BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: IL
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:
1. I have not been provided regular statements. The only statement I have received since getting my loan ( 13 years ) is the on I have attached. 
2. I have not been provided a tax statement in in the last 5 years which meant I could not claim student loan interest on my taxes. 
3. I was told my loan was not eligible for loan forgiveness because I have the wrong kind of loan. I have worked in social services since my graduation. 
4. In reviewing the statement that I finally received I do not understand their process for interest being charged. Interest should be going down with each payment but is all over the place, almost doubling at times. It looks like I am being over charged on a regular basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: MD
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:
Please see the attached forms. I have been calling all Experian, XXXX and Experian and they have not been very helpful. I have inaccurate information on my credit report and I would like for all inquires and derogatory marks to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Naviet changed rates, loan types, & interest rates without notification. The payment suggested to me is impossible to pay. Naviet suggested that I defer them which increased the interest amount on a monthly basis

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: AR
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 borrowed {$92000.00} dollars for my XXXX degree from XXXX from XXXX XXXX, which is now Navient, from the Tuition answer loan program. I began XXXX school in XXXX and my loans were in deferment until XXXX. It was in XXXX I was informed that I could no longer defer my loans, because the deferment period had expired, even though each time I had talked to a XXXX/Navient Customer Service representative, they assured me that I could defer as long as I was in school. They did in XXXX began offering an alternative to deferment which was Forbearance. During forbearance, I would pay {$150.00} for three months of forbearance. This took nothing more than an agreement over the phone, no paperwork was ever signed. I was also assured that the {$150.00} would be applied to my loan, which it never was. I went through this process beginning in XXXX, up until the XXXX when the informed me no more forbearance could be applied. The loan balanced had ballooned to {$160000.00} when I checked it in XXXX. Close to {$70000.00} worth of interest had been added to it since I started the forbearance in XXXX. I have never been given an explanation other than, " We have done nothing wrong, '' when I have enquired to how this was possible. All that has ever been sent to me was a excel document showing my loan progression on a spreadsheet. But it does n't match what is on my online account. In this was fees that I was never told existed. I feel as if I have been cheated by the amount of interest that has been added to my loan, and will never be able to pay this back. It was n't until XXXX that I was offered income based repayment. I want Navient to be held accountable for the massive amount of interest removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Upgrade, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Since XX/XX/2022, someone has tried to submit an application to get Ohio Unemployment in my name. They have applied for credit cards in my name to ( 1 ) Upgrade ; and ( 2 ) XXXX XXXX. They currently have my email account frozen as someone tried to access my email to gain info about the above two credit card attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today is XX/XX/XXXX ( Saturday ) XXXX and I received the third call from Navient about a student loan debt. The call was around XXXX XXXX and was an actual person on the line asking for me by name. The other two calls were robocalls that I have received in the last two weeks. To my knowledge, my account has been in forbearance which is why I was surprised and also the fact that in the past whenever there was an issue usually Navient would just send an email. I have been experiencing financial issues and have been diligent about applying for forbearance if I think I may not be able to pay for awhile. 

