BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: Navient Solutions, LLC.
State: CA
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 student loans got transferred Navient. So for a couple of years I have been going through such stress, trying to figure out, what are they doing with my payments. I have talked to over five different Account Managers, who tell me something different. They tell me that I am current one month, and then the next month, I am passed due. Every time I call the company and make a payment, I wind up getting upset! They have been mishandling my account for several months now! I would like for someone to give me a straight answer, as to what is going on at Navient? I was just told on XXXX XXXX, 2016 by XXXX XXXX at Navient, that my account was current. This month I called in to make a payment, and another Account Manager by the name of XXXX XXXX, says that XXXX was wrong, and that I am passed due! Someone please help! I am at my wits end! I thank you for your time and consideration. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We paid off our mortgage with Bank of America in 2013 and have yet to receive our home title. We have asked multiple times for our title and have been transferred to at least XXXX different people who are " working on our case, '' they have opened at least XXXX cases for us, but there has been no resolution and no response from anyone at Bank of America letting us know the status of our case. We try to contact them via the email and phone numbers they have given us, but they do not answer. We have had our attorney contact Bank of America and they basically denied any wrongdoing ; they claimed that this was due to XXXX XXXX XXXX and a missing assignment. It is not our fault if BOFA sold our loan to a third party or lost it. It has been over two years since we have paid off our loan and Nevada state law requires the owner to receive their title within 90 days of being paid off. We are worried we will never receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I was in a car accident and my car was deemed a total loss. My insurance company paid off the lease and I had to pay the deductible. I paid more than XXXX of the deductible, but before I could pay the rest it was considered a loss and charged off by Ford Credit. I only found this out when I received a copy of my credit report. I never received any phone calls or letters from Ford Credit stating that it was going to be considered a loss and charged off. When I called Ford Credit they told my Husband and me there was nothing they could do to change that. They claim that they notified us but we never received anything from them saying that they were charging out account off. They also claim to have discussed this with my husband about this being charged off when they spoke in XX/XX/XXXX. The only thing they discussed was about him emailing a copy of the police report and insurance information to them. They had no previous problems reaching me before when they had questions about the accident and we have always received our monthly statements. We were never late or missed a payment during our 3yr lease. As a matter of fact the replacement car is leased through Ford Credit. My husband also drives a Ford. After the current lease is done we are done with Ford if this is how they want to treat a loyal customer. Both of us had great credit scores and that has suffered because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Navient Solutions, LLC.
State: PA
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 have listed the case I have open currently with XXXX XXXX in regards to the settlement we have come to and payment being received for Navient student loans. Payment was submitted on XXXX XXXX, 2015 and was received successfully. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: AFNI INC.
State: PR
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/2011 a debt collector company named Afni contacted me for a supposed debt I had with XXXX XXXX for XXXX dollars. I had never had an account with XXXX so I ignored the letter. For the next few weeks this company continued sending me letter based on the allegation I had a debt with XXXX, I became worried and called XXXX and they told me I had never had any account balance on my name. Years passed and last week I received another letter from Afni collecting the same debt. I enter on the website XXXX to check my credit and this company affected my credit even when they closed the issue. On this new letter they offer me that if I pay half the debt I will resolve my account. I am worried I could have been victim of identity theft, because I had never had any kind of account with XXXX or any debt with this company. My phone bills were paid by my parents and it was another company. So im asking for help. Im worried this could be a more serious situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: CA
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 am writing bc I graduated in XX/XX/2005 with combined Federal and Private loans thru XXXX totaling around XXXX XXXX Upon starting payments they wanted me topay around {$1000.00}. a month at which the time I could not afford. We went back and forth and they said there was nothing they could do for me so they kept issuing forebearance. Finally they gave me a plan in which I could afford where they explained it would be interest only payments for so long then it would start going towards the principal. Well I have been making payments at first around XXXX and now they 've been around XXXX $ a month for the past XXXX years but I have been paying consistently since I 've graduated in XX/XX/2005. My grand total is now {$100000.00}. that I owe!! I called to see how I am ever supposed to get my total down if theyre charging me interest upon interest at the back end of the loan. Their answer was start doubling up on your payments. But at this point if theyre charging me interest on the back end no monies are going toward anything. I will be retiring owing more than I graduated in XX/XX/2005 owing. Something does not seem right. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I consolidated my loans several years ago after threats because I could n't pay my loans. I have been paying for years, first XXXX then Navient. I recently requested a breakdown of my debt. On the national student loan database, there are loans I can not account for and wanted to know where they came from. Navient directed me to student loans.gov, who told me my serviced ( Navient ) should have my paperwork to verify my loans. Repeated requests to provide that have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient told me they would n't extend my Administrative Forbearance in regards to my Defense to Repayment application in XXXX correspondence and then another said they would. There is no communication between Navient, FSA, DOE, or any department. It 's conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: ND
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 took out my first student loan through XXXX in XXXX. At the time, I had been on SSI since XXXX. When I took out my private loan through XXXX, I was not told that I could never get my student loans forgiven due to being on SSI when I took out my loans. My loans were sold to Navient. They have put up many barriers to releasing my cosigner. My only income is my SSI. They are refusing to lower my payments and are making it very difficult to afford my payments, despite both my cosigner and I trying to work with them. We are not able to make the payments despite trying and they are setting many barriers for us that I feel are unjust. They are harrassing us both about paying the loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. One of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.

