BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 've had my car almost 3 years with chase the last year and a half have been very hard because of medical issues and not working full time so have been late at most 56 days passed due recently I am XXXX behind and offered on Monday XXXX XXXX XXXX plus every week XXXX to catch up Chase has consistently told me that I can not pay just that amount I need to pay the full over the phone and they would n't accept less I have constantly been harassed by them on the phone when I call and they are extremely rude and demeaning to where I am afraid to call unless I have the full amount needed so added my husband on my account and they deal directly with him because I hung up in tears every time and I have XXXX so them being so rude and demeaning has caused XXXX. I have asked them for over a year to send me voluntary repo paperwork because I know I can not afford my car any longer because of health reason and not having a full time job. Friday morning at XXXX. They repo my car even with the payment of XXXX promised on Monday after my one weekend of XXXX hours in 2 days and giving my whole check to them. Now I can not give the XXXX on Monday XXXX XXXX because my work I over an hour away. I am so distraught and just want to get my sons car seat and personally belongings out and surrender the keys but a, being told I can not do that unless I pay the repo company money to get stuff out. This has been ongoing a year with them being rude and not taking my payments over the phone until recently with my husband calling them. My husband and I for the last year have called once a week and have kept them up to date on our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in XXXX years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: AFNI INC.
State: TN
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 sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX XXXX XXXX XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up with the .001 % loan rehabilitation program with Financial Asset Management System ( FAMS ) and XXXX for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the FAMS representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. Financial Asset Management Systems misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked FAMS about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I obtained a Home Loan from Bank of America XX/XX/XXXX in XXXX, XXXX We refinance our loan with the SAME bank, Bank of America XXXX to a lower interest rate. We PAID ALL THE FEES Bank of America requested for the refinancing transaction. XXXX HAVE BEEN LATE with our monthly responsibility payments for our mortgage to Bank of America since we obtained our Home Loan in XX/XX/XXXX as well as when we refinance it with them. After 6 years of punctual monthly payments to Bank of America, our monthly payment amount was decreased about three hundred fifty dollars ( {$350.00} ) .This was due to the calculations Bank of America did based on the amount we paid them in 6 years since we obtained our Home loan. Last month, in XX/XX/XXXX, we received a letter from XXXX. This letter dated XX/XX/XXXX, indicates that our mortgage have been transferred to this institution, XXXX and ALL OF A SUDDEN WE ARE SHORT IN OUR ESCROW BALANCE, THEREFORE, THEY ( XXXX ) ARE INCREASING OUR MONTHLY PAYMENTS TO XXXX XXXX XXXX DOLLARS ( {$150.00} ) MORE. My wife and I had never received any prior notification, much lest any CONSULTATION from Bank of America regarding the selling of our Home Loan to a different Institution. We choose Bank of America as our Mortgage Bank BECAUSE OF THE TERMS AND CONDITIONS THEY OFFER US when we apply for our Loan. We had never hear about XXXX before and WITHOUT NO CONSENT from my wife or myself, Bank of America transfers our Mortgage to this other Institution. Evidently, Bank of America is profiting from this FRAUDULENT LOOKING KIND OF TRANSACTIONS. Under any circumstances our Government should allow these Institutions like Bank of America to abuse and take advantage of customers like my wife and I who work hard to fulfill our financial responsibilities. It seems that Bank of America is practicing AGAIN the same kind of deleterious banking practices that many Institutions like them irresponsibly incurred in the near past and brought our country into the most serious financial collapse in recent years. We trust our Government as the REGULATOR AND PROTECTOR of the people against the pattern of arrogance and abuse this Financial Institutions like Bank of America and many other irresponsible ones have. Please advice me and make us feel thatwe can still have TRUST in our system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Incorrect reporting of my status to the following credit bureau, XXXX, XXXX and XXXX. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

Bank of America XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Bank of America needs to correct my account status as Mortgage included in Bankruptcy.

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 2015-05-15
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I owe for a past due utility bill from XX/XX/XXXX. I received a notice XXXX XX/XX/XXXX that I owe {$90.00}. I responded back XXXX XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX XX/XX/XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: CITIBANK, N.A.
State: NJ
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:
My name is XXXX XXXX. I took out federal and non-federal student loans during XXXX while attending the University XXXX XXXX XXXX. The loan was through Citibank with a total of approximately {$40000.00}. I have made all payments on time and typically paid more than the minimum payment because I was trying to repay back my loans faster. I was able to pay off all my loans by XX/XX/XXXX. It is now XX/XX/XXXX and I 'm trying to get a mortgage. My mortgage lender informs me that Citibank had filed a dispute on my student loan. I had never heard of this before and it was shocking since it 's been a couple of years since I had paid off my loans. I called Citibank and they said that the dispute was filed with the credit agencies because of how my last payment was redistributed. This did n't make any sense. You would think that paying off a student loan would have been a good thing ; not something to file a dispute over. They will be sending me a letter via snail mail which will take 5-7 days for me to receive stating that the dispute is closed and that my loans are all paid off. They can not send me an e-mail or fax to confirm this. They can not overnight me this letter. I 'm most likely not going to be able to meet my mortgage commitment due date because of this, since it is holding up my mortgage application process. I 'm filing a complaint because I was treated unfairly by Citibank and they are not willing to do all they can to help me address the repercussions of their mistake. I would like this to be published so that other consumers are warned and if they did have a student loan with Citibank, it does n't hurt to check if there is an open dispute against them. Especially for those who paid off their loans early and are asking Citibank to redistribute the additional payment towards principal instead of interest, since that is apparently why the dispute was opened in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I received a notification from Cash App stating my account was overdraft although I had XXXX in my balance. Cash app continually stated my issue was being escalated and I would receive an email, however that never happened. I continued communicating ( i have photos to prove ) and still have heard nothing back today ( XXXX ) in a span of a few hours twice my cash app account, which I have removed all of my personal banking information from, has had negative balance because someone is removing funding I do not have in there and have not used. Cash app will not respond in regards to this or help in any manor. Also on XX/XX/XXXX it was a news article put out that cash app had been hacked and peoples personal accounts interfered with but again they are not helping to rectify the problem. I have now lost XXXX and now have a negative balance of XXXX for as they are showing failed attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had opened a XXXX bank account back in XXXX using promo code XXXX. This promo code granted you XXXX thank you points after you make at least XXXX bill payment for two consecutive months within 60 days of opening your account. The bill payment has to be initiated from your online account at citi.com using their own bill payment system and it has to be an external bill. 

