BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America closed my account on XXXX/XXXX/2015 and never informed me. My statements, both paper and electronic, do not reflect a closed status, and clearly indicate that I have available credit. If an account is closed, then there is no credit available, and the statement should list {$0.00} as the available credit. I would like the CFPB to either force BofA to issue accurate statements, or reinstate my card to a status that matches the statement.

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 2017-01-19
Company: Navient Solutions, LLC.
State: FL
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:
My student loans are through Navient. The payment plans are unreasonable. There is no way I can pay my monthly payment. The payments are always changing. I 'm not sure what I am paying for. I tried consolidating my loans, but was hit with a failing job market. The school I attended has closed down and I cant even get my transcript to start more classes to get a better paying job. The loans are constantly rising as well as the interest rates. I currently owe {$31000.00}. My loan has went into default without any knowledge. Was never told the true cost of forbearance or even how my loan has reach the amount of {$31000.00}. They never offered the IBR payment plan. This has caused so much interest. I can not pay this loan with my income. I can not benefit from this loan or the diploma program because the school ( XXXX XXXX XXXX ) has closed and this makes the program void. With this much debt and program of study I cant utilize, I will never pay this off, because I wont make the money to pay it off. I cant get a decent job because I have no college diploma because the school is closed. yet I 'm still being billed XXXX dollars. This company has did so much to students and consumers trying to take everything making it impossible to live a life. I can not benefit from this loan the school is closed and I am so lost and drowning in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony Bank has for the XXXX time placed a late fee on our account, stating that the account # for our bank is incorrect and they were not able to apply the funds. 
We contacted our bank who verified that the account number was in fact right and thatthey had no excuse for not processing the payment. We get the run around from Synchrony bank, who seems to have a horrible reputation with customers. This bank is predatory and no longer should be able to feed off the citizens of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Discover credit pulled a bait and switch on me as a consumer. I received a balance transfer offer to get 0 % Apr to pay down my balance in full ; giving me until XXXX 2017. They are continuing to charge exorbitant fees, making it difficult for me to pay off the balance. When I wrote to them stating how difficult they have made things for me, they stated, " Paying down the complete statement each month avoids the charges ''. 

First off, I understand paying down the statement avoids charges. XXXX does not know me. If he did he would understand that the company I used to work for ( XXXX XXXX ) never paid me for the XXXX I turned in -- we 're talking about three years of XXXX. I have filed a complaint with the Dept of Labor about the company, and it has gone nowhere because the USA seems to allow criminals to go free. I am a XXXX XXXX who should have earned a nice living on the project that I was hired to do. Since I have n't been paid, the only source of my pay comes from a small XXXX check. This makes it exceedingly difficult to pay down my debts ... which I want to do!!!! 
I wrote to Discover Credit : " You deliberately did not answer my question. Your company has violated the agreement of allowing a 0 % Apr until XXXX for me, a XXXX American, to catch up my bills. Your answer was emotionally disconnected, and bourgeoisie, but I suppose that 's how you wish your company to be viewed. No. I do not agree with stealing. I will not allow you to steal from me. I am filing a complaint about your company with the FTC ( CFPB ), and will not be paying on this bill or having anything more to do with your shady, lying, thieving, company! 

