BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-18
Company: National Enterprise Systems, Inc.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Briefly, I will try and explain ; however, my supporting documents tell the story. A private loan that I co-signed on for my son with XXXX was transferred by a third party XXXX XXXX XXXX XXXX ( XXXX ) subsequently sent it to a collection agency call National Enterprise System. They did so without any notice to me!! It was in calling the original lender that I found out that it had been bought by XXXX. I was also told that they would be contacting me. This purchase happened some time in XXXX, XXXX, I think. At least it was XXXX XXXX, XXXX that NES acquired it, and the calls started shortly thereafter. It is now XXXX XXXX, XXXX and I have never heard from XXXX. I only hear from the collection agency, NES. I think it important to note that the account was n't in default. It was actively being paid on since XXXX. What gives them the right to do that when an account is being paid in good faith. I am a XXXX yrs divorcee. I hope to retire from XXXX in the next couple of years. This bad debt now appears on my credit report and no one will lend me any money because of it. I ca n't even get money to pay them off. Then there are conflicting statements about how much I actually owe. It is all in the accompanying documents. Please help me. I do n't know what to do. I am also forwarding copies to United States Attorney General for the State of Virginia, XXXX XXXX. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My issue is with American Education Services. I took out several loans to pay for my education at XXXX College in XXXX, NE. The college is now defunct. This company is constantly leading me astray. I 'll call for hardship programs, and representatives will tell me I have time available, only to find out that I did n't. This causes my loans to because delinquent, and the amount to skyrocket. Currently, over the past 6 months, I have had many different representatives tell me different things about the state of my loans. The most important being that paying any amount will keep you out of default. I had XXXX rep. explain that even {$10.00} a month would keep a loan out of default. In XXXX of 2015, I finally spoke to a " Loan Specialist ''. The properly reassured me that there was nothing else they could do to help me, to record all my conversations with loan reps due to their history of being inconsistent, and to write a letter to try and sway my creditors into allowing me financial help. The woman said the letter probably wont help, but it might be worth a shot. She then reassured me that I was n't even near default. A week later, I received calls and letters about default. 

This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: AES/PHEAA
State: FL
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 pay XXXX per month for my loans. I can not afford this. The lender initially helped with income repayment and will no longer assist what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: VIRTUOSO SOURCING GROUP, LLC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Third party collection agency is trying to collect and reported to credit bureau a debt I advised I do not owe the amount they say I owe as I made payments. I also sent a letter within 30 days disputing debt and requesting them to show me how I owe them I never received a response. The amount I agreed I owed i paid in full to original creditor prior to it being put on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Capital Benefit, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Complaint : XXXX XXXX, client/consumer/XXXX # XXXX XXXX : Loan Consultant : XXXX XXXX XXXX XXXX, XXXX # XXXX : # XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA. XXXX XXXX ( cell ), XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Capital Benefit, Inc. : Lender : Loan # XXXX, escrow # XXXX XXXX : Loan rep. 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA. XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX XXXX : On XX/XX/XXXX I spoke to XXXX XXXX and after XXXX returns for XXXX : gross income : {$170000.00} and tax returns XXXX loan docs, including bank statements were given and a pre-approvalletter was given to be. 
B : Good Faith was XXXX arm with 30 year fixed at 4.25 % -- -- 5.25 % I spent the next 45 days looking at over XXXX homes and spentover XXXX hours looking and found a property to XXXX : I found a house and went into escrow with escrow XXXX in XXXX, CAEscrow # XXXX, all in good faithd : I agreed to the terms and conditions of putting 30 % down and carrying a notefor {$130000.00} and agreed from the beginning to be an owner occupied investmentproperty for me. This was all disclosed to XXXX XXXX from the beginningof obtaining the loanItem XXXX : All loan docs were given to escrow and we were to fund on XXXX record on XXXX : XXXX XXXX emails me that I can not have a loan now as owneroccupied and we are now going to use a Hard money loan. 
Instead of 4.25 % -- -- to 5.25 % for the loan, now the interest rate is 9.5 % Why and is this using bait and switch tactics? 

