BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: JPMORGAN CHASE & CO.
State: NY
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 been a credit card customer of Chase since XX/XX/XXXX. On XX/XX/XXXX, I received notification that my credit card interest rate was increasing from 10.24 % to 15.24 % on purchases. The reason for the increase was " because your APRs are below the lowest APR we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' When I called Customer Service and asked what my options were they stated that if I did n't want to accept this change, I could reject the change and then my account would be closed, I would not be able to charge anything further and that I was responsible for paying back the outstanding balance. 

Chase had upgraded me to a Chase Sapphire card due to my excellent payment history and responsible use of the card. Please note, that back in XX/XX/XXXX or XX/XX/XXXX my rate was changed to a higher rate due to a late payment. I never again made a late payment from that point on. 

We had recently gone abroad for vacation and I called to ask for a line increase ( just in case we needed it while on vacation ) and no one mentioned that this rate increase was coming and they added more of an increase than I even requested ( I asked for a $ XXXX increase to my {$13000.00} line amount and instead they increased my line to $ XXXX ). So now, the outstanding balance is very high and I feel like they are taking advantage of my high balance to gain more interest. I signed an agreement and feel that I have lived up to my end of the bargain. Chase never stated to me that they could raise the interest rate because I did n't have other accounts with Chase or because MY rate and MY agreement was better than what Chase offers currently. They offered me no alternatives to keep the rate that I have. 

This can not be legal. This rate increase will pose a significant hardship to me on paying off this balance. Does customer loyalty, making payments on time and as agreed to not count for anything anymore? Why, in the past 10 years have I never experienced this kind of rate increase before? ( The only large rate increase prior to this was my fault due to a late payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted the company multiple times, stating that I am unable to constantly make these high payments. Their response is always, " There is nothing we can do to help you. '' They are making it very difficult to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I filed for Chapter XXXX Bankruptcy. I successfully completed my chapter XXXX bankruptcy in XXXX XXXX. Shortly after my discharge, I got a notice from Bayview that I was 229 days delinquent on my mortgage and the amount due to bring my loan current is {$16000.00}. I disputed the delinquency amount and I found out that they have my account in suspense. I contacted my lawyer who then wrote to Bayview to remove my account from suspense and credit my payment accordingly, but Bayview did not do that correctly. On the Post-Petition Ledger from Bayview Transaction date, XXXX/XXXX/XXXX amount received {$11000.00} this payment was not applied correctly. 

I also told them that if I had missed a payment while I was in bankruptcy, they were by law supposed to call the bankruptcy court as well as my attorney to report me and that they were in violation of the bankruptcy code. Since then, I have been trying to deal with them. They sent me an application to apply for a loan modification, making home affordable to avoid foreclosure. I accepted the offer and I applied for a modification. I submitted all the necessary documents as requested. Three months later Bayview denied the modification stating a Negative NPV- that the owner of my loan did not approve a modification. 
They gave me alternatives to pre-foreclosure or Deed-in-Lien. Bayview tactics are unethical and illegal, they are making it very difficult for me so that they will foreclose on my house and make money.This company is just awful, does not record all payments, even though the checks were cashed and I have proof from my bank Attached are my correspondence to Bayview and the Post-Petition Ledger from Bayview showing all my payments.This company is just awful, Bad COMPANY TO DO BUSINESS WITH. A lot of negative complaints about this company, they have destroyed a lot of families. See attached compliant. 
https : //www.consumeraffairs.com/finance/bayview-loan-servicing.html? page=2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a few addresses listed inaccurately, so when the company of which I owe the debt to attempted to contact me they were unable to due to the fact of having inaccurate information inturn the debt was sold off to a collection agencys I also was exonerated on the bail by the judge so the only fee I should owe the bail company is the process fee not the the amount being portrayed

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 2019-11-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2019 my checking account was short of fund for a couple of bucks ( less than {$50.00} ) for the last 2 hours and after that really short time, I did fund my account, as I always do ( I do have a link savings account ), and direct deposit also. Then, to my surprise on XX/XX/XXXX TD bank charged a fee of {$14.00} because of an insufficient fund that I actually trying to figure out if after 20 plus days TD Bank can do that retroactively, because of my two accounts with them have enough fund since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am in active chapter XXXX bankruptcy. Bayview refuses to provide any information about my loan ( distribution of funds, current balance, payoff amount ). <P/>I have several prospective buyers for my house, but can not discuss offers without knowing the payoff amount. Bayview said they will only provide that information to my attorney. <P/>My attorney sent a request to Bayview last week, but to date there has been no response. <P/>I am concerned that I may lose a prospective sale due to Bayview 's lackadaisical attitude and notoriously terrible customer service. I am trying to sell my house so I wo n't have to deal with this useless company ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, a person who goes by the name of XXXX scammed me out of {$120.00} for music festival passes on XX/XX/2019. The event was called XXXX XXXX XXXX.He sent a zelle request under the name of XXXX XXXX saying it was his business account. He claimed he was on tour dj'ing and will let me pick up the passes at will call. When I inquired about receiving a confirmation email, he blocked me on XXXX.i proceeded to contact him on XXXX and he blocked me on there.I contacted my financial institution ( XXXX ) to report it. It is being investigated. I also contacted Zelle and they opened a case.Upon doing research, his name is XXXX XXXX XXXX and he is from XXXX, IL. I saw on XXXX, several other people have been scammed by him. I was not able to screenshot the messages on XXXX between us because I was blocked. They all disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to XXXX, Experian & XXXX. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today is/XX/XX/XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!

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 2018-01-25
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2016 I filed a Chapter XXXX Bankruptcy and the Servicer Caliber home Loans was obligated to post approximately {$5500.00} in the suspense/unapplied payments account to my post petition regular payments, plus another {$4500.00} approximately that I sent them during 2016 and they failed to do so. I need them to immediately send me an updated balance and payment sheet as soon as possible with all of this payments posted correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
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'm having issues with Experian they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not, XXXX XXXX XXXX. Experian keeps on dropping my score for no reason like they claim. Experian pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when I sent in my picture ID, SS card #, address, & also my light bill. they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the company paperwork & paid certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: Total Card, 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:
I filed an original complaint against XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX regarding a wrong reporting 30 day late pay on the credit card account complaint number XXXX. ( I have also attached the email confirmation for this ) On XX/XX/XXXX I was emailed by CFPB stating that my complaint will be referred over to the Federal Reserve ( I have also attached that email ) On XX/XX/XXXX I received an email ( attached ) from the Federal Reserve stating that they received my complaint from the CFPB and that it can take up to 60 days to resolve. Fast forward to XX/XX/XXXX I received an email from XXXX XXXX from the Federal Reserve stating that the investigation of my complaint has been completed. ( attached email / Letter of result " I highlighted the key words here '' ) on the letter dated XX/XX/XXXX XXXX XXXX told the Federal Reserve that they are reporting my account closed across all 3 credit bureaus. ( which I highlighted in attachment ) This is false and it continues to report open. I advsd XXXX of this and she proceeded to ask me why the bank returned the payment which I responded why ( all attached ) and she never addressed the fact that the account was still reporting open. I gave it some time so fast forward to XX/XX/XXXX I emailed XXXX advising her that XXXX XXXX was still reporting my account OPEN on my credit report ( email attached ) so she can see the company was lying and not reporting correctly. She did n't respond to the email but she did call me about a week or so later advising me to give it some time to update ( at this point it was 43 days since the Federal Reserve later stated the account should be showing closed ) Im aware it can take 30-45 days to update a report sometimes even 60 days, so I waited. 60 days would be XX/XX/XXXX. Fast forward to XX/XX/XXXX I checked my credit report ( attached ) and as of todays date the account is STILL showing open. I emailed XXXX to update her. But I have also attached all correspondence. At this point I just want this account REMOVED for reporting incorrectly. Per the FCRA any inaccurate information reporting MUST be deleted. They continue to report when I no longer have business with them and they themselves said the account should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Prior to going into the dealership-XXXX XXXX in XXXX XXXX- I completed an application with XXXX XXXX XXXX XXXX and was pre-approved at 3.73 %. I informed XXXX XXXX of this prio to agreeing to them running my credit. I approved them running credit to see if I qualify for financing through XXXX at 0.00 percent. They told me that I didnt qualify for XXXX finaning. They then told me that PNC was the lowest offer for financing at 4.88 %. I mentioned again of XXXX XXXX to them at 3.7 % they proceeded to tell me that XXXX offered 5 %. and that PNC was lowest they could get me. After getting home I called XXXX XXXX to confirm. Well, XXXX confirmed the 3.73 % rate and that this rate was given to XXXX XXXX. So, I requested the dealership cancel the contract with PNC. They told me they are looking into it and will get back to me. It has been two weeks and no response. I have called PNC directly to discuss this issue. When I go online to research PNC rates, they also have rates lower than the 4.88 %. I am confused frustrated and very upset that I have been unable to resolve this issue on my own. I have made countless calls, visited the dealership again in person to discuss. I had gotten nowhere. At this point I want to return the vehicle because I do not want to continue a relationship with the dealership. I would like my contract cancelled effective immediately. I text the manager XXXX at the dealership this request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On multiple occasions I have requested a lower payment amount or a pause on payments due to financial difficulties ( many doctors bills for my son, living off a XXXX 's salary, pay calendar changing, etc ). Navient is not willing to work with me and they only suggest or use me towards options that make me spend more money outside of my already insanely high interest rate and principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank Amazon Store XXXX. I open an account with Synchrony Bank ( Amazon Store Card ) and in XX/XX/2019 and by XX/XX/2019, I had still not received a paper bill - for any billing cycle. They kindly waved the late fee in XXXX. However, when I missed XXXX 's bill ( due to not receiving a bill ), I was unable to convince them to remove the late fee. This account is now closed.

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 2022-08-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a bill from Michael Harrison whom is attempting to collect a debt that was paid by my insurance company. The amount is XXXX $ and the insurance provider that I had at the time was XXXX under the XXXX XXXX # XXXX. The bill for the procedure was in XXXX of 2015 and I did have coverage at that time. XXXX phone # is XXXX. I am currently in collections with Michael Harrison and I would like this removed from my credit because this bill is paid. The original creditor is XXXX XXXX and account # XXXX and their phone number is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX  was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.

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