BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all XXXX reporting agencies that information they still are reporting XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Chase has just stated ( XXXX XXXX, XXXX ) that I am due for the XXXX XXXX payment on this loan and I am attaching proofs of payments made from XXXX XXXX - XXXX XXXX. Also I am attaching XXXX wrongful/illegal acts of mortgage banking : first a suspense account that DID exist for years and my original loan document showing that my loan is based on Estimate Payments which is also predatory. XXXX XXXX XXXX and XXXX XXXX XXXX have lied to me during the past two weeks on this and many other issues in effort to give this site as well as XXXX and other agencies wrongful information, while hiding the attached proving the suspense account as well as predatory lending ( estimate payments schedule since XXXX ). XXXX XXXX has told me via phone last week that I only need wait for the " foreclosure sale date '' and refused to answer my questions regarding an auction that would be first necessary to take my name off of my deed to give to a land court to throw me out eviction notice. Refusing to give me any acknowledgement/answers of this procedure denies me of my consumer rights!! as well as offering me a Non affordable modification ( based on predator loan wrong balance, etc ... ) which would take about 75 % of my small XXXX only ioncome which is no way affordable. This in itself is in breach of foreclosure laws!!! Regardless of my refusing it or not! due to this predator loan to be continued another XXXX40 yrs on the original {$72000.00} balance initiated in XXXX. Please see the attachment showing the interest alone {$230.00}, XXXX on that amount ( borrowed {$72000.00} ) the total they are still trying to make me pay is XXXX!!! 400 % interest!!! XXXX XXXX XXXX and XXXX XXXX XXXX should be investigated for possible fraud and or conspiracy!!!!! while also giving false information to this site as well as XXXX in effort to fraudulently foreclose on me starting possibly next week. Again my questions of an auction are being ignored as they do now want me to be home to witness my home being sold and a different name put on my deed to intentionally deny me of my consumer rights!! Again I am XXXX yrs old and legally XXXX with numerous XXXX related medical problems that are aggravated by all of this insanity and abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank did not give {$200.00} welcome bonus for my checking account. 

This is the advertisement : To qualify for the {$200.00} bonus : open a new Fifth Third Essential Checking account, within 45 days of opening the account make deposits totaling {$500.00} or more AND then maintain a balance of at least {$500.00} for 60 days from the date the balance requirement is reached.

I deposited {$600.00} on XX/XX/2018 and maintained the average balance for more than 60 days. Never received any bonus. Made several attempts by contacting various branch locations. I opened the account online and no branch is taking ownership of this problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I came thru drive thru at XXXX to drop off XXXX deposits before the bank closes at XXXX because its Saturday and when the worker came up to me at drive thru she did n't even acknowledge me she just opened the metal drawer and pull it back in and walked away. I do n't care if I came at XXXX technically ya 'll are still opened gor another 5 minutes so if she had a problem doing my deposits I can gladly change banks because I do n't need a worker with a XXXX face on dealing with my money. This location is TD Bank XXXX XXXX XXXX, Fl XXXX. I do n't know her name but she is shortXXXX. Deal with her and how to be customer friendly because her customer service is ugly. Thank you and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This account I c systems ( 11 attached XXXX XXXX ) on my credit record!!! has been transferred to a lot of differnt lenders!! It always shows different dates on my credit report when it's an old account because they keep transferring it to different lenders so the dates r always showing recent from this account!! when there actually from years ago!! Dates are not accurate it's an old account!! information is inaccurate!! Disputed it many times with XXXX XXXX to no avail!! This account has been removed from XXXX as of this month!!! It needs to be removed from XXXX XXXX as well!!!

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 2015-05-20
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On the same day debits were presented for payment a deposit for double that amount was made ; but somehow TD Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had my accounts with Chase for years. I got a letter stating they decided to close my account and I called which at that time was told they did not have to disclose why and I requested to speak to a manager and was told nobody had to disclose why they decided to terminate our relationship. I was then put on hold for a hour which at that point I hung up the phone. I even have my auto loan with them. I am a great customer and feel like there is no reason my account should be closed with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Tried to apply for a bank account with chase and was turned down because of an old paid balance of 50 something dollars find this action has affected my personal well being and want this issue resolved and an account open not just an access account but a regular checking account which i am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Other

Complaint:
Bank of America presented me with an online bill showing XX/XX/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous billing cycle. The only thing is their system said I was due for XX/XX/2016, so I as a consumer did exactly as any consumer would do- pay the bill. They then sent me another bill showing a missed payment for XXXX XXXX. Perplexed by the new statement and the status I proceeded to call to further investigate and found they showed me due but said me paying that day was considered prior to cycle. I asked how could that be if I am seeing the amount and due date and a request for payment? I consider this a deceptive practice since they had issued the bill and had no disclaimer advising me of when and how they would post my payment if I paid on that day. As a consumer I find this practice is unfair and deceptive.

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 2015-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I asked for a " chip and pin '' debit card and received it a few weeks ago. I was told that it would n't be like a previous card I had that used a chip and would work by waving the card around, seemingly magically. I assumed it would work with a pin number but I have had a different experience than I expected. The bank ( in my case, it 's J. P. Morgan Chase ) has chosen to implement a system whereby for the most part, the chip replaced the pin number. I do n't like this because if I should lose my card, it is immediately usable by anyone who finds it. I want my card to be like it was before, but with a chip.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank restructured transactions in my checking account so that they could extract XXXX overdraft fees instead of XXXX on XXXX XXXX, 2016. In fact, the first XXXX debits arrived early in the day, and the last, much larger debit was a late debit. There were sufficient funds to pay the first XXXX debits, and so only XXXX fee should have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX XXXX, 2016, I made an online payment of {$1900.00} to pay my Fidelity XXXX XXXX monthly payment in full, due XXXX XXXX, 2016. The payment posted to my account on XXXX, 2016. On XXXX XXXX, 2016, FIA Card Services withdrew a second monthly payment of {$1900.00} from my checking account for the monthly payment. Of course, this caused my checking account to be overdrawn and incurring a {$35.00} overdraft fee on my account. The erroneous XXXX payment of my monthly balance posted on XXXX, 2016. They now tell me it will be 7 to 10 business days before they can replace the XXXX payment back into my checking account, which may make me unable to pay some monthly payments while they are " researching '' the problem

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 2017-01-31
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
This new submission is about the complaint XXXX made in 2014 against Sallie Mae, notifying that I want to be part to the suing made to this institution, who gave me the only solution of a forbearance of {$100.00} for one month when I 'm unemployed. Right now, I 'm unemployed again and with medical expenses, which I wo n't be able to continue paying through their collection agency, XXXX XXXX. A letter was sent yesterday. 

I also want to notify that I have called few times to be signed off of a loan I co-signed. They said I was able to be out of it after a year of a full payment by the borrower. It 's been two years, and I was told, that wo n't be happening. Attached the loan I co-signed. 

I also remember, not giving any other option when I stated I was going back to university.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in foreclosure since 2008 on my home mortgage ... The mortgage holder is Bank of America , National Association, and the mortgage servicers XXXX ... I fell behind due to financial hardships, the economy and personal hardships ... I was put in active foreclosure and worked diligently to get a loan modification ... I was given a forbearance agreement and lived to the terms/conditions of the agreement by making XXXX consecutive payments on time ... I was not given a loan modification as I was told I would have to pay the full amount due in arrears which I could not do at the time ... I continued to try and work on a loan modification and continued to pay the monthly payments on time -- -some were cashed, some returned ... I finally had to put myself into Chapter XXXX bankruptcy to stop the sale of my house ... while in bankruptcy the mortgage holder sent to the courts a note completely different from the note they produced in my foreclosure case -- XXXX separate and disctinct notes with different signatures ... I discharged myself from bankruptcy and continued to pay my mortgage on time and have for the past three years ... I am afraid the mortgage company will start the sale process again as I have continued to send them information they request ( as I have at least ten additional times in the past ) and I do not foresee them granting a loan modification ... XXXX XXXX claims I do not fit into their mold for a loan modification ... XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed to pay a debt that is not mine

