BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
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 XXXX loans serviced by Navient, XXXX of which are current. I graduated college from XXXX XX/XX/XXXX. The program I was placed on for repayment of my loans XX/XX/XXXX was too high and I could not make the payments. I asked for a new program, something with lower payments, possibly based on my low salary ( under XXXX ). I was placed into a " graduate '' repayment program. I was not at that time, or any other time, told that Navient offered Income based repayment programs with Loan Forgiveness. I never received any correspondence or phone calls regarding this, and I was under the impression my only option was to stay in the graduate repayment program until my credit was sufficient enough to consolidate. On XX/XX/XXXX, my payments were increased again drastically, by over {$150.00} a month, and automatically pulled from my bank account without my knowledge. Navient explained because I was on the auto debit repayment option, they were free to raise my repayment amount and pull the new amount, as it would not effect my repayment schedule. The interesting thing is, when I had previously called and attempted to make additional payments on the principal amount of my loans, I was told I could not do so without effecting my auto debit repayment schedule, which would raise my interest rate ( Navient offered a reduction of .25 % interest rate on all loans for auto debit ). I contacted Navient with concerns about my new repayment amount, and they then, XX/XX/XXXX, guided me towards an income based repayment program they said had been available since XX/XX/XXXX, and that it was more beneficial for me financially then the graduate program. I found this extremely frustrating, because I could have been contacted or emailed at any time and told this!!!! It seems unethical they could withhold certain information from me which would benefit my status as a borrower. I was also told that my four years spent on the XXXX Based repayment program did not count towards the income based repayment program, and therefore I have to start from the beginning again. I no longer trust my student loan corporation. Its obvious that the bottom line is more important than their customer base.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage appears to conveniently try to block certain communications with certain clients. As I've had previous problems with them and the telephone payment system, which also caused me to be late on payment. I've asked XXXX and her Supervisor, XXXX today to credit me for that payment because Rocket, formerly known as, Quicken Loan payment line XXXX, being inoperable. 

I'm also having difficulty right now faxing them a follow up, Qualified Written Request to XXXX, for current amortization and loan transaction history reports. 

Not sure whether this complaint is going to allow me to attach file, but her is letter been attempting to fax Rocket Mortgage a previous Qualified Written Request. And the suspicious nature of their documentation of communications with their clients. 

Previously requested a copy of loan amortization for account # XXXX. 

Rocket Mortgage ( RKT ) did not supply an updated amortization schedule reflecting actual loan amount, interest rate, and amortization period. 

Likewise, RKT also did not supply transaction payment history from start to date. 

Finally, Rocket Mortgage is supplying customers documents dated XX/XX/2022 and XX/XX/2022, while enclosing them in mailings post marked XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have paid off the vehicle loan but the lender says I still owe {$85.00} dollars. They did not notify me of this balance due. They shut down my online access to the account so I can't see the status of my loan. They have not responded to written requests for explanation or verification of the balance due. They are now adding fees to the balance due and reporting the loan to the credit bureaus as delinquent.

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 2016-04-01
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loan servicer, Navient, continues to have long response times to online customer service inquiries that require telephone follow-up calls. The response time to messages sent via their website has grown in excess of one month, and the last three messages have gone completely unanswered. Calling Navient by telephone requires navigating a complex IVR system that will not route you to an agent for the first five minutes of the call. This all culminates in a very time-consuming and frustrating customer service experience. 

I feel that Navient should be held to certain customer service expectations and staff appropriately to meet customer demand. Waiting months for a response via their website, which is the method of contact they repeatedly recommend, is simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
AES services my student loans. I am most unsatisfied with this company. The representatives regularly provide you with wrong and misleading information. I am currently in the process of refinancing my loans with another company, XXXX. XXXX and I together called AES to get information from them regarding my loans. The first rep we spoke to refused to provide information as XXXX had a recorded line. He said his manager would be able to assist us as he did n't have the authority. The " manager '' refused to help us. She said they will not speak on recorded lines as it is " company policy. '' Because of this I had to call the company separately and request the information that the XXXX rep could have gotten verbally be sent to me in document form. Now I have to wait for this documentation which is holding up my refinancing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Over the past 18 months we have been victimized by identity theft. We reported the crime to the XXXX County Sheriff 's Department, XXXX. Our credit cards, which we have had with Bank of America without incident, have bee used to fraudulently charge XXXX of dollars. While most institutions have worked with us to remove these charges from our account, BofA refuses to remove XXXX from the XXXX, XXXX statement. 
I am a XXXX year old retiree and my wife suffers from XXXX. My wife is the principle cardholder, and been unable to use a computer for the past 3 years. As the frauds were occurring, BofA never notified us, even though we had never made charges in these amounts in 30 years. In fact the charges were well above our established credit limits. 
Our daughter XXXX is also a signatory to our account. When questioned XXXX freely admitted that she had shared the passcode with her fiance, and only her fiance. BofA is claiming that this makes us responsible. All of us, including the fiance, will agree to submit to a polygraph anywhere and anytime. Texas state law limits our liabiity to {$50.00} for credit card, and {$500.00} for cash withdraw. 

