BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had this loan since XXXX of 2008. Which I had gotten through XXXX XXXX, consequently Navient bought the loan. I 've just discovered that I am being charged an interest rate of 35 %. My loan documents show I should be charged an interest rate of 11 %. If I had not been loan sharked this loan would have been paid off years ago. The initial loan was for {$3500.00} plus interest. 
I am also not getting correspondence from the company but they are harassing my co-signer with letters and phone calls monthly. He has to email me the letter they keep sending him. I 've enclosed a copy. I do not live with him and do not know why they included my name under his address. 
I have provided a copy of my profile on their website proving they have my current mailing address and phone number. I will be sending a copy of this complaint along with all other documents included to Navient as well. 
With all of the extra money being taken towards undue interest this loan would have been paid off and done with. I believe Navient owes me a sum of money from interest that was not due to them or the loan being considered paid in full. At the very least they should recalculate the loan at the proper interest rate and provide updated loan information as well as remove the co-signer and stop harassing him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To whom this may concern, I would like to raise the issue with respect to wells fargo 's online banking systems and its transaction hold times. I have a suspicion that wells fargo engages in illegal authorization of charges, but not in the order the consumer would have made those charges. And that their online banking systems does not include the most recent Transaction history. In all cases Wells Fargo has blamed the " Merchant ''. I am finding that charges made using my ELECTRONIC debit card are not posting to my account for almost 3 business days. For example, If I have an available balance of {$100.00} on Friday and swipe my electronic debit card at XXXX for {$10.00}, when I log onto my online banking site ( SAME DAY ) I should have a current balance of {$100.00} and an available balance of {$90.00} as the {$10.00} transaction from XXXX would still have been pending until the next banking update, which usually takes place the next business day. In the past with not only wells Fargo, but other banking institutions that I bank with, That " XXXX charge could pend for up to 5 days, but most cases it only takes Maximum 2 days. Not with Wells Fargo. When logging on to the online banking site, Their is NO record of my transaction to XXXX, and the charge was not taken from my current balance, thus not allowing my true balance to be reflected. On the following Monday, after I may have spent what my " online baking '' said I had available to me, from over the weekend I will see that SAME XXXX charge of {$10.00} from Friday show up under the pending transactions and then the bank claimed they paid it and now I am hit with an overdraft fee. This is not legal banking. This can not be legal representation of a consumers accurate account balance. I have trouble believing that the merchant would not even present payment on an account for 3-10 business days after the initial authorization of verifying funds in the account for. These Suspicious and illegal banking practices of random account debits and authorizations, have caused me many fees and Wells Fargo does not seem to take any responsibility for charges they post to a consumers account many days after the initial charge was made. This is n't a check that myself or consumers are using. Its an electronic banking card and the expectation is that it would reflect the most recent account transactions. Even a check deposited posts before some charges that I have made with my electronic debit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card
Issue: Other

Complaint:
I have a checking, savings and credit card account with Navy Federal Credit Union. I failed to make a payment on my credit card and the credit union has locked me out of my account. I am not able to access my checking and savings account. From my understanding, Navy Federal is not permitted to participate in these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had submitted a payment on XX/XX/XXXX for XX/XX/XXXX mortgage payment to Wells Fargo branch, which then cleared my XXXX XXXX XXXX account on XX/XX/XXXX. I clearly stated in the memo field for XX/XX/XXXX payment. I happen to check my account XX/XX/XXXX to ensure that Wells Fargo applied the payment to XX/XX/XXXX mortgage, but sure enough it was not applied. In fact, it was showing my account is delinquent and there are late fees accrued. I called Wells Fargo customer service in XX/XX/XXXX and XX/XX/XXXX to notify for this issue and late fees and to this date there has been no correction made to the account. 
The other issue is how my previous mortgage payments have been applied to the account, which should be reducing the principal balance gradually and it is not reflecting that. 
I have been very unhappy with their service, diligence to get the issues to get them resolved. I 've made my mortgage on time ever since I 've had my loan with them in spite of my income reduction and they have been absolutely frustrating to deal with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2016 my checking account at Bank of America had a positive balance of {$1100.00}. During the day XXXX electronic debits were presented for payment. They were in the following amounts : {$1400.00} {$33.00} {$6.00} {$.00} Rather than post the XXXX smaller amounts to my account first, which would have been covered by the positive balance, Bank of America, in an effort to create Overdraft Fee Income, posted the largest item first, thereby creating an overdraft balance, them posted the remaining XXXX items. 
The result was the charging of XXXX overdraft fees of {$35.00} each rather than XXXX. 
On XX/XX/2016 another electronic debit for {$7.00} was posted and another {$35.00} overdraft fee was accessed. 

