BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had a XXXX XXXX XXXX XXXX credit card since the late XX/XX/XXXX/early XX/XX/XXXX having originally received an APR rate of ( if I recall ) 6.99 % given my excellent credit rating & payment history. Over the years, this APR has  gradually increased to its present APR of 8.24 %. I received a mailed notice that, as of XX/XX/XXXX, my APR is being increased to 13.24 %, an increase of 5 % points or approximately 60 % increase! When I called XXXX XXXXXXXX XXXX customer service, as well as their Retention/Loyalty division, I was advised that my credit rating & payment history remain excellent ; that there is nothing negative in my file that would cause the increase. The phone rep noted that XXXX XXXX has been " reviewing all lower APR customers '' & " bringing them up to the current APR rate charged to other newer clients ''. The phone rep said he has been getting a number of calls from longstanding, excellent cards holders complaining of these huge increases. I asked if I was being penalized for not having as much usage on my card this past year [ since I had a newer, 0 % APR Chase Freedom XXXX card that I had been using but, since this attractive rate is now completed, have returned to my XXXX XXXX XXXX card use again. I asked XXXX XXXX XXXX to reduce the upcoming increased rate to a reasonable % increase ; I was told my upcoming rate of 13.24 % APR is " still a better rate than our new clients get & also means your excellent credit allowed you to till get a better rate than some other long-term clients are going to receive ''. The phone rep also noted I tend to pay most, if not all, of my monthly balance off so, historically, have paid little interest [ a point I feel has NOTHING to do with the principle of the matter which is a credit card company ripping off excellent clients ]. THIS IS A RIDICULOUS INCREASE AT ONE TIME for a client with EXCELLENT credit history, FICO score, etc. How in the world is Chase allowed to justify this & do this -- a 60 % INCREASE OVERNIGHT for no reason other than they wish to make more money from longstanding cardholders. I wish to lodge a formal complaint & have your bureau investigate this action by Chase [ & no doubt, many card companies who have longstanding clients that pay very attractive APR rates ].

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
HSBC has failed to take action on my request pertaining to my credit card. There were fraud charges that they never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
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:
Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution XXXXXXXX XXXX and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account online with Bank of America and got approved. Made a deposit transfer from a different bank to bank of america and the transaction was completed on XX/XX/XXXX. Was able to login and see balance with the recent deposit money on my bank of america account. Then bank of america closed my account and are now claiming there was never any money in my checking account. I have confirmed with my other bank XXXX that the transfer was completed on their end and bank of america is the one who lost my money. They refuse to find out where my money went and have not paid me back my money upon account closure.

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 2018-07-31
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of year 2015, my city taxes were lowered due to reassessing the property with the county. This was my second time in doing this over several years, and was awarded a decrease in taxes both times, lowering the property value by half of what it was. This information was forwarded to Seterus in order to keep them informed, that my escrow should be lowered, due to reduced property taxes. Instead they increased my escrow account, for which I refused to pay, after trying to reach them by phone to discuss this matter, their customer service line is not a customer service line, but a collection agency, and no one would direct me to an individual whom I could speak to about my issue. I continued to make my on time monthly payments, only to have them separate the apparent prior months shortage causing the account to go into default. This resulted over the next several years late fees along with credit issues for which I challenged and won, as the credit agencies researched my account and agreed that I was up to date. I asked on several occasions a payment analysis from Seterus, which they sent me, unfortunately the readout was to confusing to understand, as I simply wanted to see a spreadsheet from them showing my payments to them, so I could compare to my monthly payment history, in order to verify myself. They refused to follow up with me, and since there is no one to speak to, all inquiries are sent to their website for review, and then they reply in a letter, not giving you an opportunity to challenge them. This is very frustrating, as they keep adding late fees to my account, that is up to date, and since I can not contact anyone from the company this will continue. 

Please advise so that this company can be exposed for very poor customer service.