This complaint is being filed because Discover Credit broke the terms of the agreement, and have charged such exorbitant charges on my account, bringing the balance to a high amount. I received the 0 % Apr offer thinking this was a XXXX that could get my debt to credit ratio down. They do this to low income people to steal their hard earned money and make them think they can FINALLY pay off their debts. I am trying very hard to get out of the debt hole that credit fees, and shady, dishonest people/companies have deliberately made for me. It is a financial hardship to go through this. It IS a bait and switch tactic that Discover Credit pulled and it needs to be reported to the CFPB agency. I told Discover that they are thieves and liars and cause unneeded stress in my life with their shenanigans. I will not be paying any more statements until they revert to the 0 % Apr agreement that was sent to me. They also had no business keeping an unlawful XXXX charge ( I sent back the item over a month ago -- I DO N'T have it!!! ). Their company is designed to run people into debt and needs to be audited for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Jefferson Capital Systems listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. Jefferson Capital bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14
Company: Navient Solutions, LLC.
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:
I co-signed on a student loan for my grandaughter in XXXX at XXXX University.I have been paying this loan since then. I have paid this for twelve years and they are only saying ive paid {$53.00}. They state they charge interest by the day which i surely dont recall being in the contract i signed. Ive paid off XXXX cars brand new in this time so that should tell you something. This loane should have been paid off, my credit report even says it was closed and here it comes again. Im a senior citizen i can not even retire with this hanging over my head. Ive called XXXX of times no one can answer questions they transfer you or hang up on you! Sallie mae sold their accounts to navient and when you they transfer you back and forth between companies. The last call was made XXXX/XXXX/XXXX i spoke with XXXX, XXXX and XXXX who just kept transfering they are incapable of answering questions or maybe theyre trained that way. At this point i feel they owe me money because ive over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
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:
Sallie Mae is still reporting on my credit when my loans were transferred to XXXX. My accounts with Sallie Mae are all at a XXXX balance and it has been over 10yrs and they are REFUSING to delete it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Because of my inability to repay my loans, Navient has offered me several Opprutinities of deferment and forbearance, never any income based repayment plan. I was n't until recently that I learned what an IBR was. I believe that Navient and XXXX XXXX purposely offered plans to accumulate more interest for my loan. When offering deferments and forbearances Navient should also proactively offer IBR for borrowers with financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Navient Solutions, LLC.
State: NY
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, A NEW NAME FOR SAME OLD SHADY XXXX XXXX. EVERY TIME I MADE AN EXTRA AMOUNT TOWARDS PRINCIPL TO PAY OFF MY LOAN EARLY. BUT THEY KEEP POSTING THE EXTRA AMOUNT TOWARDS MY NEXT PAYMENT. I CONTACTED THEM SEVERAL TIMES BY EMAIL AND PHONE, BUT REFUSED TO DO WHAT I INSTRUCTED. KEEP READING THE SAME GARBAGE FROM FREQUENTLY ASKED Q AND A. MY ACCOUNT IS CURRENT AND I ALWAYS PAY ONLINE. THIS IS ANOTHER WAY TO KEEP THEIR CUSTOMER IN DEBT BY TAKING PRE PAY INTERESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Even thought I already reached out to your agency regarding Bank of America unjustified fees applied to my mortgage payment, the bank is still requesting that I send a XXXX fee in addition to my monthly mortgage payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
A few years back around 2010, my home was falling into foreclosure. While fighting this process with my lawyers, Ocwen assured me a {$40000.00} equity that was taken out on my home would be forgiven and they wrote it off as a " loss ''. Because of this I agreed to refinance with them to keep my home. When the deadline rolled around I felt immense pressure to sign the paper work to not lose my home. My loan was originally around {$230000.00} after everything was signed and finished my loan was now around {$270000.00}. They took what they said was a " loss '' and " forgiven '' and added it to my mortgage to have me pay back. I believe this to be unfair practice and possibly illegal, but my lawyers at the time were dragging their feet and not knowing of any other agency to help me, this fell on the back burner. Every month when I pay my mortgage it eats me up inside because I know its not right. I came across an article in the TIMES and know this is exactly what Ocwen is doing to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have notified Equifax that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Equifax have not removed these accounts and inquiries within the last 16 months from my credit file. The Release Tax Lien is not mine because I never had a Tax Lien

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Navient Solutions, LLC.
State: MD
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 XXXX from XXXX college in Washington DC in 2009. I received my student loan from XXXX but sold to navient. I am having problem refinancing the loan. I can not even get the XXXX for my taxes. I do n't understand what type of student loan is that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my subdivision had floods and affected XXXX of the houses. we could not get any one to buy our property so we put it on short-sale. The bank did not approve the sale and instead initiated a foreclosure sale on the property. in XXXX XXXX the property was fore-closed. later the XXXX mortgage was reported on our credit report as unsecured loan with each month reporting late. we have tried to resolve with the Bank but they have continued to say we owe them on the XXXX mortgage.

