BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i checked my credit profile and i noticed there is an item on my account for the amount of XXXX from XXXX i been having some issues with my credit so i m assuming this is fraud and i strongly believe this is not my account. i would like for the above company to stop threatening me and harassing me using profanity i called because the number was listed on my account as of XX/XX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Will call several times a day although permission was never given to them to contact me via certain telephone numbers. I am paying more than necessary every month to make up for my missed payment but they keep calling anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I contacted my bank about what I believe to be fraudulent activity on my account that I recently noticed. The banker is stating that they are unwilling to do their do diligence to investigate this matter further. They actually notified me of a security breach back in XXXX 2013 however the are unwilling to investigate that breach. Furthermore, the representative stated my banking is my responsibility. I believe my banking is the responsibility of the institution where my money is placed. Especially if my money is supposed to be backed by FDIC. The representative also stated that there are times when there are things they as a banking institution overlook. That does not sit well with me and I believe if there was something overlooked it is their responsibility to investigate what they stated was a security breach and possible fraudulent activity. The representatives I spoke to were XXXX, XXXX, and XXXX. They are unwilling to investigate because they claim I logged into my account and that I should have reported it sooner. However, they all stated I have a two year window in which to report fraudulent activity and they refuse to honor their own verbal and written agreement. Additionally, I stated that I did not want to get into my own personal/medically history but that their are reasons ( medically/personally ) why the charges may have been overlooked on my end. I but my trust in the institution where I bank to honor their agreement to keep my money safe. I do not feel safe with an institution that will not investigate fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Chase XXXX Business Checking account with a coupon to receive a {$500.00} bonus when you deposit {$500.00} and maintain a balance of at least {$500.00} for 60 days. I deposited {$500.00}, waited 60 days and saw no bonus. I sent a secure message through chase online and got a response saying : 1 ) the original {$500.00} needed to be in " new '' money, 2 ) I should talk to the bank who could offer an exception to grant me the bonus as the original banker had promised. Firstly, the banker, who opened the account for me, told me at the time that I would get the {$500.00} bonus if I deposited the {$500.00} to open the account, he did not tell me the {$500.00} deposit had to be " new '' money. Thus, in front of him, I deposited {$500.00} to open the new account with other Chase money, not " new '' money. So I called the bank and the manager said her marketing manager would not honor the bonus as previously promised by the banker. I had just deposited {$600.00} in " new '' money to the account as a sign of good faith but the manager still said no to the bonus. I have been mislead and now seeking the {$500.00} bonus as originally promised. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Application processing delay

Complaint:
The Chase account has been reporting on my personal credit report, when in fact, this account should be listed on my business credit. I have disputed this information with the XXXX credit bureaus and nothing has come of it. I am appalled at this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase closed XXXX of my accounts and stated they had a right to close any account for any reason or no reason. The funds from the account and fees assessed upon closure in the amount of {$370.00}, have never been received or cashed. Chase continued to assess fees to another account I had and I chose to close the relationship with Chase and closed the account at a bank branch on XX/XX/XXXX2016. See attachment. Afterwards Chase has continued to process transactions on the account and has assessed further fees in the amount of {$200.00}, in addition to the {$34.00} fee which caused me to close the account. See Attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
A student loan was taken out and my name was used as a cosigner with a forged signature. I disputed the loan and signed an affidavit as well as filing XXXX police reports in my town and in the town in which the fraud occurred. Without reason or explanation Chase bank has denied my dispute package. In addition they have constantly threatened me. A non bias entity has ruled it a fraud, Chase is bias in regards to it is their loan. They remain uncooperative and drag things out for months. After this account was defaulted and closed they illegally pulled my credit twice. Chase will not give any reason for the denial and gives my lawyer and myself the run around. They have no proof I signed this document and ample proof that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: ATG Credit, LLC
State: PR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took only XXXX course and the balance was pay by my fed loan XXXX and they said, my new balance is XXXX and my account was move to collection agency. I do n't know how to disputed the new balance, they going to close the college on XXXX 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: A-1 Fast Cash of Tucker, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On Several occasions I asked the title loan company A1 Fast Cash to not call me. I blocked their number numerous times and had to change my number. On XXXX XXXX I received numerous text messages from company and requested they stop. Company ignored me and started sending threats of being in jail and sent messages through group chat with other callers that I did n't know of false warrant documents with my personal information I asked again for this to stop they refused. After research the text they sent was false trying to scare me with fake warrant documents for a county I never lived or been in. The actions on the company behalf does violate me and I would like it stopped.

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 2017-03-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Nearly every time I submit paperwork for forebearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am deliquent. I have to re-submit all of my paper work yet again, paying the postage, and taking the hour or two for all of the steps. This occurs every 6 months. I spent hours on the phone on hold, arguing with representatives to have the late fees waived and to finally have my forebearance request considered. This is infuriating. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had money issues and checks have been returned by the bank. the fees so far add up to XXXX with another XXXX forthcoming. I make XXXX dollars a month social security and do not have any other source of income. Is there anyway I can get some of these egregious fees reversed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
finance charges in XXXX, in XXXX XXXX, in XXXX XXXX. I paid {$130.00} on each payment for every month in question.they it 's interest building in your account.Which is not true.I paid my debt down and, the finance charges did n't go down.I have XXXX more accounts with consumer doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
credit card was with initally with washington mutual, paid off on time according to terms stipulated. I received correspondence that Chase would be taking over washington mutual but that my account would not be affected. However, when the change went into effect, Chase starting calling me about the credit card payments, having no records of any payments made. When given confirmation number of last payment, they would agree that it was paid off. This went on for several months. Upon viewing my credit report, it now appears as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Chase promotes a service called Chase Quick Pay. Chase Bank then immediately withdraws the money from the parties bank account. Then they put a 3 business day hold on the funds stating that they do this to verify the transaction has n't been rejected by the other bank. If the transaction had been rejected it would n't go through in the XXXX place. This is a shameful play by the bank not to watch their assets but utilize funds being transferred from person to person to their own benefit. There was no reasonable explanation that the bank could give when I informed them that the funds had been withdrawn from the senders checking account on the day that I requested the funds. A 5 business day hold puts an unnecessary burden on the consumer who is the receiver and owner of these funds. It is also counter to the claim of it being a Quick Payment well known services like XXXX, XXXX, Stripe and banks that offer similar services like XXXX and XXXX XXXX do not hold funds for 5 business days when sent from other parties.They are either immediate or happen with 1 business day. XXXX is XXXX thing but this is excessive and overly burdensome to the consumer especially given how fast electronic transactions occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My wife had been to XXXX XXXX before me they made her pay both times she was there even though her insurance said they was not supposed to charge for XXXXt 2 calls so she called them she had a credit on her account for {$40.00} and asked them to transfer to mine which would still leave a credit of {$5.00} this was supposed to be taken care of but then we got a letter from a collection agency we wrote them back and explained never heard from them again but this showed up on my credit report we even tried contacting XXXX but they never answered their requests either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
repeated calls from Municipal Services Bureau in regard to a debt I do not owe. Spoke with representative and in no uncertain terms I told them to stop the harassment. Last call from XXXX XXXX. XXXX. Are the collection companies suppose to use due diligence in locating the debtor? And should they not research the location and mode of contact of the debtor if and when they are told to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 've been unable to pay. Was put on a payment plan that I did n't know about it ca n't afford to pay and I 've stated this to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Navient Solutions, LLC.
State: MA
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 recently discovered I have only been on a " interest-only '' payment with XXXX XXXX or as they are now calling themselves, Navient. The interest only payment is {$630.00} dollars a month! I make {$40000.00} grand a year and owe {$130000.00} in student loans so I immediately called them to ask them for a lower payment plan. They old me that I do not qualify because I " make too much money. '' I then told them that I have been in conversations with bankruptcy attorneys because of my student loan debt. They told me the only way they would even consider lowering my monthly payments and my current interest rates of 11.5 % is if I do actually file for bankruptcy. This is an absolute joke. These private loan lenders are sucking the working class dry and robbing us of any hopes of a future. I ca n't even move out of my parents house because my " minimum principal '' payment is {$1100.00} per month until I am XXXX years old. I am currently XXXX, how is this even legal? Legislation needs to change IMMEDIATELY regarding private loan lenders, especially XXXX XXXX. They are the biggest loan sharks I have ever dealt with in my entire life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am currently enrolled in school and working on building my credit. My loan is now deferred, but I have several missed payments being reported on my credit report that is dropping my score. How can I have these remarks removed now that my accounts are current and may have been reported incorrectly?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Performant Financial Corporation
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Following from unsolved issue with Case number : XXXX. 
There are still multiple issues with Performant 's actions. 1 ) When I called two weeks ago seeking documentation about how my payments were allocated against the loan, I was told Performant no longer had any documentation concerning my loan. Pull the recorded tapes to validate. That is a unfair and deceptive practice. Only reason I have been provided any responses is because I engaged the CFPB. 2 ) Performant is claiming that I voluntarily enter the rehab payment plan. That is untrue. I was forced into the plan by Performant and threatened with wage garnishment. Further, when I submitted all my monthly expenses to validate I could not afford $ XXXX/month Performant said I was denied by American Student Assistance and payment was either {$800.00} or likely a higher wage garnishment. Again pull the recorded conversations. Therefore, I want evidence that my monthly expense forms were sent to XXXX XXXX XXXX and reviewed, and subsequently denied. I want a paper trail. 3 ) Based on the information provided by Performant it appears that Performant collected over {$5500.00} in collections fees. I would like to know how that is reasonable in comparison to a rehabilitation program to which I paid in {$7200.00}? That is XXXX % collection fees. There appears to be a serious conflict of interest between XXXX XXXX XXXX and Performant. Performant ensures high payments are made to collect extremely high fees, then XXXX XXXX XXXX continues to collect on a loan which virtually was paid down none in the rehab program. Look forward to your response.