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 2017-01-26
Company: Global Asset Agency, Inc.
State: RI
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I have not taken out a loan from XXXX and I have a confirmation from XXXX XXXX, XXXX the owner of XXXX that I never took out a payday loan from XXXX. They called and threatened criminal charges today if I didnt set up a payment arrangement. I know these guys are fraudulent but the only way I could get them to show me who they are is to make a small payment. They are Global Asset Agency registered in Wyoming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I applied for a loan from Santander and was approved on the XX/XX/XXXX. went to buy car on the XX/XX/XXXX. I was told that I had to use XXXX, so I went to XXXX and purchased a car. I received a bill of sale stating XXXX $ owed to XXXX. Then on the XX/XX/XXXX XXXX sent me a letter stating that I can't keep the car and I'm going to need to bring the car back or I'm going to be in default. How can i be in default before the first payment is due? Now they are suing me in civil court? Ive reached out to them and get nothing back. the car was repossessed and i went to go get my belongings from the car. Unfortunately i am in a financial situation that isn't that great. Mom has XXXX and father has stage XXXX XXXX XXXX. They wouldn't give me my belongings back. They stole everything in my car and wouldn't even have the decency to give me an itemized list. YOU SENT THE DOCUMENTS TO THE WRONG ADRESS ABOUT THE REPO. THEN FIRED THE PERSON ( XXXX ). IT WASNT MY LAST KNOW ADRESS My life has been adversely affected by what was supposed to be a seem-less transaction. i also was assaulted by the repossession agent that they sent on XX/XX/XXXX I PREVIOUSLY SENT IN A COMPLAINT AND THEY BRUSHED IT OFF TO SANTANDER. I NOW HAVE A LETTER FROM SANTANDER STATING THAT THEY WERE NEVER SENT THE PAPERWORK ON THE LOAN. Im tired of doing this. I didnt file an answer to your complaint so i can sue you when i find the attorney to take the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Today I logged into my XXXX account only to find out it showed a {$6400.00} credit line ( with a {$0.00} balance ) from Kay Jewelers had been closed TODAY ( XXXX/XXXX/2016 ). 

I have not received any correspondence whatsoever in regards to my card ( aside from just having received a brand new card in the mail ) and as far as I am concerned my account was in very good standing. 

Upon reaching out, I was advised that they have a standard policy of deactivating accounts that have not been used in a certain amount of time. Now this is complete, absolute and utter XXXX -- they do n't reach out to the consumer, send a letter advising that this is about to happen or anything -- they just simply close down a credit account that has been active and in good standing for 3 or 4+ years. 

Nobody from Kay was in any position to help me whatsoever or help fix the issue, and now they 've not only lost a customer for life but they went ahead and shut down a {$6400.00} credit line that I had every intention of continuing to use. 

It is absolutely heinous to me that they have absolutely no requirement or responsibility to the cardholder to advise them of something they will be doing that can so negatively impact their credit reports. Moreover, the complete apathy from Kay staff was disgusting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Feldman & Stern, LLC
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A XXXX XXXX XXXX is calling / harassing my wife, me, and now my wife 's mother. He is calling on behalf of Feldman & Stern, LLC out of Florida, which I believe is a company created for just these types of scam opportunities. He is telling me that I have 24 hours to pay this debt that we have never heard of. Apparently the $ 100+ debt is from their client, XXXX XXXX, which we have n't been members of for about 5 years now. We contacted XXXX XXXX and are hoping they take this to the top. This debt collector email us a letter which we asked for and it look so un-professional with many errors. FAKE ... The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX which is different than the address for this LLC on the secretary of state 's website for Florida. Anyway ... they gave a phone number which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: SLM CORPORATION
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The company where I currently have my private student loan through will not give me any options to lower my monthly payment, that I have repeatedly told them I can not afford. The only option they would give me was to put the loan in forbearance. Even though I have told them I can pay something just not the total amount of the loan due to being a single mother of XXXX children. I have had to put the loan in forbearance 2 times for 3 months each. While the loan is in forbearance it is still accruing interest which will increase the monthly payment even more. When I asked the employee about this and how that made any sense if I already can not afford the payment and basically the only thing they will do is increase the amount of the monthly payment, the employee would only state that he was sorry but there was nothing they could do for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Element Global Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Debt collector agent from Element Global Services continually calls me looking for someone I do not know. I have had this phone number for 30 years. They tell me they 'll remove my phone number but in a few weeks I get another call. The police department tells me he lives in the same town and they know who he is. This time the agent asked if I was his mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX-paid in full with XXXX balance need to come off credit reportXXXX XXXX XXXX XXXX paid in full XXXX balance need to come off credit reportChase Card -paid off XXXX balance needs to come off credit reportXXXX XXXX-XXXX balance need to come off credit reportXXXX XXXX paid off need to come off credit reportXXXX XXXX- Recent balance not updated-paied monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Chase bank is handling a wire transfer payment to my account at XXXX. The payment was initiated on XX/XX/XXXX, but I still have not received the funds. The person who initiated the transfer has contacted the bank several times in the interim. Chase claimed they needed my full name, date of birth, nationality and place of birth and had " flagged '' this wire transfer. 

Chase has deducted {$30.00} from the payment for this service, but has so far not transferred the funds.

Company response to consumer: Closed with explanation