Item 3Then when I received the loan docs from Capital Benefit , Inc . 
XXXX the loan officer changed the terms and conditions of the loandocs : Now the loan docs were at 10.5 % with over {$4000.00} more infees from Capital Benefit to fund the house. 
A : Is this using bait and switch tactics against me as a licensed realtorin XXXX, that was disclosed to XXXX and XXXX from the beginningB : I have all emails from XXXX XXXX from the beginning of theprocess for the loan and all statements from him. 
C : Capital Benefit changed the terms and conditions at the last secondand now it was a non-owner occupied property and I did notsign the loan docs as this was not true. 
The escrow was cancelled. 
Item XXXX. I want my {$270.00} back for the home inspection I did operating in goodfaith on this loan. 
2. I want {$450.00} back as this is the amount I paid for the home appraisalthat did appraise at {$190000.00} to buy the home3. My time is worth {$200.00} an hour as a realtor and I spentover 40 hours of my time to find the property and buy it, I want {$8000.00} back to me. 
4. The commission I was to receive for the deal was $ XXXX I deserve this back as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had my tax refund deposited and chime has stolen my account they refuse to give me access to my account even after me providing proof that it was that they were rude and discriminatory over the phone and refuse to answer calls or emails upon research they are doing this to a lot of people with tax refunds and their paychecks saying we need to look into your account and then taking the money please help I just want access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit report, I discovered that XXXX was reporting a mortgage that was once owned by Bank of America in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by Bank of America. A 1692g request was received by Representative ( s ) and Agent ( s ) of XXXX on XX/XX/XXXX. ( See Attachment A ) XXXX responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to XXXX containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to Bank of America. ( See Attachment ) XXXX has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with Bank of America per the Deed In Lieu and the allegations that a debt is owed to XXXX are frivolous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Consumer Portfolio Services, Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle, after a while it started giving me many issues, some of which I was able to repair which caused me to fall behind on my payments. The car became inoperable so I continued to try to repair it while paying partially. I had to purchase a new vehicle and continued to try to work with the lender on payment. The company 's representative became very rude and seemed to be annoyed by my situation and demand that I make payments via XXXX XXXX. After informing him that I could mail money orders he told me that was n't an option and blocked me from online payments. I understood the payments had to be made although the car was n't operable. I mailed in a money order along with details about the vehicle 's whereabouts along with itemized statement of all costs and yet I have no help. The abuse I have had from this company has been exhausting. I requested a cease and desist and I am still receiving mail from them. I understand they also may be able to pull my credit as well but they 've charged the debt off and continue to pull my credit almost monthly. I recently contacted them and still no one is able to help with this matter. I 'm asking that they remove inquiries and any negative reporting in this matter before I obtain legal counsel as well as take this matter to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Account Control Technology, Inc.
State: MA
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:
Hello, I tried submitting a complaint earlier, I need to break it down into smaller complaints This complaint will deal with Account Control Technology Inc while my wages were being garnished by XXXX on the behalf of Federal Student Loans ACT sent me a letter demanding I pay this bill. I am that person i live at that address. I have never meet the person legally responsible for that bill. 

The person they wanted to contact was XXXX that is not me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
At Sallie Mae, they offer 3 month forbearance periods for struggling loan receivers that ca n't afford to pay back the debt. On XXXX XXXX, I called Sallie Mae to ask for a forbearance because i couldnt make the payments. My account was up to date, no past due payments. My payments are due on the XXXX of each month. So through out XXXX im still being harassed by sallie mae every day, waiting for the forbearance to be processed. This is a normal occurrence by the way, at least 8-10 calls a day. Its harassment and it should be illegal to bother my family and I so much. So after a few phone calls, i find out that the forbearance wasnt input correctly. So they had to restart the process again. So after that was over, i thought that this was taken care of. What I found out today is that the person I talked to in XXXX put in a 1 month forbearance. Which I did not ask or pay for. I paid XXXX dollars to have my loan in forbearance for 3 months. Now, im recieving harassing calls again from early in the morning to late at night. The times are outrageous. Sometimes as early as XXXX and as late as XXXX So now, they wont even transfer me to customer service because my account is overdue? It wouldnt be over due if they didnt input everything properly in the first place. This whole ordeal is so frustrating. No one can do anything for me at the office anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a car from Capital One 2 years ago, I had a co-signer who filed bankruptcy. I did not file bankruptcy and I am first on the loan. The loan was placed into bankruptcy for a while and I reported to the credit bureau as closed and paid in full. I was not notified of this and my credit score declined. I file a dispute with the credit bureaus and now it reads that the loan is charged off- bankrupt on my credit. I never filed bankruptcy. I am disputing that rating. I never stopped paying Capital One, I have paid them every month on time and continue to pay today. I want my credit to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hi I was contacted by a loan officer at Loan Depot named XXXX and he's a XXXX.  He tried very hard to get me into a 10 ARM even though I said that was not what I wanted.  When I pressed him that I wanted a 30-year fixed he said "great news, I can put you in a 30 year fixed that's "only" $XXXX more than the payment you have on your loan with 27 years left.  And I wasn't taking money out!  The closing cost was XXXX but great news he'll knock XXXX off and roll it into the loan!  So he wanted me to pay $XXXX/month higher and do so for 3 extra years.  He called me again today.  That's how I got his name.  He's scum.  Mr. XXXX (XXXX) email address is XXXX.   I'm obviously not going to do business with him or his company.  I just want people to know that this guy sounds like a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I was on a XXXX flight when the flight attendants offered an incentive program to sign up for a XXXX Master Card to receive XXXX FREE ROUNDTRIP TICKETS by redeeming XXXX FREE points upon acceptance. 

