BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MA
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 have no idea how I over over XXXX. I never was told about my interest. I took out XXXX small loans. I went to a 4 year university and lived on campus for one year. XXXX did nothing to help me. I barely make XXXX with a college degree.I was never told about private and federal loans and going to school out of state. Nothing was explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated from the University of XXXX XXXX County in XX/XX/XXXX with a XXXX. I worked in my field for 6 years until I came down with a devastating XXXX in XX/XX/XXXX which leaves me unable to work and in the hospital several times a month with life threatening XXXX. I am receiving Social Security XXXX Insurance and XXXX through my former employer which is around {$20000.00} a year. My out of pocket medical expenses are between {$12000.00} and {$15000.00} a year leaving me with barely any money to survive on. I am also on a very expensive, strict diet which costs me over {$400.00} dollars a month as I am allergic to most foods. I have several private loans and most of them have either forgiven my loans all together or have applied all of the interest I have paid the last 9 years and have significantly lowered my principal and monthly payment to an affordable amount. American Education Services is the only lender who will not work with me. They are stating that I have no option for XXXX forgiveness and have informed me my decreased payment of just paying interest will be soon ending sending my monthly payment from {$170.00} a month to over {$400.00} dollars a month. I have used all but two months of my forbearance with this loan and I have asked for an account review to make an exception and significantly lower my payment due to the rarity and severity of my disease, but they will not work with me at all. I need help. I am just trying every day to continue to be able to afford my life saving medications and treatment and the stress from this is overwhelming. I have been paying on this loan for almost 9 years and have NEVER missed a payment and have used almost all of my allowed 12 month forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Vantage Sourcing, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have a collection agency that has been harasses my family for me and they tell everyone that they are the cops and they are putting me in jail and telling everyone they are a collection agency and they call me and tell me that they are going to put me in jail if I do n't give them my place of employment. And to top it all off I believe this bill is over 7 years old! I need help cause they are calling me all day on my cell phone and I 've told them several times to stop calling my cell phone. I believe it is rent a center in XXXX. And I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a Cashapp account which I had sometimes used to send or receive money.

It advertised like it was a bank account, but one day Cashapp didnt work and I reached out many times. There was no phone number to call. 

After many messages on social media, I determined that the company had terminated my account. 

I reached out to try to rectify the problem, but was told they will not discuss any account issues. They will not confirm or deny much of anything. They told me via XXXX that once a an account is closed it is irreversible. 

I have asked for my account history, but they have not as of right now, provided it. 

The fact that this company can close my account, without accountability or redress-ability, nor comment nor any procedure is dangerous and problematic. 

What if I have a XXXX dollars of XXXX, cash or other asset? Do they continue holding it, is it refunded? 

These apps are becoming de facto banks. The fact that they can ban someone easily and quickly is of the upmost concern to consumers. 

Imagine dealing with a real financial bank and they refused to tell you what happened and keep pointing to the terms. 

This app needs serious oversight by a governmental agency. 

I am sure many other people are in the same boat. As XXXX and other virtual Paument methods are becoming more popular, these banking apps need to provide a safe platform, and the consumers need accountability and trust. 

I had several XXXX dollars in the account and I can not confirm if, when, or what money was transferred or where it is is disheartening. 

Also a XXXX user should be able to challenge, respond, or otherwise be involved in all aspects of the account, especially a total ban. XXXX should have to follow strict and rigorous procedures and not arbitrarily or capriciously. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I was in college I moved around alot. My identity was stolen using cards and other information that came in the mail. I had opened an account with Suntrust and they sent my card to one of the old addresses. Someone tried to use my card and Suntrust then placed a fraud alert on my account. I contacted them and told them what happened and they would not remove it. They will not even send me a letter or anything telling me if I owe them or not. This is causing me a lot of pain and suffering. I have not been able to open an account anywhere! They will not even allow me to dispute it. I have went through XXXX XXXX XXXX and they are still no help.