During initial conversations with BofA my daughter and I determined which charges were fraud, they agreed that the charges look fraudulent and would remove. In 30 years I had never been late on a payment, and with the understanding that the charges would be removed, I paid the bill in its entirety. At this age I wanted to be sure my credit remained spotless. 
Our community is outraged over the egregious manner we have been treated. In fact, through a neighbor, the local XXXX affiliate has inquired about doing a human interest story on our plight. 
Again in XXXX we were again victimized on our new BofA card for {$51000.00}. Again they never made a single phone call to us, in spite of our historically low charges and the problem we had in XXXX. 
I am a friend of XXXX and am helping him with this report. My name is XXXX XXXX, and I have know this couple for over 30 years, and know them to be above reproach.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Issue started with an incorrect filing on my Experian credit report. The verbiage was incorrect based on when the filing of my bankruptcy was declared from the courts. The original filing of my bankruptcy was XX/XX/XXXX. The credit report was showing for the line item from XXXX XXXX XXXX as XX/XX/XXXX. I supplied documentation showing the filing date of my bankruptcy from the courts and the paper work for when it was paid off. Experian came back and said after their investigation that this was a late payment and will be treated as such. Mind you, every other institution complied with the bankruptcy term and came off my credit report except XXXX XXXX XXXX. After receiving this dispute letter from Experian, I immediately called my Lawyer and my Credit Protection company to validate my concerns before contacting the FTC. The issue is that the XXXX XXXX XXXX has the incorrect date reported for filing of the bankruptcy and Experian did not dig deeper to investigate the real issue. At this point, Experian is stating that I have 5 more years before it comes off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The use of the debt collection tactic thats in question violates 15 us code 1681b, 15 us code 1681 a ( e ), 15 usc 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened account and about 3 weeks later they advised that I didn't meet guidelines and would be closing the account. The account had a negative balance of - {$160.00} approximately. About a month later my employer mistakenly sent a direct deposit of {$370.00} to the account. On XX/XX/XXXX the automated phone system advised the direct deposit was rejected and would be send back to employer. On XX/XX/XXXX someone or the computer decided to deposit the funds I'm assuming to recover the - {$160.00}, however I am in chp XXXX bankruptcy and I do believe they can not collect. Also an agent that answered at the XXXX number of Chase advised that I made a voluntary payment to the account so I couldn't get the funds back. I said that since they decided to close my account I had sent to my employer an update for my direct deposit so no I didn't choose to voluntarily send funds to Chase. XXXX was rude and then he hung.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
PNC bank had issued me a credit card, I had this credit card for past 5 years, but I just learned that they have been taken away my rewards earned because they implemented a new procedure that I was not aware about and have been taken away my rewards. I contacted them they have not explanation for it. I came across the issue when I saw on my statement that previous rewards balance plus earned was less than previous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
on XXXX XXXX my XXXX year old son XXXX XXXX went into an XXXX store in XXXX XXXX NY to inquire about purchasing a car. In doing so his credit was run. Although he is XXXX years younger, has a different social security number and uses his middle initial " J '' ( I do not have a middle initial ). the hard inquiries are being reflected on all XXXX of my bureaus, which in turn lowered mi FICO scores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Maximus Education, LLC dba Aidvantage
State: DE
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with the Department of Education to obtain a " loan ''. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The loan which is subject to the transaction was used primarily for personal, family and household purposes. The Department of Education has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX XXXX  did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). The Department of Education 's conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. The Department of Education has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) also documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) the Department of Education does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification the Department of Education is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: D.B.F. COLLECTION CORP.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi- Thank you for your assistance. I received noticed from XXXX XXXX, Manager DBF Collection Corp XXXX that I was a guarantor of a lease in which the tenant had not paid her rent and was found in court to owe money to the landlord. 

