BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
I already reached out to the credit bureaus and to DISCOVER FIN SVCS and notify them of their error posting for this account. My records associated with DISCOVER FIN SVCS account do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: MD
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:
======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I sent {$3000.00} through XXXX also I paid for the service, its been more than 1 week since this happened and we dont know where the money is at. The company says the bank has it but the bank said XXXX has it so basically we dont even know where the money is, I have been trying to get a refund from XXXX its been a nightmare this whole process. Also XXXX ask me for my SSI twice, which is unusual and suspicious because nobody should ask you for you SSI. XXXX XXXX ask me for information that the bank is asking for but we called to the bank and they said they are NOT asking for any information. So pretty much I dont know who has the money and I want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BARCLAYS BANK DELAWARE
State: FL
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 have been a XXXX XXXX customer for about XXXX years, and have consistently paid my account in full each month. I had accumulated XXXX unused rewards points. Two months ago I discovered Barclays had revoked all of my accumulated points, which had a redemption value near {$15000.00}. No reason was given for the seizure of the points other than my account was revoked. The only reason for given for the account being revoked is a statement Nature of business does not align with revised Bank risk tolerance. However, this explanation makes no sense as this has always been a personal, not a commercial account. I have attempted to resolve the matter in good faith using the available channels of replying to the address on the revocation letter, and speaking directly with customer service. I have been told verbally that it is impossible to restore rewards points after they have been revoked. This is obviously untrue. Further, I was told that I must accept the situation and continue to make payments. This situation is unfair, abusive and simply intolerable. 

For the Barclays representative reading this complaint, I want my rewards restored, or their equivalent cash value paid to me. Until this is done, I will not be making any further payment to the 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 monetary relief
Consumer complaint received 2017-02-19
Company: Empowerment Ventures, LLC
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a rushcard. I transferred {$630.00} from one rushcard to the other. It was a card to card transfer. Both cards are under my account. The transaction shows " complete '' on ny end but " failed '' on their end. Neither of the balances on the card reflect the {$630.00}. Therefore, I am not able to use any of th money. They told me they have to put it in manually and it wo n't be available to use for 1 to 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got an assignment from Mystery Shopper on XXXX/XXXX/14 via XXXX with XXXX money orders for {$960.00} each from Mystery Shopper to carry out some assignments and report to them how courteous the Employees were while I was carrying out the assignment. I was not aware that there were fake moneyorders and Mystery Shopping assignment was a scam or I would never had cashed these checks and so I felt like Chase Bank did n't protect me from being scammed because I never had {$1900.00} in my account and I ca n't believe that Chase is not aware of fake moneyorder and also they did n't use the 3 day waiting period that was put in place to protect unsuspecting customers like me who are clueless. If the teller had waited before giving me all the cash against my account these fake money orders would have been identified and my account would not have been placed in overdraft for the amount of {$1900.00}. Rules and Regulations are put in place to protect customers and I am disappointed in Chase for not investing in and also teaching its tellers how to identify fake moneyorder and not to cash it against customers account and them charge me all these fees every month and expect me to be paying them for not protecting me from being scammed by waiting 3 business days before cashing large amounts of money and then blaming me for this debacle and destroying my credit, when this should be placed squarely on Chase lack of following banking rules that were put in place for a reason to protect customers from this same nightmare it has being going on for too long and has destroyed my credit score. I have written XXXX letters to the bank seeking a resolution but they are saying I 'm at fault I cashed fake moneyorder and I think Chase did n't protect me from being scammed by not investing in training the tellers who should be aware and ahead of scammers and not allow them to destroy people 's finances. I 'm distraught this is going on for 10 months now. I filed a complaint with the police they took the XXXX the copies of Fake Moneyorder and all information, the bank promise that FBI would be involved I would like to know if the bank was not aware of Mystery Dhopper scam like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I enrolled at XXXX where I was not given exact cost information about the program I was enrolling. I was also told my loan payments would only be {$50.00} total a month. I can not afford to make my momthly payments. I was also promised quality education, in which I did not receive. I failed classes multiple times, and when I asked for help I was referred to XXXX. My finance advisor also told me I would n't be charged for repeating classes since the instructors refused to help me. 

I was also told the school has had accreditation for years and was in good standing. I was promised a high paying job after graduation. I dropped because I could n't receive help with my school work. I was also not told I could test out some of the classes I had taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have a credit card debt with U.S.Bank for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX DBA XXXX XXXX XXXX with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by U.S. bank. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have made numerous attempts to move forward with a loan assumption through Freedom Mortgage and/or XXXX. I 've completed the email request process per their instructions with the confirmation from them they were going to send me the loan assumption packet within 7-10 business days. It 's been 2 months and no packet. Every time I call, both of these institutions shuffle me back to the other. The one time I did get a hold of someone who was able to pull up my account, they told me they could not move forward until the investor responded back to them, even after it was previously verified that my loan is eligible for assumption. The last time I called, neither institution, Freedom or XXXX could find my account. I feel this is a stalling tactic to dissuade me from allowing my daughter to assume my mortgage and they would rather do a bait and switch to get us to apply for a new mortgage. Please help me get some resolution to this so that we can move forward with the loan assumption. I 'm not in the best health and on a fixed income as I 'm retired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding LLC is  attempting to collect debts for a closed  XXXX   XXXX . I wrot e Midland Funding LLC    XXXX     requesting the date the original accounts with   XXXX   XXXX   became delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  Midland Funding LLC is a ttempting to reage the debt which is illegal. According to my state of residency this debt is beyond the  three year s statue of limitations.   According to my   XXXX    File, o  ne  account was reported delinquent by   XXXX   XXXX   on  XXXX  ; the other   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is more of a regulatory question than complaint per se. 