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 2019-08-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Date : XX/XX/2019 Transaction : XXXX Amount : {$80.00} I received a product that does not match the description. ( They claimed they were lobster gloves but they are not. ) Seller does not respond, so I tried to go via my credit card company, but there is no way to contact the credit card company. I tried to file a dispute online and on the app but it does not allow for it. I would like the credit card resolve this with the merchant and credit my card for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Called Discover to dispute chargers under XXXX XXXX XXXX around in XX/XX/XXXX after trying to resolve issue with the company. Discover gave me the credit, but retracted back. I provided enough information to Discover, and clearly stated that those charges where not allowed. Company was really fishy, not returning calls, which phone number was only one, and it was the only way to get a hold of anyone. Discover postponed the evaluation, and finally declined my disputes after knowing that company closed on XX/XX/XXXX. Company/Seller never replied to Discover. I submitted proof of attempted getting something in writing, but how will the company reply when the company was planning to close and steal my money without me knowing. The companys phone number was only one, never return calls, and when i finally get the email, no reply whatsoever. Discover is saying that the charges are valid because the company/seller didnt confirm cancelation. The last call i made was on XX/XX/XXXX, and customer service/dispute told me she couldnt do anything. When i asked to speak with someone else, she did not direct me to anyone. I provided enough proof and clearly stated that the company was scamming me. Now Discover is making pay {$1700.00} when the company/seller was a complete scam, and Discover only  excuse is that the company didnt reply. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: Diversified Consultants, Inc.
State: CA
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:
On XX/XX/18 I made contact Diversified Consultants to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( DCI ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on DCI 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: CUSTOMERS BANCORP, INC
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought a desk for my mom on XXXX XX/XX/XXXX for XXXX, then she said that it still had not shipped she called them, the desk was not available, so I then ordered another desk for XXXX, the next day we found out that next was not available either .XXXX  refused to cancel both orders they said that they didn't have the desk, they don't know when they would get them in and since their system will not allow them to cancel the order I will have to wait until the desk arrive then refuse the order wait until they get it back and then up to 3 weeks after that .So I told them no i was not going to wait all that time for my money. I file a dispute, I also sent the bank the letter from XXXX stating they did not have the desks available. XXXX ended up sending the desk out I refused the first one and decide to keep the second one. Well the one for XXXX.So I canceled the dispute for that desk. XXXX sent me a refund XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX and sent XXXX on XX/XX/XXXX to a different checking account. those funds made it there but the funds to bank mobile say that they have not gotten the funds. When I called they said that they would expedite my case, then I got an email and they said that they would not. They are keeping my funds. XXXX is also going to refund me the XXXX, because one of the pieces to the desk that I wanted to keep was missing and they said they don't have the piece or another one to send me. I just want my money and then I want to close my account.

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 2018-07-31
Company: Synovus Bank
State: MS
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 a loan on a CD that was a joint account with my son. I closed that account out and the bank insisted that I had to have him with me since both of was on the account secured by the loan. I noticed a few months later that the bank was still taking the payment out of my account. I went to close the account and asked for my money and they told me that my son had came back and borrowed the same amount of money which was XXXX against the CD and I asked how did they let him do that because when I tried to borrow against it I had to wait until he was available and we both had to sign. I also asked how he managed to borrow on a closed account. I finally got some of my money back but, the bank never refunded me all the payments that they took from my social security check. I asked them in good faith to remove it from my credit file because I never signed and when I got my loan on it they would not let me get it without him being present. The refused so I am asking your assistance in removing this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am looking to be made whole, and have my {$35.00} overdraft fee returned, as no harm was done to Wells Fargo in my moving my personal funds from one acct to another. I have paid the {$35.00} fee for the XXXX payment, which as of XX/XX/2018 at XXXX did not show pending, but later posted and was backdated to XX/XX/2018. The acct transfer took place after XXXX on Friday, XX/XX/2018, with no pending transactions for XX/XX/2018 preventing the transfer of funds. I also immediately moved part of the money back. On Monday, XX/XX/2018, Wells Fargo emailed me and informed me that the acct was overdrawn and charged me the {$35.00} Fee. Spk w/XXXX, XXXX, and two add'l reps. Wells Fargo charged me a {$35.00} overdraft fee for moving {$600.00} from my personal checking account to my additional wells fargo checking. The transaction was done after midnight on XX/XX/2018, and also immediately moved back to the original checking account. Wells Fargo then charged me {$35.00} overdraft for my XXXX payment not clearing, which I paid, and an additional {$35.00} for moving my own {$600.00} from my checking to another of my checking accounts, which caused no harm to Wells Fargo. They are constantly imposing fees on consumers through backdating transactions, and not honoring the live available balances they show in the system.

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 2021-11-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I made several payments after my forbearance period ended. Which was XX/XX/XXXX. All overtime at my job had been halted I was barely bringing home enough to pay my bills in XXXX. My wife lost her job and I was the only one bringing home anything. Pennymac offered the forbearance program and it said on their website that it would be tacked onto the end of my loan. I provided them with all of the information they requested and waited just to be denied for a modification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was on the Discover credit card app regarding a current card. One of those suggestions came up saying to apply for a credit card and THAT IT WOULD NOT AFFECT MY CREDIT REPORT. I continued with the application based on that disclaimer because I did not want a hard inquiry on my credit report. I continued the process and hit the submit button. Automatically I received an email from XXXX  that I had an inquiry from Discover. I contacted Discover and they said that the initial request would not prompt an inquiry but completing the ENTIRE application would and there is nothing that they can do about it. This is the epitome of bait-and-switch and I would not have applied for the credit card if they : 1 ) had not suggested it 2 ) said that it would be a soft inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Convergent Resources, Inc.
State: CA
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:
There was a collection added illegally back to my credit report on XXXX XXXX, XXXX by CONVERGENT OUTSOURCING, INC. XXXX XXXX XXXX XXXX XXXX, WA on behalf of XXXX for {$1600.00}. This account was previously deleted in XXXX due to their use of improper protocol when attempting to collect an invalidated debt as well as it being fraud. I was not sent the legal notice that this account was resold or the required 5 day letter that this collection would be added back to my credit report. I would like this collection removed again as it was and the collection agency to no longer attempt to collect an invalid debt. This is causing an extreme hardship by damaging my credit continuously with fraudulent information. This situation is causing me loss of money, time, credit resources and severe stress. Notices have been sent to the company requesting action with no response. This is now becoming harassment and I would like this resolved immediately or I will have to take legal action. It is already difficult enough as an Identity theft victim trying to repair and replace the things I 've lost and this illegal action just adds insult to injury.

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 2018-03-12
Company: Experian Information Solutions Inc.
State: NY
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:
I reached out to Experian about some errors on my credit report as of XX/XX/2018. this is now my third time contacting them. I have still yet got anything back from Experian showing how they validated the items. Their last statement to me is they aren't going to investigate the items listed below.

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 2018-10-08
Company: EQUIFAX, INC.
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:
I have disputed the late payment status reported on the account XXXX FKA XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2019, I called XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX ) to find out my PO, as I paid on time for 2 years with no issue. The rep on the line advised me my PO was over {$1400.00}. I asked how is this possible when I just spoke with a woman less than a month ago there who advised me it was under {$200.00} left which is a huge difference. The rep then put a co manager on the line by the name of XXXX. I explained that I was confused and that I'd just spoken with someone who had given me drastically different information. I explained none of the reps I recently spoke with made no mention or warning about closing the small balance by a deadline. I never directed any of my panic or confusion towards him as I, myself, am in customer service for a living. He instantly got disrespectful and irate as if my problem offended him. He was extremely rude, belligerent, and used a plethora of slang and nearly curse words towards me. He even told me I need to " shut up '' and threatened me. He said that he would reverse the balloon interest that occurred because it had only been 5 days. He told me to hold on to take care of it and then transferred me to a man named XXXX. XXXX advised he was the manager and that he was " not helping me ''. I told him what the manager prior had just promised to put me on hold to take care of it so that I may pay my shortage and that I was not sure why or how he got on the line, given he wasn't saying anything. He said he did not care, that he was not helping me and did not care about what XXXX had just stated to me. I asked were the calls monitored and recorded and he told me they are not. Each question I then asked, his only reply was " I'm hanging up ... ''. I called a different Tower Loan location upset to my core and crying as {$1400.00} is not affordable especially after he promised to fix it and that it was resolvable. The location I called advised me that this store heavily gets complained on about the disrespectful managers and that the calls are indeed recorded and that I had been lied to by XXXX. I even called back to get corporate information and was denied any contact information.

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