Also, I applied for a forbearance around XX/XX/XXXX and there is no record of this in the inbox /email history segment on my account page. I believe that my account has been mismanaged and will be filing further complaints if I am charged with any added fees or if the phone calls continue. I've also XXXX them and seen that they are currently dealing with more than one lawsuit for mismanagement of students loans and for phone harassment. I applied for another forbearance today and will soon be searching for a way to switch loan servicers since I'm not satisfied with my service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient has been holding up my IBR request on spurious grounds. I processed an IBR request through XXXX. They first denied my application claiming that they were missing a page. How that can happen when they receive it electronically through XXXX is beyond my comprehension. 
So I resent it. Now, almost three months later, they have sent me a denial letter. 
It says, " we 're unable to process your Income-Driven Repayment request at this time because your signature was not included. '' Strange, because the copy that I 'm looking at, which I faxed them on XXXX XXXX at XXXX shows my typewritten signature with the date. 
They are now claiming on my telephone call with them that it needs to be a " wet signature. '' No where on the form does it define signature. No where does it indicate that a typewritten signature is invalid or otherwise makes the contract modification unenforceable. No where do they define " signature. '' ( Thought as a trained lawyer my understanding is that a signature is defined generally as a present intention to authenticate. ) All of my other lenders have accepted my IBR without a problem. Navient is the ONLY lender to pull this most recent excuse out in order to delay and deny my application and force me to reapply. 
[ I have just gotten off the phone with Navient, and they told me a wet signature is needed, but they they would, ( after I told them that I was filling out a CFPB complaint as we spoke ) accept my electronic signature in lieu of a wet signature. ] I am still concerned that they will ultimately fail to deliver on their obligation to process this IBR request, so I 'm submitting this same complaint to notify CFPB of their inaction and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX and XXXX I went through XXXX XXXX hardship due to my spouce lossing her job and while I wait for a decision on XXXX. I have been unable to work full time since 2012. I was XXXX payment behind of my Bank of America credit Card. I recived a letter stateing they wanted to help me catch up so I called ( this was at the end of XXXX ) I signed up for a program allowing me to pay XXXX dollers a month which would have been very reachable for me while I wait for a answer. I was told they would not review my information for the program untill I made a payment so they set a payment to be taken out on XXXX XXXX. I noticed that the XXXX had passed and it had not been taken out and I had recived a few calls. I called them on XXXX XXXX and it seemed none knew anything about me signing up for the program. After looking into it they said the payment was denided ( had plenty of money ). I repaid that same day XXXX XXXX. 10 minutes later I got a call from BoA and had to go through the whole thing again. Weeks went by and I started to recive phone calls so I called back again. Once again they were not aware of me enrolling and I had to tell them everything again. The agent said it was still pending becouse they needed additional information and that they only call 2 times and leave no message. I was then told that the interest and late fees would continue to collect. around a week later ( not sure of the time line ) I recived a call from the agent that called me 10 minutes after I paid on XXXX XXXX and he had taken this to his manager and was clearly frustrated as well and told me that that agent could have helped me complete this. 30 days or so had gone by and it was XXXX and I was informed I am XXXX payments behind ( was only XXXX ) and my min due was XXXX and it was roughly XXXX or so at the time I signed up for the program. I tried to call recently to find out how much I owed and the agent couldnt give me a solid answer so I am unsure why they are saying I am XXXX payments behind and how much I owed when I made the payment on XXXX XXXX.

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 2022-03-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lvnv funding LLC is claiming I owe {$1600.00} for a debt that I have no knowledge of I have sent them certified letters starting the first one sign for XX/XX/XXXX to validate this debt and they have yet to send me anything bearing my signature they sent me an itemized bill or something or another on that lines very very fine print that I don't believe that's acceptable is to verify they have not sent me anything and it's been over 30 days I want it removed from my credit report the other letter that I sent them they signed for on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Navient Solutions, LLC.
State: MD
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 consolidated my student loans through the XXXX program in XXXX XXXX. My original loan amount was for {$12000.00} at XXXX % interest. At the time of consolidation, the loan was serviced by XXXX XXXX, which offered a 0.25 % reduction in the interest rate if the loan was paid by automatic deposit every month as well as a reduction of 1.00 % from the interest rate after 36 on-time payments. I took advantage of these benefits, lowering my interest rate to XXXX %. At some point, without my knowledge, the interest rate was raised again to 5.125 %. Unfortunately, I am unable to see older statements on either the XXXX XXXX or Navient websites, but did contact XXXX XXXX in XXXX XXXX to determine when the interest rate for my loan increased and why. Customer service representatives have been unable to tell me my interest rates at different points in time, nor have the statements for those time periods been accessible to me. I mailed XXXX XXXX a copy of the document describing the 1.00 % interest rate discount, but nothing was done to address my concerns.For the statements that are available, the interest rate has always been 5.125 %. It is frustrating that my student loans, as part of a federal program, are subject to arbitrary interest rate hikes without any notification or justification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I have a Bank of America credit card. On my XXXX statement, I show that I had paid my revolving credit balance in full and a bit more with no interest charges. For the XXXX statement period, I had paid {$700.00} less, bank statement showed that I had incurred {$37.00} in interest charges. For my XXXX statement, I had paid my open revolving balance in full again, but incurred more interest charges of {$63.00}, XXXX month in a row after having only XXXX calendar month of not completely paying the revolving balance in full once back in XXXX. Bank of America customer service dept 's service rep told me that the XXXX interest charges is a result of me walking into a banking center and making the payment and BofA taking time to process the banking center transaction, which is a bunch of baloney. With the service rep 's explanation not sounding right, we insisted on a manager, XXXX who eventually came on the call, to answer my question. He stated that the XXXX interest charge of {$63.00} was a result from a short payment back in XXXX. Okay we took that reply and we did further research and found out that not only were we charged in XXXX, but we were also charged in XXXX. We called back to the BofA credit call center and was told that the XXXX interest charges was also a result of the {$700.00} unpaid balance from XXXX. So we were charged XXXX for the same {$700.00}, given XXXX different explanations of the interest charges, and still have not resolved the issue of why there are XXXX interest charges when only once that the outstanding balance was short-paid ( short-paid balance was taken care of in the subsequent month ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-21
Company: Navient Solutions, LLC.
State: VA
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 was promised a job upon Graduation. Did nothing to help me get a job, they told me that i would be paying loan back based on job in my field.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-03-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo, Thank you for your response to my concerns due to my identity theft report to the Internal Revenue Service. As you know, they will be requiring proof of filed forms for this said account. 
Part of the identity theft report is in response to filing a 1099-OID form and the unauthorized filing of this form for this XXXX account . 
This has not been mentioned by XXXX XXXX - the executive office case specialist or by the Claims Assistance Center. 

Both XXXX XXXX and the Claims Assistance Center have failed to respond to the question of; was a 1099-oid filled for this account? The grantor and beneficiary of this account is XXXX XXXX and Wells Fargo giving fiduciary responsibility to act in the best interest and benefit for XXXX XXXX. Wells Fargo was not given authorization to file this said form to the Internal Revenue Service. All actions taken for this account, are to be for the benefit of XXXX XXXX. Continuing to report the account as delinquent is a direct disservice to me and has harmed my ability to extend credit. 

The Claims Assistance Center sent a letter dated XX/XX/XXXX which I have attached. I have not claimed to need any temporary credit to this account. There should not be any activity on this account since it was Charged OfXXXX XX/XX/XXXX. This account is scheduled to be deleted from all consumer reporting agencies in XXXX and any activity to the account can restart that deletion. I want to be CLEAR that I did not submit a claim in the affidavit to credit this account. There has been no activity authorized by me to this account and therefore has been done fraudulently. 

Please note that the response to the affidavit was not a rebuttal therefore is a non response. 

Moving forward, all correspondence is to be responded through CFPB.gov, please cease and desist any and all communication through the mail, phone and consumer reporting agencies, unless it is for monetary compensation. If you continue to communicate with XXXX XXXX or XXXX XXXX through these mediums, violation scheduled fees will be applied and billed to Wells Fargo. 

XXXX XXXX XXXX XXXX  ) - this attachment was unable to be opened. You may resend this message if it is important. ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card
Issue: Transaction issue

Complaint:
First let me mention we have been using Bank of America credit cards for ten years and have never missed or been late with a payment. Recently we were offered new cash back cards. I cards in the mail arrived promptly as well as an email telling me that the was a {$6500.00} made to the XXXX in Arizonan, I contacted the fraud department, they investigated and canceled the new cards, When I new I was getting new cards I paid off the original old card {$2600.00}. I checked my statement online and found they had taken the payment out of my checking account twice, They said the would reverse the double payment and return the amount off {$2600.00} ASAP. This left us with {$410.00} in checking to pay our monthly bills. Note were on Social Security with small pensions. 
We contacted BOA several time going for teller to manager to department heads. We were told over and over again that it would take 5 to 7 business days to return the money to our account. I asked the managers at BOA if they were going to be responsible for any late charges because they had drained my checking account by withdrawing, they said no. 
I am very disappointed with BOA, they made the mistake and we have to suffer for it. 
What can I do to get my money back before it effects my other financial commitments?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not receive a card from this company, nor did I run up any charges that they claim. I should not be held liable for something I do not have, and did not receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: KS
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:
Someone opened up a account with XXXX XXXX, I contacted them and reported fraud and they closed the account opened. I want this off my credit bureau report.

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 2022-07-14
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi the medical bills these companies are saying I'm responsible for paying is in -correct my kids father is liable for paying medical bills not me. This is not my first complaint I have been letting them know over and over, but I'm not getting no resolution. Please remove collection! Thank you

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