BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Good morning, I applied for and received a total XXXX discharge for student loans. Basically, some medical conditions got worse instead of better. NAVIENT called ( several times daily ) and said I have XXXX ' signature loans not covered by the discharge. Together the XXXX ' loans total nearly {$14000.00}. I 'm lucky to have {$14.00} much less the larger total. There are MANY problems that make me doubt these loans even exist. 
THEY ARE : -- The Navient website strongly seems designed to confuse the user ( student? ). It is not at all clear what is owed, or not. 
-- Both loans indicate consignors. One of the cosigners listed is a person about XXXX and has XXXX. 
-- I answered the phone twice from Navient ; they call 2 to 3 times a day at least. They act as if they do not hear people, and keep pressing for full payment ( s ), on loans that may not exist. 
-- They mention or skim over loan assistance, but never go into detail. Navient describes how XXXX does not affect these loan types. By seen evidence, it at least can have an effect. 
-- XXXX of the loans is structured so the interest now nearly totals the principal. I am not sure I an legally prove I would never want a loan where the interest rate would make the XXXX proud, but there is 'no way ' I ever approved this. 
-- I asked for written documentation, which Navient said they would send me ; I have not received this information. ALSO any electronic signatures should have a physical signature 'backing ' it, from some point in the process. I need to see that physical signature to believe ( at least ) I am not being scammed. SINCE : It is hard to think someone may have taken my identity to get money, but these loans do not vaguely match anything I would ever do. And I do not recall them at all. 
-- SO ; even assuming these loans are real, and that is not validated, I hope to get some assistance. I want to get proof of these loans ; that includes physical signatures I have made per these loans. 
-- If I had money to give these guys, I might do it just to get rid of them, but I do n't. I could maybe come up with {$100.00} a month which would also mean eliminating a supplement insurance policy. Which would also mean skipping XXXX, so not the favorite of plans, Please assist me with this issue. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan was transferred in XX/XX/2020 from XXXX XXXX to Gregory Funding. 
However, around the same time, I did a refinance. My property taxes was paid by the refinance company and Gregory Funding in XX/XX/2020. 

After several calls to XXXX County Tax Revenue department a supervisor by the name of XXXX informed me that the money in the amount of {$5800.00} was sent back to Gregory Funding since my account was already paid by XXXX XXXX XXXX. He further stated that Gregory Funding must reclaim their own funds. 

As of today, I have not received my escrow balance in the the amount of {$5800.00} from Gregory Funding. It is very difficult to communicate with them and I keep getting the same people and being told that the research department is working on it. 

I spoke to a supervisor by the name of XXXX XXXX a couple of times about the matter. The last time I spoke to him was on XXXX. He told me that the research department spoke with someone at the XXXX County Tax office and I should receive the refund soon. I called again on XXXX and was told that I was not going to receive the refund. I was connected to XXXX XXXX voice mail and Ieft a message again for him to call me but he never called me back. 

