BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: Self Financial Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of 2022 I joined Self so I could help build my credit since I didnt have any, while opening the account it told me I had to speak to customer service because something was wrong they stated I didnt have any identity. I was told by an employee If I made any payments it wouldnt help my credit being that I didnt have any, so I didnt make the payment and the account was closed and now its on my credit as a late payment, Im trying to get this off my credit report because this is ridiculous if thats what the employee told me to do then this needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment late due to confusion with the due date as well as personal circumstances. When I made the payment, I asked for the fees ( late fee, interest charge ) to be removed as a courtesy and this request was approved. However, when I checked my statement, I only saw the late fee refunded and {$1.00} of the full interest charge refunded. When I called again, the representative said there was nothing else that could be done for me, even though this prior understanding was reached.

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 2016-12-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Amex Serve has a policy of holding a consumers funds 7 days after a transaction is cancelled. They claim to not have the ability to release the funds even if you submit proof from the merchant that the transaction has indeed been cancelled. I submitted a complaint within the last 3-4 weeks and received a vaguely worded response that in no way addressed my concerns. While I 'm quite sure this practice is not illegal, it is a great inconvenience to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is about Aidvantage. I have tried 3 times to have my loan payments reduced and have sent in all of the documentation. I was able to have the payment reduced last year and understand that I have to re-apply every year. Since splitting from XXXX, who reduced my payments using the same documentation ), Aidvantage finds fault with the same paperwork and denied my request for reduced payments. I talked to them about three weeks ago, around XXXX or so, and asked them what more can I do. I also asked the agent to have her supervisor actually look at the document which is a monthly statement from the company that sends my pension payments each month. They promised to look into it, however, I received an email this morning XX/XX/29, that never mentions the reduced payment request. They also have incorrect information regarding the covid-19 relief measures which have been extended, however, I never stopped making paymenst on my loan. This reduced payment option will expire soon and as of XX/XX/XXXX, they expect me to pay over {$700.00} per month. I am retired now because of a layoff and certainly can not pay that much and they are aware of the fact because I have sent them the information that confirms that I do not have enough income. When I was working making triple what I receive on a monthly basis, I never had to pay that much. I need help because I am not getting anywhere with them. I'm out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our company XXXX XXXX XXXX XXXX had a person posing as XXXX XXXX  get into our computers on XXXX XXXX,XX/XX/XXXX2022. They locked us out and then I started calling Chase. I called 4 times on XXXX XXXX, 2022 worried about our money. They told me to change the password which I did 2 times that night. The lady I spoke to that night said not to worry and I said I didn't want to wake up to money being taken from our account. I went to bed. At XXXX XXXX   on XXXX XXXX,2022 they wired {$39000.00}. from our checking account. They sent me a text a XXXX XXXX. It said call at XXXX  when they open if this isn't correct. I called at XXXX  and filed a complaint. They dropped the call. I called back at XXXX and was told to get to a branch when the open. I did at XXXX. We closed the account and opened a new one. The account said pending on the wire transfer from XXXX XXXX on the XXXX through XX/XX/XXXX. I feel like Chase could have helped but didn't. Also, the FBI and XXXX wanted help but Chase wouldn't let them. I asked for information on where and who and what account it went to. They told me I sent it and I should call my friend and ask for it back I don't know the person that got it. 
Please help me. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I was sent a personalized invitation for an AMEX Gold Delta Skymiles card with a XXXX mile bonus. I applied and was approved and, in good faith, met the spending requirements for the bonus miles. When I discovered I had n't received the bonus miles, I contacted AMEX and was told that since I had the " same '' product 7 years before, I was n't eligible. I told them that it was impossible for me as an invited consumer to determine that a card I had that long ago ( and for which they could provide no documentation that I had received a bonus ) made me ineligible. They admitted that the previous card had a different interest rate and different terms, but insisted it was the " same '' card, something no reasonable consumer could determine. Despite repeated phone calls, escalation of my issue, and promises of a resolution and a response, I never heard back from anyone. On a call today with a supervisor, she acknowledged that they knew I was " ineligible '' when they approved my application and felt they had no obligation to inform me ( or to get back to me about my inquiry, despite having assigned a case number ), thus inducing me unfairly to spend towards the threshold without any intent of issuing me the bonus miles promised to me personally in the promotion. In fact, since the invitation was targeted and addressed to me, they could easily have determined that I was " ineligible '' according to their interpretation of the policy prior to sending the solicitation. I consider that a deceptive practice. If I had been properly informed, I would not have spent that amount of money on the card in the prescribed time and may have decided not to accept the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: MI
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:
My student loan repayment was supposed to start in XX/XX/2022 after graduating according to the XXXX representative Ive spoken to on the phone. However I learned the loans were added to my credit since XX/XX/2022 prematurely, which consequently dropped my credit score by XXXX points. I was in the process of consolidating my loans prior to the start of the repayments as we have limited income and need it be affordable. I was not expecting to start repayment until XXXX but XXXX had reported me as 90/120 days late by XX/XX/2022 which is inaccurate. I disputed this issue immediately but they did not remove it, in fact they added another 30 days late to my credit report which dropped my score even more ( again I filed the dispute in XX/XX/XXXX, and they added another 30 day late UPDATE to credit file on XX/XX/2022 which is accelerated ). My husband and I are looking to buy a home since being displaced during Covid ( loss of income ) and this derogatory credit reporting of an inaccurate student loan repayment agreement has obliterated any chance of that happening. I have always planned to repay the loans after graduating but XXXX has caused a huge issue unnecessarily and has halted any chance to thrive with this act of inconsistent reporting and in the midst of a pandemic. It seems that they have grouped me inaccurately since the dates that I have are different from the dates that they acted upon ( XX/XX/2022 was never discussed to be the start of my repayment plan, when in fact, I was on IBR plan which didnt expire until months after this, perhaps XX/XX/2022 ). I would like all derogatory credit reports from XXXX to be removed as soon as possible, so that I may put an actual plan in place while still regaining a quality of life during a stressful financial time. Thank you.

