BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My home mortgage is currently at Chase Bank and it is in good standing. I received a letter from Chase Bank the first week of XXXX 2016 offering to re-finance my loan at a lower rate, 3.125 %. The day after I received the letter I called the number listed in the letter to start the re-finance process to get the rate quoted and I was told that the letter was just a marketing letter and, assuming my credit was good, which I assured them it was, my rate would be 3.8 %. 

When I asked why I could not get the 3.125 % rate they told me that was the rate on XXXX/XXXX/16 ( which the letter stated ) and because it was a month later and rates had moved, the 3.125 % rate was no longer available. I believe this was purposely deceptive for XXXX reasons. 

First, I believe the letter was an offer to re-finance my home and not a " marketing letter '' as the bank has stated. I believe this because it was addressed to me specifically, it referenced my account number, it quoted my approximate loan balance and it quoted my current loan rate. Clearly, this letter was directed to me and it was specifically about my loan. 

Second, when I pressed to find out why I could not get the rate quoted in the letter I was told that I would have had to apply for the re-finance on XXXX XXXX, 2016 to qualify for that rate. Since I did not even get the letter until the first week of XXXX XXXX and I called the day after I got it ) I do n't think they had any intention of offering me that rate. They said further that since rates have moved since XXXX XXXX, 2016 it was no longer available. XXXX XXXX have moved but they did not move by XXXX basis points, the difference between what they quoted me when I called XXXX 3.8 % ) and what they told me I could get in the letter XXXX 3.125 % ) from XXXX XXXX, 2016 to the first week of XXXX, 2016. Further, although I was told that because I did not call on XXXX XXXX, 2016 I did not qualify for the rate quoted, I do not believe that Chase did any loans under the terms that were quoted to me in the letter, including the loans they did on XXXX XXXX, 2016, the date the letter said the 3.125 % rate applied. To support this point, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX banks are required to collect data about the loans that they make, so it should be readily verifiable from their XXXX log that nobody got the rate that was quoted in the letter. 

