BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This complaint regards XXXX signature student loans disbursed XX/XX/XXXX and XX/XX/XXXX. The loans are currently held by Navient XXXX XXXX XXXX. 

I am currently in school at University of XXXX XXXX XXXX XXXX in XXXX, New Hampshire. I entered this school XX/XX/XXXX. Each year, I filled out a new deferment form for my prior student loans. This fall, I had to do the same. 

I went onto Navient 's website and printed out the required deferment paperwork. I had my registrar complete the paperwork and fax the documents to Navient. Navient 's website says that deferment requests may take up to 21 days to process. I waited the three weeks. The website continued to say that I needed to make payments. I never received even a letter or an email confirming or denying my request for deferment. I occasionally got a message from my parents that Navient had called, always during school hours, but had refused to tell my parents why they were calling. I had my parents inform Navient when the company called that I had sent in a deferment request, but they would n't accept the message. 

I repeated the process, having my registrar send another deferment form, in case the first one had failed to successfully reach Navient. Again, the website never acknowledged the deferment request in any manner. I did not receive an email or a letter regarding the matter. I called Navient, and the automated message said that the deferment request was pending. When I finally got through to a human being, they told me, for the first time, that my loan was no longer eligible for deferment ( apparently I had used the allowable 48 months ). 

This information was not available online. This information was never conveyed to me by email or letter, even though I received numerous other letters and emails indicating that payment was due unless I enrolled in deferment or forbearance. And every attempt to contact me by phone occurred during school hours with Navient 's representative refusing to leave a message. 

It should have been so difficult to find out that my loan was ineligible for deferment, even though I am still in school. It was unreasonable for Navient to fail to respond to XXXX separate faxed deferment requests. 

If not for this asinine process, I would have made my payments on time. I would not have incurred late fees and the added interest. 

XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am the co-signer for my daughter 's loans. She is unable to make payments so I took over the payments. I pay each loan separately, electronically ( by loan number ) through my bank, before the due date. I received a call today, XXXX XXXX 2015, telling me XXXX of the loans were late. When I returned the phone call, I found out Navient had placed the money where they desired, not where indicated on my electronic payment information. This caused the delinquency. I was on the phone for over an hour trying to fix the situation, I was transferred XXXX times, to different departments. If I send the payments separately, by loan number, how can they take the money and put it where they want? The loans were not delinquent. All XXXX payments were sent before the due date of XXXX 2015. I asked the customer service representative and all he did was transfer me to the person who was supposed to fix the problem. I spent XXXX minutes on hold while she worked through the problem. When she was finished, I asked her the same question. Her answer was that she did n't know. Before hanging up, I requested individual monthly statements be mailed to me for each loan I cosigned and a statement stating this problem was fixed. Navient may be a separate company, but they are still XXXX XXXX at the core.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
i was charged an overdraft fee twice by bank of america when i did not sign up for the protection. One of the fees was for a debit transaction for netflix on XXXX/XXXX/2016 On or about XXXX/XXXX/16, I was charged an overdraft fee for a check. The check was paid even though i had a negative balance at the time, and i paid to stop the check.

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 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I have ( XXXX ) 0 % with ( XXXX ) different date that they mixed up and now send statements with the ( new one ) due on XX/XX/XXXX. Should be XX/XX/XXXX. They are telling me their ability to correct this is not possible because they have a problem with their ( system ). They only tell me this on the ( phone ) and will not send me a letter acknowledging their error. They do not print the amount next to the promotional offer ID on their statements. ALL OTHER CREDIT CARD COMPANIES DO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America offered a business checking account promotion with the offer code XXXX to me via email. I opened a business checking account XXXX XXXX XXXX XXXX ) in branch on XXXX XXXX and met the terms of the offer ( spend {$2000.00} within 60 days on a business credit card ). The terms say the cash bonus of {$1000.00} would be paid within 90 days of meeting the terms. 120 days after meeting the terms, no bonus was received. When I called to inquire I was told that no offer code was attached to my account and I would not be getting a bonus. I 've called BofA many times and keep getting the runaround. I logged cases XXXX latest XXXX being XXXX XXXX but they keep stalling and sending me nowhere.