I would like a resolution to this matter by Gregory Funding refunding my {$5800.00} that is due to me from my escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Sullivan & Terranova
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Sullivan & Terranova and XXXX are continuing to threaten to garnish my accounts on a fraudulent Judgement. 
I received a letter in XX/XX/XXXX from Sullivan & Terranova demanding payment on a Judgement that I did n't even know existed, I had no knowledge of this Judgment, and XXXX with Sullivan & Terranova was the one to send me the letter. I contacted XXXX to find out more information ; it was then that he informed me that there was a judgment against me in California in XXXX. I explained to him this was the first time I was informed and asked who the company was that was claiming this debt against me, I explained to XXXX that I never had knowledge of this claim since it was never on my credit report nor had I received any letters to give me an opportunity to dispute the debt as I learned after calling and speaking with XXXX bank to get more information, It was then that I learned that this credit card debt they were claiming I owed was in fact a fraudulent account and this was not my debt. XXXX Bank told me they had no records nor any contracts for this claimed debt signed by me, XXXX bank informed me they sold the fraudulent account to XXXX. 
Sullivan & Terranova continues to ignore that fact that, this is a fraudulent claim and continues to threaten Garnishments and demanding payment. 
Recap, a fraudulent credit card debt placed for a judgement in XX/XX/XXXX, I was NEVER notified to be given the chance to dispute, account was never opened or signed any contracts by me. 
Sullivan & Terranova ignore this and continue to threaten garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX of 2010, I received a Discharge of my Ch. XXXX bankruptcy debts. During the time leading up to, during, and in the 7 years since the Discharge I have been consistently current on my payments to my mortgage lender, Bank of America and have rebuilt my credit score to XXXX. I applied to Bank of America to refinance my existing loan, ( NO debt consolidation nor cash out involved ). Two days before my lock-in/application were due to expire, I was advised that without a Reaffirmation Agreement, Bank of America would not proceed with processing my loan and that my application would expire in 48 hours. All other conditions apparently were satisfied. 
I had offered to complete and execute a Reaffirmation Agreement using the form I obtained from the U.S. Bankruptcy Court on-line. ( I understood that the Lender is required to send the Reaffirmation Agreement to the Borrower ; Bank of America has refused to do so. ) I also understand that a Reaffirmation Agreement is not an absolute requirement, and that many lenders make loans without one. 
The bank 's position on this matter defies logic. The refinanced loan would be " clean '', replacing the one that is in their " Bankruptcy Department 's '' books.. Why would a Reaffirmation Agreement be required for a loan which would only be outstanding for a few days?

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 2016-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Back in 2013 I was given a USPS money order from an individual and it turned out to be a fake money order. Not knowing that I deposited the money order in my account and it was returned due to it being a fake. I reported the incident to the Postal Service and they told me they would look in it. Meanwhile Bank Of America which was my Bank at the time quickly closed my account and reported my name to XXXX without ever contacting me or anything. This is all for {$11.00} which was paid back in XXXX of XXXX. It clearly shows account paid in full on my XXXX profile and yet Bank Of America refuses to remove the information and I can not open any account at any Bank with this information on my profile. This is totally unfair. I was a victim of fraud and non of this was my fault. B Of A never bothered to help me in this case and they blamed me for it and closed all doors on me. I just want my name removed from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Due to an error in paperwork with my city of residence, Bank of America was served a legal notice to have nearly {$120.00} dollars debited from my account, which it followed through on. Bank of America then charged an additional {$120.00} non-refundable fee. Even though this transaction was the result of an error, it is not the city 's responsibility to refund the {$120.00} fee that Bank of America received -- an exorbitant amount that the city will not agree to, as it is more than the amount they originally sought. Bank of America representatives reminded me that the {$120.00} is non-refundable because of the amount of work it takes to process anything legal, but the fee is excessively high and I am left paying for the city 's error and Bank of America 's avariciousness.

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 2015-05-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of XXXX XXXX ( XXXX ) by third party collections is prohibited. I have sent this documentation and a request for removal per this ruling to Midland Credit Management. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Cash advance

