BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-25
Company: STATE FARM BANK, FSB
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I applied for a hardship on my auto loan due to a change in employment. I can no longer afford my current payment and they informed me that this modification would help me out. I applied for the modification last XX/XX/XXXX. I submitted the application and notified my insurer ( XXXX ) that they needed to send the hardship department a declaration page of my insurance with Statefarm bank as the leanholder. I was contacted my the hardship department stating they received it but it did not have the correct information on it. I then contacted my insurer and asked them to resend it with the correct information. Since XX/XX/XXXX I had been locked out of my online account and saw that I had no payment due. I thought maybe they had been working on my account. I never heard back from them about the status of my application. In XX/XX/XXXX, I noticed that I had a derogatory mark on my credit from State Farm bank saying I was 30 days past due. Mind you, my account had shown no payment due in XX/XX/XXXX as well. I contacted the hardship department and they told me my application was voided after 15 days because they never received my insurance information. They said if we could find out if it was not my fault then we could proceed with the application and get the credit remark removed. I contacted my insurer and they told me that they had in fact sent the form twice. I have been back and forth with the hardship department and have been lied to every time. Saying that they do n't reverse their decisions, that I was at fault, and even stated that they had in fact received the insurance information but still voided my application. Then told me I was never even eligible for the hardship in the first place. I have asked to speak with management several times but to no avail they are always busy and never return my calls or messages. I feel like they lied to me and are trying to sweep this under the rug and avoid taking responsibility for what happened. I wanted to do what I can to be able to make my payment and stay in good standing on my account but they flat out refuse to work with me or help me out. I have been struggling and just need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/XXXX that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

American Credit Acceptance requested a 60 day extension to resolve this matter. This is a direct violation of the FCRA. By requesting a 60 day extension when the original dispute was filed XXXX XXXX, XXXX is evidence that American Credit Acceptance does not have the information necessary to justify the inquire that is currently displaying on my XXXX Credit Report. American Credit Acceptance is in direct violation of the FCRA Section 1681 ( a ) ( 4 ). I request that American Acceptance remove this unverified inquire from my XXXX Credit Report Immediately. I intend to seek legal action if American Credit Acceptance continues to willingly and knowingly deny my rights under the FCRA and for damaging my creditworthiness and credit score causing great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
-Good day. I am writing in regards to a 90 day late report that was placed on a cosigners credit report. I have a private loan that is enrolled within a payment program. In XXXX of 2015 I called Navient asking if I could call in my payment two weeks later due to financial issues. The operator that I talked to stated that I could. Nevertheless, my payment showed up late and due to me being in the special program, XXXX late payment backed me up three months ( being enrolled in the program allowed my account to be current, however missing a payment resulted in this 90 day late report, and I am unclear as to why ). My cosigner also got this placed on her report. I am writing because I feel as though this should be removed, specifically from my cosigner who will be needing to apply for a loan soon. I do not want this to mess up her credit, especially since I was given misinformation from the employee at Navient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A collections agency, I believe it is XXXX, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. XXXX has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My son decided to try to better himself by going to XXXX in XXXX, he was grown with a family, but XXXX XXXX, now, Navient, insisted he get me to cosign the loan, which I did. He has kept up on the payments for the most part, but they will not give me loan information, even though the late notices and phone calls come to me. He says they will not answer his questions either. When I paid off my student loan, twenty five years ago, I had the same problem. You would think things were better now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: SCA Collections, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SCA Collections - XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX ( XXXX ) XXXX has been trying to collect a medical debt from me since 2016, I never received any notices in the mail. I checked my credit report and saw that they've been reporting negatively bringing my score down. I have since mailed off dispute letters via certified mail through USPS and we have been corresponding with one another ; they're refusing the remove the debt. I was sent a copy of a bill ledger saying that I had a medical procedure done that totaled up to {$370.00}. I asked SCA Collections to provide actual proof that this account or debt belongs to me and on several occasions they have failed to do so. I have filed XXXX XXXX XXXX XXXX complaint and nothing was done, they still refuse to comply.