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 2015-05-11
Company: Optio Solutions, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX/XXXX/2015 QCS ITEMFEE CK RETURN FEE ID XXXX CO QCS ITEMFEE CK ACH ECC PPD ACH Trace XXXX {$25.00} {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Credit Systems International, 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:
Credit Systems International is attempting to collect a debt of XXXX, when the documentation they sent to me shows a credit balance of XXXX. When I call them, they say that I must be misreading the statement, which I am not. Apparently they are looking for the file, but continue to assure me that I owe the money. The last person also stated that they will now do their " due diligence '', which, of course, should have been done BEFORE they attempted to collect anything in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an account with Suntrust for over XXXX years. Both Business and Personal. Today without notice they closed all my accounts. I never received a call. Now on my wife 's direct deposit is going in and we can not get to that either. We XXXX opened this account XXXX. Now On my business account I was working with a client who gave me a bad payment and no Suntrust did not lose any money. But I can not get to my money either and I have a good standing for over XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. The listing agent, XXXX XXXX XXXX XXXX, XXXX and/or Suntrust Mortgage Bank, failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing it for resale. 
XXXX XXXX XXXX ( homeowner policy ) sent an engineer to analyze the problem. It was determined that the property was built on a trash pit which has decomposed causing an XXXX horizontal hollowness below the slap. The right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions. There were no sewage leaks. Kitchen tiles are cracked and using the back door is hazardous because one XXXX step out into a sink hole. The rear right corner of the building is supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure but what about contaminating my health! 
My neighbor next door, XXXX XXXX, one of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings in the ground during the residency of the XXXX owner. 
XXXX XXXX XXXX denies this claim. I was informed that policy coverage is for structural damage only not soil. I am retired ; did not foresee this calamity, and must make the costly repairs. Absence of costly repairs will terminate insurance coverage and I will have to vacate. 
This is unfair business practice. Due diligence should be a requirement for businesses. 
Please advise me what steps to take to safeguard my asset and be compensated for the costly repairs. 
I would appreciate your help. 

Thank you XXXX XXXX

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 2016-04-28
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The attached XXXX mortgage assignments by well known and admitted rob-signers are clouding title to our property.

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