This is an egregious process. To begin with, why did they post the largest item first? Next, its unconscionable to charge {$35.00} for a sub {$10.00} electronic debit. There is no credit risk since they paid the large item and only created {$330.00} overdraft. I have been a customer of the bank for over 10 years. 
Had they returned the item, I would have only been accessed {$35.00} instead of {$170.00}!

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 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2017-03-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I had a mortgage through Chase Bank. I sold the house in XX/XX/XXXX through a title company and realtor. Chase did not apply the funds to the account appropriately, so the account remained active and open. I realized this in XX/XX/XXXX. After a large number of attempts to resolve the issue via phone, fax, email, in person, attorney, etc., the account was finally closed in XX/XX/XXXX ; however, Chase damaged my credit score throughout the 16 month process since they showed the home in foreclosure. They closed the account without me making another payment on the house since XX/XX/XXXX. Chase owes me money out of the escrow account, an apology, and a repaired credit score as I am being turned down for credit I would otherwise get if they had carried out their fiduciary responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion received a letter from me on XXXX on what methods they take to verify the bankruptcy on my credit report. They responded with a letter stating that they verified the bankruptcy through the bankruptcy court directly. I also went to the bankruptcy courthouse that the credit bureau said they got the information from and asked the clerk if the courthouse gives TransUnion information on bankruptcies and the clerk gave me a letter stating that the court does not give out public record information or bankruptcy information to credit bureaus. 

After receiving this information I sent another letter to TransUnion showing them that the courthouse does not give out information about bankruptcy to any credit bureaus so the court can not verify it. I also sent them a copy of another credit bureau called XXXX deleting the bankruptcy off my report because they could not verify the information giving more proof on why they should delete it as well. After receiving my letter on XXXX where I give TransUnion proof of how this bankruptcy is unverifiable they refuse to delete the bankruptcy. Having this bankruptcy on my credit report is causing me to get denied for credit to purchase a car that I need to have transportation to my place of work. My application for a mortgage was denied because of the bankruptcy. I need to get mortgage approved so me and my family will have a place to live The bankruptcy needs to be deleted from my credit report ; it can not be verified by a legit source.

