BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
Navient has made repaying loans over the past few most almost impossible. I currently have no income and am unable to make payments at this time. I have provided them with needed income and financial information for other repayment options. They have refused to use this information properly. Instead they told me that my monthly bill payments to other credit cards were not what I was telling them, which was false on their end. They made it impossible to come up with a solution such as lower monthly payments due to me not having an income. They also harassed my elderly grandmother who is my cosigner to pay the bill which she is on social security and can not afford either. They lied to me and said that they could only help me with repayment options if my bill was XXXX months or more behind. Then when I waited like they said they made it impossible to get any thing accomplished. I have also in the past paid fees in order to have my loans " put on hold ''. Navient had been untruthful and a disgraceful company. Not only have they made it hard to repay loans but they have made me rethink why I even went to college in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Promissory Note with Bank of America XXXX BOA XXXX that was cancelled in XXXX. After repeated requests for them to remove the lien on my property, BOA has not yet removed the lien ; nor have they responded to my requests. Furthermore, BOA is attempting to foreclose upon the property on behalf of XXXX using a non approved substitute trustee and foreclosure attorney XXXX XXXX with The XXXX Law Firm, who dismissed the foreclosure on XXXX XXXX, XXXX, withdrew from the case on XXXX XXXX, XXXX and now bringing back a XXXX Motion To Withdraw their voluntary dismissal. 
I seek your assistance in ending further extortion attempts by Bank of America and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America closed my accounts without my knowledge and has not sent out my money as promised. It has been since XXXX 2014. I had a business account : XXXX XXXX XXXX and a personal account. They owe me {$500.00} of my money which was never returned. I keep getting the run around from this bank. They claimed they sent out cashiers checks on XXXX occasions. It does n't take 6 months to receive a cashiers check. Please help me get my {$500.00} back! It was closed because of XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint to you against Bank of America and you sent me the following response : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. Bank of America has not explained everything or finished their response and you have not sent me an update and I am wandering if you have one especially since your statement says they have provided me with a " partial response ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I got a personal loan out from XXXX XXXX ( now Navient ) around 2006, for XXXX. After receiving my XXXX, I decided I did n't need the other XXXX, so I called them to cancel the other XXXX. I never got anymore checks from them after that. But I am still being charged my full loan for XXXX. After calling them to dispute the XXXX, they said that they sent the money to the school directly, but that is not true, because it was a personal loan, so why would they send it to the school? I have check stubs from the XXXX I received. Proof that i never received the full XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Applied for a consolidation from XXXX Chase using a XXXX appraised property as collateral. 

I felt from the beginning they were doing things to undermine us getting the loan because of our age or ethnicity. 

First they underestimated our income so the debt ratio was over the limit. 

When we brought this to their attention they added the payment of XXXX plus XXXX that the say we are deficient in rental income to the debt again to put us back over the debt ratio. 

The debt we would have after the loan would only be our house note and the loan note that they calculated to be XXXX. 

As you can see we have sufficient income to pay the note based on the their debt calculation whether we collect rent or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I was unable to pay the amount due for my loans I contacted the Student loan company Navient for help. They pushed me to file for forbearance. I was already struggling to make payments and just wanted my payments lowered. after a few years of putting my loand in forbearance I found out about a income driven payments through a friend. After doing research I contacted my loan department and told them I only wanted to apply for the Income driven payments. After telling me I would n't qualify and telling me that I should just reapply for Forbearance I told them no I was applying for income driven payments. I applied and it was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I obtained a Navient ( XXXX XXXX ) Loan for my XXXX Degree from XXXX University, graduation 2010. I have been paying my monthly payment plus extra principal every month without default. I have inquired with Navient on multiple occasions as to why my loan balance does not change as expected with a 6.8 % interest rate. Once I was told after I paid the interest accrual of the loan interest my payment would be applied to principal, but that is not the case. I called another time and was told the interest was compounded daily, not monthly or yearly. I essentially pay 26 % interest on my loan. I have also been told there is no way for me to refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: The CBE Group, Inc.
State: TX
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:
Already paid debt. In fact over billed and paid to company. Requesting refund of money of over amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I previously have had an account with Bank of America and XXXX XXXX they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account and XXXX was a charge off due to a negative balance. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.