I believe the letter was purposely deceptive and they had no intention of offering me the rate that was quoted. They clearly sent me the letter after reviewing my file, putting my account number, approximate loan balance and my current rate in it. I did not receive the letter until more than 30 days after the rate was to have been available. In my opinion this is a clear case of a bait-and-switch selling tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan with XXXX XXXX, that originated XX/XX/XXXX for {$35000.00}. By XX/XX/XXXX I was unable to continue to make payments on the balance of {$7700.00}, as I was in danger of losing my home and had to use any available cash to make my mortgage payments. 
According to all three of my credit reports this debt was charged off XX/XX/XXXX. 
XX/XX/XXXX I received a notice from the SBA, dated XXXX/XXXX/XXXX, that I had a debt due to them for {$5800.00}. On XXXX XXXX, XXXX I asked for records in regards to this debt, which were sent and received XX/XX/XXXX. 
I researched my records and SBA records. When I called the SBA, on XX/XX/XXXX, to discuss the amount that was truly owed, I was told that the debt was forwarded to the Department of Treasury for collection. 
After talking to the Department of the Treasury on XX/XX/XXXX I filed a Cross Servicing Dispute. I had been told that I could not enter into any payment plan until issue were resolved with the SBA. 
During the time I have been trying to resolve the issue of whether or not or I had been given due process by the SBA, the Department of Treasury has intercepted {$2100.00} of money due to me from the Department of Health and Human Services. They have also sent this debt to a collection agency and added fees and interest of {$1600.00} and {$62.00} respectively. 
I do not dispute that I may indeed owe the SBA some money. 
The contract with the SBA, XX/XX/XXXX was to guarantee 50 % of the loan with XXXX XXXX. The amount that is truly owed has not been made clear to me. 
Why did it take five years for the SBA to contact me? I communicated with them about this debt within the 60 day time frame on the notice yet, now I have been sent to collections as if I have paid no attention to the original notice from the SBA dated XXXX/XXXX/XXXX. 
I have documentation for all I have stated in this letter. 
Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I keep getting phone calls about debt that has been settled and or out of date, or that I was not even aware of having. These same people are calling my elderly mother and father inlaw too. 
I have checked my credit report and none of the businesses are on it. They are trying to get me to settle out of court. 
He says he is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I can not find a business at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Merchants' Credit Guide Company
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2014 I dropped a class so the school gave me a credit of money that was left over. Again in XXXX 2014 I withdrew from the school dropping XXXX more classes. I took loans out for each semester I attended classes. I received credit for the two classes that i dropped and I had money left over from my loans. The school is trying to tell me that I owe them money when I do n't. When I log into my student account, I see that someone made changes in XXXX showing that I owe. That is around the same time frame that I had them go over my account because they were sending me letters about the balance due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: First National Collection Bureau, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency has called my home more than XXXX times. I have spoken to a representative 3 weeks ago and requested that my number be removed from their call list and was told that it would be removed within XXXX hours. They have not stopped calling. when I answer the phone they hang up every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
American express serve card purchased for XXXX in cash from XXXX with friend. I spent roughly XXXX on XXXX purchases. Needed some cash back so i had to send additional info in for atm use. Social security number was entered in wrong to begin with. They canceled card and refuse to refund the other XXXX The card was lost or stolen the next day. It's been roughly 3 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Netspend Corporation
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I received a direct deposit in the amount of {$4200.00} in my Old Netspend checking account. The account was closed due to a fraudulent charge made and a new account was opened. I tried calling Netspend first on XX/XX/2021 to get the funds transferred to my new account and due to heavy call volume they were not answering their phone, and the system automatically hangs up your call. I called again on XX/XX/2021 and again the system hung up the call. I made another call on XX/XX/2021, was on hold for 50 minutes and a customer service representative answered. The customer service rep was asking security questions which is typical but some questions were not. When I challenged her as to why I had not provided sufficient security info up to that point to prove I was the account holder, she became argumentative and said she had no choice but to place me back in the queue where I had already spent 50 minutes trying to talk to a customer service rep. I called again on XX/XX/2021. I was on hold for 1 hour and when the customer service rep answered he said I could only transfer {$300.00} from the old account and that there was a {$1500.00} limit every 24 hours. I declined to transfer the {$300.00} because I did not want to be assessed a transfer fee. I called back on XX/XX/2021 and after a 42 minute hold I spoke to a customer service rep that told me that as of XX/XX/2021 I could only transfer {$380.00} until next month. The next time I could transfer money wouldn't be until XX/XX/2021. I have been receiving the run around from Netspend and they are unwilling to compromise regarding releasing these funds. I am in the process of selling a house and these funds are a necessity to get the home improvement work completed. Their policies are restrictive to the customer and their customer service has been subpar and has had a negative impact on my day to day personal duties and responsibilities and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I reacted out to pay my past due balance, scheduled a payment for XXXX, due date is set for XXXX. I adored if I payed last than the amount due would I be charged a fee the representative I spoke to said no and he would remove the late fee charged for XXXX statement. There was a credit for the late fee the XXXX payment posted and I received a notice of statement for XXXX and have a late fee for XXXX. I paid before the cycle due date for XXXX how do I incur a late fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: RFNA, LP
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a loan from XXXX XXXX XXXX in XXXX SC. I was paying my loan faithfully. I also had insurance on my loan. In XXXX of 2014 I had to have XXXX. I turned in all paperwork that was needed to cover the loan under the insurance program. I checked my credit a few months later and the lady at the office told me that it was going to report negatively since the insurance company takes a while to send them the checks and they cant report till the actually receive a check. 
That is not fair to me, the consumer. I followed all of the rules, turned in all paperwork on time and had my dr statemts when they were due. I am being charges additional fees due to the insurance company being late with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN Investigation Results XXXX XXXX : XXXX Student Loans Credit Reporting CFPB Complaint Number XXXX Dear CFPB and Federal Reserve : Per results of the investigation initiated via CFPB web portal. The results of EXPERIAN investigation concluded nothing and response was not provided with CFPB complaint number. 
EXPERIAN continues ongoing disrespect and disregard for the Fair Credit Reporting Act, consumer protection, CFPB regulation of consumer reports, examination and compliance. 

Due to EXPERIAN willful non compliance. The CFPB dispute resolution process was not fulfilled. 
EXPERIAN may lose XXXX dollars as a result of continued non compliance and boycott of this agency by consumer creditors.