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 2016-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
You have helped us earlier in a related matter ( Case number : XXXX ). 
After your involvement, as well as a phone call from our Congresswoman, XXXX XXXX, Bank of america ultimately did not foreclose on my father-in law. 

However, every XX/XX/XXXX they raise his mortgage a few hundred dollars and my wife and I have to go through quite a bit of red tape to get this problem solved. My father-in-law died XX/XX/XXXX and my wife and I are in the process of selling this house and we are making the bi-monthly ( every two weeks ) payments in the mean time. 

This is all related to the previous problem of the foreclosure notices. Here are the details. 

My father-in-law has a bi-monthly mortgage he got from Countrywide. B of A subsequently acquired Countrywide -- B of A does not issue bi-monthly mortgages and their computers do not recognize them. B of A computers register the first payment of the month ( as being deficient ) and do n't register the second payment at all. This is what caused the foreclosure statements in 2013. 

B of A had no clue what was going on here -- I figured this out for them and although, with your help, they stopped the foreclosure they still have not updated their computers. As I have stated, though these are referred to a bi-monthly mortgages, the payments are actually every two weeks ( 26 payments a year not 24 ). B of A 's computers are not counting the two extra payments and every XX/XX/XXXX they say that escrow is short and raise the payments a few hundred dollars a payment -- every two weeks! 

Every year they say it 's because the taxes and insurance have gone up, which is true, the insurance goes up maybe {$20.00} and the taxes about {$50.00} but that does n't add up to an additional {$200.00} times 26 payments. 

So every year we have to go to the bank, have them get on the phone with the mortgage folks and painstaking point out to them their errors. When they finally figure out what 's going on they tell us that we will just have to come back every year to straighten things out. This year the mortgage folks passed us off to collections which is where B of A is now dealing with all of the Countrywide bi-monthly mortgages. 

When the foreclosure issue was initially resolved, I asked our branch VP how many people B of A had thrown out of there houses for this same accounting problem, she admitted " probably a lot ''. 