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 2017-03-11
Company: Navient Solutions, LLC.
State: MT
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:
I had a consolidation loan in 1997 with XXXX of {$84.00}, XXXX the loan changed to the current navient. In short I have paid a totall amount of {$150000.00}. Of the amount paid {$130000.00} has gone to interest, {$4900.00} has gone to fees and only {$11000.00} has gone to the principle of the loan. My current balance is {$94000.00} which is {$10000.00} more than the original amount. I do n't understand this loan and have always felt I 'm getting ripped off!!! I have an automatic withdrawal every month of {$970.00} and interest rate at 8.750 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO 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 non-monetary relief
Consumer complaint received 2017-01-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage application was mishandled by Wells Fargo Home Mortgage. They took 3 weeks to process ( when they committed to 5 days ) and then denied my application due to " insufficient savings history ''. I tried to provide info to support the savings history but they mishandled it. I opened an investigation with their customer service and they provide incorrect statements in their final report ( flat out lies ) so I am reaching out to you for help. I was able to get a mortgage with another bank but it cost more in fees and interest rate. 
WF is deplorable! I hope you have time to investigate this before XXXX takes away your funding. : (

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 2016-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
the bank wells fargo told me in a recorded conversation according to their policy an account can not be put in the negative to pay the bill pay feature. the bank changed their web site and an unauthorized bill pay for {$140.00} came out of an empty checking account to pay the wells Fargo credit card. 
then the bank charged me {$35.00} overdraft fee and stole a total of {$170.00} dollars from my checking and the funds were never applied to my credit card. 
this is fruad and i am a service connected XXXX and i can not afford to pay wells fargo to steal from my account. I have spent hours and weeks and months trying to fix wells Fargo 's NUMEROUS so called 'mistakes ' and would sue them for sever emotional suffering ut i do not have the money or an attorney and i am XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is my XXXX complaint against Wells Fargo student loans as my XXXX complaint and their response was not sufficient. I am the cosigner and the main borrow is not paying the loan even though ordered in the divorce decree and I sent this paperwork to Wells Fargo. I asked Wells Fargo to send me a monthly bill since I am and have been the only XXXX paying it the entire life of the loan. They sent me their policy stating they are not allowed to send XXXX bills. So I asked to not send the main borrower XXXX just me so I am aware when it is due before it is late with a late fee which is the only time I 'm notified of the bill. So I do n't have a chance to pay it on time at all only aware once it is late and with a late fee. The XXXX late payments on the account in the last 6 months have dropped my credit score almost XXXX points. The rest of the loan in over 3 years never a late payment. I am asking that in goodwill these late payments be removed and this removed from my credit as it is evident I have been trying to be proactive in being notified of this bill to pay it timely, have paid it timely and the associated late fees, and be sent the bill from here on out so they will continue to be paid on time. I have spent countless hours in the last 6 months on the phone with numerous Wells Fargo employees with no resolve. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received an offer from Chase, which owns my mortgage, to apply to a lower rate. I applied and was rejected. The application involved a credit inquiry which lowered my score. Since then I 've continued to receive offers to apply to lower my mortgage regularly. I requested that Chase remove the inquiry that lowered my credit score and stop sending me offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: TransferWise Ltd
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I transfer some money to an account that I have in XXXX, through Transferwise, after I open an account with them, given to them all the information they required, such as : ss # etc.The first ones went smooth, but on the last one, they ask me to provide aditional pieces of Id wich I refuse, all of this after they took the money from my account, I think this is not a correct banking procedure. What should I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Current HE Loan with Chase was coming to term. Property address is XXXX XXXX XXXX XXXX NY XXXX. We began the refinance of the loan if mid XXXX. Chase rep is XXXX XXXX XXXX XXXX XXXX. Chase was given all of the documents requested and that was fulfilled by XXXX. During the month of XXXX XXXX called to state there was a " missing payoff from when the original mortgage was with XXXX Bank which was taken over by XXXX BANK. She has contacted them and they found the loan was satisfied and will expedite the information to them. This will take 7-10 business days. '' She informed us that she is remaining in contact with them. On Wednesday, XXXX XXXX XXXX left a voice mail stating " TD has not sent the information they said they would. The existing balance of {$130000.00} is due from us by Wednesday XXXX XXXX and there is nothing they can do. '' When contacted and told we were never asked to obtain that document and in fact we were told we satisfied the request for all materials, she stated it is not Chase 's job to get the loan satisfaction and they were doing us a favor. 
I called TD Bank today and finally spoke to XXXX XXXX is mortgage servicing. He was extremely helpful. He stated there is no request from anyone at Chase and he even had his supervisors look into it. We placed a conference call to XXXX XXXX at XXXX and she did not pick up. XXXX XXXX left a detailed voice mail and told her to contact him asap and she could email her request since one is on file.