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 2015-08-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
A Chase private student loan cosigned for my son was paid in full XXXX of 2014. 
There was a letter from Chase for the XXXX and XXXX payment saying they could not process the payment, because they could not find my bank account number which was recorded improperly. They received payment for these months when I received notification of the problem. As I stated the loan is now closed and paid in full. Chase, however, has my credit report showing me 60 days delinquent with the XXXX and XXXX payment. This has adversely effect my credit and I have not been able to refinance my and another student loan that was cosigned for my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient continues to disregard my defense to repayment for my current situation with The XXXX XXXX. The school I attended has done a teach out and is closing, been sued on multiple accounts, defrauded thousands of students, and unethically recruited students. Navient was involved with this system of predatory lending to schools that had XXXX transferability and they need to be held accountable. Please see my attached Defense to Repayment for a more detailed request for full discharge of these fraudulent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Navient Solutions, LLC.
State: MI
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:
XXXX XXXX used deceptive and illegal practices to get loans in my name. I have attempted to request documents from XXXX showing what was signed and how much each loan was for. My loans have changed hands and I am having trouble finding out who I really need to speak with. I am looking to challenge all private and federal loans in my name. Please contact me with further questions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Jefferson capital LLC changed the open date on this account. I canceled XXXX XX/XX/XXXX that was my last payment ever made. The clock for the 7 year rule should have started counting then. The Jefferson captial changed the date to XX/XX/XXXX on my credit report. They have failed to work with me to change the date. I agreed to pay the {$220.00} if they take it off my credit report cause it has been over 7 years. This debt will be on my credit report for over 12 years I feel that is not fair at all. Is it illegal for a collection to change an open date on an account from XX/XX/XXXX which the last payment was made? Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I constantly receive calls from the XXXX number, which I have identified as Navient through online searching. When I answer the call, no one seems to be on the other line. When I do n't pick up the phone, they leave a blank voicemail. I get calls from this number 6 times a day and at the most inconvenient times. My loans are current so they have no other reason to be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had XXXX credit cards with Chase. 
They were both a a couple months past-due. 
I paid the cards off completely and, in doing so, brought them current. 
So Chase automatically closed the account. 
I had no notice the account had been closed. 
I did not find out the accounts had been closed until a message appeared online after I had paid off the accounts. 
If I had known the accounts were closed, I probably would have negotiated to settle the debt for less than the total, that included many, many fees. 
So Chase got their fees and then closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello to whom it may concern. 
I been awarded my deceased parents property in XXXX Mass ( XXXX ) probate was a long delay, over 5 years in limbo, finally the court has signed off on the estate. The mortgage payments was not able to be paid by any family members while the property was in probate. This has caused a large past due balance owed. 
I now have legal procession of the property, I contacted Chase bank to let them know. 
I have had my name added to the tittle deed and also the home owners insurance put in my name. 
I filed for a loan ussumption and modification and was denied reason stated in letter. 
we could n't verify your incomes/ or employment on the information you provided. 
I called immediately I said I provided all documents that was requested. 
XXXX monthly bank statements these statements included my direct payroll deposits and first floor tenants lease monthly rent. 
I also provided XXXX payroll stubs as requested. and the XXXX XXXX form as requested. 
Chase had many ways to verified my income and employment City Of XXXX, I sent a letter by via fax to dispute the denied letter. 
I feel Chase bank is not doing all the research as required, I contacted my employment XXXX City of XXXX treasury department and asked if a mortgage company contacted to for status of my employment income status. 
I was told no mortgage company had contacted them. 
I feel that Chase bank or the under writers and the investor ( XXXX XXXX XXXX ) IS TRYING TO STEAL MY PARENTS HOUSE FROM ME please any help or legal direction advise would be helpful thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.

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 2022-10-31
Company: ERC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm working on clearing up my credit report so I can qualify for a home loan. I contacted the company, Enhanced Recovery Co., and paid off the dept. I need to have them delete this item from my credit record but they will not remove it. As long as it there, even showing a XXXX XXXX  it will still work against my credit. It will not increase my score at all. So, I need help getting it removed. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Alpha Recovery Corp
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They are calling me everyday about family member debt.

