BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated from XXXX school and immediately consolidated my XXXX and XXXX loans through XXXX who then sold to Great Lakes and began making payments. I applied yearly for the income-driven repayment plan and was approved. I made payments on time every month through direct deposit for 7 years. My loans were never in deferment. 

I recently discovered that after 25 years my loans will not be forgiven because of making greater than XXXX a year. I have paid XXXX over the past 7 years and my principle is still the same as when I started and I've accumulated XXXX in unpaid interest. I feel misguided and taken advantage of. Essentially its been a 7 year and XXXX loss for me. I was under the understanding that if I make my income driven payments on time for 25 years that my student loans would be forgiven. 


Since discovering this I've refinanced through XXXX  at a lower interest rate. I had to combine my principle to the XXXX of interest and now I'm paying $ XXXX/month for 20 years. That XXXX of interest is now collecting interest again through my new plan. 


I didn't know that it was legal for a company to have you yearly apply for income-driven, be approved, and given a monthly payment that didn't cover the cost of interest. What would have happened after 25 years of payment when I thought my loans would be forgiven? Essentially I'd have the same principle I started with and XXXX of unpaid interest. I am so discouraged, disappointed in the guidance or lack thereof provided by Great Lakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: SECURITY FINANCE CORP
State: GA
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:
This company failed to charge a late fee to me for my XXXX payment. XXXX payment was due XX/XX/XXXX I paid XX/XX/XXXX so I paid before 30 days. I called and told them to run my card for what was due. My XXXX payment came due XX/XX/XXXX I paid XX/XX/XXXX. Here they said you owe XXXX I said why they said they forgot to charge you the late fee for XXXX I was upset asked will that affect my credit because that was their fault I was told no. XXXX comes and I see I got a 30 day late flag on my credit reports. I call them no help. They tell me in right just dispute I have 3 times and they keep reporting I was late 30 days on my payment for XXXX even though XXXX was paid XX/XX/XXXX. They are saying because I paid the late fee late but that late fee was for XXXX for one and I did not pay it late, the local office didnt take it with my over the phone payment on XX/XX/XXXX. This is deceptive business practice and they refuse to take ownership of the issue. I always pay before 30 days is up and because they failed to take the right payment amount they wont remove the late payment report. Ive paid before 30 days every month ive had this acct!

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 2017-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
JP Morgan Chase Bank abruptly closed ALL of my checking ( s ) and savings accounts without notice and without reason, no explanation was ever providedon XXXX XXXX, 2017 day before XXXX. Chase bank also returned my outstanding checks, even though there was sufficient funds for them to clear. Additionally, Chase informed me that due to the alert on my checking and savings accounts, no checks, electronic drafts or any payments would clear my accounts. Again, without an explanation or reason. Despite the fact that until now, Ive maintained excellent credit and have had over a 15 ( fifth-teen ) year relationship with Chase bank. 
Consumer Harm : Chase bank has inflicted irreparable harm upon my credit worthiness, character, financial good name and honor. It refuses to honor my direct deposits, and release available funds from my checking account to vendors for remittance of payment. Since XXXX XXXX, XXXX, day before XXXX all of my outstanding checks have been returned unpaid. The banks fraud department continues to deny me access to withdraw my funds and close-out my accounts. This treatment is a severe form of harassment and bullying -- -toward a depositor, and consumer account holder. Please urgently investigate the matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We used the XXXX card to pay for 3 different dental procedures over the span of 2 years and we were given 18 mo. to pay off each procedure without incurring interest.

After we used the card for the first procedure, we set up auto-pay through our bank to ensure that amount would be paid in full prior to the conclusion of the 18 mo. promotional period ; however, XXXX began applying those payments to all 3 charges which cased the first to exceed the 18 mo. 

We contacted XXXX to request they waive the interest and we would pay the entire balance in full which they denied. Additionally, they were unable to assist us with questions regarding charges more than 1 year earlier, telling us we needed to write a letter to inquire about charges prior. 