I have a Costco CITI Bank card credit card that I typically pay the balance off on a monthly basis and my payments are usually a week or more before the credit card due date. 

I manage my credit card through their online website and rely on their online statements and credit card homepage for all of my account information. 

On all of my other credit cards their website home pages show the Credit Card Payment due date and the minimum balance due. However the Costco CITI Back card website home page does not have this information on their website homepage. To find this information one must navigate to their payment web page. 

As I check my my credit cards on a regular basis I missed seeing this information on the CITI card site and ended up missing the due date. I did make full payment the next day ( One day Late ) and paid late fees and interest charges. I take full responsibility for making the late payment. 

My comment/ question is whether credit card companies are required by regulations to post this information on the home page for their website? I feel that by hiding the due date they are counting on individuals missing their payments and then collecting late fees and penaltys. 

Your feedback on this issue is greatly appreciated.

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 2015-05-19
Company: JPMORGAN CHASE & CO.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Subject : Chase Private Student LoansSchools attended : The University XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX elected to defer my loan principal and interest while in school. I was graduated in XXXX XXXX from XXXX and I have been making the required payments since XXXX/XXXX/XXXX even before the grace period. After capitalization, the principal balance stayed constant at {$16000.00} from XXXX XXXX to XXXX XXXX although I was making payments. Again, the principal balance stayed constant at {$15000.00} from XXXX XXXX to XXXX XXXX although I was making payments. 

I requested explanation from Chase Student Loan Customer Care why the balance is not reduced with every payment like when I use online student loan calculators that are showing more than {$20.00} reduction in principal with each payment. Chase response was that the payments are applied first towards the interest, then fees and other charges if any, and then the principal. No more explanation was given although I asked a response from a supervisor and clearly stated that it seems I will stay making payments forever! 

My cosigner helped me to understand how this is working. It seems that Chase intentionally is sending statements with underestimated payments that would keep me paying interest only without seeing any reduction in the principal. For example, I paid {$200.00} on XXXX. The statement came back with a required payment of {$120.00} by XXXX. This {$120.00} is less than the interest amount I calculated ( 10.75 % x {$15000.00} / 365 days x 31 days = {$140.00} ). 

I think this is malpractice. I believe student loan statements shall be as accurate as possible showing a Good Faith Estimate which seems not the case for Chase Private Student Loans. How I am going to pay off my loan if I follow the statement and pay only what is required! I would be losing hundreds or may be thousands of dollars each year if I follow their statements. 

In addition, Chase sold my loan and is transferring it to XXXX XXXX XXXX ( XXXX ) by the end of this month. 

Would you please look into my complaint and attached documentation? 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Nelnet has combined my subsidized and unsubsidized student loans without permission. I used to have a Group A and Group B student loan that I paid to them. Now -- -I have only a Group A. I intend on going back to school next year -- -so, I intend on only paying the unsubsizided since the interest will still accrue. They have done so without my permission. I have tried to call multiple times -- -and have gotten no resolve. I am on time AND ahead -- -but I have every right to pay either loan in advance by law. How many times are they going to manipulate my loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay has placed {$170.00} in late fees because they claim that I have paid my mortgage late in XXXX XXXX and XXXX. 

My payments were all made on time. I mailed them on time, or paid them online on time. Fay insists on charging me for when the payments arrived vs, when I mailed them or authorized they be paid through my bank. 

Please help me get these unfair charges removed. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Over the past few months I have been received " pre-selected '' letters in the mail from Citibank claiming I was preselected for their " Double Cash back XXXX ''. After XXXX letters I decided to apply only for Citibank to decline my application, then they send me another letter shortly after with the same verbiage. Based on their letter I should be qualified for the card yet they denied me for reasons not listed on the XXXX page of the letter. My income ( attached bank screenshot from XXXX ) is more than enough based on their criteria. I feel that CitiBank is using deceitful tactics to get people to apply but then deny their applications despite saying that they've been " pre-selected '' and meeting their supposed criteria. I feel that Citibank is praying upon younger individuals such as myself by using words such as " your invited " pre-selected '' : '' invitation '' getting them to apply and potentially harming credit scores and adding inquires. If a person is " pre-selected '' then they should be screen for higher odds of being approved but not denied for again reasons not listed on their " criteria 's '' page.

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 2015-11-06
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I applied for the US Bank Hardship Program and was told by Customer Service not to make payment until my new interest rate and minimum payment were finalized. Once the new terms were set up in XXXX 2015, I was told to make payment XXXX 2015. US Bank is now reporting me to the credit bureau 's as 30 days late. I have spoke to multiple customer service agents who tell me " By law US Bank can not remove negative information such as late payments '', which I know is false. I have filed disputes with the credit bureau 's as well as CFPB. US Bank responded with a letter stating additional false information. They stated that I told them I prioritize my payments and would not be able to make payment until the following month. That information is incorrect as all of my accounts and payments are a priority and I have never made a late payment on any of my accounts. That clearly can be seen on all three credit bureau reports. US Bank also stated that the representative that I spoke to who set up the new terms did not tell me to wait and not make payment. That information is also false. The representative who finalized the new terms was not the same person who told me to not make payment. In a previous conversation with a different customer service agent, I was told to not make payment until my new terms were set up. 

I have been a loyal customer with US Bank for over 10 years and do n't understand why I am the one being punished for being provided with wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation