BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-22
Company: Netspend Corporation
State: MI
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Adding money

Complaint:
I went to a XXXX XXXX store o purchase a prepaid netspend card to pay abill over the phone. When I trie to activate the the person on the stated she could not activate card do to a block. I ask her how could that be this is a prepaid card, I paid XXXX XXXX money to put on the card. She sayed it wasn, t anything she could do. Go back to XXXX XXXX to get a refund. I went back to the XXXX XXXX to get a refund the clerk stated that netspend had put a block on the prepaid card so I could, nt received refund. I call netspend back sh he stated she would release a check on XXXX/XXXX/2015 to waite 5 to 10 days. I d not received check in 5 days, so I call netspend back the person that answer phone stated she did not she wear it was a check mail to me. she stated she would issue the check the next day. To wait 3 to 5 day. It is XX/XX/XXXX2015. I still have not receive my owe money I paid to be put on this card. Everybody at netspend have been telling me a big lie every since XXXX/XXXX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Receivables Performance Management, LLC
State: OH
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:
XXXX continues to say I owe a paid debt. I have a letter from them saying paid in full and XXXX will not remove either despite complaints and copy of paid in full letter

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 2016-06-07
Company: Receivables Performance Management, LLC
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:
A former roomate opened XXXX cell phone accounts in my name using my personal information, XXXX with XXXX, another with XXXX has removed this account from my credit reports, XXXX keeps sending mny account to collections despite being provide with a ftc fraud affifavit and numerous legitimate police reports

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 2016-08-25
Company: AES/PHEAA
State: CO
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 signed up for direct debit, have e-mails saying it was set up for XXXX to be paid ( the due date ). Come XXXX it had not been withdrawn from my account. Worried I called My Fed Loan and they said sometimes it takes a couple of days to withdraw the amount, so I waited two more days, contacted them and they said it WAS PAID, but nothing came out of my account! I figured maybe it was in the process of transferring or something? Eight days later and they 're sending me notices for not paying. 
That is absolutely ridiculous ; there is no reason in this day and age when student loan users are grossly abused that the provider ca n't have a decent system set up SO I CAN PAY THEM THE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been trying to get a XXXX plan with my servicer but they keep denying me for documentation or not responding. Help, I changed jobs and took a drastic decrease in income and cant afford to pay the payments and need the plan changed without getting a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
On or about XX/XX/XXXX I went to the local Sun Trust bank to open a CD. I was referred to the investment Rep, XXXX XXXX, to consider their " Sun Trust Index-linked Certificates of Deposit ( SILC ). I was given some paper work which I read and was told that the SILC was only available until the end of the month. I was not told and no where in the paperwork did I find any info indicating that they would charge a surcharge for opening the account. I opened an account for a {$50000.00} six year CD with a guaranteed return of 5.5 % at the end of the term but that it could be higher based on the XXXX XXXX XXXX. In early XXXX I received a statement indicating that my account with a settlement date of XX/XX/XXXX had a value of only {$48000.00} and a cost basis of {$50000.00} as of XX/XX/XXXX with an unrealized loss of {$1500.00}. I questioned XXXX XXXX as to what happened to the money. He said it was due to fluctuation in the market which I told him was impossible to have a drop in the XXXX of exactly 3 % on the day of the transaction. He later changed the story which he has changed a few other times and now says it is in the document that there would be a charge but he still will not tell me where in the document this info exist. In XX/XX/XXXX I received a XXXX for the {$410.00} interest but no mention of a fee. I obviously had to pay tax on the {$410.00}. It appears that they treat the income similar to other stocks or bonds but not the cost basis. I feel someone needs to review where those funds go. I have never heard that a bank charges for opening a CD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: AES/PHEAA
State: MO
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 've been working in the XXXX profession for the past 5.5 years and have regularly been making payments on my student loans. I submitted the paperwork for Public Service Loan Forgiveness and learned, to my dismay, that none of the previous years worth of payments counted towards my loan forgiveness. This was understandably a blow because I was never made to understand that only certain repayment plans qualify. Given that a lot of time and money went into paying my loans in full and on time I think at least a portion of those payments should count toward my Public Service Loan Forgiveness. Unfortunately when I called FedLoan Servicing to inquire about this they told me there was no appeal process. This left me at a loss and very disheartened. Given that the language in the letter I received stated that " MOST of your payments must be made ... '' under qualifying repayment plans I think at least a portion of the previous payments made should count towards my forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Credit Karma, LLC
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX XXXX XXXX changed from XXXX XXXX to XXXX XXXX. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
XX/XX/XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XX/XX/XXXX andXX/XX/XXXX as well as today, XX/XX/XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the intital switch, and XXXX in XX/XX/XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
I have a rush card and they were supposed to be going through a system update just for the day of XXXX/XXXX/2015. I get paid tomorrow XXXX/XXXX/2015 and I have read many reviews that no one had received their direct deposit, and the website and app is down. All rush card phone number does when you call it is ring. This is a big inconvenience because I have XXXX babies and bills to pay. I live check to check and work haRd for my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: Torres Credit 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 discharged in bankruptcy

Complaint:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company response to consumer: Closed
Consumer complaint received 2016-03-16
Company: Credit Karma, LLC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a twin brother ( who has a similar name as my own ) and our SSNs are virtually the same sans a single number. With this being the case our credit reports have juxtaposed information on them. This presents a problem anytime our credit is checked.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I received a call about a loan forgiveness program. I gave some information, but nothing too vital. The caller then hung up on me. I think it may have been a scammer. Not sure if they got what they wanted from me or not. The number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: SUNTRUST BANKS, INC.
State: IA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
We have XXXX prepaid debit cards from Suntrust bank that had a beginning balance of {$25.00}. 

We were charged monthly inactivity fees for no activity after 4 months of not using the card, which violates our understanding of the CARD act, which only permits the charging of fees after 12 months of no activity. 

The terms and conditions of the Suntrust prepaid debit card are here : " Inactive Account Fee {$2.00} per month following 3 months of inactivity. Inactivity is defined as no transactions ( cash or purchases ) or account inquiries made on the Card account. " https : XXXX $ XXXX in activity fees $ XXXX in activity feesI 'm asking for Suntrust bank to be held accountable for violating the law on protections against fees within a 1 year period, and for a refund of these activity fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was not living with my parents at the time. They made my mother XXXX she is from XXXX, a citizen of the XXXX but still an XXXX, she didnt know what she was signing. I needed the money to pay the University XXXX XXXX. I tried to settle multiple times or ask or payment relief, reduction of interest rate. The interest rate is 10 %, once in deferment this loan has now grown to a {$38000.00} balance - initially taking out XXXX. THe only thing I was offered was a quarter percent XXXX .25 % XXXX rate reduction for setting up direct withdrawal. I can not afford the monthly payment yet they will not do anything to help. Ideally I want to refinance this and pay less montly but also at a lower interest rate. At this rate I will never pay off this loan. I should n't be crucified or bullied into high interests because I wanted to get a college degree. It is a shame and I feel it is " PREDATORY LEDING '' to the XXXX degree. The financial crisis allowed the XXXX industry to get out of their high interest and bad debt - these banks that lend to students target people who need the money to pay for education. What is wrong with this picture? I THINK A LOT!! How can we do this to the next generation of people trying to make something of themselves?? Putting them in an unrealistic financial situation with ABSURD interest rates and will not budge to settle the amounts or give a break on a XXXX interest rate.. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: IQOR US INC
State: FL
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:
THIS ACCOUNT WAS CLOSED AND THE UNIT CONTENTS SOLD. I HAD REQUESTED FULL DETAILS OF THE PROCEEDS RECOUPED AGAINST THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Experian and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2016-10-17
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am unsure if what happened to me is a legit reason to be this upset but after trying to pay my bill in full part of my payment was declined so I was contacted again by the collection agency to take care of the rest. After asking if I could call my husband to make sure it is okay to make the rest of the payment I was consistently and rudely questioned as to why I needed to call him. I was shaking they were being so rude and I just could not believe they would not allow me to just call them right back. I understand they are a collection agency and need their money back but I felt like I was dealt with on an inappropriate manner.

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 2015-07-18
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I have signed XXXX different car lease contracts and XXXX purchase loan since XXXX 2011 with Honda Financial Services through XXXX different car dealers in XXXX, Georgia ( XXXX XXXX Honda, XXXX Honda and XXXX XXXX ). In all of these cases, the experience of dealing with the financial manager was extremely stressful and I truly believe that the XXXX contracts I signed were outrageously overpriced ( over {$300.00} per month ). Due to my lack of knowledge in the financial aspect and the urge of my family to have means of transport in this complicated city I was left with no option but to sign these contracts. When I commented with my coworkers about my monthly payments they would always say, " But why are you paying so much? '' Also, when I watched TV commercials I would see ( and still see ) that lease offers were much more below than what I was really paying ( up to {$150.00} less ). On my latest experience purchasing a Civic at XXXX XXXX in XXXX, the salesman even told me that my monthly payment would be {$500.00}. I protested and said that I would never pay that amount! He quickly called the financial manager to not lose the sale. I read this week about the discrimination lawsuit against Honda Financial Services and it made me deeply think that being myself a XXXX this was the reason why I was being overcharged on my different contracts with this company. I want a revision of my contracts with Honda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Late fee

Complaint:
On XXXX XXXX, 2016 I realized I had not made my XX/XX/XXXX payment on my account. I called customer service and explained to them that my Mother had transitioned on XXXX XXXX, 2016 and I was so involved with making plans for her services on XXXX XXXX, 2016 and away from home so I had not paid my creditors. I was told that the late fees would be waived this time when they received the payment. I made my regular monthly payment on that day but noticed on XXXX XXXX, 2016 the late fees had not been removed. I called again and was told it would be reversed in 24-48 hours. 
On XXXX XXXX, 2016 I called because there was an {$8.00} past due balance on my account. I was told on numerous occasions that it was a past due fee and not a late fee which had to be paid. 
I wrote a letter to headquarters and asked that they respond by XXXX XXXX, 2016. To date they have not contacted me. 
My problem is I do n't see any difference between a late fee and a past due fee. Also, my agreement does not mention anything about such a fee. I am wondering how many other people they are charging this fee and how much they are charging since there is no written policy in the agreement. Is this legal and can you assist me in getting this fee removed from my account? I have not paid the fee due to I do n't think it is legal.

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 2015-04-16
Company: I.C. System, Inc.
State: TN
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:
On XXXX XXXX, 2015, I was alerted by all XXXX major credit bureaus about a collection agency on my credit report about a balance in the amount of XXXX from the company ICSysytems, I contacted the company and the company had an address that I never knew about. I told the rep that I know nothing about this account. So the rep gave me a number to call, and when I called that number which was XXXX, I stayed on hold for XXXX minutes and the next time I called on the same day, the call drop. And this company is reporting negatively on my account as a collection. I wish the company could of called me about a debt instead of just showing it on my credit report. I am disputing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016, I applied and was approved for ( at a later date ) a Chase XXXX MileagePlus Explorer credit card. The terms of this offer included XXXX XXXX miles for spending {$2000.00} within the first 3 months of account opening. On XXXX XXXX, I noticed through a Chase portal that I was actually targeted for an offer that included XXXX miles for spending {$3000.00} within the first three months of account opening. That same day, I sent Chase a secure message requesting, as a courtesy, that they match they match me to the better offer that I was also targeted for. On XXXX XXXX, I received a response, including the following text : " We are happy to match the new bonus offer. Please reply to this email when you have spent {$3000.00} in the first three months your account is open so we can manually add the additional XXXX bonus miles to your account. '' Note that they required that I spend {$3000.00} to receive the extra XXXX miles, {$1000.00} more than my original offer required. 

On XXXX XXXX, I messaged Chase that I had fulfilled the extra {$1000.00} that they required to earn an extra XXXX XXXX miles. I received a response including the following : " Please accept our apology for the incorrect information you received in our previous response to you dated XXXX XXXX, 2016. 

Since you have opened an XXXX card with different terms and conditions prior to receiving the XXXX mile bonus offer, we regret that we are unable to match that offer to your current account. '' After several messages back and forth, Chase Bank refused to honor their offer of XXXX XXXX miles, the terms of which I had already fulfilled. My position is that it is unacceptable to impose additional requirements on a consumer for an additional benefit, and then refuse to provide that benefit when the consumer fulfills the requirements of the offer.

Company response to consumer: Closed with explanation