The rep we spoke to even mentioned this " is like a credit card '' and as such, first dollar in should be paid, as is the case with every other credit card. XXXX prays on people with busy lives who rely on clear understanding up front. XXXX argues the terms of how payments are applied are noted in the terms however I see no such information noted in the terms on the reverse of the latest statement. 

BEWARE OF XXXX XXXX PREDATORY PRACTICES. IF YOU HAVE MORE THAN ONE PROCEDURE, CONTACT THEM TO ENSURE YOUR PAYMENTS ARE BEING APPLIED THE WAY YOU WANT/EXPECT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, this complaint is an extension to my previous complaint. I asked my mortgage company ( caliber ) to do me a loan modification more than 10 times and they promised to do it and so far ( about 5 months now ) I did not even received the loan modification application yet. 
My monthly income have been reduced because of covid and I need a lower monthly payment so I can resume payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.

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 2019-04-30
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My x stopped me from making payments at XXXX XXXX at XXXX i already had a modification in place he changed my mail go my banking info.and personal info he refi.with out me knowing he got lines of credit he took my name off the note so i couldnt refi.it went to XXXX XXXX then he refied against n in XXXX XXXX XXXX found fraud on his paperwork the it went to shell point sevicing my fiance and i tryed to refi and was approved.my x was told by the court to sign off of the house he has not shell point refused my XXXX payment to pay off the house which i only owe XXXX the extra XXXX was a line of credit uses by my x.shell point wants to forclose at auction on XX/XX/XXXXto forgive the debt since shell point refused pat ment or my mod. I did througXX/XX/XXXX my home.ive spent over 10,000.00 on a attorny that didnt do anything.im trying to get a volenteer attorney to go to fed court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call today from Williams and Fudge for a balance I may possibly owe to XXXX University. They call repeatedly and Ive talk to ever so reps and explained to them that my hours had gotten cut due to the pandemic. This particular call the rep says, are you not able to pay because you arent working. We can set up arrangements. I tell her Im it able to do that at the moment. She says, well weve been contacting you since XXXX and havent collected any form of payment yet. Once this Virus is over we are going to want payment. I am going to call this company back and file a complaint. That was a tactic to scare me. I can not change my situation. Nor do I have the finances right now to set up and arrangement. They cant bully me into a payment! I feel attacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Union Home Mortgage Corp
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Union Home mortgage escrow payment has been incorrect for two months. I submitted a request to have this reevaluated on XX/XX/2019 and was provided an incident number XXXX. The escrow is still incorrect. I have called multiple times for resolution and nothing has been done to fix the situation. Customer service is difficult to reach with hold times exceeding half an hour. Every time I speak with a service representative I am told they will get back to me in 5-7 business days. Nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cavalry Portfolio Services has an open collections account listed on my credit report, which is of an old debt that was closed. Cavalry Portfolio Services relentlessly calls me ( both home and cell ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple times per day. They have been told by multiple people to stop calling, and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has two open collection accounts on my credit report that is old debt that they continue to resell/renew to maintain open status. Also XXXX XXXX continues to call multiple times per day to my home, my cell ( never provided them the number to any of the following ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple people have asked them multiple times to stop calling, but the calls continue. I have blocked multiple numbers but to no avail they just call from another number. They are harassing me and my family over debt that is old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank held payments which led to Inaccurate account info causing overdraft fees on numerous occasions

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 2018-05-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has an open collections account listed on my credit report, which is of an old debt that was closed. XXXX XXXX XXXX relentlessly calls me ( both home and cell ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple times per day. They have been told by multiple people to stop calling, and they continue to call.

