BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have sent numerous emails and placed many calls to HESSA-NJ class loans about negotiating a feasible payment plan. The loans were taken out for my attendance at XXXX University in XXXX, PA. They wanted XXXX payment per month, but i 'm not able to afford that amount. So i started paying them XXXX per month making an effort to pay what i can afford. Now they are wage garnishing me at XXXX percent each paycheck. With my current income they are collecting XXXX per month. If nj class would simply negotiate this price with me and create a reasonable payment plan, I would pay this amount with no problem. I would even pay XXXX dollars a month, but they wo n't agree to it. Now i am in delinquency and they are taking XXXX dollars per month, which i would pay without a wage garnishment claim. This can be settled in a honest and fair way, without destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I joined the military in XX/XX/XXXX. I opened a credit card ( XXXX XXXX XXXX ) on XX/XX/XXXX. After a devorce and a XXXX XXXX from the XXXX in XX/XX/XXXX my balance owed and limit on my XXXX XXXX XXXX was {$3300.00}. I never received or was informed my interest was going up do to several moves. I'm being charged over {$6000.00} on a {$3000.00} credit card. They doubled what I owe.

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 2016-06-16
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an enclosed statement from North Shore Agency with the amount of {$72.00} for a XXXX " transaction '' to my work address. I have not shipped nor sent packages to my work address, or have even sent a package in more than a year. Additionally, the address and my name was incomplete, and was not received until more than a month later. The invoice is incomplete and does not itemize " transactions '' nor is there a phone number in which I can reach NORTH SHORE AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I have been working really hard over the last 2 to 3 years paying down my credit cards. I have made all my payments on time, I have paid extra and sometimes XXXX to pay off my credit card debt. I have not purchased any cars, used additional credit NOTHING .... Just paying down my debt. working hard. My credit card account had a balance of {$24000.00} I paid it down to {$17000.00}. I had it down to 71 %. Now they lowered my credit limit to {$17000.00} now I am at 97.3 %. My credit scored just plummeted for working hard!!!!!!!! ... My other account was at {$10000.00} and I paid it down to {$5800.00}. I had it to 58.8 % they just lowered my credit to {$6200.00} now I am at 94.9 %. Zapped my credit score just fell through the floor again. I could understand if I was not paying my bills. If I was running up credit cards, if I took out a bunch of loans. But I have not done any of these. I am a hard working, mother of XXXX who pulled through the tough times and trying to build up my credit because we all know, everything we want or need is built on Credit in this wonderful US of A. We live in a small house and was saving up to make a bigger home for my kids and CHASE just took everything away because someone is sitting there hitting buttons without anything else better to do. ITS NOT FAIR!!!!!! Obama had them add all those disclosures to the cards to help people learn about credit card debt and help them get out of debt. I could have filed bankruptcy a long time ago, just like the banks, instead I continued to pay all of bills and now have been paying extra and CHASE just XXXX me and my whole family. I will pay off the rest of this debt no matter what, but I will find a way to remove everything I have from Chase. And I mean everything. I can not believe they rule mine and my childrens future when I have worked so hard. Read my credit report. No LATE PAYS 5 Years plus!!!!! No Cancellations!!!! No Bankruptcies!!!!!. More than Minimum always paid!!! And this is what I get. My Credit score has now dropped from a XXXX to XXXX .... OVERNIGHT. NOT FAIR!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Chase Bank refusals to release final disbursement of {$25000.00} +, Insurance Companies held funds after XXXX % construction of insured house was completed. 
This is the second time that I needed to take action against Chase Bank for the same act of refusing the release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
It was a long time ago ... i have spoken to several customer service and upper management whom all have said one thing or another ... But my last call was weird. A supervisor said oh yes i see it was corrected and we will contact the credit report companies ... and literally within the same call moments later he said oh wait all the info is gone ... ( so confusing and i think they messed up and i am still paying for it ... )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Self Financial Inc.
