BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: Navient Solutions, LLC.
State: FL
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:
Hello, I have private and federal student loans with Navient unfortunatelly. My original private loan amount was {$3700.00} originated in 2003 and it is now {$9200.00}, not sure why. They continue to report lates to the credit bureaus even if the payment is on time. Last month I paid XXXX to XXXX payments in a row to try to make them stop calling my phone and they reported me late and tanked my credit scores. They are extrmely rude and I will not take their calls and for that reason I believe they continue to report me late to the bureaus to get me to call them. I believe the balances reported in XXXX loans are incorrect and I need help fighting them. There is no easy way to communicate with these people. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I got a credit card through XXXX in XXXX, North Carolina and Bank of America manages this card. I never received the card or any statements. I called and asked them to cancel the card when I found out there was an open account when I was applying for a mortgage. Even after what I thought was a closed account, I received a forwarded statement from a previous address. I was told by the Bank of America representative that if I paid the {$8.00} balance, then I would get {$5.00} back of that and they would remove all late payments shown on the account and I had her to update the correct mailing address. 30 days later, I receive a statement owing {$1.00} and had to call back again. I was told by the Bank of America representative that would be removed. A few weeks later, I received a late notice on the {$1.00} and had to call again. The representative said it would be removed and would call me back on XX/XX/2017 to tell me everything was cleared up. Today is Monday XX/XX/2017 and no return phone call has been made. My concern is what impact this small charge and seemly lack of communication has done to my credit. To date the lates have not been removed, the {$5.00} was never refunded ( which is not a concern ) and not sure what happened with the {$1.00}. My biggest concern how can a company be so large and have that much impact on my credit with no regards to their customer service. I would appreciate any help with this matter as I value my credit and it does not seem fair the follow through on Bank of America 's part to do what is the right thing when I had no communication from them until now.

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 2015-12-09
Company: Navient Solutions, LLC.
State: WA
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 attended XXXX XXXX XXXX, wa XXXX and university of Idaho in XXXX XXXX, ID ) now my student loans ( both federal and private ) are in repayment w XXXX and Salliemae. My XXXX major complants is that after I qualified for IBR plan they sold my loan to another agency without contact me and now XXXX having trouble with a third company and having to reapply for an IBR. In addition XXXX has removed funds out of my bank account without permission, multiple times over the last 6month 's. I have called once to four times per day directly to the onbuds but have not received any calls or written statement of the finding or request for more information. After XXXX requests, in the last 6 months, for a written statement of the repayment agreement, I still have n't received any written agreement or information on why they were not able to provide that information. On top of several problems I have had with both XXXX and Salliemae they are not correctly reporting to credit agencys ( they say that I am making late payments on my loans although they are the ones that are removing the funds out of the account. When I called them on it they said they would forward the inquiry and when the a supervisor got back to me they said it was do to processing time and days that the banks are open. They did tell me in order to get this up to date i would need to make a double payment in one month. However due to the fact XXXX is withdrawing over double the agreed monthly repayment amount. I really feel like manyof these tactics and actions are illegal and I have been advised by more than XXXX professional service to sue, however I do not want to take this action but I will if it is truly necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I 'm the sole account holder of the Macy 's XXXX credit card and I gave no one authorization to use it nor did I add anyone as an authorized user. Someone used my social security number, name, address but not the physical credit card to buy merchandise worth {$7800.00} at Macy 's XXXX As a result of these fraudulent charges, I 've asked Macy 's XXXX to close my credit card account yesterday. 

More than an year ago I 've placed a security alert on my credit card account by requesting the customer service of Macy 's XXXX to verify the person 's ID before allowing purchases and allow purchases only if the Full name on the ID matches the Full name on the account and the face picture. When I called about the fraudulent charges on my account, I was told by their customer service that due to the busy holiday season, the associates were liberal and that they may not have always the time and liberty to check for the persons ' ID and that they allow purchases as long as they can pull up the account by social security number even if the person does not have the physical credit card with them. I would like to report Macy 's XXXX for not following the security guidelines I requested to be in place on my account and for letting someone who knows my social security number to use my account to buy merchandise worth {$7800.00} when actually my credit limit set by Macy 's XXXX is {$1200.00}. The current balance on my account is over {$9000.00}. I ca n't afford to make even the minimum monthly payment which is around {$260.00}.