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 2018-05-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to apply for mortgage assistance with Chase several times since my Ch XXXX bankruptcy and each time I applied they gave me the only option to short sale the property or complete a deed in lieu of foreclosure. They had a realtor come look and take pics of the property in preparation of a short sale. I have been in this process since XX/XX/XXXX. I had an offer right away was almost at closing when Chase closed my file reopened the file only for the potential buyer to walk away. We had to start the process all over again with a new potential buyer willing to give fair market asking price of {$85000.00}. Chase continued to have my realtor sign papers and had the documents forwarded to the buyer all the way up until XX/XX/XXXX. Chase failed to request a postponement of the foreclosure date. When I called Chase XX/XX/XXXX they informed me the House was now in active foreclosure and that they tried to request a postponement with XXXX XXXX the investor and their attorney office. I contacted XXXX XXXX Attorneys office and they informed me that Chase did not reach out to them for postponement. Im very upset because I complied with everything Chase was asking of me and to allow my home to be foreclosed on, the potential buyer who was so patient in this drawn out process now has no deal to close on. From the very beginning Chase has not been helpful in this matter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting me incorrectly 120 days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax and XXXX  credit services are reporting different account histories. XXXX  is reporting from XX/XX/XXXX to current, while Equifax is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. Equifax is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while XXXX  is less days late. Equifax said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX, family member contacted by a company called XXXX XXXX. XXXX XXXX XXXX regarding a credit card from XXXX. Account has been written off a long time ago. She gave an amount and said she was calling in behalf of Bank of Barclays. sHe did give me a supposed balance due and a settlement amount figure. As I asked more about this debt, she became very rude. Then she said I had a choice to settle or go to court. I was being served if I didn't handle debt today. I was hung up on as I asked more details on who the debtor originally was with and can i have a contact number. I called back to speak with the person and she proceeded to tell me she was not up for discussion. All information was verified and they were going to serve me. Believing this is a collection company trying to strong arm me into paying them something because they bought the bad debt. i agreed to pay a settlement amount and set up payments. a form was sent via XXXX and i signed it thinking everything was legit and money would be drafted. today i received a called from unknown that says : This is XXXX with XXXX XXXX contacting me on a complaint case. She said i had discussed with them on arrangements of XXXX. ( I intentionally scheduled payments on paydays to make sure funds was in the account. ) She stated the case is now active again because the installment was declined. if i don't contact them by XXXX to settle, i will need to appear in court. they left a number of XXXX ext XXXX. This number does not even work. I have called multiple times from different phones. Now I think, I have been set up and this is a scam.

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 2021-09-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX XXXX XXXX promised me XXXX a new XXXX  XXXX if I traded my car in they would use part of it as a down and the rest cash, they said oh they can do it then they change their tactics saying I need to put XXXX down I am complaining to the Nissan Motor Acceptance Corporation Fulfillment department for denying credit, I was discriminated against for credit denial, I want to purse this matter XXXX XXXX XXXX needs to give the XXXX for XXXX down, and low payments, they pressured me into trying to get it wonder if they took my trade, then I could not even maybe get my car back and would have to return the car,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please remove personal statement ( s ) :XXXX & XXXX18 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX18.

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 2017-12-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive tried countless times to have my unauthorized inquiries removed. Ive faxed, mailed, and called countless times. And its due to their breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am enrolled in the Public Service Loan Forgiveness program and have been since 2011. However, despite making many, many payments under this plan under the required criteria set forth, XXXX XXXX will NOT count my payments toward the plan and despite doing all that is required of me, is claiming that I 've only made 16 payments toward the plan, leaving me with 104 more payments. When I ask them for paperwork they wo n't provide it. What they have provided proves that I 've made more payments ( all of which have been a struggle to make ) and when I point this out to them their customer service representative tell me it 's on me to prove it, and that I need to write a letter proving why I 'm right and they are wrong. They have made absolutely no attempt to correct their wrong. In addition, there has been several times when they have charged me mystery fees that are simply unexplainable. 

The final straw for me is that after making another two years worth of payments, I just received a notice from them stating I 've only made 16 qualifying payments. Again, they provide no explanation. I 've stayed in public service because of this program and it 's ended up being a total disaster thanks to XXXX XXXX. 

This situation, being just one customer up against the machine of the Federal Government, is extremely overwhelming and defeating. I do n't know where else to go or what to do. I know I ca n't be the only one ... .I read that the State of Massachusetts is filing a lawsuit against XXXX for the exact same problem I 'm having. 

Please, please help me. This is so wrong and I need help fighting this terribly corrupt company.

Company response to consumer: Closed with non-monetary relief