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 2015-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had a student loan with Bank of America ( XXXX ) that went into default. I rehabilitated the loan with the government satisfactorily. Bk of America ( XXXX ) and the credit bureaus refuse to update the status of the loan from stating " student loan permanently assigned to government ; Closed XXXX '' to reflect that it has been rehabilitated and paid successfully. Further the last time the account was active was XXXX of XXXX. Not only have we passed the statute of limitation for New York, we are approaching the 7 year threshold. This is very negatively affecting my credit and impacting my chances of securing a mortgage even though I took care of the default. They are fraudulently reporting the debt as active as of XXXX XXXX and XXXX XXXX. Lastly, they are reporting XXXX loans that I had with them more than once on my credit report. They are reporting the same loans under different names with the same account number. Loan # XXXX is being reported XXXX once under the name XXXX/B of A and account # XXXX for {$13000.00} and XXXX under the name Bk of America with account # XXXX for {$13000.00}. This is the loan that has been rehabilitated successfully and should only be reported once! Loan # XXXX is being reported XXXX under the name of XXXX/Bank of America with account # XXXX with a balance of {$600.00} and a XXXX reporting under the name BK of America account # XXXX and balance of {$600.00}. This should only be reported once! I have attached documentation to reflect this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account has been permanently deactivated without reason for it and I am not able to close it. They are holding my account information forever without my consent. My ability to withdraw my account data from them has been taken away which I did not agree to when I signed up for the account. This is not fair and against the user agreement when I signed up for the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I recently saw a new story and it mirrored my exact situation with Navient. I literally called yesterday trying to find a way to pay on my loan which has continued to climb and is now almost XXXX ... They have me on the forbearance plan when I am trying to get an income-driven plan to actually pay this down but I get XXXX luck with this at all. Then last night I saw this ( XXXX ) story and I needed to contact you to get on board with this. They told me if I am eligible for this " forbearance '' for 20 years that I would fall under the federal aid act and would wipe out my balance completely. Seems to me they are using people like myself as pawns to make a huge profit from our government in 15-20 years by killing consumers with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was robbed at an ATM while XXXX, the XXXX can be seen in the camera footage. I requested that the bank review this information and help me recover any costs or proceed with police complains, they did not, and did not show any proof that they attempted to resolve the issue in any meaningful way.

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 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
I was given a prepaid reward card in the amount of {$1500.00} from my employer from Bank of America. It had an expiration date of XXXX that i did not notice. On that date i had a balance remaining on the card of {$580.00}. I called BoA on XXXX/XXXX/15 to get a new card and was told that they could not renew the card but would send me a check for the balance and it would take 7 to 10 days to get a check. I have not received the check yet and i have made 4 additional phone calls to find out why. During one of the calls, i was told that the check department might not refund my money that was prepaid since the account expired! I consider this stealing my money! I have not been successful in elevating my complaint beyond the lowest level person that answers the phone when i call the number on the back of the card. They keep saying they will make another check request but they can not find out if my money will be refunded. This is totally inappropriate as it is money that was paid to me from my employer and BoA should not be allowed to keep the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
On XX/XX/XXXX & XX/XX/XXXX, I was coaxed into signing XXXX in the amounts : {$5000.00} and {$9800.00} respectively. These ( XXXX ) student loans had an interest rate of 14.5 %. Repayment began the same day funds were disbursed directly to XXXX located in XXXX, NC. 
Between XX/XX/XXXX and XX/XX/XXXX, I made monthly payments totaling {$10000.00}. However, the initial balance increased over a 5-year period. I reluctantly transferred the ( XXXX ) XXXX in the amount of {$16000.00} to my credit cards.

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

Complaint:
I graduated back in XX/XX/XXXX with my XXXX in XXXX. Starting in XX/XX/XXXX I started with the loan that I currently have ( Was once known as XXXX now they are Navient. ) At the time I had no job but had a sum of money in the bank. So in a sense I should have been able to have been given options to replay my debt. They forced me into forbearance since I did n't have a steady income or job. The one I applied for stated that interest would not be charged but my debt increased overtime and now I have applied for forbearance again ( since I was not presented with any other options in my case ) but with interest on top. 
Also - I have received these " statement update '' emails from them. They were extremely vague, so much so that it was n't until nearly XXXX months later in the year of XX/XX/XXXX that I found out I was overdue in payments by XXXX months in which I had no choice but to file for forbearance for. Just recently they started to deduct points from my credit score. What is strange is that they have never done this XXXX XXXX. Actually no info about my loans showed up in my credit score until RECENTLY AFTER I applied for a forbearane with interest on top. In all of the time I have been with them, they never reported, even during the few times that I have let the due date roll by due to very vague emails. 
I also never received phone calls unless it was the above issue. Ever since that has happened, I have had XXXX phone calls, quite a number from them, from other credit services and more. Now I am close to {$70000.00} in debt, in a forbearance that will add even more interest to that amount and simply very confused about my options because now that loan company is getting sued/in the process of it and would like to know my options. I am living check by check while doing freelance work in my field. I am working towards my goal but with this huge debt and the very little options they presented with me, I do n't think I will be able to live at least decently for a while and that scares me. I would like to know my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America ignored my request for a modification loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I heard on XXXX news that XXXX XXXX was fined for credit card scams. The same credit card scam has happened at Bank of America in XXXX, Maryland on XXXX XXXX. Customers like myself had credit cards opened in their names without their knowledge. Bonuses was given to the bank representative that fraudulently applied for the credit card. I have reported my incident to XXXX bank managers in XX/XX/XXXX and the other in XX/XX/XXXX. I mailed a letter to the CEO of Bank of America in XXXX XXXX. I gave the current bank manager ( XXXX ) a copy of the CEO letter. XXXX filed a formal complaint on my behalf. An employee, XXXX was terminated ( according to XXXX ) for committing the credit card frauds and I was not the only customer the fraud/scam was committed against. The bank manager XXXX XXXX, did not file a complaint in XX/XX/XXXX. She acknowledged that XXXX had committed credit card fraud and I had not received a disclosure ; however, she requested that I use the card to get rewarded for purchases. In addition, I was to see XXXX XXXX should I have concerns, employee XXXX has a XXXX and she would take care of the situation. The purchase reward, according to XXXX XXXX, would pay the credit card balance after I used the card for XXXX year. I have used the card for one year and I have not received purchase rewards to pay-off the credit card balance. XXXX XXXX is working at a Bank of America branch in XXXX, MD on XXXX XXXX, according to XXXX. I am concerned that this scam involving Bank of America has not been addressed for I am waiting for a response to the letter I sent the CEO and the formal complaint filed by XXXX, Bank Manager. Recently I was sent a letter from Bank of America stating changes to my credit card agreement. How am I to agree with recent credit card agreement changes if I never received the initial agreement/disclosure? I have no idea what information was used to apply for the credit card. I never discussed credit card, never had any intentions on applying for a credit card with Bank of America, and only went to the bank the day the credit card information was submitted to get a check register.

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 2015-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
For more than XXXX years i have a line of credit on my rental on XXXX XXXX XXXX XXXX my regular payment until last month was {$180.00}. I just received a statement from BOA for the current payment of {$580.00}, that is XXXX times more from last month. I called BOA and after XXXX mn wait, the lady on the phone advised me that she can not answer my question because i gave the wrong zip code, i have tax record on the property that shows the right zip code i gave her and i have a payment receipt from last month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: IA
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 had multiple loan payments mishandled by Navient. They are either incorrectly entered, processed late, or not processed at all. All payments have gone directly to interest with no option to make payments on the principal balance, so my loans simply continue to grow. My payment amount have changed twice now despite having the same amount of monthly income, and I am on an income-based repayment plan. As it stands, my loans will never be paid off in my lifetime if I can not make any payments on the principal amount and my bills continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have private student loans from XXXX different schools. I have tried to make payment arrangements on these loans, but the lenders are not willing to work out or offer an affordable or reasonable loan repayment plan. I receive letters and numerous phone calls with the same end result.

Company response to consumer: Closed with explanation