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 2016-01-05
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2015 I walked into XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX I was looking around maybe trade in my car for something else, soon before I know I have a sales man approach me and started a conversation, I told him I was just looking and before I knew it I was sitting in the finance offfice putting me in a car that I could not afford, I told him I connot afford this car which in turn he replied do n't worry I 'm going to help you, I tell him I am on a fixed income, I do n't work I get my XXXX check once a month. My credit score is low, he said let me make some calls to what I 'm guessing are bank loaners and such.. So I ask him I can you put me in something cheaper maybe with what I get for my Kia Soul XXXX with low milage I had XXXX miles on this car, he offers me XXXX for my care and tells me the rest you can finance, I kept telling him I can not aford this car but he did n't seem to care he wanted my to leave the dearlership with one of his cars. I went back serveral times, even the next day, my car was gone, I ask him where is my car, he responded its gone, we already autioned it and that there was no way of getting my car back, so now I 'm stuck with a vehicle that I can not afford and a car note to pay more money then I can afford to pay, I told him I 'm on a fixed income over, and over, buy this time everyone that was being nice to me before I walked into this dealership were now turning their backs on me, saying sorry it 's out of my hands, there 's nothing I can do. So I contact the Bank that did approve the loan out of about XXXX or XXXX banks that denied me a loan and with good cause, because of my bad credit and low credit score, I ask them why would you approve me for a loan if I had such a bad credit history, they said well we go by what the finance Manager provides us, so I ask them what did he submit as to my income they told me he said to us you make XXXX a year when in reality I only get XXXX check a month for XXXX a month which comes out to XXXX a year. So I knew right there he is falsifying people 's income in order to put these loans through. Please help me bring this car dealership down this is fraud, this is a crime god knows how long they have been doing this to unsuspecting innocent people like myself, PLEASE HELP ME!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I keep receiving threatening, harassing phone calls from " XXXX '' " XXXX XXXX XXXX '' stating they are going to have me served court papers and have me arrested for non-payment of a payday loan from 2012, as they are stating they have converted this into a " bad-check '' case. They keep calling me from phone # XXXX, again, being very rude and threatening.

Company response to consumer: Closed
Consumer complaint received 2015-08-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, XXXX I purchased a XXXX Nissan Altima VIN # XXXX from XXXX XXXX XXXX XXXX XXXX. I noticed after a few days that the vehicle had transmission problems and returned the vehicle on XXXX XXXX, XXXX. The same day that the vehicle was returned I purchased a XXXX XXXX XXXX XXXX # XXXX. I was told that my first payment for the XXXX Nissan would be due by XXXX XXXX, XXXX and per my contract the new loan was financed through the same company as the XXXX Nissan which was Santander Consumer USA. In XXXX XXXX called Santander to make my payment and was advised at that time that I was never approved for the XXXX Nissan and that I owed a payment on the XXXX Nissan that was returned. Per the representative at Santander she recommend that I contact the dealership to inquire on when they will be submitting the documents on the XXXX car and providing the contract for the XXXX Nissan. I have called XXXX XXXX XXXX XXXX XXXX several times and no one has ever returned my call regarding the issue. The only calls that I have received from the dealership have been reminder calls regarding upcoming oil changes. 
I have contacted Santander USA several times as well and per my phone call on XXXX XXXX, XXXX the representative advised me that I am behind on the XXXX Nissan in the amount {$2700.00}. He also stated that the vehicle is out to be repossessed and my issue is not with their office it 's with the dealership and that I will be responsible for the deficiency balance once the vehicle is sold. In addition to the inconvenience of this whole entire situation I have also received an Adverse Action notice dated XXXX/XXXX/XXXX stating that they pulled my credit on XXXX/XXXX/XXXX and due to several reasons they have denied my loan. The problem is I never applied for any loan with Santander on XXXX/XXXX/XXXX. I purchased both of the vehicles in XXXX and that was the only time I authorized my credit to be pulled. My credit score has now dropped due to Santander reporting past due payments and a charge-off as of XXXX XXXX, XXXX. No one will help me get this issue resolved and at this point I 'm considering getting an attorney because I feel that the Santander and the dealership is trying to stick me with paying for a vehicle that I returned to the dealership months ago. Please also note that Santander is listed as the lienholder on my current contract for the XXXX Nissan Altima however they state they have no record of the car only the XXXX Nissan Altima that was returned to the dealership on XXXX XXXX, XXXX. Please help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was told by a rep in XXXX XXXX that my loan debt would be put on hold because i was unemployed. And there wouldnt be a payment due for another year which would have been XXXX XXXX. Then i recieved a bill for XXXX XXXX. I called and they told me it was fixed. A month later i recieved a bill that was for {$80.00} due XXXX XXXX. I tried calling again on several occasions. The 1st time they gave me the run around about some paper work..the website they sent me to didnt let me submit my paperwork for some reason. Ive tried calling again to help me out with this problem, but i havent gotten an answer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has misapplied my payment in the month of XXXX, XXXX & XXXX. I have been working with them since XXXX to get the payments corrected. As of this time they still have been unable to fix my accounts. My complaint has made its way to the office of customer advocates which I was told is the final level of account escalation with Navient. I do n't know where else to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient refuses to answer questions regarding payment plans. I have records of several e-mails where Navient 's only response is to " call them '' but then when you call in, there is no accountability for what is said over the phone. Navient has made absolutely no effort to work with me, a professional in my field with a credit score of XXXX, and instead has pushed me to look into options of bankruptcy as their current payment per month would quickly force me to choose between paying my mortgage, or paying my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Diversified Consultants, Inc.
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX I cancelled a cell phone contract through XXXX wireless. They had informed me that I would owe an additional month of service and I requested that they send me a statement of my charges to keep for my records because I did not agree. I was told that I was no longer a customer so I would not be able to obtain a statement. Since then, XXXX separate debt companies have purchased this account, most recently Diversified Consultants. I spoke with a representative from Diversified consultants on XXXX XXXX, XXXX and requested proof that I owe this balance of {$150.00}. I was told that since the account was so old that proof of the debt would not be able to be obtained. I was then forwarded to a supervisor 's voicemail by the name of XXXX. I left him a message but still had not received a call back as of XXXX XXXX. 
I called Diversified Consultants again on XXXX XXXX, XXXX to follow up and was told that a request had been made to XXXX XXXX Collections, but they are unable to do anything for me aside from offering me a settlement. I asked that until the requested documentation is provided that Diversified Consultants stop negatively reporting against me to the XXXX credit bureaus. Again, I was told that there was nothing that could be done for me and if I had a problem I would have to report it myself. I also asked what the company policy was regarding lack of documentation. Specifically, I asked what would be done if the paperwork I requested was not available after thirty business days. I was told that they could not predict the outcome of the documentation, which directly contradicts the statement they made two weeks ago about not being able to obtain the documentation. The representative then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
About XXXX years ago I had done a modification of my mortgage at which time I started paying my new mortgage. In XXXX 2014, I received an amount due of {$0.00} at which time I called to find out why. No one could explain the reason there was nothing billed. In XXXX, the same thing happened. When I called again I was told there would be nothing due until XXXX 2014 and I still was not told why. After several more attempts, I just let it go and was then billed in XXXX 2014 for {$4000.00} which was not the agreed upon amount. My complaint is there is no one to speak with and no answer was ever given as to the reason nothing was billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding , LLC continues to contact me either by phone or by mail regarding a XXXX XXXX account which was not mine. I have told them they have the wrong person and they have verified it on the phone with me via cross referencing the SS number of the account holder and my SS number. They contend they will take my information off the account each time I talk to them and then something pops up from them again every 3-4 months. I think they have people looking for something to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management , Inc. ( Midland Credit ) is falsely misrepresenting the amount of alleged account XXXX, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Midland Credit provided documentation that shows this alleged account as having a balance of {$1500.00} ( see attachment ). However, Midland Credit has been reporting this alleged account on my credit reports with a balance of {$2400.00}. Midland Credit has also made several attempts to collect the misrepresented amount ( see attachment ). 

Midland Credit has stated that they have added interest on this account. However, Midland Credit has not produced any documentation that legally allows them to charge interest as stated in the FDCPA. Midland Credit has not provided a complete transactional history as requested numerous time. Midland Credit has also failed to mention if the interest added was simple or compound, the rate, and the time for which the interest has been added. 

This alleged account is not complete and inaccurate. I have expressed this to the original creditor, XXXX XXXX XXXX, and they agreed to delete this tradeline from my credit reports. As of late, they have not reported this alleged account on my credit files. 

As per evidence presented above, Midland Credit is in violation of the FDCPA. I respectfully request that this tradeline be removed from my credit reports with all credit reporting agencies, including, but not limited to : XXXX, XXXX, XXXX, and XXXX. 

I greatly appreciate the Consumer Financial Protection Bureau 's time and attention to this matter. I would also like to thank Midland Credit for their cooperation and attentiveness to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
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 made my first repayment towards my Student Loan with XXXX XXXX, now Navient on XXXX XXXX, XXXX, one month after graduating from the University XXXX Maryland University XXXX. On XXXX XXXX, XXXX I paid {$500.00} towards my loan and have paid {$500.00} every month since. However, my account shows my first payment as XXXX XXXX, XXXX. My account is missing XXXX payments of {$500.00} and the interested that should be credited for them.

Company response to consumer: Closed with explanation