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 2016-10-05
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I would like help from the CFPB to have Suntrust Mortgage refund the fees paid to process a refinance of my current mortgage. 
My current mortgage lender is SunTrust and this loan is recorded in our family trust. While shopping for a refinance, on XXXX separate recorded phone calls the Suntrust loan officer assured me if I refinanced with SunTrust the new loan could be recorded in the existing family trust. After submitting my documents ( including the family trust ) and getting pre- approval, I was charged a {$540.00} appraisal fee and a {$14.00} credit report fee. 
After these fees were paid I was notified that Suntrust would not record the refinance into the family trust as previously promised. I was given two options : 1. Record the new loan in my name, re-record it in my County to the Family Trust and pay a lawyer to amend the trust. 2. Change the family trust to meet their requirements but they claimed they could not disclose to me what those requirements are. 
On XX/XX/2016 I requested a refund of the fees already paid because I believe Suntrust acted in bad faith. They were aware from the beginning that keeping the new loan in the family trust was an essential factor in my decision to select Suntrust for the refinance. My current Suntrust Mortgage is recorded in the same family trust so there was no reason to suspect they would not/could not record the new loan to the trust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have escrow with my mortgage. They are required to timely pay my property taxes and home insurance. My insurance renewal was received on XX/XX/XXXX, they only made a partial payment. My policy lapses on XX/XX/XXXX. When i contacted company that they have not paid my insurance timely they advised me they will pay after my policy expires. That is a breach of contract and exposing my to risk and higher insurance costs.

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 2016-10-21
Company: AES/PHEAA
State: NY
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:
I have been working with representatives at FedLoan and XXXX, in the process of consolidating some of my federal loans. I am doing this specifically because some of my federal loans are already PSLF-eligible, and I have been paying on them for over 4 years. Others, I recently realized, after previously been given incorrect information, are not PSLF-eligible. I was advised to consolidate only those loans, so that my payment can be lowered, and then those loans will also be paid, and the payment being made towards eventual loan forgiveness. In the transition of my loans from XXXX to FedLoan, a representative at some point processed the consolidation, and un-known to me, a previous attempt at doing this negated my 30-day window to reject the consolidation if something was wrong. As a result, all of my loans were consolidated, this making 4 years of payments I had made on PSLF-eligible loans obsolete. I have been dealing with FedLoan for over 6 months at this point, have complained to the Federal Student Loan Obmudsman, and have gotten nowhere. FedLoan 's consolidation department has said to me over the phone they could see where the error happened, but told me nothing can be done, the loans are consolidated, and I am out to luck. For the 5+ months, I have been given contradictory information from all loan servicers, have tried to document and follow-up with requests for information, and am at a point now where I have nowhere to turn. I am trying to make the most of the federal policies that have been outlined - my wife and I both work in education, all of our student loan debt is through public loans, and neither of us can get the cusomter service needed to ensure our loans are getting paid correctly and are PSLF-eligible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: AES/PHEAA
State: NY
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:
I missed a few payments on XXXX private loans managed by American Education Services ( AES ) while I was sick. When I was told the XXXX loan would default, I began making payments and quickly paid off the past-due amount. However, by that time, XXXX of the loans had already been placed into default. For that loan, I received no communications - at all - about past due amounts or a warning that it would be put in default. I confirmed with AES that there was no communication received regarding that loan. I contacted AES in writing to request the loan be taken out of default, because I was not notified of the past due amount or the default, and to make my payments current. I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: DISCOVER BANK
State: TX
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 missed a payment with Discover Card due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called Discover and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through XXXX and Discover reported I was late and it should remain on my account. I called Discover on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: AL
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:
To whom it may concern, I sent a Method of Verification Letter on XX/XX/2021 by certified mail to XXXX, Equifax, XXXX, XXXX XXXX and XXXX in order to verify such information that is being reported on my credit reports. They received the letters on XX/XX/2021 and XXXX XXXX. I received a letter from XXXX stating they received my letter and provided a break down of the investigation process on XXXX XXXX as a stall tactic. I received no response from any other bureau. I also have not received any investigation results from XXXX. It has been over XXXX days since my receipt of my first letter sent to each bureau. I have also sent a second letter by mail on XX/XX/2021 as a follow up letter to each credit bureau.Consumers have the right to request a method of verification if they believe the item was not investigated properly. Also According to the FCRA Rules, FCRA 623 ( bX2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received no response XXXX after the receipt of my certified mail, one can assume that there was no investigation into the matter. I plan to purchase a home later this year and having this alleged bankruptcy on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original XXXX of XXXX XXXX. I contacted the courts and they stated they did not provide any information to the bureaus so how was this verified? This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: High Point Asset Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive numerous calls on my work line for debt for a XXXX XXXX. I have indicated I have had this phone number for almost 9 years and nobody by that name lives here, but I still get calls. The most recent is from High Point Asset and they are calling two to four times a day now. 

As stated, I use this line for work, and it is very disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: SC
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:
I have sent multiple investigation request to Equifax in regards to the reporting of 3 accounts ; XXXX XXXX XXXX and two accounts that don't have a creditor reporting. I requested the investigation because all 3 accounts are reporting inaccurately. I haven't received any correspondences or notifications from Equifax on either of these accounts since I requested the initial investigation in XXXX of 2020.

Company response to consumer: Closed with explanation