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 2016-06-01
Company: Navient Solutions, LLC.
State: GA
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:
My stepson used my ss # to obtain XXXX different loans. He lives in XXXX, I 'm in XXXX. He originally asked me if I would Co-sign for a {$1400.00} Loan and had my ss #. Then I found out it was for a {$4000.00} loan. He asked me again for my ss # for a second loan and I refused. He used it anyway and now is not repaying. This happened around 7 years ago. I filled out a fraud report and filed a police report and told the loan person I would follow through. They investigated and refused to take me off the loan. I never signed anything. I think he did this loan over the internet, but not sure. The loan company has never sent me anything with my signature. I had very good credit, not it 's ruined because of this irresponisble sneaky XXXX year old who lies constantly. He has blocked me and his father so I ca n't communicate with him.My husband does n't work ( XXXX ) and I only make {$36000.00} per year. My husband has XXXX per month retirement. I ca n't make the loan payments and now my credit is ruined. Please help me. The loan company, when I spoke with him on the phone was rude and said it was my word against his.. Can I get this removed from my credit report? I believe the total bill is around {$11000.00} for both loans he took out. I have been dealing with this for so long and would n't turn him into the police as long as he paid. But he wo n't pay any longer so I had to turn him in. I do n't know what to do anymore. This is not right. Please help me. Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: CA
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 had sent a notice to Navient on XXXX XXXX, XXXX regarding private school loans they are showing these loans as open and past due even though they had charged them off and last year had sent them out for collections and were harassing me about them. I am including a copy of that last notice, but want them to remove these from their system and stop requesting payments : XXXX XXXX, XXXX Navient XXXX, PA XXXX Re : XXXX - Account # XXXX To whom it may concern : I am writing to inform your company that I will not make any further payments on XXXX of the loans that your company is servicing and claiming still open. These loans should have been discharged in my Chapter XXXX Bankruptcy, however even though no representative from your company or any other attended the creditor 's meeting your company still determined these were collectable debts afterwards. 
Under duress of legal action against me I was pressured to make the last payments on XXXX XXXX, XXXX towards each of the loans. 
Since then I have informed your company and debt collection agencies you have employed that I will not be making further payment on these private loans. Under the California Civil Code the statute of limitations of four years from the last payment has expired and they have become legally uncollectable. 

Therefore under this law I am demanding no further action should be taken to obtain payments or settlements of the below noted loans including notices, solicitations or requests of any type including Navient 's website which continues to show these as late and is demanding payments to be made. 
I have worked to resolve the federally insured loans having consolidated the debt and will continue to pay on those consolidated loans. 

I am also demanding an acknowledgment from your company of this matter and that these should no longer be reported as open debts on your website or any other records of your company. 

The loan numbers are as follows : XXXX XXXX XXXX Sincerely, XXXX, CA XXXX They did not respond to my letter in any way and continue to show these as delinquent on their website and any time I try to make payments on loans that I have put into a modified loan their system still asks for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Bank of America in XXXX XXXX. My modification was approved by Bank of America XXXX XXXX, XXXX. The modification required that I make 3 payments at a different amounts from the payment amount prior to the modification. The payments were to be at the modification amount XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I made the first loan modification payment on XXXX XXXX, XXXX with the memo saying XXXX modification XXXX. I received a call today XXXX/XXXX/XXXX from XXXX XXXX from Bank of America asking me if I made the payment and I told her yes. I made the payment on XXXX XXXX. XXXX XXXX told me that because I made the payment early it may not count toward my modification. XXXX XXXX my loan manager asked me in XXXX if I wanted to pay my first pay early to get started.

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 2022-10-31
Company: CL Holdings 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: Old information reappears or never goes away

Complaint:
Ive had this XXXX account removed from my credit already through XXXX XXXX XXXX and they keep putting it back on there. The amount keeps going up and they keep switching the agencies to put it back on there. plus this account is over XXXX years old!! They just recently reopened it XX/XX/2022. I dont understand this. Im trying to buy a house and they messed everything up!! Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Northstar Location Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Northstar collections has been calling my home number for over three months trying to collect a debt on someone who does not live here and I do not know. I have asked them twice to remove the number, yet they still call 2-3 times a day. They also call at inappropriate times. On XXXX/XXXX/16 they called at XXXX. On XXXX they called at XXXX and XXXX. On XXXX/XXXX/16 they called at XXXX.

Company response to consumer: Closed