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 2016-08-13
Company: SUNTRUST BANKS, INC.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO

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 2015-03-30
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
The XXXX company have tried to enforce a fraudulent agree ... .I have paid over {$220000.00} on my loan of {$170000.00} ... .I kept my promise an did not Breach the Contract as was done by Suntrust and charge me a very higher interest rate. My hands in clean and will need more protection from these greedy lenders. " " '' HOW CAN THEY ENFORCE AN ILLEGAL CONTRACT TO STEAL OUR HOME? " " '' IS THIS A SCAM ON THE AMERICAN PEOPLE?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Refer to complaint XXXX. NONE of the questions were answered. 

XXXX Received letter dated XXXX, stating " We have received a request and added to your credit report an Extended Fraud Alert. '' 1. WHO/WHAT/WHEN/WHERE/HOW requested to ADD the fraud alert? I have NEVER requested such alert. 

2. Provide US based customer service direct phone line, not some generic line where there is no way to talk to humans. Provide 2 names, job title, and phone numbers that I can reach directly.

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 2016-09-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Well I graduated from XXXX XXXX XXXX XXXX XXXX XXXX, MD back in XXXX XXXX. But after I graduated from XXXX XXXX, I was told by a Collection Agency as well as the XXXX that I owed the school {$5300.00}. The XXXX XXXX XXXX financial aid department stated when I arrived to my last semester before graduating that they had all students sign this form stating that from the year XX/XX/XXXX -XX/XX/XXXX, that the students did not have the initial funds to continue their XXXX XXXX degree. Therefore, multiple temp credits were released to cover the expense. But my question to the financial aid department and to XXXX XXXX was if we as students did not have enough money to proceed with the XXXX program why were n't we informed before proceeding with this 2 year degree? Some one in the finance department had to have known right? This did not even include the actual government loan that was generated. I owe the government XXXX in back money for going to the XXXX XXXX XXXX for graduating with an XXXX Degree. Also, The school did not help me with job placement in my field of study nor am I working in my field of study. I tried many of times to contact someone in reference to my issues with XXXX XXXX. But Unfortunately, I was unsuccessful in my efforts of beating this issue. I tried seeing if my credits were transferrable, but they were not due to the college that it was illustrated by all students across XXXX. ( Note : The XXXX XXXX XXXX stated that the temp credits were to assist in fronting money for all students who could not afford their education, they tacked this so-called credit on to students and now the institution claims they did not do this action any longer. Well if they did do this from the very beginning of my college courses, then what was the purpose of the governments FASFA program that all students applied for and where did the FA money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
For months now I have been asking to please undue the fraud alert off my credit for good. I ca n't buy a car or anything else because Equifax has had a lock or alert on my credit. I call and they say there is n't one or some other run around BUT when they mail me my credit report it PLAINLY says extended fraud alert on it.. why is this so hard to remove and be done away with???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was recently scammed and Bank of America is holding my liable for the sum of {$47000.00}. They closed my accounts and took all of my money in checkings account and savings account even after explaining to them that i was scammed. I have no money to my name and no way of paying this amoung.

