BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on XXXX XXXX, I called TD Bank of XXXX XXXX to cancel a check for {$4000.00}. i gave them the routing number for the check and check number. i explained that the check had been written out to XXXX XXXX and that I was stopping payment because i was no longer purchasing the house and needed them to stop payment immediately. The woman i spoke to confirmed that the check had been cancelled and i asked to pick up the receipt. 

two weeks later when checking that account, it was brought to our attention that they did not stop payment. when i called customer service for help, they stated that there was n't anything they could do and that they would have someone from the the plymouth meeting branch reach out to me within 24hrs. No one called within that time frame. After 48 hours, i called the same customer service number again and they reassured me that i would have someone contact me with in the hour from that branch. they never called. After that, we went into the branch and spoke to the exact woman who had supposedly cancelled the check in the first place. XXXX had me sign an affidavit and promised me that i would hear something within a few business days. its been 2 weeks and every time i call the branch, i get told that the manager is out and and that the assistant manager will return my phone call, but they dont return my calls. 

this branch lost {$4000.00} of my money and arent doing anything to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Genesis Lending
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am struggling to get the debt relief I am entitled to from a private loan I received while attending XXXX XXXX. The loan came from a private lender named " Genesis Lending through XXXX bank XXXX Through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I stopped paying discover student loans because i couldnt afford it. For 5 years I tried working with discover and attempt to lower payments. I was living paycheck to paycheck and only paying down interest. Student loans are a scam. I stopped paying because they refused to lower my monthly payments. I ignored their phone calls and contacted an attorney. Now Im getting letters that it was sold to a debt collector and i was never notified. In addition, I have never received any communication from XXXX XXXX, the debt collection company, to make arrangements or figure something out. Now they reported it to the credit bureaus and my credit score dropped 30 points because of it. This is just XXXX. I want my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: DHI Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
A Mortgage company, DHI, and my Mortgage Broker, XXXX XXXX, who is an AGENT for DHI MORTGAGE COMPANY, interfered with a contractual relationship I had with my builder, who sold me the new home, and my real estate agent and her broker, who agreed that I was to get a " CASH REBATE '' of {$2000.00}. The Mortgage Broker Company, DHI, and their agent, XXXX XXXX did the following : He informed me, 5 days, prior to my new home closing escrow, that DHI MORTGAGE CO. would n't fund my loan, as per XXXX Requirements, if I ( XXXX-buyer of new home ), were to receive my legally agreed upon CASH REBATE. The CASH REBATE FORM WAS LEGALLY SIGNED by the XXXX parties agreeing that I 'd get the {$2000.00} cash rebate. XXXX XXXX, mortgage and agent to DHI Mortgage CO. forced me under DURESS AND BY COERCION and by FRAUDULENT MISREPRESENTATION, to sign a VOID FORM, voiding my {$2000.00} CASH REBATE THAT I WAS LEGALLY ENTITLED TO RECEIVE. He also, " legally '' interfered with a CONTRACTUAL RELATIONSHIP I HAD with the Builder and Agent, who XXXX signed that CASH REBATE FORM, legally guaranteeing me that I WAS TO RECEIVE the {$2000.00} UPON CLOSING ESCROW. LASTLY, it is ILLEGAL to INTENTIONALLY LEAVE OUT SIGNED FORMS that are PART OF THE PAPERWORK, ESCROW, etc. The CASH REBATE FORM, guaranteeing my {$2000.00}, and the VOID form, which I was forced to sign, WERE INTENTIONALLY NOT INCLUDED IN THE FINAL ESCROW PAPERS. Even though DHI Mortgage and Their Agent, XXXX XXXX did n't sign the REBATE FORM, he did legally and INTENTIONALLY INTERFERE with me getting that CASH REBATE, by refusing to FUND MY MORTGAGE LOAN, 5 days, prior to closing. It takes a couple of months to submit papers, run credit checks, have them check my employer, etc. Nobody in their right mind would walk away from a new home after being approved and the loan ready to fund within a few days, and this is the only way the funding would occur, is if I would forfeit my {$2000.00}. It is n't as though I was working separately with a bank or separate Mortgage Co. Remember, the BUILDER OWES and operates DHI MORTGAGE COMPANY, so XXXX XXXX knew EVERYTHING THERE WAS regarding all paperwork, contracts legally signed, etc.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Before I got divorce my ex wife ran up the target and XXXX credit card. The divorce accord said she would take all responsibility on the target card and I would assume the XXXX card. In the accord it said my name would come off the card and not being affected by the amount of money or the credit score The target card number is XXXX and would expire on XXXX. My court number is XXXX from the state of Michigan. So I would like to have my name and credit off the credit card. She has frozen the account and is making payments on a fix plan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account several years ago with Chase. I recently tried to open an account with them and said that I was " blacklisted '' they will not give me any reasons as to why I can not have an account with there financial institution. They stated I was sent these reasons years ago. I was sent no such letter. I think this is discrimination. I want to know why. I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Platinum Holdings Group, LLC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Today on XXXX/XXXX/XXXX I returned a call to XXXX XXXX of Premium Asset Services LLC. I told her that this debt was paid to the original company I asked her for the information to contact said company. XXXX transferred me to a XXXX XXXX who as soon as he got on the phone was belligerent I said to him that all I needed from him was the phone number to the CC company and his response was that he was not going to give me anything, and he did n't give XXXX because they had talked to me in XXXX and I owed them $ XXXX and they were going to collect. He also threatened me to sue me for this debt. I told him that it was not necessary for him to talk to me like that and I hung up the phone on him. I am in the middle of purchasing a home this debt was not on my credit in XXXX XXXX or previous to. I do n't understand why if I paid this to the original debtor and it been longer than 7 year how is this even allowed. I did n't not entered in a credit contract with Premium Asset Services , LLC so they should not be able to call and threaten me. Also the Statute of Limitations in XXXX DC XXXX in which I live is 3 years. This is unbelievable that a company that you have no contract with can call harass, and threaten you. In conclusion I called XXXX back to let her know that I will be back in touch with her once I receive Bank Statements from XXXX from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: JPMORGAN CHASE & CO.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I live overseas, and I 've been dealing with JP Morgan Chase, who closed an account overdrawn and due for a refund, which they would not process from a vendor due to microtransaction withdrawals being denied. They then proceeded to close my account after 60 days as " charged off '', even though I received confirmation from the vendor the refund went through, meaning I had a positive balance of US {$310.00} in my account. Chase refuses to re-open the account, nor will they mail me a check for the balance owed. I 'm currently living overseas, spent over an hour on the phone with their Deposit Account Recovery Team, who said they are unable to help any further and referred me back to Customer Service, who repeatedly tell me to contact the Deposit Account Recovery Team, despite my continual reminder of their inability to serve my needs. They 've trapped me in a loop of referrals in which no one will serve the complaint, and they owe me money, while continually charging me fees and interest on my credit balance, which has accrued by over {$200.00} since the issue began.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received numerous phone calls from a debt collection company attempting to collect for -- Providian credit card as I found out later. I do not know the name of the company that was calling because they were mispresenting themselves as legal representation. The phone number they ( debt collection company ) were calling me from was XXXX. The message this company was leaving on my phone stated. " Your social security number has been named in fraudulent activity. You will be summoned at your place of employment or your residence, and you will have XXXX counts of fraud filed against you in your county. If you do not respond you will lose all rights to your legal rights. They then leave a case number and the phone number mentioned above to call. When I called the number it turns out to be this Providian credit card account they are trying to collect for, and nothing to do with any fraudulent activity surrounding social security fraud. When I questioned the representative about this, he merely answered " same thing ''. When I asked them to remove my phone number from their list. The representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase flagged my account as fraud/ Abuse with XXXX. Now I can not open an account anywhere and I am a XXXX veteran who only recieves XXXX pay. This has caused me more hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The company Midland funding has filed a lawsuit against me, after that the original creditor XXXX XXXX has investigated this identity theft and dismissed all debt, The collection company was contacted by XXXX XXXX and informed to cease-and-desist, The bad debt was bought back from Midland funding by XXXX XXXX, yet Midland funding is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to Midland funding 's attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with XXXX XXXX the original creditor and they are going to resend all their letters to Midland funding. Not only am I being sued for debt that I do not own and that debt that Midland funding does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with XXXX XXXX 's account numbers and Midland funding 's account numbers on the same letterhead from Midland funding I have also brought this to light and that this was dismissed By letter from XXXX XXXX. Please any help with this would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I just realized that when I do n't pay the full balance of my American Express Blue card, I am charged accumulating interest on the unpaid balance that remains after I pay my bill ( that is expected ), AND -- suddenly -- -I am billed accumulating interest on my newly purchased items that I have not yet been billed for. In other words, I am suddenly paying an interest from day one before I am given a chance to pay it off. For instance -- -one month, I did n't pay {$80.00} of my full balance. Into the following month, I used the card on new purchases. Because I did not pay the {$80.00} ( out of over a {$1000.00} billed to me the month prior ), I was charged interest on the {$80.00} ( fine ), PLUS my new charges ( not fine )! The girl had to explain it to me several times, because I thought I was not understanding her correctly. They charged me interest on my new purchases BEFORE giving me a chance to pay it off! Unreal!! And, this is ONLY because I carried over an {$80.00} balance. I found out that this happened a few times to me in 2015 on small balances I carried over. She said it was in my " agreement. '' Maybe it was, but it is unorthodox and it should be investigated. They must provide me a way to pay it back before they can charge me interest on it. Do n't you think?? How many people do n't realize that they are paying interest from day one on their purchases?