BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
[ Case number : XXXX ] Bank of America did n't follow the law by allowing funds in my bank account to be levied even after I showed them supporting documents as well as the supporting CCP codes 704.140/704.160. 

Now a judgement has been ruled in my favor thus doing the job that BofA did n't.

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 2023-01-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/22 we received a notice from Chase Bank that a check had bounced from one of our business accounts. It was not a check or an amount we recognized. When we reviewed our accounts we noticed that this check did not match our records and in addition, the previous check number had had the amount and payee altered. We reported this to Chase on XX/XX/22 and they opened a fraud investigation. We also reported it to the XXXX since it appears the check was stolen in from the mail. 

Since then we have struggled with Chase to get this matter resolved. In the 3 months since we reported the fraud we have only received one correspondence from them and even that was a set of documents that we had to request twice. We have faxed supporting documents only to have them lost on two occasions. And twice we have had our claim closed because the bank was waiting for documents that had been sent and lost and we were never informed that the documents hadn't been received or that the claim was being closed. And finally, we had our claim closed because the bank was waiting for an additional document, but we were never informed of this and only found out when we called to check on the status of the claim. As far as we can tell in 3 months has made no or minimal effort to resolve the claim or to keep us informed of the progress ( or lack thereof ) on the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I recently applied for and was approved ( XX/XX/2020 XXXX for an Amazon XXXX Rewards Visa Signature Card ( black color ) issued by JP Morgan Chase Bank. The card was sent in the mail to me, I activated it and created an online account with Chase to manage the card. The physical card is a BLACK color and the online account also showed a visual representation of the card as a BLACK. 

About 10 days later or thereabout, I received an email saying congratulations on being approved for a Amazon Rewards Visa Signature Card ( blue color ). It had the same exact 16-digit card number as the black card in my possession. I thought this was strange. I logged into my online account with Chase and I see that the visual representation of the card was changed from BLACK and is now BLUE. This meant my card was changed from an Amazon XXXX card ( with 5 % cashback rewards ) and relegated or reduced down to a regular Amazon card ( with 3 % cashback rewards ). Thi is NOT what I approved and got approved for. 

I contacted Chase Bank a NUMBER of times and I'm getting double-talk responses back that didn't address the issue of why my account card status was changed. The Chase Bank representatives suggested that maybe my Amazon account was not a XXXX account which it is and has been for 2+ years ) and therefore my card was reduced in status. 

I still have no resolution almost 2 months later now which has forced me to file this complaint. I request and want my account brought back up to Amazon XXXX Rewards Visa Signature Card status ( with 5 % cashback rewards ) because the rewards percentage difference I am being cheated out of is substantial. 

I have attached 3 image files to this complaint showing : ( 1 ) The Amazon XXXX Rewards Visa Signature Card ( black ) in my posession ( 2 ) A screenshot of my valid Amazon XXXX Membership ( 3 ) Corresponce from Chase Card Services that did NOT help resolve my situation Thank you! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan Care ( myloancare.com ) website has been down for the last two months so I have been unable to make payments online. As a result, I must call in a payment and wait on hold for close to an hour before speaking to someone. I want this investigated, the website does n't even work. I 've tried from multiple locations, multiple computers, multiple browsers. I could n't even get their contact information to load and had to find the number in a google search. How can they expect customers to make on-time payments when they ca n't even keep a website running?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
have noticed that AMEX have placed an inquiry on my XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both AMEX and XXXX   to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Back on XX/XX/XXXX I initially filed a claim against Greater Suburban Acceptance Corp with the Consumer Financial Protection Bureau due to this company not responding back to me and reporting inaccurate information on my credit report. Greater Suburban Acceptance Responded back on XX/XX/XXXX stating that they needed more time to address my issues and concerns, however on XXXX/XXXX/XXXX the Consumer Finance Protection Bureau responds back by stating " the company never responded back so they 're going to post my complaint and look into further investigations made about this company ''. Well after reviewing the documents that Greater Suburban Acceptance Corp provided to the Consumer Financial Protection Bureau. I noticed that I was n't ever presented with a 21-day redemption notice. In the state of Illinois you must provide a notice redemption notice. " No collateral - the lender may only repossess a car if it is listed as collateral for the loan. ... Insufficient notice of redemption - Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. '' Please find that this company has also listed this account as a bankruptcy account on XXXX and has listed the same item as being a closed bad debt of XXXX on XXXX. Acct number is XXXX also on XXXX it states that the account is open on XX/XX/XXXX and XXXX is stating that it was opened on XX/XX/XXXX also XXXX bureau is stating that it 's an auto loan but the other is stating an installment loan do n't know is that makes a difference or not. Just pointing out the inconsistency with this company. Please note that the last time you guys closed the case with this company because they failed to respond back to this government agency site, however they never seem to respond to you guys or myself but they make sure to respond to the credit bureaus all the time. Please find that I 've enclosed all information that validates my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
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 have a loan with XXXX, XXXX, and PRESTIGE FNL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and PRESTIGE FNL with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Colony Brands, Inc.
State: MD
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 have a loan with MONTGOMERYWD, XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Global Lending Services LLC
State: MD
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 have a loan with XXXX, DPT EDXXXX, and GLBLNDSVCS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and GLBLNDSVCS with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am continuously being harassed by a collection agency for a debt that is not owed. I was attending XXXX XXXX which was located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is no longer in business their doors was closed in XX/XX/XXXX. I have a Stafford Loan with the U.S. Department of Education with a remaining balance of XXXX. Which I have been paying since XXXX/XXXX/XXXX. XXXX XXXX submitted a notice to a collection agency National Enterprise Systems located at XXXX XXXX XXXX XXXX XXXX XXXX, Phone number ( XXXX ) advising them that I owe an outstanding balance of {$6100.00} not from my student loan, but from potential money they could have obtained, if I would have remained in school. XXXX XXXX dropped me XX/XX/XXXX one semester prior to graduating with a degree in nursing, stating that the funds they were collecting was no longer available. Stafford Loans Us Department of Education showing XXXX loans they XXXX were dispersed to XXXX XXXX on XXXX/XXXX/XXXX XXXX amount of {$3500.00} XXXX amount of {$6700.00}, there was also a submission of payment from the Workforce Initiate Act on XX/XX/XXXX in the amount of {$3400.00}, they also received Pell Grant money in the amount of {$2600.00}. I was not given any personal money. I am constantly being harassed by the collection agency for a debt I do not owe. I have never heard of collecting payments on services that was not received. Please feel free to contact me with any additional questions as required or needed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had federal and a private loan with XXXX XXXX in 2001, I was told by XXXX XXXX that I had an outstanding amount due after I had paid the full amount of my loan, I was told that when Obama came into office, he separated federal and nonfederal loans? and that there was a small unpaid amount of XXXX dollars, that went ( somewhere ). I was uninformed, the debt collection company that contacted me was called XXXX, they were horrible - they were insulting and called me at work, on my cell phone they were relentless. I called them and settled on paying the loan for a fraction of the price I believe I paid XXXX and they agreed to remove the rest of the debt and show it paid on my credit reporting. Earlier this year, I saw the debt magically reappear on my credit report under a new name Navient. I called Navient today to tell them that this debt was paid and to remove false reporting from my credit, I was told by the customer rep, that XXXX now has my debt loan and I would have to go through them to pay again, or provide proof of payment, Navient claimed they had NO control over my account. I understand XXXX XXXX is also Navient and Navient is XXXX XXXX. They keep lying about the loan, and shuffling it back and fourth between entities and adding fees and making it impossible to track, pay, and they claim there is no paper trail, they have refused to provide any documentation, and I have NO way of removing a XXXX year debt from my credit. PLEASE help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$4400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: AES/PHEAA
State: AZ
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 received a student loan from XXXX XXXX XXXX of XXXX in XX/XX/XXXX for XXXX. It was my XXXX year and I had run out of money to attend and exhausted all of my choices. I was told by the school that I would be able to roll this loan into my XXXX. Also, the rep from XXXX stated that that would be the best way to handle my loans. Well, I graduate, start on the paperwork and found out that I can not do this. What really caught me off guard is that this loan is basically treated like a credit card, with a variable rate. I am XXXX years old, divorced with a child ( XXXX years old ), and XX/XX/XXXX is my payoff date! I do not know what to do. I 'm trying to by a home, but need to take care of my family. The job I have does not even come close to paying my loans off. I do work for a XXXX and have over XXXX years in the XXXX. I qualified for loan forgiveness on my XXXX, but not on my private loan. I did not even know I was receiving this type of loan. Any help or advice would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been making private student loan payment to Navient for XXXX XXXX for several months, sending XXXX check to cover XXXX separate loans. They receive the check and it takes 10 days to process and post in their system ( I have mailed payments via priority mail and tracked to confirm receipt in their office ). They called me claiming my payment was late after it was already received, and I told them THIS WAS A VIOLATION OF FEDERAL LAW, since they already received my payment. I also sent written notification of same The next month, they received my payment and applied the entire payment on just XXXX loan, showing the XXXX other loans late/unpaid and charging late fees. There was no notification to me of a change in application of my payments, or I would have written XXXX checks, instead of a single check. 

They have also ceased sending email notices, so I did not become aware of the problem until the monthly statement came through the mail. 

This was all done in retaliation of my confronting them on the practice of receiving my payment and not applying it to my account for 7-10 days, WHICH VIOLATES FEDERAL LAW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2005 we were rushed through a mtg refinance and were never made aware of adj rate mtg. In the last 3 yrs denied refiance with Bank of America as we were under water on the loan and not Freddie or fannie backed so do not qualify for gov ref programs. BOA lost lawsuit, atty general said set aside $ ( in XXXX ) & help cust with unfavorable mtgs. They have refused and set me up for mod which we denied due to pymt were XXXX from original amt that we were struggling with, so XXXX pymts are impossible. BOA refuses to give us better pymts & lower int rate. Per US Legal BOA is violating court order. We want to retain home. not interested in short sale or deed in lieu, which was explained to BOA. BOA does not respond to e-mails they hav to send via portal which does not work on computer & their rep said it does not work on all comp, yet refuses to send because not secured. Have to answer ton of question to verify identy before they will talk to you very frustrating, they only need XXXX piece of info for validate. They are not lowering pyments or interest and CEO does not call or answer mail send directly to him. WE have defaulted on credit card payments to try to make mtg pymnts. Offer of mod in XX/XX/XXXX/XX/XX/XXXX was denied & BOA has not restored payment to original amt, we denied with several representatives & told denial will return pymts to original amt never happened. BOA has done XXXX drive by appraisals & all different values XXXX done by same person. Home is worth more than appraisals & appraisals are not correctXXXX is more than appraisals. Our loan is not Freddie or Fannie backed so do not qualify for gov mtg programs. Per US Legal BOA sets customers up for failure so they can foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: U.S. BANCORP
State: MO
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 noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2020-08-07
Company: U.S. BANCORP
State: MA
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 was shocked when I reviewed my credit report and found late payment on XXXX - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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