BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: Navient Solutions, LLC.
State: CA
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 ( Student Loans-buyer of XXXX Original Lender Handler ) Makes harassing phone calls using several Different numbers : Toll Free # XXXX ; XXXX ; XXXX ; AND UNKNOWN NAME { ID # XXXX } XXXX ; XXXX ; XXXX ; XXXX. Also Navient has used a " Shadow '' ID # As : Solution Research A : XXXX ( Source ID verified by call back ). All above # s have been used on Average of 10-12 Times per day beginning at " shortly '' after XXXX Sunday thru Sunday on a constant continual basis. Additionally, the aberrant # XXXX used were evidently created to appear non-descript, however, upon my answer or return call " pick-up '' person would immediately voice a rehearsed disclaimer : " Your call may be monitored or recorded '' no additional comment as is Common on such disclaimer e.g. "... for training purposes. '' Afterward, the Authorized representative would immediately ask me to verify my : Name, SS #, etc. ; and then commence saying '.. .we are Navient Student Loans Attempting Collect and Outstanding Debt. BUT although I have spoken to separate individuals on multiple occasions regarding my debt and financial Inability to pay : apparently, it did not matter. I was transferred to several others to discuss my financial indebtedness but to no avail. SO I have refused to speak again on the matter Knowing I will go through the whole matter again i.e., It now has become HARASSMENT! 10-12 calls per/day on XXXX primary XXXX # in addition to the flagrant use of the others to try and catch me " OFF-GUARD '' i.e, trick me/bait and switch. Finally, given the multiple DIFFERENT numbers used and daily disturbance in violation of California Consumer Law : Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. ) There is no law that specifically limits the number of calls an agency may make to you, but repeated calls over a short period, which may be annoying or harassing, are prohibited.Therefore this harassment as above stated must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX XXXX fraudulently sold to Automotive Credit Corp by car dealership. I traded my XXXX XXXX at XXXX XXXX XXXX in XXXX, FL in XXXX. The dealership sent XXXX bad checks to XXXX XXXX XXXX and failed to pay off the vehicle so they basically stole my XXXX XXXX. XXXX sent the title to XXXX after receiving the second check without confirming that the check cleared. In XXXX XXXX XXXX XXXX sold my XXXX that was not paid off as promised in the retail contract to Automotive Credit Corp. XXXX is currently out of business and XXXX XXXX demanding payment in full in the amount of {$13000.00}. I called the finance company to explain what happened and was told that I was not their customer and that there is nothing they can do. So basically they were informed that they are financing a car that was not paid off by the dealership whom they bought the car from and are failing to release the lien and return the vehicle to me so I can pay the initial lienholder which is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a problem with a loan I got in XXXX XXXX, and subsequently refinanced again in a later date. Now about six months ago I found out that there are still XXXX outstanding liens from this transaction on my property. Also in XXXX the hat a wildfire come through and burned my house and most my records. This loan from XXXX was financed by Bank of America and I 've been working with Bank of America for six months or more and they are on able or unwilling to give me any pertinent information. These liens on my property from the prior owner causes me great financial trouble, I can not get in equity line of credit or sell the property lists these XXXX outstanding liens present. Thank you very much XXXX 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 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Delinquent account

Complaint:
Dear XXXX, I am requesting that both of my Capital One accounts be re-opened. Due to the loss of my mother and loss of job with my daughter the cards were over the limit, past due in payments because of my family crisis. The credit card company took it upon themselves to close my accounts, yet demand payment. Now that we can attempt to get back on our feet-we are requesting the cards get reactivated, and report both accounts as " OPEN '' on my credit report. If I am still committed to assume payments on the bills at least I will gain credit by Capital One reporting as NOW paying as agreed. Previous payments were made ontime, our lack of payment, and overages were simply due to my mother 's illness then finally her passing. It has been so hard trying to pay everyone, and keep a roof over our heads as well. Please mediate for us that Capital One will re-consider re-opening my accounts. We want to continue to make payments on-time and continue to build a healthy bussiness/customer relationship in the future. Lastly, we were told that a return check was a reason why the account was closed-we had so much going on with planning of funeral and burial with mom-it is hard for us to track down anything-they may have been a payment automatically to be collected out of my Capital one checking account-and in all the XXXX and XXXX going on, we forgot to follow up on the transactions-still we find that is no reason to close an account when previously the payments were made on time, and we received several increases on both accounts. We made several attempts to communicate with Capital One- we were faced with customer services representatives who had communication barriers which we could not understand XXXX were they able to access our problem to give real clear answers. We were told different answers as to why the accounts were closed-as though we were committing fraud, which that is totally ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Rossi Law Offices, Ltd
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rossi law office knowingly obtained a judgement attempting to pad bill they acknowledged they knew was not mine.

they misrepresented themselves on phone, witnessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been paying approximately {$680.00} a month for my college loans. 
XXXX loan is provided by Navient and this is the loan that is causing all ofthe trouble. My Aunt has cosigned on this loan for me and she has XXXX and she has been subjected to XXXX to XXXX calls a day, not onlyto her home phone but to her place of employment also. This has to beillegal so I am writing to you for help. 
The phone calls seem to be computerized and call from all different areasof the country. There seems to be no one who is in a position to stop this. 
I have had people promise that they would stop calling my Aunt knowingher physical state and XXXX. I gave them approval to take electronicpayments from my account and after a month they took a monthlypayment plus over {$500.00} which overdrafted my account for multipleother bills I have. It then took over a month to get back the unauthorizedwithdrawal. I know that Navient is connected to XXXX XXXX so there mustbe some ability for someone to intervene and stop this harassment of avery XXXX cosigner, my Aunt does n't deserve this and I would like to haveher removed as a cosigner. I intend to keep paying my loans butsomething has to change, please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I XXXX 2015 I disputed a charge from XXXX in the amount of {$380.00} because I paid them to repair my fridge, and it was not completed correctly. I called Bank of America on XXXX XXXX, 2015 and filed to dispute and they credited it back to my account on that same day. In XXXX they sent me a copy of the receipt XXXX had sent them stating the charge was valid because I signed. I never said I did n't make the charge - XXXX never made the repair good or honor their warranty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 've been trying to pay down my student loans and the interest is keeps going up. I had these loans since 2007 and I did not realize when I signed the contract my private loan is adjustable. I was young and irresponsible and now I 'm paying the price on paying these back. I have XXXX student loans and my biggest concern is my private loan. The lender is through Navient and I tried talking to them and reasoning with them with a better monthly payment but they want me to pay about {$400.00} a month and I can not afford that. I 'm constantly getting harassed with numerous calls and emails and they added new fees and my interest on my loans are constantly going up. I work but I 'm not making as much and I have rent, a vehicle, I 'm paying unemployment back the money I used abusively to pay back my student loans, and I have to pay them back or I will be in prison and get charge a felony. I have a lot of debt and I did file bankruptcy this year but some of my debt could not be discharge. I 'm not sure who I can talk to about this and I ca n't afford to pay that much and I did not even get a degree. I had to stop going because I could not afford to keep going anymore and I only last 8 months and now I owe around XXXX. I wish I had an understanding on how everything worked before I signed the contract and got myself into these loans. When I signed, I still had to pay out of pocket to get get supplies and I did not have a car at the time and had to figure out how to get to school and etc. I 'm very XXXX and XXXX out and I now have an condition called XXXX and it 's effecting me and my job. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has repeatedly represented to me l have submitted multiple requests for mortgage assistance ( RMA ) without providing copies of the RMAs upon receipt of my requests to do so. 

Starting in XXXX, Bank of America began to provide me with boiler plate template letters stating I have forwarded financial documents as part of a RMA application package. Since XXXX I have requested these documents and informed Bank of America of my on going concerns regarding identity theft and that Bank of America may have compromised my financial, personal, and privileged information since I have not submitted any documentation whatsoever as part of a new RMA or modification application package constituting reapplying or restarting the modification process as the modification process based on my RMA of XXXX XXXX and subsequent application package of XXXX XXXX is pending to date, as a matter of law, and will remain incomplete until a written determination letter is issued to me by the Appeals Department based on the XXXX XXXX, XXXX Appeal Report conducted by Appeals Specialist XXXX. 

107 ) Federal Trade Commission Act. 
108 ) Fair Credit Reporting Act. 
109 ) Equal Credit Opportunity Act. 
110 ) Home Mortgage Disclosure Act. 
111 ) California Identity Theft Resolution Act. 

Smart phones got apps. The government got Acts. If financial institutions are doing things they know they should n't, chances are there 's an Act for that allowing for the behavior to be addressed. 

All previously mentioned resolutions are desired and mandatory. Additionally, Bank of America must provide complete true and correct copies of all RMAs, application packages, and supporting or supplemental documentation along with all modification initial determination letters and subsequent appeal determination letters, if applicable, associated with this 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 2016-09-14
Company: The CBE Group, Inc.
State: VA
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:
We moved XXXX 2015. XXXX kept sending me a bill which I repeatedly explained that not only did we not owe the bill, but even if we did, it would 've been discharged by the Chap XXXX bankruptcy we filed in XXXX 2015. I sent them a copy of it. They have now sent it to a company called CBE Group, which robocalls me multiple times a day, hangs up when I answer, and leaves me on long holds when I call back and no one ever answers. I have also sent them a copy of the chap XXXX and a letter disputing this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear XXXX, I found out in XXXX ; through family XXXX in XXXX, XXXX ; that a file was in superior crt files, not XXXX county files ; # XXXX ; a deposit of surplus funds ; this was not a pay off as a mediator & judge XXXX, XXXX stated ; the lawyer was different ; not XXXX on the 2nd mrtg pyoff ; this should have been done via escrow as most are. 
They lied as a bad play ; mediator helped ; I believe based on my XXXX abilities that in fact ; that they wanted me to sue, knowing I may not get a lawyer ; I knew it was for $ XXXX ; and that XXXX XXXX and very possibly an impersonator for me ; signed and stole about $ XXXX ; and the judge retired, & the rest was stolen ; all while I was in jail and was not brought to jail for this court date! 
Fraud! The money was illegally Wire transferred I believe ; and never made it to my books, and or in my name ; nor bank/brokerage account ; it made it into XXXX. jail bank accounts, then was stolen. I made this via family services, I called, license suspension for child spprt, daughter passed in ex spouses custody. 
So I want an investigation ; as I know that some persons were paid off to move this money at that point ; I am owed the full amount ; and the city of XXXX, jail, and bank of America are liable ; $ XXXX, 20 %, compounded daily since XXXX is {$700.00} XXXX dollars. 
the money did arrive, and it was stolen ... 