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 2016-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My home equity loan with Bank of America went through bankruptcy. They are now raising my interest rate XXXX basis points. I called them about this and their only explanation is that it is a variable interest rate. The mortgage company can not raise my interest rate or change the terms of of loan because of bankruptcy protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Navient Solutions, LLC.
State: VA
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:
I am the co-borrower on a student loan. The borrower has made all his payments ( a few late, but made. ) I have ask and the borrower has ask to release me from the loan and we 're told it ca n't be done. This loan was taken out in XX/XX/2005 the borrower has paid over {$22000.00} on it ( of course all toward interest because the original loan was {$32000.00} and the balance now is over {$36000.00} ) We are asking to release me the co-borrower, the borrower will continue to make his payments as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX I checked my Bank of America account to find that my balance was {$0.00}. There was a HOLD posted for {$2900.00} by the bank. When I contacted Bank of America I was informed that the hold for a judgment and they gave me a phone number to call of a collection agency. I contacted the agency and was informed that there was a judgment against me from XXXX for a medical bill in the amount of {$680.00} ( the original bill was {$250.00} in XXXX ) I then contacted the obgyn office to confirm and we concluded that notices were sent to the incorrect address. I immediately called the collection agency and settled the balance. The agency sent me the documentation which was sent to Bank of America in the amount of {$680.00}. She also faxed me a coy of the receipt for payment, original bill and letter to Bank of America to release all funds immediately. I called the customer service dept at BOA and requested clarification and documentation as to why {$2900.00} was removed from my account when the judgment was for {$680.00}. They refused to provide any documentation to support the {$2900.00}, refused to credit back the additional funds and informed me that I would be receiving a check in the mail in 3-5 business days for {$2200.00} ( my $ XXXX {$680.00} for the judgment ). I explained that I have already paid the collector ( which I have scanned copies from the office supporting the letter to BOA for {$680.00}, the letter to release funds and my receipt of payment to settle the account ) and I can not wait to have the funds replaced. There are several outstanding checks that have not cleared and without those funds the checks will bounce. After over an hour on the phone with BOA explaining the situation to multiple people, they said that their legal department will not speak to customers but they informed the BOA customer service manager that the collection agency 's letter stated to remove the {$2900.00} for " housing expenses '' the judgment was for an XXXX. I informed him that I have a copy of the letter that was sent to BOA as well as confirmation from the employee who issued the letter XXXX stating that BOA was completely wrong. They are still continuing to hold all of my funds. I told them I can understand holding the {$680.00} until the letter has been processed, as these things take time. But I can not understand how they can legally withhold the rest of my funds without cause.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loans through XXXX XXXX were transferred to Navient. I wish to ended the length of the loan the help lower the cost of monthly payments ( which in turn actually makes them more money ) but they refuse to budge on making my payments actually affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Navient Solutions, LLC.
State: MA
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 did not receive a notification from my student loan servicer ( NAVIENT ) re : needing to renew my XXXX status. After I discovered it had lapsed two months later ( Navient sent me a notice that they had capitalized the interest, but it took XXXX inquiries and over a month for them to respond to me as to what had happened ), I refiled all the paperwork ( XX/XX/XXXX ) and checked with the loan provider XX/XX/XXXX to ensure everything was in order ( Navient confirmed that it was ). On XXXX/XXXX/16, I received a notice that my proof-of-income paperwork did not indicate the pay frequency ( it did, and they previously confirmed this ) and asked me to resubmit. When I logged into the " old '' version of their website ( they recently updated their website, which does not provide all the important options ), I saw that they somehow had no record of me submitting any documents to them ( despite the fact that I had, they had confirmed it, and the recent email said I had submitted documentation [ albeit insufficient ] ). So now I have been in a standard repayment plan -- - rather than my XXXX -- - for over 4 months because of their failure to notify me of the need to renew and errors on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: AZ
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 enrolled on the income based repayment plan through navient. I was having financial trouble and they directed me toward a forbearance which was collected interest that I was not made aware of. My payments were also misallocated across multiple loans. I am also a wartime veteran and the reporting of my loans to credit companies negatively affected me buying a new home with my XXXX. A right that I earned serving this country and is granted to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This property is within a Planned Unit Development and is a member of a homeowners association. The owner abandoned this property shortly after the bank filed a foreclosure complaint on XXXX/XXXX/2009. The house has been sitting vacant for over 5 years and has fallen into serious disrepair. The bank is not maintaining the property, and the association assessments are not being paid. The failure to pay the HOA assessments places an unfair financial burden on the other owners in the community because the association 's expenses must be paid regardless of the delinquency. The bank 's failure to maintain the property affects the values of the surrounding properties. Neighbors have reported seeing rodents go in and out of the house through a hole in the wall, causing health concerns. By delaying the foreclosure process the bank has allowed the value of the property to decline, has caused an unfair financial burden on the other owners, and has caused health and safety concerns for the neighbors.

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