I requested a copy of the lease which was " partially '' sent over. I say partially because this lease was an E signed lease through a program similar to Docusign. These online leases typically have an additional page which details the the email address and other things related to confirming who signed the lease. I requested the full copy of the lease from XXXX XXXX and XXXX XXXX, who works for the property management company XXXX XXXX XXXX XXXX. If they were unable to provide the full copy, I asked them for proof as to which email address the lease was sent to in order for it to be signed. 

I requested from XXXX XXXX and XXXX XXXX this remaining page/email address which they have refused to send over. I ask for this page because ( a ) It is part of the lease ( b ) I confirmed in my email box on the date and time the lease was signed ( signature line is marked with a date and time ), I never received such email to sign to the lease ( c ) I noticed that the IP address under both tenant 's and guarantors section was identical. Meaning that the tenant was the likely one to have created a fake email address and signed it.

From what I read online, the debt collector is obligated in this situation to provide the full lease and refuses to do so. Furthermore, no court has found me nor the guarantor on the lease responsible for paying this debt. I have never been taken to court on this matter. Also should be noted the guarantor section asks for a notary and to document isn't notarized. 

I politely request to have this debt removed and XXXX XXXX and his client sanctioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
In XXXX I purchased a show car that only had XXXX miles on it from XXXX XXXX, XXXX California, ( XXXX ) XXXX. The car started breaking down and when it did, I had only had it for a year. The AC broke after I received my free oil change from them, it was working fine when I pulled in the XXXX parking lot. I got it back it didn't work. I previously had a Nissan XXXX  in addition to the Nissan XXXX, and its AC was still working. I called and filed a complaint ; they couldn't help me unless I paid {$450.00} to them. I told them the car had a recall on the airbags and that's dangerous for me to drive. They said I would still have to pay {$450.00} to have it checked out. So, I called the corporate office to see if they could help me get it fixed or place me in another car. They said to call the dealership back and tell them to help me. They still said I had to pay to get it checked out. And refused to put me in another car or fix the problem till I gave them money. Also, the baring 's on the wheels were worn out and I only had it for a year. They told me nothing was wrong with the car because it was a show car, and no one drove it, but it had XXXX miles when I bought it. They didn't help me, so I gave the car back, they reported the same car twice as repo on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter Finance ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: RoundPoint Mortgage Servicing LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a fixed rate conventional mortgage signed on XXXX XXXX, XXXX. This loan had a monthly PMI and with this I have my 'NOTICE CONCERNING PRIVATE MORTGAGE INSURANCE - INITIAL DISCLOSURE - FIXED RATE MORTGAGES '. There is an 'AUTOMATIC TERMINATION OF PMI ' clause on this disclosure. The automatic termination date was XXXX XXXX. Roundpoint Mortgage has refused to acknowledge this and will not terminate the monthly MIP nor will they refund all the unearned PMI premiums that I have paid since then. I have made EVERY PAYMENT ON TIME. I have been in the mortgage loan business since XXXX and I know the guidelines and when a Lender/Servicer is being less than honest. I have called and requested to speak to someone about this I was told I have to submit a request in writing. I did that and also sent a copy of my disclosure and request for a refund for the months I have paid sine XXXX XXXX, XXXX. I have since been told by RoundPoint that I need to get an appraisal first to verify that my loan is indeed at 80 %. I have been told by them that I do not need an appraisal because my PMI will terminate in XXXX XXXX, XXXX. I have been told by them that It will terminate in XXXX XXXX and XXXX. I have asked several times to speak with a supervisor and have never been given one. I have been places on hold for HOURS after asking for a supervisor and of course no one ever picked up the phone. This is frustrating to say the least. I have never been treated do poorly by a company that I felt the need to file an official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Monterey Financial Services LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving calls about a payment owed to Monterey financialXXXX and spoke to a rep XX/XX/2022. I was told this would go under investigation as fraud! Promised a call back from management but they never called me back directly. Ive never ordered anything from this company! I asked them for shipping/tracking info on what was supposedly ordered and it couldnt be given to me as they didnt have anything. How am I paying for something Ive never ordered?? I dont have any XXXX to my name! My bank was notified XX/XX/XXXX as well and confirmed no attempted payments have been taken. Monterey says my banks info was on file which their workers removed my bank info and took me off the list for the automated calls due to this fraudulent situation. Their supervisors never called me back and now this huge bills pops up on my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation