BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX XXXX XXXX : XXXX College XXXX -- XX/XX/XXXX GraduateMy private student loans are being handled by Navient. I owe XXXX figures in student loans after spending XXXX years at XXXX College XXXX. I have not been able to afford my loan payments since losing my full time job in XX/XX/XXXX. Before that, while making payments and trying to catch up on missed payments Navient would call myself, my Mother and Father starting at XXXX sometimes more than XXXX times throughout the day. This went on for months. Even once having caught up to my loan payments and missed payments, they would still continue to call us daily to " remind '' us of the approaching due dates. 

Now, fast forward a few months ... they only call XXXX times a day, even though my work situation has not changed and I have informed them of this multiple times. I can not afford my student loan payments working a part time job and still continue to pay household bills. 

Today, Navient began calling family members and friends of mine I had n't seen in years telling them they had a " job opportunity '' for me and to get in touch with me to contact them. This seems absolutely ridiculous to me that they 're reaching out to people I rarely even talk to and bold face lying to them. If this is n't harassment, I do n't know what it is. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was contacted by XXXX XXXX XXXX XXXX more then 5 times a day. Finally when I was able to answer from getting home from my XXXX job, the employee told me that if I didnt pay my bill that I should get my suit pressed and prepare for my day in court. That it would be a long time before I was able to live a normal life because in their words " dead beats are dead beats '' It was a horrible call and my XXXX children heard this as it was on speaker phone while i was making them dinner. They cursed at me and told me I was a loser. Please help me and prevent them from doing this to other hardworking people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have tried to work since XX/XX/XXXX to get this account paid and settled. I have disputed this account numerous times with the credit bureau, i have sent letters directly to SYNCHRONY BANK ( Walmart and Belk ). I got an alert today that says they have just reported an over limit fee. If the account was charged off last year, Why am I still incurring fees? I even called today XXXX/XXXX/XXXX and spoke to a representative who was no help at all, she just proceeded to tell me the account was somewhere else and they legally do n't have any information on the account. If they legally do n't have the account anymore, how are they still reporting a balance? I do n't know what to do so I am asking for help in this matter to get someone to work with me and get some help. I have consulted with legal counsel and see what can be done about them reporting inaccurate information.

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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was contacted by telephone XXXX XXXX, 2014 to setup a home business with a website to get income from click referrals to the XXXX site. The next day they called and I charged {$10000.00} on my credit cards to them for the following services : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. The charge appeared on my credit cards from XXXX XXXX XXXX, XXXX. Which they said was their financial arm of their company. They then referred me to another company, XXXX XXXX, to get business credit. I had to pay XXXX {$2200.00} for the credit. Therefore XXXX did not provide the business credit the promised. On XXXX XXXX, XXXX I was contacted by them again saying there was a mistake in the charges and they would give me {$500.00} off if I helped them correct it. They wanted me to charge {$9500.00} to XXXX where it should be and tell my credit card company that XXXX XXXX XXXX did not provide any services did not provide any services so the charge would be reversed. I did this and they fought it with the credit card companies in order to get double payment. I was finally successful in getting the original charge reversed. XXXX XXXX XXXX XXXX has {$9500.00} of my money and I did not receive any services for the money. I have contacted credit card companies to remedy the dispute. They simply refuse to even allow me the opportunity to dispute. These companies drag you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. Please ensure that they open an investigation and remedy this situation. There should be an exception made for me as it is fraudulent in nature. I am already in connection with the Attorney General 's office, and they are assisting me on their end. Please help me advise the credit card company that for this purpose allow they should open the investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 3 calls to my cell phone on XXXX/XXXX/2016 and 2 more today XXXX/XXXX/2016 from Pioneer Credit. There have also been calls to my sister 's cell phone, my parents ' home and other calls to cousins, aunts, in-laws, etc. I am not the holder of this debt, but Pioneer Credit continues to call in an attempt to find the debt holder. I told the caller to stop harassing my family. Hopefully it will stop as the FDCPA only allows them one communication per person ( which they have already exceeded to many of the above mentioned persons ) and they must stop if told to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted my present mortgage lender, Bank of America, to attempt to get my loan refinanced for a lower interest rate ( instead of my 6.5 % ). I spoke with a representative by the name of XXXX XXXX XXXX # XXXX XXXX. She advised me that Bank of America no longer does loans on anything with a VIN number. I have a mobile home that is on a fixed foundation with brick underpinning. The county tax assessor 's office classifies the property as Real property ( not personal ). The original underwriting attaches a lien to the land with the mobile home attached. In other words, the mobile home ca n't go anywhere. The fact that I have a current, good-standing mortgage with Bank of America, should entitle me to the same right I was afforded when they purchased by original loan -- the option to refinance at rates that are reflective of individuals with my payment history, credit score, and real value of the property.