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 2015-04-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was modified XXXX XXXX by OCWEN Loan Servicing in the amount of {$49000.00}. This amount was divided in XXXX over the next XXXX years beginning in XX/XX/XXXX making XX/XX/XXXX year XXXX, XX/XX/XXXX year XXXX and XX/XX/XXXX year XXXX. The agreement was contingent upon my not missing more than XXXX payments, I have made all payments on time or before time. In XX/XX/XXXX I receive a XXXX for {$33000.00}. I have conversed with OCWEN XXXX times When I called OCWEN XXXX XXXX the said I will receive a new XXXX for {$16000.00} as the loan modification began in XX/XX/XXXX. Not having received the new XXXX I called XXXX XXXX and spoke with XXXX # XXXX who said they ( OCWEN XXXX did n't mail me the {$16000.00} in XXXX instead it was mailed early XX/XX/XXXX therefore XXXX deduction is not available. I asked him about the modification contract I have in hand dated XXXX and that it states the modification starts in XX/XX/XXXX and that it clearly states the XXXX year being XXXX, he would not answer. I also have my XX/XX/XXXX monthly statements that show the total reduction yet he would not acknowledge ; he kept repeating the " XXXX charge '' was per IRS guidelines but would n't discuss why the contract/modification starts in XX/XX/XXXX. In good faith I held up my part of the modification by making every payment on time. Now I have to pay taxes on something I should not have to. My Account # is XXXX. I have not contacted an attorney yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen approved be for a trial modification after I completed my trial period in XX/XX/XXXX. Every XXXX weeks I talked to my rep and she stated the paperwork for the permanent modification was being completed and would be shipped to me via XXXX. Each time every XXXX weeks there would be an excuse to why the paperwork was not sent out. On XXXX XXXX I was called by ocwen and told my paperwork was complete and being overnighter to me. A XXXX later I called and stated I had not gotten my paperwork. My rep told me my loan had been sold and they actually had not sent out my paperwork and it would not be complete prior to the sale. This was on XXXX XXXX XXXX full months after I completed my trial program. Now XXXX has sent me a document claiming my balance of of XXXX and XXXX in unpaid overdraft fees which is incorrect is due. Why was n't my trial modification paperwork completed back in XX/XX/XXXX per federal regulations. There also was an overage on my escrow account which has not been posted to my XXXX account ad attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I recieved a statement from Naviant for the first time since my daughter has been in school. she is a XXXX. Until I recieved that statement I had no idea who was holding these loans. I thought XXXX XXXX held everything. So how could I have paid anything towards these loans if I did n't know about them? They should have been sending information more regularly!! Then I actually got a recorded message left on my home phone that the email information they have for us is not valid ... .it took them 3 years to figure that out and call? Then all of the sudden I read about a law suit for Naviant in XXXX of this year ... ..what a coinsidence right? I do n't think so. I think we are part of the group of people that have been affected by Naviant 's poor business. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My home mortgage closing is pending. Wells Fargo has known about the closing date for over six weeks. I signed a XXXX twice for the loan consultant and loan doc specialist to obtain the tax transcript from the IRS. Our closing was set for XXXX/XXXX/16. On XXXX/XXXX/16, our loan consultant informed us that Wells Fargo failed to obtain the correct form from the IRS. She could not get approval to close the loan without it. She had no idea when she might receive the form from the IRS. We have already closed on the sale of our former home. and our living in temporary housing. We had to cancel the movers. We do not know when to reschedule the movers. We are paying penalties for the temporary housing as well as the cancellation fees. I had to reschedule utility hookups, but I do not know when a date to reschedule them. This is a horrible experience, and I will never recommend Wells Fargo to anyone. So far, this has cost my family an extra {$2000.00} to cover living, deposits, and cancellation fees. To make matters worse, she blamed it on the VA and the IRS. Both agencies told me that it is a Wells Fargo requirement to only accept the tax transcript directly from the IRS. It is clear that the loan consultant and loan doc person failed to review the file in a timely manner even though we submitted the correct form weeks ago. I suppose this is a customer service complaint instead of a legal issue, but I will also send it directly to Wells. I have several suggestions for better service from Wells. 
1. Review the document file several times. 
2. Notify the buyer well before closing that something is missing. 
3. Accept the tax transcript from the buyer. I downloaded it directly from the IRS website and received it in minutes. I could actually drive to their office and download it for them, but they will not even return my calls. I am not sure why they can not request it electronically. So, we are out of money and still have not closed on our house because of one form that I was able to obtain in minutes, but Wells can not seem to get in weeks.

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 2015-10-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a loan with Suntrust Bank for about XXXX tears at least. My principal never seems to go down. I have been watching it very closely for this year. I have another mortgage, and calculate correctly to within XXXX cents of principal and interest on each payment so I know its not me. But with Suntrust I am always off between $ XXXX {$30.00} per month. I have talked to them every month about this, and cant seem to get a straight answer. even when the branch does the math with me they come up with what I come up with, and the send in a ticket to have it fixed, but it never happens. Example. A payment was made XXXX XXXX, 2015, of {$300.00}, $ XXXXwas principal, {$200.00} interest. loan bal was {$29000.00} and rate is 7.840 apr. Next payment was made XXXX XXXX, 2015 for {$300.00}. their break down is {$110.00} principal and {$180.00} interest, bal is {$29.00}, XXXX. Next payment made is XXXX XXXX, 2015 of {$300.00}. this entire payment went to interest and balance due {$29.00}, XXXX. I do n't know how this could be? And they can not explain it. I make my payment early. over pay the payment amount. There are months that I pay in XXXX days and it seems that i get charged for XXXX days anyway. I dont know whats going on with them and I need help. They just do not make sense. I have XXXX loans with different rates, different balances, and when i do the per day cost, and add it up, i 'm on the money every time, but suntrust i am way off from what the come up with, and i never can get a reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the second complaint against SunTrust Mortgage. In our first complaint, servicer in a unilateral decision changed terms of our mutual loan modification reached in XX/XX/2015, increasing my rate and switching the same from fix to an adjustable. This original complaint was resolved, but now Suntrust Mortgage is wrongfully calculated the monthly dollar amount on my interest payment for the next 20 years remaining on my mortgage. 
As result of this servicer mistake, I ending paying {$7.00} for the next 20 years remaining on my mortgage loan.

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