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 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I had a World Points MasterCard from Bank of America with a 9.99 % interest rate. At some point in time several years ago they sent a letter stating that any future purchases would be subject to a hire rate. I do n't recall the increase, but it was significant so I decided not to charge anything anymore. I had gone through a divorce and lost my job so the balance on the card was very high. It has taken me 4-5 years to pay off that balance, but my next payment will XXXX it out ( the balance due is less than {$4.00} ). About that time, 4-5 years ago, I noticed while reviewing my online statement that they listed the name, address and social security number of a man in a nearby town with the same name as me. When I called to notify them, they were horrible saying that the man with the other name must be name. I asked them if his address and social security matched what they had on file for me and they said no. I asked them who was able to see my SSN because of their carelessness. My online access to the account was immediately terminated. Fast forward to yesterday and I wanted to log back in to see how many points I had. I reached out to them and they told me I had no online banking and could n't access my statements. I told them I wanted to see my statements online and they told me I was getting paper statements and that was good enough. They also told me that they were denying me online access because my log in information was not linked to anything. I asked them if I had a balance due and they told me what it was. So I stated that I was linked to " something '' for them to be able to get that information. I asked them how many points I had and they told me I forfeited the points when the account was closed. I never closed the account, have been getting monthly statements and making payments above the minimum due for several years - so I did n't know they closed my account. The point to this is that I have accumulated a LOT of reward points that I want. They closed my account and took my points away from me without notifying me. Are they allowed to just close your account and take your points away? I want my points back as I have made every payment on time for the past 4-5 years. Bank of America really does not care about the average person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2010 we filed an official application for HAMP with Bank Of America and provided some XXXX pages of documents with the application.For an entire year, even though they confirmed receiving the documents each time, they continually lost our file. And they continually gave us false information about the HAMP Program.Then they sent us to another dept. and did a HARP refi and told us it was a prerequisite to HAMP-the refi cost us {$8000.00} in closing costs and did not lower our payment enough to stay in the home and we defaulted.When we reapplied for HAMP they told us the HARP refi made us ineligible for any further modification with HAMP-the opposite of what Bank Of America told us.Now we are facing foreclosure and have no modification programs available to us because Bank Of America cheated us out of getting in the HAMP Program and sold us the worthless expensive HARP.

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 2016-10-17
Company: Main Street Personal Finance
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I owe XXXX to a payday company and the debt collector told XXXX of my family members that I owed money and that they would sue me for XXXX if I did n't get in touch with them.

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 2017-02-21
Company: Navient Solutions, LLC.
State: GA
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:
Submitted application for income-based repayment and was approved in XX/XX/XXXX. Payments were listed at {$61.00} per month. When I re-applied for XX/XX/XXXX, Navient miraculously discovered an error in their prior agreement and now claims my payment should 've been more expensive and is now charging me {$100.00} for the final 2 months of my XX/XX/XXXX agreement instead of payment amount I 'd been paying for the past 9 months. This leaves me with a few questions : 1 ) was there really an error? 2 ) why was this error not caught? 3 ) why am i being penalized for an error that was not my fault? I put my trust into Navient to calculate the correct repayment figure based on federal guidelines and have chosen to autopay. If Navient was wrong, I should not be on the hook for a larger payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing options.

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: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
IC systems was wriiten on XXXX XXXX, 2016 and legal demand for validation of the alleged debt was made. They have ignored this request.

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 2017-01-26
Company: Navient Solutions, LLC.
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:
My student loans are handled by Navient I am on a fixed interest rate. 
in the last 10 years my payments have gone up twice. 
approximately 60 of my payments have had nothing go toward principal I calculated roughly {$44000.00} paid in 10 years with only approximately {$3000.00} - {$4000.00} going towards the loan. 
I have records of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I opened my ck'g accts at Bank of America , I was assured I would not be charged acct maintenance fees for the 2nd acct ... However, I am being charged $ XXXXmonth for an acct that actually protects BOA interests ... I use this acct as a " pocket money '' vs carrying cash. If my card gets skimmed, I keep only a few {$100.00} in it to be drained and disputed ... However this also protects me, also.. As the dispute process is very egregious and flawed where BOA does not have their customer 's best interests at hand ... I want the $ XXXX/mo fees that began in XXXX to be returned .... 

This brings me to my second issue.. On XXXX occasions I have disputed card transactions with BOA and instead of being my advocate, they either side with a corrupt merchant or place my resolutions out of grasp.. I want the disputed amounts refunded.

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 2016-08-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

XXXX XXXX - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that XXXX XXXX is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.

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 2022-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Identity theft - XXXX XXXX XXXX reported a XXXX loan on my credit report in XX/XX/2022. I reported the fraudulent account to Equifax who confirmed the fraudulent loan belonged to me. However XXXX and XXXX removed the account. equifax refused to do so.

Company response to consumer: Closed with explanation