State: MI
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 Self Financial Inc/ Lead bank, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
A dispute was filed for a transaction made on XXXX, XXXX, XXXX. The merchant agreed to sell me the item in the amount of XXXX, refunded the difference back to the card. However, I was sent the incorrect model number. I ordered a XXXX Watch, I was sent the correct brand but incorrect model number watch. The item was returned, a return authorization number was provided, XXXX. The tracking number is XXXX, it was received on XXXX, signed for by a XXXX. I spoke with a XXXX at XXXX, she tried to say that the item returned is not one they sell and will be returned back to me. I 've seen the item advertised on their site before, however, it was sometime ago. Needles to say, they lied about not selling it. I further stated that the item will be refused back once received. I advised reps at Chase in the dispute resolution department of this, spoke with several of them yesterday on XXXX, they insist the company be allowed fifteen calendar days to refund. I tried to explain to them that merchant will not refund as they are claiming the item is not one they sell, which again, is a lie. The amount, XXXX is quite a lot, it is currently in dispute status. However, I do not believe the 15 day wait is necessary, considering the information I provided from merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This letter is to complain about Chase rearranging bank transactions to appear different than they were in order to extract three overdraft fees that they were n't in titled to. Chase took one Amazon transaction and turned it into three separate actions in an effort to extract two overdraft fees that the should not have had. They then after my deposit was made and the account was brought back to positive, Chase rearranged transactions over the weekend when the bank was closed. to appear as if another overdraft fee had been extracted days after transaction had been made and fee was taken. Chase has intentionally rearranged the account to appear different in order to take money they were n't entitled to. Chase often does this and the call this action legal. They have intentionally extracted {$100.00} in fees they were n't entitled to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been on an adjusted rate mortgage now at 6.5 %. My husband became XXXX and is on SSI at 1/2 his salary when he was employed. We fell behind and attempted to have Rushmore provide a loan modification. They first offered a 6 % interest. We still did n't see how we could meet that mortgage. Hired an attorney. Then the attorney insisted they re-review our numbers. Eventually Rushmore again stated that they would not even review us for a modification. This is the second time they have tried to take our home from us. The first time, because of a settlement, we were able to catch up but we do n't have that luxury anymore. Now we have just filed for Chapter XXXX bankruptcy to try and protect our home and see if we can finally get a real modification through bankruptcy court. Since we fell behind originally by 2-3 payments, every month we have tried to send in our monthly payment but Rushmore has refused acceptance of every payment we have tried to send in since XX/XX/XXXX. Because of their refusal to accept payments, we are falling ever more behind every single month and adding more to an impossible situation. Now we have severed ties with that attorney and after losing money with them we have had to pay someone else to file the bankruptcy. If our situation does not warrant consideration for a modification I do n't know what does. We just want the chance to have our loan modified to at least current interest rates and do n't think that 's unreasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: KEYCORP
State: VT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
ON XXXX/XXXX/2015 I PURCHASED A KEY POSSIBILITIES PREPAID DEBIT CARD. AT THE KEY BANK IN XXXX, VT. XXXX. 2 HOURS LATER I LOST THE CARD. ORIGINALLY IT HAD {$400.00}. I CALLED THE BANK IMMEDIATELY AND REPORTED IT LOST. I WAS TOLD I HAVE A BALANCE OF {$210.00} AND A CHECK WILL BE MAILED TO ME FOR {$210.00}. TODAY XX/XX/2015 I CALLED KEY BANK AND THEY SAID I HAD A BALANCE OF {$.00}. THEY MADE A ERROR AND AS IT STAND 'S I AM OUT $ XXXX DID THE RIGHT THING AND REPORTED IT LOST. THE CARD NO. IS XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VT. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
in violations of the federal governmental housing regulations per the home loan mortgage foreclosure procedures by law the bank first legal step was to file and have me served with a NOTICE OF DEFAULT in missing payments of the mortgage loan in a non judicial filing the notice of default should have been filed with the XXXX recorder office where my real estate property is located per a judicial court foreclosure filing the XXXX court should have served me with a court complaint with a case number concerning the notice of default as the homeowner legal rights by law to payoff the total default loan amount and stop the the bank foreclosure process and this procedure by law should have only been taken AFTER the bank made all legal efforts to modify the mortgage loan for refinancing AS THE BANK DID NOT COMPLY AS TO BE IN COMPLIANCE WITH THE XXXX STATE AND FEDERAL AGENCIES LAWS BEFORE EXECUTED AN IMPROPER HOMEOWNER 'S FORECLOSURE EVICTION thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: U.S. BANCORP
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
elan financial put negative information on my credit report that i owe that money {$5000.00} dollars, the failed to verify any contract or prove how I owe them.. The failed to validate this debt that is not owed by me. I have written several letter to them. All XXXX bureau that i owe this debt to prove this debt with documents or contract according to federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Army and Air Force Exchange Service
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AAFES charged off  XXXX  accounts in  XXXX , in  XXXX  they ( legally? ) started collection actions on the debts. A payment plan was agreed upon and it has been paid each month since.     " The main issue is that they are charging 19 % interest on this charged off debt collection. '' Also, my credit reports show only that the debt was charged off in  XXXX  so they are in essence double dipping on this debt and I am not getting any credit for paying it on time and in ful l. THISSHOULD BE  ILLEGAL!     Hopefully at some point  AAFES  tactics and lawlessness is brought to justice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fraud by US Bank NA ( USB ). USB claims to be Trustee for a XXXX ( XXXX ), XXXX XXXX XXXX XXXX, which was never created, never funded, and never populated with pooled mortgages. There is no record of this XXXX in the Securities and Exchange Commission 's ( SEC ) system of record, XXXX, or in the State of Delaware ( where USB originally claimed the XXXX was created and where it is domiciled. ) XXXX XXXX, US Bank, Corporate Trust Services, XXXX. XXXXXXXXXXXX, first told me the XXXX was incorporated in Delaware . When I sent the Certified Documents from the DE State Courts proving non-existence of the XXXX, XXXX stated it was not created in DE after all. Then, XXXX confirmed he could not find a record of the XXXX. The same day I spoke with XXXX, his supervisor, XXXX XXXX XXXX XXXX, Vice President, XXXX, US Bank Corporate Services, XXXX, XXXXXXXXXXXX, learned of my discussion with XXXX. In response, XXXX sent an Urgent letter to me via XXXX indicating that the " XXXX XXXX XXXX XXXX is an existing XXXX XXXX '' and that I am to not contact XXXX because he does not handle these matters ; although, XXXX was the key USB contact during the dissolution of XXXX, which included its subsidiary XXXX XXXX. While XXXX was on holiday, I contacted his back-up ( as indicated in his voice mail message ) and spoke with XXXX XXXX, Dispute Resolution Specialist, XXXX, XXXXXXXXXXXX. XXXX also confirmed that he could not locate the XXXX which XXXX continues to claim exists. XXXX has refused to research or provide evidence of XXXX existence for " XXXX XXXX XXXX XXXX. '' XXXX is aiding and abetting the continuation of USB 's fraud. XXXX only concern is USB Risk Management and covering up any wrong doing with complete and total disregard for multiple state and Federal laws. Attached are Certified Documents from the State of Delaware Courts which reflect " XXXX XXXX XXXX XXXX '' being created by XXXX XXXX but not " XXXX XXXX XXXX XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello! 
My name is XXXX XXXX. I am currently a XXXX. I had originally loan Wells Fargo student loan about {$16000.00} XX/XX/2010 for XXXX University. As of this year, I noticed that my interest rate as increased to about {$5000.00}, which all together is {$21000.00} I own from them now. However, since I was very interested as to why they are already charging me interest while I am XXXX, I personally went to a Wells Fargo local bank to speak with a banker. As I was there, they called the call center for student loan and I spoke to couple of people, but I still felt like I was n't really given an answer as to why they are charging me already, if I am still going to school. Please, if I could get some answer and some solutions to my claim, will truly be great. It is very XXXX, first as a single mother, who is looking for a place to rent, but is n't able to find a reasonable one because of how the student loan have decrease my credit score. I will truly appreciate the assist. 

Thank you XXXX 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 2016-10-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received an alert from my credit monitoring service stating that there was a new inquiry for a credit application on my credit file from Navy Federal Credit Union on XXXX XXXX, 2016. I have never applied for credit from this lender and contacted the creditor to state that this was fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 at about XXXX XXXX, I entered WELLS FARGO BANK to withdraw {$3000.00}. I provide both my license and bank debit card. I was asked not to swipe my card instead for me to file out a withdraw slip for the transaction. After doing so, the teller took all XXXX ID credential in a scrutinizing manner for verification with my withdrawal. The teller took an unusual 30 minutes before responding to me that my signature does not match. I then exited the window to seek assistance from the Manager. at the presence of the manager, I filled out another withdrawal form. The manager went to the window computer and spent an additional 30 minutes scrutinizing my account. When I asked her what is going on, The manager came to the window and replied, " Your signature is not matching, and that it is unusual for a XXXX person to come into this branch to withdraw a large amount of money ''. 
Seeing that I was being discriminated against, I called the local police department for assistance. During my hour wait for the police, I was excluded from doing any transaction. When the officers arrived, I was lock inside the bank and waiting. XXXX officers investigated the matter by reviewing my ID, bank card, other identifications I gave to the bank, including my withdraw slip. They spoke to the Teller and Manager and notice their discrimative behavior, and ordered them to re open the bank computers and give me my requested money. 
The purpose of that withdrawal was to secure a plane flight back to XXXX Ma to attend a family member funeral, and to conduct XXXX on my XXXX. I miss my flight and resort to driving XXXX miles back to Massachusetts. I miss the funeral, and my doctor could not preform XXXX because I 'd placed to much stress on XXXX from driving.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Since XXXX 2015 I have paid {$620.00} in interest and {$230.00} in fees on a {$1000.00} loan. My balance two weeks ago was {$700.00} something and today it is over {$900.00}. My payments come directly out of my checking account. This is absurd. What can I do?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation