BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-08
Company: Navient Solutions, LLC.
State: WA
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 have a student loan with Navient ( the off shoot company of XXXX ) that is in good standing ... Naivent acquired my student loan as a rehabilitated loan from XXXX XXXX more than two years ago but XXXX XXXX is still reporting my previous balance to the credit agencies even though this account was transferred to Navient. Thus, in my credit report it is showing the original balance at XXXX XXXX plus my current balance which is showing me to be doubly in debt on my student loan. XXXX XXXX, through their automated voice system ( you can not speak with a live person ) refers ALL calls and inquiries to Navient and Navient will not make the correction though asked multiple times in formal written requests and phone calls over the past two years. I have provided copies of my Credit Report and more. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
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:
First of all, thank you for the work you do. You are all invaluable and underappreciated. 
When I started repaying my loans around XX/XX/2014 after graduating university, I was not aware of Income Based Repayment. Only after I have maxed out all my credit cards ( about XXXX dollars added on top of what I already owed ), and when I had no means of paying the over XXXX a month I was being charged, did I find out about income based repayment. My credit will take a couple of years ( about 2 ) to recover ( that 's because I 'll stay at home and eat mainly chicken, eggs, and ramen ). Granted, I 've had a recent hard inquiry into my credit, and I missed one payment one year ago, but the amount of credit card debt I have now is the major factor affecting my credit. And the APR on my credit cards are double the rate that the student loans were charging me. If I just applied for IBR right after returning from university, would I be in the situation I am in now? Did I miss an opportunity? How much money did I actually lose and continue to lose? I 'm only paying XXXX a month now, and my previous job, when I first left university, only paid me half of what I make now. I went to the XXXX XXXX XXXX XXXX XXXX, in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I am delinquent on Bank of America Credit card by many months. My husband is XXXX ill and after being told by XXXX he had XXXX, I quit work as an XXXX to care for him, XXXX years ago. I did not expect this and expected to return to work long ago. I have placed him in a home a few weeks ago and plan to return to work soon after I get personal affairs dealt with. I have filled out their form on their website filling in financial info for delinquent accounts telling them everything I have including income, debts etc. I have written to them asking for written communication only. They simply wrote back and said " We need to speak with you. '' They still continue to attempt to call XXXX or XXXX times every 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 explanation
Consumer complaint received 2015-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: GA
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 contacted by a company, Navient that indicated i had a loan from XX/XX/XXXX that was not paid. Since it was 8 years old and I had never heard about this before I asked for proof. This was in XX/XX/XXXX. After a dozen phone calls and letters to Navient I finally contacted the XXXX to help me obtain the proof of this loan, I received proof on XX/XX/XXXX with a note that said I was now past due. I do not think this is fair, It took them six months to get me proof that I owed the money and they want to tell me i am past due and report to the credit agencies and charge me interest on the time it took for them to provide the proof of the loan, which is still in question. I had filed bankruptcy in XX/XX/XXXX, and i was a victim of identity theft, so I have to be careful and I need proof of a loan that shows up after 8 years from nowhere. 
I really think that the company should let me verify the loan, and forgive the interest accrued while I was waiting for them to provide the documents. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
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 currently have XXXX open student loans with navient. I am not offered a repayment plan based on my income. I have been putting my loans on forbearance and deferment but the interest has added over XXXX dollars to my loans.The company has failed to inform me on deferment period ending numerous times and it resulted in late payment marks on my credit. I have asked numerous time what i can do. I even make payment during deferment periods. I want to pay my loans off not keep adding interest. The repayment amount is more than i can afford a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Privacy

Complaint:
Bank of America shared my financial information with Debt Services companies who within a matter of days sent me letters stating : " we are aware of your current financial situation. '' and offering to restructure my credit card debt. I had contacted Bank of America seeking a reduction of the high APR that kicked in once a 0 % balance transfer offer had expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Navient Solutions, LLC.
State: NJ
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:
For years, I 've been trying to get XXXX/Navient to reduce the interest rate I was paying on my school-related student loans based on my XXXX XXXX military status. For years they refused. Finally, when they were forced to reduce my interest rate they credited my account for several thousand dollars based on the overpayments I made for their usurious interest rates over and above Service members Credit Relief Act limits. They also issued me a tax form, claiming that I had the amount credited toward my student loans by Navient as income. Since that money was overpaid I do not see how that counts as income. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is one many bank of America and their fraudulent practices they give me a loan modification based in my income what I can afford they know my income is limited but they said one year after you make the payment I will be able to refinance their loan modification was only one way to make a contract that is in favor of them by law the contract it has to be that both parties agree on by they changed the way it only benefit them the loan modification only last 3 or4 mouths they forced me through the Cort system to sign their loan modification they have try before but this time after I paid them 3 times the amount they asked for they force I signed they said last complaint I made they know my income is limited my XXXX is the only thing on their way to help me I called costumer service but they do n't know why but refinance or hamp or hardest hit or harmp is not for me I called discrimination last person I talked to he said there 's no discrimination if I do n't apply one of his excuses was they do n't give me the form she said he will send them I m still waiting for them other excuse was that I did bankruptcy another of their lies when I signed my original contact she only sign become she was my wife she has responsibility in this loan that was one of the problems why they dropped the first lawsuit against me and my wife then they realize their mistakes and filed the XXXX lawsuit against me only bank fo American discriminate me For mi XXXX the hire lawyer they got in touch with me and warning me about the complaints discrimination about not getting refinance they try get me out of the house by changing the scrow

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 2015-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I have a habbit of setting up online payments to pay off the balance on my Bank of America credit card every month. In XXXX of 2015, I noticed that Bank of America had gone in and modified my authorized payment - without any notice to me - to reflect an amount lower than what I had set up. If I had not caught it timely, this practice would have exposed me to interest and fees, despite having received a " confirmation '' for the payment that I had previously authorized. Bank of America representatives initially denied that anyone on their end could change payments scheduled by a customer. After elevating the issue, I was finally told that the modification had been a " computation error '' made by a " new system '' and that it would not happen again. The issue has now repeated itself and Bank of America representatives are now repeating the same lines they used last time, stating that no one on their end can change scheduled payments - despite already admitting after their previous investigation that their " automatic '' system does in fact take actions to modify customer payments and expose customers to interest and fees without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A representative from the Collection Agency called XXXX XXXX has called my job several times stating that I have a debt and they have a wage garnishment. He spoke with the company 's secretary and in another occasion with the vice president. This debt is from 2006 and I think is a prescribed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 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 or the payments were misapplied.

Company response to consumer: Closed
Consumer complaint received 2016-01-28
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I sent payment through my bank online. Informed XXXX from Hunt and Henriques that payment was sent and that it might take 5 days for them to receive. She calls me and leaves me a message that payment has not been received. I checked my online banking and it says payment is " paid ''. I also printed out a proof of payment. Called and spoke with XXXX again to let her know that my checking account is reflecting the payment has been paid and asked her to double check. She says she does n't see payment has been paid and does't double check. I ask her again to check, She insist she does n't see it and to call back later to check again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt was granted a discharge under section XXXX ( a ) of title XXXX back in 2000.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22
Company: Radius Global Solutions LLC
State: KS
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:
I already submitted a complaint, case number XXXX in XXXX. The debt collector agreed I did not owe this debt and removed it, and now XXXX XXXX ( which by the way is not a company that actually exists, and must be someone going around illegally trying to collect money ) has gone with a new debt collector. Their name is XXXX XXXX XXXX, XXXX. The client reference number is XXXX XXXX. I submitted a complaint against the other debt collector and XXXX XXXX XXXX XXXX, yet they seem to be allowed to harass me with a new debt collector. They are using my maiden name ( which has n't been used since XXXX ) and SSN. I do n't understand why this continues to occur, so can someone please stop this harassment? Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Service Finance Holdings, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We were over 30 days late making a payment on this loan account. The loan company reported this to the credit agencies ( as we would expect them to do. ) However, they have reported that our loan was a mortgage. It is not a mortgage loan, it is a non-secured installment loan for an HVAC unit. We have asked repetitively for the company to change this or give us a written statement that this is not a mortgage loan so we could have it changed, and they refuse. We paid to have this investigated by XXXX XXXX. These are the results we received. " The rescore/investigation for XXXX XXXX is now complete. RS ... XXXX XXXX IN INVESTIGATION XXXX WAS UNABLE TO SPEAK WITH A LIVE REP ' ... XXXX XXXX COMPLETE 'ACCOUNT CURRENTLY DISPLAING AS TYPE XXXX HOME IMPROV. INSTALLMENT LOAN AND NOT MORTGAGE ... XXXX XXXX COMPLETE ... XXXX XXXX ORDERED ( XXXX ) What this means is they were able to receive an update with the correct information from XXXX ( XXXX ) & XXXX ( XXXX ). They were not able to speak with someone from XXXX and have therefore opened an investigation that should be done within 30 days./The creditor responded to XXXX on XXXX and stated account currently displaying as type XXXX home improvement installment loan and the creditor responded to XXXX on XXXX stating account currently reporting correctly as a mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Dynamic Recovery Solutions, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lady from Dynamic Recovery Solutions left a message to call her at the XXXX # concerning the debt collection against me. I do not have any collections against me. I have an " excellent " credit score which I checked 1 day ago. I did not nor ever will call back. They do not ask for anyone by name. In the past, I have gotten a very similar message, but I can not verify if it was the same #. Because of the nature of the call, I believe they were trying to sell something, or lying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid an {$85.00} bill. This collections agency put on my XXXX credit report as I still owe this money. They told me they update the report every Friday. Friday came and no update. the next Friday showed up and no update. Then they told me they would send a receipt and I would have to contact XXXX myself. Three times I asked for this receipt and they never sent anything to me. I had to put a reverse on my credit card. Now they are trying to collect this debt again.They put XXXX more negative things on my report. They could only put negative information on credit reports This collections agency should be shut down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Lansing Professional Business Bureau,Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was never told directly about this bill that I " owe, '' but instead I found out about the bill when I accessed my credit report. I contacted the Lansing Professional Business Bureau, which is what was indicated on my credit report and they told me that it was " too late '' to send them my XXXX insurance. I have XXXX insurances for this exact reason! When I initially when to the hospital they only took the XXXX insurance card although I handed them XXXX. Then when I call to still give them my secondary insurance, they told me that I could no longer submit it because it was sent to collections. I am never supposed to pay {$500.00} out of pocket for medical bills with both insurances working together. I would like to dispute this medical bill because 1 ) I was never directly informed of the bill 2 ) they informed a debt collector before informing me 3 ) they told me that I could not submit my insurance again, even though I submitted it to them in the first place 4 ) I disputed the medical bill and they did not reach me within the 30 days 5 ) I have called and called and each time I was informed that " nobody could do anything for me. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother passed away in 2014. We were told that she had a reverse mortgage through XXXX XXXX. I was in negotiations with XXXX XXXX in order to pay the loan off. I was told that I could pay {$84000.00} through a refinance. At this time, I tried to reconcile this account, but could not due to the title being in my mother 's name. I had to take her estate through probate in order to clear title. I informed XXXX XXXX of this matter and was told that they would wait to re-order a BPO after everything cleared the probate court. As the Executor of my mother 's estate, I proceeded to start the refinance process. The representative from XXXX XXXX informed me that they must order an updated appraisal/BPO. I proceeded on my end to get approved for a loan and waited for the representative to order the appraisal/BPO. To my surprise, I was served with foreclosure papers last month. I could not believe that while I followed all instructions and stayed in touch with the loan servicer, I was blindsided with a foreclosure filing. I understand that XXXX and CIT Bank are now one in the same, but I do not understand how CIT can not honor XXXX arrangement. I was approved for the loan and was told that I MUST wait for their appraisal/BPO to proceed. I have done everything required of me and this is unfair and unjust to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Issue: Late fee

Complaint:
good evening, First on XX/XX/2015 i applied and was approved for the Verve credit card throughContinental Finance.After activation " the rep said we have charged your account XXXX '' stunned i " said why so much?? this rude women said very fast XXXX monthly maintance fee,XXXX if i call to make payment over the phone, and i now have to pay XXXX up front " i said no i 'm gon na wait till my due date '' .Which brings me forward to XX/XX/2015, I madeXXXXXXXX online payment to them, well i was not aware you could not use a debit card .... 
so they waited uXXXXtil XXXX XXXX XXXX " said you went in and deleted your debit card on line and put in your checking account number right? " I said yes because your site did not mention this.. very rudely the gettleman said that because i now paid 2 days early and changed the amount from XXXX to XXXX mind you the amount is only XXXX well i have to send XXXX XXXX or money gram of return fee of XXXX on top of the XXXX to make up for the XXXX that never even cleared bank of america.Meanwhile the revolked my account and reported me to credit bureau for XXXX and being late.

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