Company response to consumer: Closed
Consumer complaint received 2015-04-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
CHASE XXXX XXXX COMPANY NEVER SENT ME A NEW CARD AND I SEE A MULTIPLE FRAUDULENT CHARGES IN THE ACCOUNT AND THE ACCOUNT HAS BEEN CLOSED ALMOST A YEAR AGO AND THEY SHOWED {$550.00} AS A VALID BALANCE IN THIS ACCOUNT AND THEY USE MY PERSONAL INFORMATION TO REPORT THE NEGATIVE LATE IN THE ACCOUNT TO CREDIT BUREAU AGENCIES, I CONTACTED THEM MULTIPLE TIMES AND THEY DIDI NOT EVEN RESPOND TO MY INQUIRES, NEED YOUR HELP TO REMOVE THIS DEBT OF MY ACCOUNT COMPLETELY BECAUSE I`M NOT RESPONSIBLE FOR ANY OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Nelnet, Inc.
State: TX
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:
I have multiple loans that were reported delinquent by Nelnet, past the 120-day mark, while I was still meeting all enrollment requirements to defer my payments. This has left my credit severely damaged. I have proof from my University that I was enrolled during the alleged delinquency, and have submitted dozens of requests for review of my dispute. Nelnet only accepts disputes via fax, which is an absurd limit on the capabilities of communication for something so serious. It took them months to finally reply, only to reject my dispute with very vague reasoning. 

My credit has been majorly impacted for these delinquencies that should never have been triggered in the first place. These reports need to be removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I keep getting calls from there collection agency threatening to sue me and take me to jail and harassing my family with threats I 'm afraid to go to work and school because they said they will find me there and they have threaten to get me fired the agency Director is rude and threaten to come after my wages and family 's

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I incurred overdraft fees amounting to {$300.00} for XXXX online purchases totaling {$370.00}. The result was an overdraft of {$690.00}. The overdraft fee is 82 % of the total overdraft! I contacted the bank to ask whether the charges could be reversed and they said 'no ' because they had reversed XXXX charges already and I was at the limit for " courtesy reversal. '' I admit that I should not have overdrawn the account. However, considering that the average purchase amount was for XXXX charges was {$27.00}, it seems to me that the bank is gouging their customers. Instead of not permitting the charges to go through, which would ultimately benefit the customer, they allow the charges so that they can collect fees that are in some cases XXXX times the amount of the purchase price. This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father passed away and left me his home. my mother was also on the loan. We were banking with Everhome mortgage, my mother lost her job because of injury and was unable to pay. They were going to do a modification ( supposedly to assist her ) I came forward and paid {$10000.00} towards the mortgage on the same day to assist my mother. They decided that because I put {$10000.00} down that she was no longer in a hardship. 
To top things off they were reporting late payments under my SSN and I have never even signed a mortgage for this home. When I confronted the issue they decided to Transfer the loan XXXX, and sent incomplete paperwork because XXXX is telling me they have no proof that my mom was ever on the loan. And advise us that we may have to go to probate court. The Balance on the account to pay off the home is {$6000.00}. why would I get into a 30 yr refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Nelnet, Inc.
State: MD
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:
Firstmark Services, a division of Nelnet, has an automated calls system set up to notify a borrower when his or her account is delinquent. I paid my account yesterday. I received a receipt via email from them. The money was taken out of my bank account yesterday. Despite all of this, I still received an automated call today. This has now happened to me twice. I called to complain and was told that it had not yet been " noted, '' even though the customer service representative told me that I did not owe anything until XX/XX/XXXX. If they have ( a ) taken money out of my account, ( b ) plus I have received a receipt from them via email of the transaction, and ( c ) then been informed by a customer service representative that my account is up-to-date and I owe nothing until the next month, why am I still being harassed by automated calls? This is an embarrassment - it makes me feel that even if I do pay, I am still delinquent. Furthermore, they should NOT be allowed to call you over and over again in this manner, especially if your account has been paid.

Company response to consumer: Closed with explanation