BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Bank of America refused to renew a home equity loan that I had had since 2000 because of a fraudulent quit claim deed on my property. While I was in a process of loan modification, they reported me as delinquent to the credit agencies and my score went down significantly and now I ca n't get a home equity loan from another bank. Bank of America will not answer my emails. I have XXXX contacts there but they will not talk to me anymore. I have a detailed letter that I would like to send you but I ca n't see any way to do this on the website. 

FYI. None of the above options accurately identify my problem. You should have a " None of the above '' option.

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 2016-01-02
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
As a cosigner for my children the Credit reporting agencies have or keep reporting late payments when my son ( XXXX ) has reached agreement through Chapter XXXX Bankruptcy and my obligation as a Cosigner has been removed from these private loans through the fifth District court in Minnesota through a Stipulation of dismissal without Prejudice to the XXXX XXXX XXXX XXXX XXXX a XXXX. Another was filed in California since my son lives there.However, I have been unable to effectively contact the credit reporting agencies as they just are not interested. Please keep in mind that I 'm a XXXX permanately XXXX Veteran .My credit scores indicate I have missed payments relative to my sons school loans when ( in fact ) Navient is still posting and they do n't realize I do n't miss payments period on anything..the record speaks for itself!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-13
Company: Navient Solutions, LLC.
State: AL
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 initial student loan was financed by Navient in 1995. Since then I was approved for student loan forgiveness and the loan through Navient was paid in full and transferred to XXXX. Navient sent me a document thanking me for my business and documented that that loan is paid in full with a XXXX balance and paid as agreed, I have that document. At current Navient is reporting a late payment from back in 1995? That makes that unethical reporting 21 years ago? Please help me as I am actively attempting to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Navient Solutions, LLC.
State: TX
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:
They are reporting the same account on the credit 3 times making it appear as if there are XXXX seperate loans

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I was searching to buy a car at local dealership and was not able to find anything decent under {$10000.00}. Someone mentioned XXXX. I went into XXXX and found a XXXX for {$4000.00}. I reached out to the seller a XXXX XXXX and we communicated through email and text. I was sent an XXXX link to go into to buy the car at the end it instructed me to go Bank of America to deposit the money. I was given a name " XXXX XXXX '' and an account number. I went to bank and made the deposit on Saturday XXXX XXXX. On Monday, I called the XXXX phone number to confir receipt and to find out when I will receive the car. The phone rang and no one answered. On Tuesday, I called XXXX directly and they informed me that they have no record of this item being sold and they are pretty sure from what explained to them that it is a scam. I immediately went to the bank to notify them and to request that they put a hold on that money the {$4000.00} until investigation is done. The bank refused. I called their fraud department XXXX times to explain what happened and to ask for help, they said that they can not do anything. I went to the police and filed a complaint with the local sheriff and the FBI and notified the bank of such actions and provided all the evidence to show the bank that this is a scam, such as the deposit receipt, the emails with the scammers, the complaints and nothing seem to appeal to the bank. Even though, they know who is the owner of the account, they know that it is a scam, they are not willing to provide any information to help in the search of this scammer and to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Charged another overdraft fee for a XXXX overdrawn balance overnight. Subscribed to overdraft protection through a linked credit card. Overdraft protection was not provided. Was assessed a XXXX XXXX fee for being overdrawn, even with overdraft protection in place. One again, transactions were ordered in order to facilitate an overdraft. 

Completely nonsensical issuance of the fee. Balance was allegedly negative XXXX, but with the overdraft fee, the account was only overdrawn to negative XXXX XXXX, thus indicating that there was a positive balance in the account. This is wholesale fraud and clearly the result of reordered transactions. 

The account was not overdrawn, since a XXXX penalty only resulted in a negative XXXX balance.

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 2015-11-12
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been getting calls from a Pioneer Credit Recovery ( a Navient Company ). They are continuous all day long. They say they are collecting on a student loan. They are harassing relatives of mine that have nothing to do with this. They are obtaining private unlisted numbers somehow. I did a little research on this company and it seems they lost their contract to collect on these loans because of their collection practices. So how is it that they are still operating? I would also like to send a written cease of communication notice to them but do n't have an exact address to send it to. They have several offices. I get calls XXXX. Is there a main/corporate office that I should mail the written cease of communication to? They have never sent me anything in writing about this matter at all, so they obviously have an old address although I 've lived at my present address for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: NJ
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:
I have had my loan for 11 years and somehow still owe XXXX more than what was distributed ... I 'm currently on a payment plan and keep getting noticed that I 'm behind this is out of control

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been applying and submitting some documents to Bank of America loan modification department since XX/XX/XXXX. They have been losing my documents and/or just giving me a run around. It 's a XXXX loan Heloc with balloon payment program. They have been assuring me that they 're working on getting me a loan modification while at the same time, they are also working on foreclosing us since they have filed a notice of default in XX/XX/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 2015-04-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Today, XXXX/XXXX/XX/XX/XXXX, at XXXX XXXX CST, I received a phone call from someone stating that they are with the XXXX and that they are representing HSBC Bank. She stated that they are working with HSBC to file Felony Theft of Business Services charges against myself and my husband due to a vehicle that was repossessed from us. The vehicle was repossessed back in XXXX XX/XX/XXXX. She stated that HSBC has been sending letters to us, but we have not received anything to date in regards to this. The address that they have supposedly been sending letters to, we have not lived at for over 6 years. We put in a forwarding address with the post office and our current address is listed on file with our credit report. The original creditor HSBC has already written off the debt and it has already fallen off of my credit report. I have not seen the collection for the debt listed on my credit report any longer as of XXXX XX/XX/XXXX. Can they legally file these charges against us on a debt that is almost 8 years old? Is n't this considered a " Dead Debt '' which in Texas is illegal to collect on? When I requested written documentation, she stated that it would take 30-45 days to receive in the mail. She stated that they only have it in their office for the next XXXX hours before it goes to be processed for a summons for court. She did not ask for my current address. She also stated that I would be receiving a summons in the mail to appear in court in regards to this matter. HSBC has made no attempt to contact me since XX/XX/XXXX when the vehicle was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i am 27 days behind on my mortgage because of trying to get clarity on what i owe so i called ocwen sunday and wednesday to find out what i owed.before i called i went on the internet and they said i owed XXXX dollars and on the automated call it said XXXX dollars.I called the relationship manager XXXX XXXX and he said that i owed XXXX dollars and i called relationship manager Somya XXXX and she told me at first XXXX and then XXXX.I asked for a breakdown from XXXX XXXX and was told that my basic mortgage was XXXX but i had late charges of XXXX and i had a suspense payment of XXXX XXXX cents which is called unapplied funds.I paid XXXX and a XXXX late charge.he told me that because i owe late charges my late charge doesnt count it goes to unapplied funds.he told me that not only do i owe late fees but i owe XXXX cents of miscellaneous charges in which he says could be anything from property inspections to whatever to certified mail in which i dont receive.I dont have to know that they are doing a property inspection they just drive by and then charge me.when i called last month the relationship manager told me to pay XXXX and late charges XXXX.I was told by XXXX and XXXX that if i dont pay the full bill it will get higher and higher.This is what they do adding on extra cost and extra charge until i be in foreclourse.NO CLARITY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: MO
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:
I took out loans a few years back to help pay for my college. I went through XXXX XXXX as well as a few Federal loans. XXXX XXXX consolidated all of my Federal loans, and they charge me around 4 % interest which is fine. XXXX XXXX could not take over my other loans from XXXX XXXX and Navient as they are private loans, I tried, both companies declined. Now, I have XXXX with XXXX XXXX and XXXX with Navient somehow. Why could n't my loans stay with XXXX XXXX? My XXXX with XXXX XXXX range around 7 % which is higher than my Federal loans, but manageable. However, Navient is raising my rates every few months without notice. I believe they are acting unethically. When Navient took over my loans, my interest rates ranged between XXXX and 8 %. I have been on auto pay since XXXX, and now, my rates increase without any notice. When I question it, and I 'm always unable to speak with a Navient representative over the phone despite many efforts. They finally emailed me back saying that there was nothing I could do, it was up to them to set the interest rates. Then my rates jumped to over 9 % ( always no warning ). As they stand, XXXX of my loans at Navient are at exactly 10 % interest rate. Within less than a year, they rose to 10 %. I feel like something has to change. I am paying over XXXX dollars a month a year after graduation. I ca n't afford to live. My fiance pays over 80 % of our modest apartment. This is no way to live, please help. 
Sincerely, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Bank of America has wrongfully, maliciously and fraudulently denied insurance for an auto accident rented under compliant terms as expressed by the bank. The subsequent communication has become more and more anfractuous by the bank as they continue to fabricate lies and misrepresentations about the circumstances and their coverage. They have used this wrongful denial and broken representation to leverage negative credit reports for XXXX people, XXXX of whom were not involved whatsoever in the incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: NJ
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 borrowed approximately 20,000 for college and grauated in XX/XX/2007. Since that time my loan increased by 50 % or so. I noticed on rexent tax documentation that it seemed like too much of my payments were going to interest. I called Navient and the rep told me i was enrolled in a program that required interest only payments for two years. Thst was in exchange for a XXXX reduction while i was on maternity leave. The rep who signed me up did not inform me of those terms. I thought they were simply reducing my payment temporarily with no penalty. At this point we have lost about 4000 to this predatory program i was enrolled in with out my knowledge. The navient reps told me there was nothing i could do and faulted me for being irresponsible with my loans. I spoke with another rep who offered to enroll me in the same predatory program at a worse rate. I emailed about returning the money to the proper principal/interest ratio but have not heard back yet from Navient. When i googled their website i saw that rhey are being sued for dishonest lending practices. I read that there are many repayment options on federal loans. I have called repetedly since XX/XX/2007 requesting repayment options and the only thing i was ever offered was forbearance and deferment. Years ago i learned about income based repayment. I called and asked the reps about it myself and applied twice. They told me i made too much money to qualify. I made less than 30k annually. J recently learned that this program is open to all borrowers. Instead of enrolling me in income based repayment while i was working, the loan company lied to me about qualifying advised me keep the loan in forbearance until i could make a larger payment. Even while i onky had partime work during the recession i asked if i coukd pay XXXX towards my loans and the reps refused to take the payment. One actually laughed at me and again told me to forbear. When i hear that there are programs and i could have had income based repayment for years i feel beside myself because my loans might be close to paid off instead of 50 % more than what i borrowed. I am beside myself and it is very upsetting. I hope you can help me and many others get our payments properly applied to the loans and get rid of this fraudulently accrued interest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Navient Solutions, LLC.
State: LA
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 call then XXXX XXXX in 2013, after losing my job, to get a loan forbearance or something to postpone payments until I was able to get a job and get back on my feet. I was told by the representative that I had negative income and they could not help me. I luckily found a job a few weeks later, but I am not cut 20 % of my pay do to the current XXXX. I talked to now Navient last night about my current situation and they tell me I have enough disposable income to make their payments. So she told me that there was nothing they could do to help me. They would not listen to the medical bills I have accrued within the last year that I have to pay, but they are not a monthly expense, so they would not take it. I am currently two months behind on my vehicle note and one month behind on my mortgage. I am consistently behind on something every month so that I can try to catch up another. I can not ever get any help from these people. They always put it on my co-signer, who makes substantially less than I do. She used to help out when her husband worked XXXX, but now they both make just over mininum wage with their own bills to pay. My total bill keeps growing. Originally I owed {$21000.00}, now that has grown to {$32000.00}, with no end in site. I also have a recent federal consolidation loan through Navient ( $ XXXX ). And a prior student loan that I am paying to a collection agency for a company that went bankrupt called XXXX XXXX XXXX ( $ XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello Viewers, I 'd like to start by saying, i brought a toyota pruis 2010 at XXXX, put down XXXX dollars, and they made my payments XXXX a month or XXXX biweekly which is fairly affordable. But once i realized the many issues of this company etheir not receiving my payments for months at a time or late each time without notifying me, I became skeptical and highly frustrated. I always called them or answered my phone for them to sort things out and stay in good standard. But now almost 2 years later only being late 3 times, i still owe XXXX, XXXX. How in the world is this possible when I am told often to recheck my balance on line to see accuracy ... or wait for the statement..all in which XXXX say I owe XXXX XXXX still. I feel ripped off and stuck in a worst runt than before getting this car. I feel I am stuck owing this company for many more years and nothing is being done about them ripping people off. I pray to get out of this Unreasonable and unfair loan right away. So DO NOT TRUST the representatives that call you for Consumer Profolio Services because they do not hold to their word. They make verbal agreements or promises but when you check your remaining balance on your loan, it shows way more than you actually owe each time. They also do not communicate well with XXXX another about your personally information or changes in your loan. They will take your funds before and after they are due without permission. Causes your account to overdraft or double pay. They will continuously charge you even if they have said they waived late fees, and claim they put your payment 's in the back of your loan even when you caught up with your car payments. They will call and harass you all through out the day even when you make a payment agreement and stick to them. They find ways of receiving your payment 's late or say they are unable to take your funds due to the bank not releasing it, which I found each time to be a lie. These faulty errors make your loan extremely hard to decrease or payoff let alone go away at all. It is not worth anyones hassel to deal with this unprofessional and very rude company. Take your services safely elsewhere. Itll save you the stress in your life and not having to owe a loan 50 % more than what you actually owe. I truly hope this was helpful to someone reading about Consumer Porfolio Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Unfortunately, about 6 years ago my loan was sold to Ocwen loan servicing. I always pay my mortgage on time and submit required insurance documents. XX/XX/XXXX, I received a letter requesting a copy of my mortgage insurance documents. I submitted this to Ocwen but received a subsequent letter so I called them. They told me they hadnt recieved proof of coverage. I asked Ocwen if any requirements had changed and they said no. This year my homeowners association changed insurance providers so I contacted my HOA to please send Ocwen the proof they were asking for. I went back andforth with Ocwen for a few weeks, when come to find out XX/XX/XXXX they are requesting an interior insurance policy. I only found this out once I got a letter stating they are charging me {$1800.00} for interior insurance!! I purchased a policy in XXXX, although this has never been required before but Ocwen is now refusing to return half of the premium to me since they purchased a policy on my behalf back dated to XX/XX/XXXX, before I even received the first letter. What makes things worse is now they are again sending me letter, saying I need flood insurance. Since my condo has flood insurance I requestedd my HOA send them all the documents and called Ocwen two weeks ago and they told me I was fine that they had my flood policy on file. This past week, XX/XX/XXXX. I received another letter requesting flood insurance. I again called Ocwen, only this time was told that my existing flood policy covered the building but not the interior so I would need to purchase a policy or they would purchase one for me. Ok clearly I see that my mortgage company is running a money making scam here. They are forcing me to purchase high priced policies never before required. Why do I need an interior flood polucy when I already carry XXXX insurance policies on my XXXX bedroom condo, in excess of {$400.00} per month, and I live on the XXXX floor!! When I call to ask them, the first few times they assure me I have proper coverage, then they change the story later only to ensure they can slap me with a backdated policy and scam me for thousands. Please help me!

Company response to consumer: Closed with explanation