BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-01
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I was contacted this morning by CBE Group at XXXX local time to collect a debt for XXXX XXXX. I specifically asked XXXX to not call me any further regarding the debt unless we were discussing negotiations regarding its legitimacy. Yet, here we are XXXX with my cell phone ringing to a debt collector. 

XXXX is attempting to collect almost {$1100.00} for XXXX XXXX XXXX XXXX devices that were damaged from day one. I made every feasible attempt possible to resolve the issue and have the devices repaired or replaced, XXXX refused to comply ( their excuse is that Franchise locations do n't have to abide by XXXX XXXX XXXX ). The final attempt to resolve the matter resulted in a store manager rudely telling me that my issue was n't their problem and I could leave. 

So I left, not just the store, but the whole company. Obviously I was n't getting anywhere by talking to them anymore ( and I 'm still not either ). I attempted MULTIPLE times to resolve any outstanding balances with the company, they refuse to negotiate or work with me on the matter and expect me to pay full retail for XXXX broken phones. I offered to come to a fair and reasonable settlement, they wo n't have it. 

Then this morning ( XXXX ) XXXX tells me that regardless if I would have given the phones back or sold them outright, I would have to pay the same amount of money to them ... but I was wrong in selling the phones outright? 

I have informed XXXX/CBE Group that as of this moment that they are to not contact me again unless it is with a fair and reasonable settlement offer and I will gladly be taking this matter up with the necessary parties to have this debt not only settled but never posted to my credit under my Right to Redressal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Roughly XXXX years ago I held accounts with Bank of America. After having recurring issues with the account, the account was closed and eventually charged off. I paid BOA all monies owed XXXX {$170.00} XXXX, and have obtained receipt of payment. I recently went to open a bank account at another institution, and everywhere I go I am told that I am unable to open a new account of any kind due to a BANK OF AMERICA account that was satisfied. When I went to BOA to enquire about this, they said informed me that it was nothing they could do, and that this matter is in the hands of XXXX. After contacting XXXX, I was told that BOA reported me for suspected fraud. I later learned that XXXX is an entity jointly owned by BOA and other major banks. I have never been fraudulent in my dealings with my accounts, and was never notified of such suspicion or allegation from Bank of America. It is my understanding that bank records remain on XXXX for up to XXXX years ; however, with this XXXX situation it appears I can be restricted from opening bank accounts for another XXXX YEARS?! After repeated conversations with Bank of America, as well as having PAID IN FULL the debt owed, it appears I am being blacklisted from banking elsewhere, even though I OWE NOTHING to them. I AM BEYOND FRUSTRATION!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
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:
When I had first graduated and explored my repayment options I was never properly counseled on what may lie ahead of me. I felt like I was guided toward the most common repayment plan without disclosing the costs and benefits. After graduating from XXXX school, without a job in my field, and unable to make my monthly payments XXXX I was counseled to defer my repayment plan. I was never advised to make smaller monthly payments or offered alternatives. My interest rates were never discussed nor were the way my repayment would be applied. After graduating XXXX, taking a year off, then we applying to graduate school and enrolling I had to defer my student loan payments. During the time I did this and called to discuss my student loan options they simply stated I should go inter Department. The loan counselor never explained that my interest rates would continue to grow and I would accrue interest over there as I was in XXXX school as well. I have previously tried to call and calculate a better repayment plan and feel I was never given a direct answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CL Holdings LLC
State: MD
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:
This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Was XXXX XXXX loan, transfered to Navient, Now XXXX on my credit report, as Write off. When we call Navient to get it corrected, they have no record of the load. 
Killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Iwas paying a mortgage company called nation star and wasput into foreclosure It was supposed to be service by BAC home lending I would like to know in writing when did XXXX XXXX start servicing the loan and when did she stop in writing. I was told she did not service the loan any more when I called her inXXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a debt collection account that was opened under me by the company name of " CBE. '' I have experienced identity theft for a few years now. This company I have never heard of. It states I owe {$320.00}! I need help disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
Submitted information to company as requested but no update has been done.