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 2016-01-27
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is concerning Ocwen Loan service, with my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I first started with a HAMP back in XX/XX/XXXX with XXXX for the person that was renting the home did not get any place with that XXXX kept getting paper work and keeping the rent money where they wanted to foreclosure I file bankruptcy. So we kept trying they kept asking for paper work that I kept sending in. Later they sent it to Ocwen by that time the person who wanted the house moved so I got some one else we start pay ing and still trying to get the modification going not place. So those people moved the last people tried every thing still no progress they asked me to turn it into a lawyer then nothing happen they asked us to get a reality we did, the reality been working with a buyer for just about three years with Ocwen on a short sale. Every time we turn something in we always get something we can not please Ocwen my file is big the reality file is big we were suppose on the short sale on XXXX XXXX XXXX next thing we new they were running it min the paper about Foreclosure, the lawyer called they said they did not say foreclosure I had cut it out of the paper got XXXX of the nurses to fax it to the lawyer I still have that copy. They gave me until XX/XX/XXXX to re submit everything I sent in my RMA the reality stated that her person had sad he was tire of Ocwen he had changed Please I need help I tried everything his mind but on to day which is XXXX XXXX, XXXX he was going to try again if this do not work he will not do it any more. He was going to pay cash for the house. I have tried every thing where am I to go from here if you need anything I can get UPS to send it to you Thanks We will work on one at a time My home house XXXX XXXX XXXX XXXX XXXX some of the same this but a little differ So I got to have some place to stay until I can get everything together. Please help me I am sick tire. The foreclosure was suppose to be XXXX XXXX XXXX but the lawyer called after he got my paper that was in the newpaper. I did not get a Foreclosure letter from a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I own a house and a mortgage. I pay PMI insurance. I do not want to pay PMI insurance after I have reached the required 80 % loan to value ratio. I have reached the required loan to value ratio of 80 %. Ocwen owns my loan. They say I need to pay {$440.00} to have my house appraised before they can get rid of my PMI insurance. None of this was disclosed to me and want to know if it is legal for them to require an appraisal in order to opt out of paying the PMI insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a check and put it in the US mail, the check was made out to City of XXXX for {$51.00}, the following day I looked at my banking app and I was negative {$2600.00}, I looked at the transactions and saw the check I wrote for {$51.00} had been altered to {$4000.00} and deposited into another checking account with XXXX  XXXX XXXX. I went to Fifth Third bank in person because no one could help via phone. They closed the account and I opened a new account, they told me that it will take 180 days to get my {$4000.00} money back after they investigate the situation, I said that seems unreasonable since I alerted them within 24 hours of this fraud. This happen on XXXX and Fifth Third has not communicated anything to me as of yet, I keep going into the bank branch and they tell me I have to be patient with the process. I understand that but no communication from the bank in regards to even acknowledging the investigation is even happening. Feel free to reach out directly to me. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
This is account has been paid off for years. I have information that proof these facts. I need this information updated paid in full.

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 2015-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please refer to CFPB complaint XXXX. SPS continues to harass me through the USPS and refuses to respond to my debt validation and Qualifies Written Request. I do not owe SPS and SPS has not serviced any loan on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also

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 2022-05-29
Company: Atlanticus Services Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I paid my balance off in full of {$370.00} it processed and posted on the XXXX of XXXX. Putting my credit balance at a {$0.00} and giving me an available credit to use of {$400.00}. Then they went ahead and gave me a credit line increase of {$200.00}. Now I have a credit limit of {$600.00}. A supervisor released {$200.00} dollars to me and told me the rest of my credit to use would be on the XXXX of XXXX. But as of this moment my balance is {$220.00}. With an available credit of NEGATIVE {$130.00}. And then tell me that I owe them XXXX. If I owed them {$130.00} then my credit Balance would be {$730.00}. Negatives on a credit card means the bank owes you money not the other way around. But when I call the automated system it say I have a balance of XXXX and a credit line to use of XXXX and some change. ( EVERYTHING IS SCREEN SHOTTED FOR EVIDENCE ). Then when I ask for this issue to be fix and get my account at the numbers it needs to be and release the credits on my account or get it in good standing and close it all together they leave the chat hang up the phone or disregard ANYTHING THAT IM SAYING as if Im not even saying it. NONE OF THEIR MATH ADDS UP. NOT A PIECE OF IT. Then they say its because of the pending charges..no.those pending charges we from my last balance they take it immediately out of my account as a authorization hold.so that money had been deducted already just not posted. They keep running me in circles and ultimately Im 100 % sure this is a scammers site. And they need to be investigated IMMEDIATELY being that their app is synced to third party sites for promotions..DO NOT PROMOTE THIS COMPANY. ASPIRE CREDIT CARD!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Car insurance paid on XX/XX/20, charged {$35.00} overdraft fee. Completely unrealistic because direct deposit credited to account prior to XXXX on XX/XX/20. Why does Bank of America insist on being so XXXX with low income people especially during this time?

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 2017-03-29
Company: Navient Solutions, LLC.
State: CA
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 am a XXXX veteran on a limited income. I 've been called multiple times by Navient regarding payment of my loan. I am on a payment program that was set up between Navient and myself. I am getting close to retirement, and will be bringing in less money per month. I have contacted Navient several times regarding forgiveness on this loan, but nothing has been done on their part. Just last week a representative from Navient called my work multiple times during several days, of which we are not allowed to receive personal phone calls on company time. I told them that, and again today I received another phone call not only on my cell phone, but also on my work phone. I told the representative that I had been called last week and told that person that I would be making my payment this coming Friday. He then stated " oh yes, I do see that you spoke with someone from our office. '' over the past several years, I have been trying to make my monthly payments to Navient, but at times do not have the finances to make the payments. I am XXXX years old and still making payments on A loan from many years ago. I am still trying to get Navient to forgive my loan, but so far unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also

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