When I tried to redeem my " FREE '' tickets, I found that it was more expensive to get them with free points than buying directly at retail price ( difference was {$35.00} more after added {$100.00} redemption fee and other extras that cost more than when buying a full price ticket ). 

When I called to complain they told me free tx had to be redeemed 6 months in advance and I should call Bank of America because they were not responsible Bank of America directed me to XXXX and said they were not responsible

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 2017-03-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have several federal loans through Navient, and I am aggressively paying off the highest interest rate loan(s) first on top of the auto-debit program.  Whenever I make additional payments to the loan (XXXX) with the highest interest rate, I always choose not to move back my payment for the auto-debit.  I noticed that once the auto-debit occurs, it will only subtract the interest for XXXX, and not put any money towards the principle.  The extra money from the auto debit is allocated among the other loans I have, which all have the same or smaller interest amounts.  I have contacted Navient 6 times in a month to have everything retro-actively billed correctly, and to have future auto debit payments be allocated correctly.  They assured me that it has been fixed and that the next auto payment will apply the payments correctly to each loan, regardless of any extra payments I made to XXXX.  When the next billing cycle passed, I noticed that it was still only auto-debiting the interest on XXXX, and not making a dent into the principle.  I had to talk to a supervisor at Navient and he said there was a software issue that they are trying to fix and that in the meantime, the only way to ensure each loan gets auto-debited correctly, is to bill all loans separately.  This is now going to cause a separate transaction each month on my checking account for each loan that I have.  This has been a frustrating experience with Navient to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Went to local ATM with teller assist in XXXX, MD to cash check and deposit cash on XXXX/XXXX/2016. ATM with Teller assist not working. Due to long lines could not wait had to go to work XXXX XXXX XXXX. Got OD charges because deposit not made by certain time on XXXX/XXXX/2016. XXXX OD charges {$35.00} each. 
Requested refund due to ATM with Teller assist not working. Customer service Rep XXXX on XXXX/XXXX/2016 at XXXX advised : 1 ) Why did I not deposit previous day ( because payday was XXXX ) 2 ) Why not use mobile App to make deposit ( because I ca n't cash check with mobile app AND I do n't have mobile app ) 3 ) Several other ATM 's within driving distance ( Went to ATM close to home and job and within my available time ) This customer service representative was argumentative and confrontational in their words and position taken with a polite voice. 
This customer service rep represented the Bank as if the Bank 's broken ATM/Teller Assist functionality is not the Bank 's problem, is not the bank 's responsibility and will not address any problems caused to the consumer as a result of such broken equipment. I disagree. 
This Bank a XXXX dollar Bank, should take responsibility for broken equipment and should reverse fees caused if they resulted from a consumer 's good faith attempt to use the bank 's services that they expected to be there.

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 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
stuff showing on my credit report that are not mine please remove tham XXXX, transunion, and XXXX inaccurate information

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 2016-03-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In order to attend XXXX University for the 2 years I did, I was subject to using XXXX XXXX loans to cover the costs of attending XXXX. My loans are up to {$81000.00} from over {$100000.00} because of military reasons. They are currently forcing me to pay them {$880.00} PER MONTH, which take a whole paycheck every month. I do not know who Navient is, but it seems that now I must pay through them at this time, due to some unknown transfers of loans before a certain period of time. I still feel they are blatantly stealing money from me and others, plus forcing people who get paid under minimum wage to pay nearly {$900.00} per month is completely absurd. The company also told me, in the last forbearance conversation, that there are a limited number of times I can postpone my payments, and I am on my last one.

Company response to consumer: Closed with explanation