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 2017-02-05
Company: Navient Solutions, LLC.
State: PA
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:
Hi I 've been having an issue with navient and the XXXX XXXX and my student loans, I 've been having a hard time getting answers about my student loans. I 've been redirected, hung up on. My loans have been bought and sold adding to the fees and penalties. It 's overwhelming, it 's scary, and it 's been making my life so horrible. I wish I did n't get the fake education from the XXXX. And then have to deal with predatory loans. It 's ruining my life. The XXXX is a sham. And the loan holders do n't give information, they do n't assist in any way. I have XXXX kids and a part time job so I can take care of them. Loan holders are asking for a ridiculous amount. I ca n't do it. And they wo n't help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Due to my account being overdrawn on XXXX/XXXX/2016 I was charged a overdraft fee of XXXX which I paid but not right away with no problem due to my error. I received an emailing stating I had until XXXX/XXXX/2016 to take care of bringing my account current or I would be charged additional/extended XXXX which I did on XXXX/XXXX/2016 which was apparently to late. it does not matter to the bank that I was charged the additional even when my account was current the only concern was I had 5 business days to correct and it was not done according to their procedure business day.

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 2017-02-08
Company: Navient Solutions, LLC.
State: NY
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 was attending a XXXX school in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX which I had to take out a XXXX XXXX loan. The school closed and I continued to make payments and here it is, 16 years later, the loans are still outstanding. My loan needs to be removed or reviewed. I believe I 'm subject to an expensive subprime loan which prevents me to pay down my loans. Please look into my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America did not honor its Terms and Agreements set forth in their terms and agreements. Held funds and deposits, then close my Account and keep my {$500.00}. Close my account without any electronic confirmation.

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 2017-02-20
Company: Navient Solutions, LLC.
State: PA
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:
An umbrella consolidation was done and delayed an additional 60 days to accomdatie NAVIENTS student loans. Eventually based on the information received a check was issued. A review showed the a pay-off check was received an cashed by Navients. However, Navients denied receiving payment and has instead conjured up additional laons from their hidden closet. When will it all end and how far will they go? Please help me to be rid of the fraudulant, underhanded company. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is servicing my loans and the balances are getting out of control. I questioning the amounts and practices of Navient. I would like for the XXXX to be verified with my college.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Submitted check for auto payments XX/XX/2017 for over three years of payments XXXX XXXX claims I was late the next three months I have copy of canceled check cash by them for over XXXX XXXX dollars?

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 2016-09-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called adastra recovery services because I recieved a scam call claiming to own the loan. Ad Astra reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to ad Astra and there quality control Specialists they then sent the debt back to XXXX XXXX " the original debt ''. XXXX XXXX did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because XXXX XXXX said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Bank of America put a charge off on my credit for a credit card I never used. They had the wrong address, the wrong phone number who knows who they were sending that information too. I never knew about the charges on the credit card or what was going on because they never had my information because the person using my account had it. They are taking very long to resolve the issue. I am not happy because the charge off is affecting my schooling, I ca n't get school loans. Bank of America invalid info they had in meXXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
It has been over a year now that I have been in review for a loan modification with Bank Of America without any resolution. I have been submitting every single requested document without any delay. However, it now appears that they once more have changed the " single point of contact '' that that had initially assigned my file to and I 'm being asked to resend all documents again. I 'm XXXX years old and ca n't afford to lose my home at this point in my life and I 'm respectfully asking for your assistance in this matter.

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 2016-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I signed up for a new XXXX through Bank of America. Via phone, I immediately set up automatic payments to be applied to my account so that my credit card balance would be paid in full on time every month. I received an account statement on XXXX XXXX reporting that my automatic payment would applied on XXXX XXXX. On XXXX XXXX, I noticed that I was charged a late fee and finance charge. I spent 45 minutes on the phone with Bank of America trying to figure out why my statement reported that my automatic payment was all set up, but I was still charged a late fee and a finance charge. At the end of the call a representative waived these charges and attributed the incident to " bank error. '' On my XXXX XXXX statement, it says that an automatic payment will be applied on XXXX XXXX. I do n't know whether to believe my statement, or to assume based on this experience that they are just printing this on my statements so that they can collect late fees and finance charges at my expense, forcing me to call into customer service month after month.