Please review this and make plans to XXXX my check as soon as possible to my address XXXX XXXX XXXX, XXXX ca XXXX thank you, and XXXX XXXXXXXXXXXX

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 2015-07-13
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE group robo calling 5 times a day at all hours of the day and always just a recording can never actually communicate with a real person to tell the to stop calling. No idea who this company works for but it harassment plan and simple and I want them stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: IN
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:
shortly after graduated I started paying student loans and I called Navient to set it up so that my monthly payment would go towards highest interest rate first. I was denied multiple times and, after 2 years, was told by one associate that she could split my loans up in XXXX separate buckets. XXXX with higher interest rates and XXXX with lower interest rates. However, my monthly payment had to sprinkle across all loans. The only thing I could do was make additional monthly payments ( on top of my minimum monthly payment ) to the highest interest rate group. I 'm basically getting nowhere with this set up and I should be allowed to apply my monthly payment towards the highest interest rate loan first.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This just shows Bank of America 's incompetence. They have been claiming I have n't submitted proof of insurance and have even signed me up for insurance all while I 've had insurance and they should have the documentation, it was provided last year and now it 's my inconvenience they ca n't properly maintain records ... 

I 'm attaching the file for last year, they still have a host of issues to address from previous complaints so I will send the latest policy once they prove I am bound by BOA terms which means send me the legal information on the transfer of my loan. Instead they have only sent thousands of duplicate pages of the original note, BOA terms, everything but the legal paperwork for the transfer of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My debit card was stolen on XXXX 2010 and was reported to bank of America suddently. Now i have in my public record a judgement ( Bank of america ACCOUNT XXXX Court XXXX cnty reg mi, Filing Date XXXX XXXX, 2010 Amount {$14000.00} ) that is damaging my credit and my life, making impossible to me get credit from any bank agency. i can understand how they paid that amount in a fraudulent transaction if i only have in my account {$200.00} at that time when my purse was stolen with all my documents and was reported inside the bank premise. 
Please I want your assistant in this matter to solve it once for ever. 
Sincerely XXXX 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 2015-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX I closed on a new construction home. On the HUD statement I received a tax credit from the home builder for the months in XXXX I did not live in the home. I paid the full XXXX tax bill to XXXX XXXX on unimproved taxes. In XXXX XXXX XXXX billed me on unimproved taxes again which I paid. Early this year in XXXX XXXX XXXX sent me an amended XXXX bill based on improvement to the property that happened prior to XXXX XXXX XXXX. This was a non delinquent tax bill and had a due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Bank of America paid the tax bill and forced an escrow account on me and increased my payment 100 %, from {$3500.00} to {$7000.00} a month. The reason Bank of america forced this on me was due to delinquent taxes for XXXX. I called Bank of America up and advised them the the taxes are not delinquent per talking to XXXX XXXX and they needed to refund me the addition money they took from me for the taxes and to remove the escrow account. Note XXXX/XXXX/XXXX & XXXX/XXXX/XXXX I made the increased payments. Additionally the XXXX tax bill is out and Bank of America paid this bill as it is n't delinquent. My complaint is that Bank of America has illegally auto draft these additional monies from my checking account and holding them in their escrow account which is earning interest on the escrow monies they hold. BOA paid a bill that they should have not paid. This is a violation against the Deed of Trust as it states that this can only be forced if delinquent. I want my escrow account removed and I can either settle the bill with the taxing authority or Bank of America. This is a servicing violation on the servicing regulation rules set by the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX ' trees down in yard. tore down electrical, cut up about 60 % of trees that were XXXX % left to be cutup. wind damage and blew down fence on North side of property. trees knocked and blew down XXXX ' XXXX and gate and destroyed. damaged XXXX tarps covering boats on property with electricity off water pipes froze and broke in apartment - ruined carpet. tried to heat inside of apartment with kerosene heater. painting in process. holding check for itemized items from insurance adjuster to fit their needs

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
my bank of america housing servicing loan just disappeared in the state of mississippi where did my credit go to in mississippi

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