudulent account from our XXXX credit file. Deleted from XXXX and XXXX, but not with 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 explanation
Consumer complaint received 2017-01-17
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello! I co signed my cousin for a car. He bought a car and was supposed to make the payments. I never got a copy from the dealership or anything. Last year I wanted to get a new car, and that 's when the dealership ran my credit and told me that I was a co signer and that my cousin failed to make the payments and that the car was reposed by Quality Acceptance LLC.I never got I phone call or a letter from this financial institution who had the loan. They never gave me the opportunity to negotiate with them the last thing I wanted was to ruin my credit. I do n't understand my rights as a co signer. Now I 'm stuck with a bad credit, I ca n't get a new car since my cousin owes {$2400.00} and he claimed bankruptcy, the company is Quality Acceptance LLC. Please help me, and guide me since I feel I was n't treated fairly by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 monetary relief
Consumer complaint received 2016-01-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
citi cards address ; XXXX XXXX XXXX, sd XXXX www.citicards.com citi cards has commited a fraudulents act against me. 
my name is XXXX XXXX ; citicards from customer service to sercurity department ; all of them ; they need to go to jail. 
they tried to make me impatient so they can pull me all my personal information, identity, and they commit fraudulent act on me. they have the recording of all the proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the term of my Mortgage loan with Bank of America. I have paid from time to time " Principle '' payments along with my regular monthly payment in each case Bank of America has misapplied these funds. Upon discovery I wrote them with their online interface to advise BOA of the same. Their response was that they would apply first to outstanding interest IF payments were late then principle owing for that payment then if the payment was on time they would apply principle. I was on time with my payment in every case, I specifically designated the payment I had chosen for Principle. The next time I logged on the option to pay principle online was removed. I inquited in their online interface asa to why? BOA responded that they had " issues '' with accounting on this option in the past. The next log on I again applied my usual payment and designated Principle only to discover that it had been applied to INTERST. You need to be aware that BOA is not applying payments in accordance with their agreed upon contractual arrangements.

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 2016-02-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I visited a Sears store near me to inquire about the purchase of a cooking range. The sales associate convinced me to purchase the range that day and told me he could get me 5 % off if I used my Sears Card, which I did. The total purchase was going to be {$2500.00} and I informed him my credit limit on the card was {$1800.00}. The sales associate suggested we run the transaction to see if it goes through. It did and I assumed that the credit limit on the account was raised or the transaction was deemed okay. However, I received an email later that my credit card was over limit. As someone who monitors my credit rating carefully, I became concerned that the sales person 's actions could potentially harm my credit rating with an over limit report. I called Sears Credit ( a Citigroup company ) and was told that warranties and services are not counted toward the credit limit and they can put me over my credit limit when making a purchase. And they told me that the over limit status would be reported to the credit bureaus. Furthermore, they told me that I now owed {$750.00} plus the minimum payment in order to bring my balance below the credit limit. I feel this is a trap and puts the consumer in a very bad position. Not only did Sears knowingly allow me to cause harm to my credit rating, they also put me in a potentially harmful financial position. If I did not have the ability to pay the card down by the next billing cycle, I 'd be in a very difficult financial situation. Regardless, I will have a blip on my credit report regarding the over credit limit. Sears 's position is that I should have known their credit practices and the fact that services and warranty charges allow consumers to exceed their credit limit, which may potentially harm them. How was I supposed to know this and what is a credit limit for? And how can Sears take the position that they have no responsibility in this situation? Sears is wrong. I should have been informed at the time of transaction that what the sales associate was doing could potentially harm me. Please do something about this.

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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My husband at the time lived there we were separated. I never lived with him. There was a no contact order on him and I have proof of it.

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 2016-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for loan to buying house as residential in california on XXXX/XXXX/2014 at BANK OF AMERICA, after receiving all documents that they were requested, i receive letter from them that loan was denied without any reason.I requested many times and asked them please let me know the reason of denied loan ( on XXXX/XXXX/2014 ), unfortunately nobody respond and it caused hurt feeling to me and economical damages to me.there is a lot of documents can prove it.

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 2017-02-14
Company: Navient Solutions, LLC.
State: OH
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 'm a Navient customer. I submitted a request to defer my loan because I have a student in school. I waited for about 60 days and never received a response from them. I contacted them and was told they thought I was applying for a deferment for a different loan, although they have different numbers. I was told that I do n't qualify for deferment but I can request a forbearance. I told them I was n't interested in that and I would call if I need it. They sent me the form in the mail anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was assigned to Ocwen XX/XX/XXXX and monthly payments have been scheduled to be deducted directly from my bank. This has worked until the XX/XX/XXXX payment which I authorized to be deducted XX/XX/XXXX failed to process. On XX/XX/XXXX I contacted Ocwen to determine what happened and the C/S agent claimed my bank XXXX XXXX had rejected the the draft because incorrect data. No changes have been made on my part to the drafting process that has worked for the past two plus years and my account has substantial funds available. In fact, I have been paying additional principal each month. C/S suggested I go on the Ocwen website to reschedule the payment. Made XXXX unsuccessful attempts after which I called C/S again to advise that the website was locked up. Spoke to representative in Ocwen escalation dept to review issue and was advised they would investigate and advise. Notified him that I would send a check priority mail to ensure there would not be a delinquency on this payment. Also advised him that a {$25.00} charge was added to the amount due and must be removed as invalid. I requested the escalation manager provide me with a written explanation of what took place and when the issue would be resolved. On XX/XX/XXXX I received a statement showing my payment received XX/XX/XXXX and indicating the entire payment was applied to the principal balance even though no payment was debited from my bank and listing the next payment on XX/XX/XXXX as double the normal payment. This makes no sense since my payment sent priority mail had not been received at the time this statement was generated.. In the meantime, I have been playing phone tag with the escalation manager. The integrity of Ocwen 's data is seriously questionable and I wonder why XXXX would continue to use them to service loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for an XXXX Signature Visa card, but was not immediately approved. Without my consent or knowledge, Bank of America issued me a Visa Platinum card instead ... without nearly any of the sign-on bonus or benefits of the Visa Signature card I applied for. The point is that I applied on the website for the Visa Signature card and was automatically issued a lower-grade credit card without my knowledge. I did n't know until I received the card in the mail, despite checking the application status website daily! The website also at no point indicates that I might be assigned a different card. This is a blatant example of bait-and-switch by Bank of America that has left me ineligible for future sign-up bonuses from 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 explanation
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I have an XXXX XXXX credit card which I make payments through Bank of America. On Bank of America 's website, they provide the options for customers to make their monthly payments via E-Bill. When setting up my E-Bill, I was presented with XXXX options : Pay the minimum balance, pay Amount Due, pay the Statement Balance, and Other. I selected pay Amount Due and after the XXXX payment was due, I checked my account only to be surprised that only the minimum balance was paid. When I called Bank of America, I was informed that the 'Pay the minimum balance ' and 'pay Amount Due ' are the same thing ( even though the website provides different descriptions for the two options. Bank of America would earn interest on any individuals who thought they paid the amount due and did not check the amount that was paid. This is manipulative and deceiving.

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