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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I got a call from XXXX agent over a year ago about not letting my school loan default. Not really knowing much and talking with them I found about forbearance to get them out of default. We did the paperwork and they determined with XXXX kids and my pay I would have {$5.00} taken from my paycheck per paycheck. Then after a year I would get contacted by a new collector. I never did and then a bill from Navient showed up and I had to call to make sure they were n't a fraudulent company. Found out they were part of XXXX and I had just recently paid a CC off so I started sending that money in twice a month towards my loan. So I went from paying {$10.00} that XXXX had taken from my check to {$100.00} a month. Last month I got a final notice letter from Navient. I called and asked why? They said I had n't been making large enough payments and I explained all this to XXXX ( # XXXX ) and asked for all info in our conversation and the paperwork I needed to fill out, to get my payment recalculated as before when XXXX had done so, emailed to me along with conversation. I did receive a email but could n't respond to it and still have not received the paperwork I need to fill out. Very frustrating as I am working hard to provide for my XXXX kids and rebuild my credit score after my divorce and find out they are reporting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reference Case # XXXX Still having great difficulty communicating with BOA applicable employees/customer service reps/robots. None of the latter return phone calls, have voicemail, and obviously do not listen a/o care about any such msgs left on their extension #. It 's either incredible or purposefully planned this way by BOA management ( XXXX ). If ... ... ... .because of BOA 's deliberate/disinterested lack of support and response ( s ) the short sale offer on our waterfront lot is withdrawn by the interested buyer, what action ( s ) can we take vs. BOA?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: AR
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:
In XXXX XXXX while I was deployed to XXXX, my parents co-signed a student loan for my spouse in the amount of {$26000.00} ; the loan was initially financed through XXXX XXXX and later sold/transferred to Navient. My spouse and I separated, and later divorced in XXXX. 
In early XXXX, due to my mothers failing health, my parents attempted to refinance their home, only to discover, since my ex-wife had not made payments and the student loan was in arrears, their loan was denied. 
Upon contacting Navient, my parents were told my ex-wife had repeatedly been granted deferments to take additional classes in additional to not making payments. At no time, as the co-signers, were my parents notified or conferred with when she deferred the loan to take additional classes or when the loan fell into arrears. 
We have been unable to contact my ex-wife ; attempts to call her last known phone number, use her last known email address, and mail certified correspondence to her last known physical address have gone unanswered and/or been unsuccessful. 
The loan which started at {$26000.00} in XXXX XXXX is now {$33000.00}. 
Parents : XXXX and XXXX XXXX XXXX XXXX Account is under the name XXXX XXXX ( maiden name XXXX ), # XXXX # XXXX DOB XXXX XXXX XXXX If you need a XXXX contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Case # XXXX. After reviewing B of A partial response, I refute it. Loan ending XXXX - B of A ca n't forgive this loan, because they do n't have a legal claim, as evidenced by bankruptcy ct. ( please see submitted evidence ). After reviewing my Experience credit report, I discovered B of a erroneously reported the following late payments for loan ending XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I can provide payment and posting dates to refute this. Also, I discovered that they reported late payments for # XXXX for XXXX - XXXX XXXX - XXXX, XXXX, XXXX, XXXX. When B of a extinguished this loan in XX/XX/XXXX, I stopped making payments after talking speaking to a bank rep in XX/XX/XXXX. I spoke with their home team, equity loan, bankruptcy dept., and local branch. None of them ever refuted said extinguishment. Curiously, I did n't make payments on defunct loan # XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never heard a peep from them. Clearly, B of A is guilty of malfeasance in regard to this loan, and have completely destroyed my credit. I own XXXX properties with mortgages all paid continuously and timely through 5 years of bankruptcy or I would n't own them now! I would expect this sort of chicanery from a loan servicer. From my perspective the only thing B of A is committed to is committing fraud on the consumer. Once again I maintain that if my e-mails server and that of my former attorney, XXXX XXXX, were sub-poened from the time frame previously indicated, that I would be completely vindicated in my claim. B of A responded by claiming I did n't cooperate by not sending them a copy of the extinguishment. That 's insane thing to ask of your customer, what happened, they lost 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