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 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2022 I requested that XXXX savings accounts I opened for my children be closed due to the fact that they were being repeatedly subjected to XXXX XXXX monthly service charges for low balances. On that call, after the agent reversed the fees, I transferred out all balances showing on the screen and asked the agent to close the account. The agent noted that there was {$.00} remaining on XXXX account ( likely due to interest that had accrued but not yet posted ). The agent moved the XXXX XXXX into my checking account, thereby creating a negative one-cent balance in the account, and keeping the account open against my wishes. 

The negative balance ( which I did not ask the agent to create, and which kept the account open unbeknownst to me ), was then offset by {$.00} in interest. At this point, there was a XXXX balance in the account ( that I didn't want open anyway ). However, simultaneously to the interest posting, BofA charged yet another {$8.00} fine even AFTER I had requested the account be closed. 

Upon calling to request a refund, the bank left me on hold for over 30 minutes while trying to reach a supervisor to address this. The bank refunded the fees, however, this was due only to me having the time and patience to call the bank and force them to address the problem.

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 2017-03-01
Company: Navient Solutions, LLC.
State: VA
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 have 4 Stafford loans that have been eligible for loan forgiveness for the last 12 months, but Navient never contacted me to indicate that I may be eligible. I, therefore, paid about {$3500.00} in student loans that could have been forgiven a year ago because I am a nurse and have worked in a XXXX hospital for the last 36+ months ( now 48 months ). It seemed as though Navient did not want me to learn this information. There were 4 steps to get to the link with the Care for XXXX Nursing Loan Program information on it. Also, unless a client were struggling to pay student loans, I do n't think that they would typically go looking for loan forgiveness programs, such was the case for myself. I feel as though Navient should reach out to its clients who qualify or may qualify for these programs to let them know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a care credit card for dental service in XXXX. I signed up on XXXX/XXXX/XXXX for a total payment {$1700.00} an agreement to pay {$160.00} for 12 months ( no interest within the Promotion Period ) .with G.E. Capital. It is auto-pay from my Bank checking account. Everything was all set. I did received G. E. Capital 's payment confirmation regarding the transaction was done. Until last month I found out one transaction was n't recognized. it charged me monthly {$57.00} from Synchrony Bank. ( they take over G.E. Capital ). so they did keeping on charging me monthly since XXXX for 4 years. It is over {$2500.00}. when I stop payment on XXXX XXXX. They delinquent my account and place a collection agent. now they demand {$3000.00}. to settlement. I thought it is scam. It 's unfair. Please help me. 
XXXX ( XXXX ) XXXX or 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 monetary relief
Consumer complaint received 2016-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
Bank of America misled us into believing we were paying off our credit-card balance, when we set up our recurring payments through direct-bank payments. Their recurring-payment screen that sets up these payments has XXXX options : " minimum amount due, '' " amount due as shown on the e-Bill, '' and " statement balance as shown on the e-Bill. '' We selected " amount due '' thinking this would pay the amount that we owe. Instead, they informed us that " amount due '' means " minimum amount due '' with the addition of past charges. This is not stated in their recurring payment screen nor in the e-Bill. The e-Bill merely states the accrued charges ( I tried to attach it and the recurring payment screen to this comment box, but they have too many special characters ). Bank of America arbitrarily chose a definition that would allow them to deceptively charge interest. After setting up recurring payments, they only deducted the minimum amount due. Through this deception, Bank of America charged us {$100.00} in interest ( {$38.00} for XXXX XXXX to XXXX XXXX, 2016 and {$61.00} for XXXX XXXX to XXXX XXXX, 2016 ).

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 2017-04-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Navient is a criminal organization, they practically force you to make a payment VIA routing and account number. In order to pay by debit card you have to request a call back. They do not allow credit card payments what so ever. Navient was just recently sued for unethical practices like this. 