Complaint:
American Express is falsely reporting inaccurate interest calculations and an Inaccurate Average Daily Balance based on Transactions in the period between XXXX XXXX, 2016 - XXXX XXXX, 2016. Please see supporting attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a small loan with Bank of America. I have just moved, which they know, and in the confusion of the move and getting settled I missed XXXX payments. B of A, without any authorization, removed monies first from an old bank account ( {$130.00} ) that had not been active in 6 months and when that was rejected they, went to my new local bank account and charged that for {$250.00}. I have since closed these accounts and will going, forward only pay B of A in cash. I called your office and was advised that B of A 's actions were not legal. Hence I am filing this claim asking that B of A be stopped from doing actions like this in the future. To add insult to injury B of A they have charged me a {$27.00} " check returned fee ''. They return of these fees is the only compensation I am looking for. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Navient Solutions, LLC.
State: MD
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:
Navient automatically deducted {$230.00} from my Grandmother 's bank account on XXXX/XXXX/2015. My Grandmother never received a bill or notice that this deduction was to take place and neither did I. Her card was set up for automatic debit only for the approved $ XXXX/month. She called to have her card removed and the charge refunded and they refused. My expected monthly payment is {$390.00} on just over {$20000.00} in loans with Navient. Meanwhile, I have $ XXXX/mo due from other lenders ( XXXX XXXX, XXXX ). I do not think its fair to be expected to pay {$850.00} a month in student loans. You would have to Net over 60K in order to afford payments like that. I make $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a private loan through Sallie Mae, now XXXX. I acquired the loan for my semester starting XX/XX/2010. They lied, from the very beginning and being a young and impressionable kid, I did n't know any better. They told me my variable loan would n't go above 6.9 % interest when i signed, it is now at 10.25 %. ( I now understand the difference between fixed and variable ) I tried to get my co-signer released multiple times, and was told at least 2 of those times they " had n't received my fax in regards to my income/XXXX etc. when i had the fax confirmation etc. ) Just overall constant run arounds with their services. I called 2 years ago asking for an income based repayment plan or interest rate reduction because it was at 9 % then and got bounced around multiple times, was told to call back in 2 weeks so they could " get things in order, in regards to my finances etc. '' I called back in 2 weeks, that person, XXXX i think? switched departments, I then had to go over my whole situation again, although I only got halfway through when the customer service agent cut me off mid sentence saying " Well your mother is a co-signer, you should just let her pay. '' I was never so irate or upset, and had n't called back for a year after. Tried to get her released again a year later, submitted XXXX 's etc., got the fax confirmation, I know it was the right number, etc. and they still tried to give me the line " they had n't received it ''. I 've been waiting for a lawsuit with this loan service and my prayers have hopefully been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Navient Solutions, LLC.
State: AZ
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 paid off my loan with a bank issued check on XX/XX/XXXX. Navient cashed the check on that date ( email from bank attached ). The payment never posted to my account, so I called Navient on XX/XX/XXXX, and was told to be patient, that it sometimes takes some time for it to show on my account. 

I called again today on XX/XX/XXXX and spoke to XXXX, who told me that he could n't locate the payment, and that " it might eventually get refunded to me if they ca n't find a home for the money. '' I wrote my ssn on the check, along with account number, more than enough information to locate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America, through their XXXX XXXX XXXX XXXX XXXX ( XXXX ), has or will cause to be recorded a Trustee 's Deed upon the sale of their XXXX interest held by the XXXX Deed of Trust to a third party. 

As dual tracking is prohibited, Bank of America and XXXX have no authority to record the Trustee 's Deed based on the unlawful recording of the Notice of Default ( NOD ) and the subsequent Notice of Trustee Sale ( NTS ). 

This property has been held by me under a claim of adverse possession upon meeting all requirements of law. Therefore, my property and home are not subject to foreclosure or Trustee Sale and no NOD or Trustee 's Deed should have been reorded. 

It should be noted Bank of America has made no default claim on the XXXX Modified Deed of Trust to date. 

On XXXX XXXX, XXXX the agent of the XXXX ( XXXX ) came out to my home and could see the published and posted Notice of Ownership through Adverse Possession which establishes the fact the XXXX may no longer claim lack of knowledge of my ownership of the property through adverse possession. Although not required, the Adverse Possession Declaration is still posted on the property to date and will remain until a court order is issued to remove the notice from my property. Additionally, upon being told they would have to put me out of my home, the XXXX agent replied, " We 're not trying to put you out. '' An indication there are no plans or intention to reside upon the property. 

All previously mentioned resolutions are desired and mandatory to include all fees and charges included under the XXXX Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Modified Deed of Trust including, but not limited to the charges related to the XXXX XXXX Deed of Trust.

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 2017-01-20
Company: Navient Solutions, LLC.
State: AZ
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:
I claimed bankruptcy and did n't pay the loan for a year. The loan was consolidated twice and paying since XXXX. I pay every month {$300.00}. ( washich is can How can I still owe {$39000.00} and still have 135 months to pay. It is supposed to be a 20 year loan. 
This makes no sense. 
Why is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have a home equity line of credit with XXXX XXXX in the amount of {$100000.00}. I am using this line of credit to pay for home improvements. XXXX XXXX would not increase the amount of credit which is insufficient to my needs, so I applied for a larger line of credit with Bank of. After I had applied, BofA, without my authorization, sent a notice to XXXX XXXX that they intended to pay off my XXXX XXXX XXXX ( balance is around {$9000.00} ) with my BofA loan. As a result of that notice, XXXX XXXX froze my line of credit which makes me unable to pay for the renovations that are ongoing. I owe contractors thousands of dollars in the coming days. To unfreeze my loan, XXXX XXXX requires that BofA send in writing a notice that they are rescinding or voiding the payoff notice. BofA refuses to send this notice. As a result, I no longer have access to funds under the terms and conditions of my XXXX XXXX loan which I have fully abided by. BofA should not have sent, and XXXX XXXX should not have acted upon the payoff/freeze request without my authorization. 
Please help me resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: VA
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:
My loan servicer, Navient, has been placing my loans in deferment for the past 2-3 years without my consent and reporting to the credit bureaus that my loan payments are past due. If Navient is deferring them, how are they past due? It is damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am a member of Alaska airline 's mileage plan member and I had the Bank of XXXX credit cards. Recently XXXX audited my mileage plan account, restricted access to my account & threatens to cancel my existing flight reservation if I do n't pay in cash for the flight I already booked with my miles. I had miles in my account for over XXXX years but XXXX audited my account only after I booked flight using my miles that I earned. 
XXXX says the reason for their action is because I violated the XXXX airline card terms and conditions and for not paying the card 's annual fee and for closing the credit card. 

First, I have never violated the credit card or the XXXX mileage plan terms. 

I applied for XXXX XXXX cards in XX/XX/XXXX and kept XXXX for almost XXXX yrs and I converted the other XXXX to a different BOA credit card as allowed by card terms and conditions. I opened XXXX XXXX cards in XX/XX/XXXX & closed them almost XXXX months later. Bank of America credit card agent waived the annual fees on these XXXX cards and I closed them almost XXXX days later. All credit card issuers allow you to cancel a card and not have to pay annual fee if closed within XXXX days. 
I have not violated any of the credit card terms and conditions. 
I saw an ad for the Bank of America credit card. I signed up for the credit card relying on the ad. I was approved for the credit card. I was awarded miles for signing up for that credit card & for using the cards. I thereafter closed XXXX of them consistent with the XXXX of those cards. After earning the miles from an agreement with BOA, an agreement by which I abided, XXXX decided to revoke, rescind, and remove miles I earned vis-a-vis an agreement which I did not breach, yet XXXX appears to be saying I did. I did not violate any agreement with XXXX. In fact no where in the credit card agreement and terms says my miles will be removed or my flights booked with the miles will be canceled if I close the card. I did n't sell my miles to others and I did n't book awards for others. XXXX argument is based on " they 're our miles, we can do what we want, whenever we want, to whomever we want, for no reason whatsoever, even if the member abided by the terms of the agreement. 

I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
While reviewing my XXXX credit report ( XXXX/XXXX/2015 ), and, XXXX ( XXXX/XXXX/2015 ), I noticed that an unauthorized and fraudulent inquiries were conducted on my personal file by AMERICAN EXPRESS employees. I did not authorize this inquiries at any time relevant period. This inquiries were as a direct result of ID THEFT, thus, were fraudulent and without my permission and/or consent. American EXPRESS must know that such conducts by it`s employees were in clear violation of my Privacy Right and FCRA.This has continued to adversely affect me obtaining credit ; housing and meaningful employment.

Company response to consumer: Closed with explanation