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I keep getting calls from Midland Credit XXXX. They call multiple times a day with different XXXX numbers. When you inquire about the issue they do not give you enough information. They say this is about general collections, they give no creditor they are collecting for or any way to dispute their entry. They have bought my charged off debts and are not disclosing any information on resolving them. Midland just says that this is an attempt to collect a debt but does not give you anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from some man who would not identify himself from XXXX XXXX stating he was going to have me arrested tomorrow. I asked what he was calling about and he said fraud and I asked again and he would not answer me then attempted to have me verify my social security number and when I said to send something in writing he refused and said all business was handled over the phone. I asked him not to call back and he has been calling me every hour for the past XXXX hours and threatening me if I do not give him my bank account information. He also keeps saying I committed fraud. Fraud on what I have no idea what he is talking about. I asked for proof and he said see you in court tomorrow. he calls from a blocked number is a XXXX number and then leaves XXXX as the number to call back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collectors may NOT add interest, fees, expenses or charges of any kind to the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX to settle the above debt and it was removed from my credit report. I received an alert that the debt had been added back. Although it has been paid in full and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was denied the Extended Payment option benefit on my Platinum American Express Card. See page XXXX of the PDF where the option to pay over time is listed and pages XXXX-XXXX where the benefit is described. There is no mention of only select accounts are eligible and this feature is a factor in my decision to keep this product. This appears to be a misrepresentation of implied benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding is illegally reporting a re-aged charged off account on all XXXX of my credit reports. I disputed this information with Equifax credit bureau and they informed me that Midland Funding verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Enrolled at XXXX College in XXXX XXXX, California. XXXX College was part of the XXXX College system. Did not receive education as represented or job placement assistance as promised. The whole thing was a fraud. Was ripped off and now am being asked to pay for, essentially, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was told by Navient that my loan was in a long term forbearance since the loss of my children 's father. They said that they would defer my payments until XX/XX/XXXX and that I would have to pay interest when i started repayment in XX/XX/XXXX. Because of financial hardship I was told this was the best option in XX/XX/XXXX. In XX/XX/XXXX I was surprised to find a report on my credit that my loans were delinquent when I had just responded to their email asking if j wanted to continue deferring payments. I was told " not to worry '' since it was on record that I was experiencing hardship and would begin payments in XX/XX/XXXX. Now they have intercepted my tax return and did not forward our previous arrangements to the department of education. I was mid-led & deceived by Navient and in my opinion anyone coming after them to try and clean up their collections is also being mis-led. I have a strong desire to pay my debts and accept full responsibility for them. However this deception has wreaked havoc on my credit and my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: FL
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 graduated at XXXX XXXX XXXX in XXXX 10 years ago, with the promise to get a job as a chef. After 10 years still hard to find a good job in XXXX to pay my expenses. 
Because of that XXXX XXXX XXXX received a lot of lawsuits and they are closing the doors this year. 
I call XXXX XXXX ( Navient ) to help me in 2016 because I was receiving unemployment and they are very hard to deal with. I offer {$50.00} a month and they said the minimun was {$250.00}. 
I will keep paying the Federal Loan but I will stop to pay Navient. 
After 10 years my principal came down from XXXX to XXXX only! it is pathetic, a trap, this loan never ends!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I first e-mailed the Bank of America for a payoff amount on my mortgage on XXXX XXXX, 2017. Although this generated a reply that my e-mail would be answered within two days, I received no reply. I again e-mailed on XXXX XXXX, and again received no reply. I called on XXXX XXXX and received an automated replay that the payoff would be {$18000.00}, and also received a telephonic message that I would have to call and stop automatic payments. The automated phone line would not accept the instruction after hours. I called, I called on XXXX XXXX, waited over twenty minutes to contact someone, asked for a payoff now for XXXX XXXX and was told a letter would be sent. I also was asked to remain on hold while the operator transfer me to someone who could stop the automatic payments. 

I transferred the payoff amount as of XXXX XXXX, but the bank ignored it as a payoff and applied it as a regular payment, deducting an escrow amount and leaving the automatic payment scheduled. I called to get this corrected on the XXXX but was placed on perpetual hold. The bank is misapplying my mortgage payoff and THERE IS NO WAY TO CONTACT THEM. THEY LIST A PHONE NUMBER. AFTER YOU GO THROUGH THEIR SELECTIONS AND ASK FOR AN OPERATOR, THEY PLACE YOU ON PERPETUAL HOLD. THEY DO NOT REPLY TO E-MAILS. THEY HAVE MISAPPLIED MY MORTGAGE PAYOFF WHICH WILL DELAY MY PAYOFF DOCUMENTS, WHICH I NEED, AND THERE IS NO WAY TO TELL THEM SO. I WAITED OVER HALF AN HOUR TO BE CONNECTED TO A PERSON AND LISTED TO " YOUR CALL IS IMPORTANT TO US. WE 'LL BE WITH YOU MOMENTARILY. '' I LISTENED TO THIS FOR 31 MINUTES AND CHECKED FOR A REPLY TO MY E-MAIL EVERY DAY SINCE.

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