When i called citi to open the account i told the rep about my code, and he said it should not be a problem. He informed me it would be easier to fill out the application online. I did this, and submitted the code for the promo. Fast forward to XXXX, i have met the requirements, and confirmed with custer service chat rep ( see attached ) they inform me the points will post sometime in XXXX. I send a message to citi askign when my points will be deposited as it is now XXXX. They do an investigation, and tell me since i was not targeted for the offer i will not receive the points, even though a representative from their company told me i would. 

I have since been paying XXXX a month for this bank account, and they refuse to honor the promotion. I am seeking the XXXX Citi thank you points.

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 2020-04-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A credit card was opened in my name in XXXX  for target tdbank. I have emailed, called and written letters they refuse to remove from my credit. A XXXX card was also opened in my name but XXXX removes it. Target only closed the account but will not remove it. They have no proof that I opened the card. I have never used it or made an payment towards it. It was opened with the wrong birthday

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Southwest Recovery Services, Inc.
State: TX
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:
Southwest Recovery Services was paid for an outstanding rental debt that had been paid upon the agreement between myself & the collector that the debt be permanently removed from all XXXX credit bureaus XXXX. They have failed to take any action, which has resulted in difficulty for me to secure housing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CITIBANK, N.A.
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process of working with Citi on a modification. Back in XXXX we had a sale date. The third pArty that is helping us with this process had asked that the sale date be postponed. The processor with Citi stated they would not postpone the sale date because we had not submitted all the requested documents and we were not responding to the phone calls. They did have all the documents and there is a cease and dismiss order in place so they were to communicate through the third party. Which the processor stated as well there was no cease and dismiss. This was escalated within Citi they did postpone the sale date and did admit error. The other issue is on or around XXXX XXXX 2016 the denied us a modification. To this date we have not received the denial in writing stating our options. They have now set another sale dAte. By law we are to be given our options and make a decision within I believe 14 days before a forclosure process can begin

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 2015-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have an FHA mortgage with Bank of America and I have been begging them for the last 3 years to refinance my mortgage. They sent me a XXXX page application to fill out which I did and then faxed it to where they told me to. I am in the midst of a XXXX and my wife, very soon to be XXXX, wants no part of the house as I am so upside down with it. The bank is telling me that since her name is on the original mortgage -- -although she was unemployed and made no contribution financially to the mortgage when we got it -- -they insist on all her financial information and will not move on the application for the refinance. I am between a rock and a hard place as I have just recently retired ( XXXX/XXXX/15 and am now living on Social Security and a State pension. I am at 5 and 1/8 % and I know they can do much better than that but they are completely at a stand still in the process and I am getting no relief from them whatsoever. If you could help me I would be exceedingly grateful. Thank You in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My XXXX loans are with navient. For the last 10 years they have never told me anything about school loans and how to pay them back. when they called they would say you owe us XXXX today. How do you want to pay that. can you pay that and I did not have that kind of money and I was very afraid. they would say each time well lets do forbearance and your payments will be caught up until next year. It sounded like a good plan but I was so afraid, and had no idea I would be over XXXX in debt. I paid off my first college loan in full. I received a notice from them that XXXX of my loans had been turned over to collections where they are garnishing my check for XXXX a month. I did not even know about this loan as it was over 10 years old and I called and explained to them it was not mine. I knew nothing of any programs that was offered me to repay my loans or any income based loans. Now they are threatening to take my social security. there have been times where I felt death is my only way out and could not imagine how the government had put me in this situation. they called me and threatened me, laughed at me, hang up on me several times. I am afraid and I have not been explained any way to repay my loan from Navient. They are taking my tax refund, my social security and my part time job and I never knew any way or any other options I had to repay my school loan. The loan that was over 10 years old was sent to XXXX XXXX and I never even knew about the loan or was it explained to me anything options I had. I was never offered any income based program, repayment options or anything they only offered me forbearance or postpone my payments. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed XXXX bankruptcies are listed on my XXXX credit report. They both came back verified. I asked XXXX to re-investigate these accounts and per section 609 of the FCRA send me all the information from their investigation such as who they spoke with to verifty this information and on which date. I contacted the bankruptcy court and I have a letter from them stating that NOONE has every contacted them to verify this information so my question to them is how are they able to verify this and have it listed on my report. Another thing is the information that they have on my report in inaccurate and incomplete. I had to search for the correct mailing address because the address they have listed on my report in incorrect. I have a copy of the mail that was sent back to me returned to sender. How is this accurate and verified when the address they have listed is WRONG. Also, the information is incomplete. The claim amount is listed as {$0.00}. The Liability amount is listed as {$0.00}. How is this accurate and if a TRUE investigation was done it would be complete. I would like this incorrect and inaccurate account deleted from 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