Please have B of A fix this issue. Better yet, put them out of business. They are not too big to fail. They are too big to conduct business in an efficient and lawful manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-07-14
Company: Navient Solutions, LLC.
State: CA
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 went to XXXX College XXXX. I was told by a school counselor " everyone used XXXX XXXX to pay for school ''. Well now I 'm {$530000.00} in debt to what is now Navient. I do n't have a degree, because after I realized how much money I was borrowing I attempted to pay for school by working XXXX jobs. This did n't even make a dent. I became overwhelmed and left school XXXX credit hours in. So now I have no degree and {$960.00} in loan payments every month XXXX both private and federal ). My co-signer ( my mom ) is taking one of my loans over, which is {$200.00} a month, leaving me with the remaining {$760.00}. For how much I make, that total leaves me with no wiggle room. I have n't been able to have a savings account for years. I live paycheck to paycheck and I 'm still falling behind. My interest rate with Navient is 9.75 % so any money I 'm giving them is n't even lowering my total. For awhile I was on this great plan with them and they lowered my payment to {$250.00} and they lowered my interest rate to 2 %. I made every single payment and felt like I was getting back on track. They made it sound like if I made my payments on time for 18 months straight I would have a lower monthly payment after the program. Well that did n't happen. I 've tried speaking to customer service several times and now it 's to the point where I have too much anxiety to even call them. I dread the phone calls every day. I 've tried to give them as much as I can each month, but it 's never enough. I 've now fallen behind on my federal loans and I feel like I 'm out of options. I would gladly pay my loans if the amount every month was a littler more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
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:
Contacted Bank of America about NSF fees. Explained that XXXX creditors XXXX and XXXX XXXX had double debited my account and the reversals of the second debit were in process with XXXX companies. I advised that this situation had caused my most recent overdraft situation and would like some concession of NSF fees at {$35.00} each. Representative read me the relevant disclosures about keeping sufficient balances in my account etc. Since overdrafts are decisioned electronically the cost to the Bank is in the pennies at most. The cost to their customers however, is {$35.00} each. This seems to be an exorbitant profit margin on that " product ''. The profit on the forced sale of bank penalties is probably in the 5,000 % range over the cost of providing the " service ''. The bank should have the strategy and the process in place to quickly and efficiently process alternative ways of responding to its NSF policy and strategy when long time customers clarify a real life, verifiable, predicament. This NSF revenue or profit center is a dishonorable way of making profits and delivering shareholder value for a large publicly owned institution.

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 2019-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had to file chapter XXXX bankruptcy in XX/XX/2019, as a result my loan account with XXXX XXXX was closed as of XX/XX/2019. Company refuses to acknowledge that this account was included in filing of Chapter XXXX and continues to report the account as open on my Credit reports and they still attempt to collect on this account. I have contacted them directly to no avail I have written letters, filed disputes with the credit Bureaus and they keep reporting the false information as accurate even though when I view my account status it is showing as closed-paid in full. They also refuse to notate the account as included in Chapter 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 2016-01-27
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called to make payment arrangements on bills that I owe. I spoke with XXXX who states he was a supervisor. I explained to him my financial situation and offered what I could do. He got very ugly and asked why I didnt go get a loan to pay off my medical bills or get a credit card. He asked personal questions that did not relate to the medical bills we were discussing and even brought up that I needed to file my taxes by XXXX XXXX so that I could pay him. I explained some of the things I was having to pay and he told me that paying for a vehicle was not more important than paying his company. I asked to speak with someone else and he would not allow me to. I feel like he was going far beyond what the call was about into my personal business and handled the situation completely wrong. Even after attempting to make payments he said that they were still going to try to garnish my wages and he would get 25 % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Comerica
State: NY
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
Have been using DirectExpress Card to receive XXXX. payments and have read and followed the " fine print '' only to send the pertinent information via U.S. Mail only to receive no response and for DirectExpress to be in breach of their own " terms. '' According to F.B.I. website information on debit cards that have funds deposited to them this constitutes a fraud. 
After making online transaction that the telephone check states the balance has been reflected without a HOLD. The company is stating different from what I have recorded after transaction. The company are " pulling a fast one '' on us benefit receipients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-07
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Called me at XXXX at night also reporting the wrong date on my credit report they jacked up the date to report longer on my report shady company needs to be fined and always answers the same way everytime I file a complaint they harassed me steady and cover out up everytime

Company response to consumer: Closed