What is criminal is that they will not provide an amoritization schedule so I can plan to make more efficient payments on my loans. Theu rrfuse to provide this report because of special circumstances which they can not even explain. Navient does not want students to pay off their loan balances. Naveint expects students like me to pay interest until the day I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeated called by XXXX XXXX after changing my number two times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our company XXXX, XXXX doing business as XXXX completely reinstated Bank of America Loan # XXXX on XXXX XXXX, 2015. Two months and XXXX days later on XXXX XXXX, 2015 Bank of America racked up {$990.00} in foreclosure attorney fees which they are now trying to charge us for. Why on earth would Bank of America hire a foreclosure attorney right after we completely reinstated the loan? We have yet to resolve this issue because Bank of America refuses to waive the {$990.00} fees and will not tell us why they wo n't other than " internal policies ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
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 never worked with me on a realistic repayment plan. They 've only ever accepted a $ XXXX- $ XXXX/mo repayment which would Have put us over XXXX % of income going to student loans. They would not do a payment plan when we were both unemployed with proof of unemployment. We 've since increased our income but they will not work with us on a realistic plan to get caught up. The offered me to pay in full {$12000.00} when we barely have {$500.00}! I call every few months to see if I 'll get lucky speaking to someone that can help. It I 've now gone almost 2 years with no payments being made. 

I did make payments on time for several years in a row and my balance increased. Such a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Navient Solutions, LLC.
State: FL
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 applied to have my student loans taken out off default and most of them were rehabilitated. However, {$6000.00} worth were not. I call navient on many occasions looking to resolve the issue but it never happened, and I continuously received misleading and confusing information. Now I am unable to have access to my transcripts due to a hold and just received a letter requesting full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
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 got a loan from XXXX XXXX about 12 yrs ago to attend XXXX college, XXXX, Tx for {$15000.00} with a " variable '' interest rate that always stayed around 14.5-15 %. I did not have to make payments while in school but they fail to tell you that they 're charging you interest. Because of not being able to make payment from not having a job my loan reached nearly {$25000.00}. Once I did get a job and started making payments they do not tell you that the monthly payment that they set is a " minimum '' payment which was n't even close the covering the interest of the loan much less any principal ( never gon na pay it off if continued paying minimum paymeny ) One I realized that was happening I started paying extra but was not seeing a drop in my principal amount it was all going to interest. Currently I am paying anywhere from $ XXXX/mon and have started seeing my principle go down but instead of that extra money going to principal they just push the due date for my next payment out further and further the more I pay. I currently still owe appx {$18000.00} and an interest rate that has been 9.25 % for several years that has been raised to 9.75 % without my knowledge. Just noticed the interest rate change XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On   XXXX   XXXX   XXXX   XXXX  , notification  ( via email on the loan servicing site ) was received that a private student loan serviced by Discover would be increasing in interest rate from 3.25 % to 3.5 %. When logging in on  XXXX / XXXX / XXXX  to make the required monthly minimum payment of {$230.00}, the minimum payment shown was instead {$370.00}. Called Discover, they explained that the 63 % increase in minimum payment on a loan with a {$3600.00} balance was due to the increase in interest rate. When challenged, I was put on hold and they came back to state the following : we noticed you were making extra payments on the loan, so we changed the terms of the loan. You now only hav e 10 m ore monthly payments to make. This increased your required monthly payment to   XXXX   XXXX  /month.     Is it legal to change the terms of a loan without notification and agreement from the customer? Making extra payments does not imply consent to decrease the loan term. It also does not imply that I will always have extra money to put toward the loan each month and am agreeable to these new terms. Telling a customer the increase is due to a 0.25 % increase in interest rate on a loan with a {$3600.00} balance and 8 years left in the term is not truthful or logical. When the interest rate went from 3 % to 3.25 % in    XXXX   XXXX   XXXX  ,  and the balance on that loan was {$9600.00}, the monthly payment increased by {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
cra and hiippa violation sent police report please remove hippa and cra violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have what seems to be a unique situation. Due to a serious medical issue we got behind on our mortgage and exhausted much of our savings. My husband and I are over XXXX. I am XXXX and he is XXXX. We decided to pursue a reverse mortgage and were approved ; however, the reverse mortgage is less than the principle balance, accrued interest, penalties and fees. We have asked Bank of America to accept the reverse mortgage and we can bring approximately {$10000.00} cash to closing to cover the principle. We provided all of the HAMP documentation to their liking and they are telling us that they can not take a settlement. They also tell us that if we were asking for a short sale they would be able to do this. This does not make sense because if they foreclose and do a short sale they will get less than if they accept our proposal. Is there anything you can do to help us? We have until XXXX to get this closed otherwise the reverse mortgage will expire and with the new rules the XXXX, XXXX, has told us that we will not qualify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Account showing from Bank of America which does not exist and they are reporting {$420.00} Charge off to XXXX Originated in 2007.

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