BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Other

Complaint:
Issue with Chase Credit Card : For the last week, I had been receiving calls from an unknown number, when I would n't answer they would leave a blank voicemail. On XXXX, I got frustrated and actually picked up the phone and got an automated message from Chase XXXX that my account is XXXX days past due for a charge of {$200.00} of which {$75.00} is late fees? Wait, back up a minute:1. I did n't even know I had a chase card? 
2. After XXXX hour of being transferred from XXXX department to another ( none of which can verify the transactions on my account ), I get hung up on. 
3. So, I call again and after being on the phone for another hour ( transferred from fraud to Collections to Customer service to Credit Bureau ) I am told that there is prime membership charge of {$100.00} from XXXX ( meaning the rest of the XXXX is late fees )? Why XXXX chose to charge it to that card when my default card is XXXX is beyond me. 
In any case, up until today, I did n't even know I had a chase card. What I tried to explain to all the different reps on the phone for XXXX hours ( who were just trying to get a payment out of me ) is that I would be more than happy to pay the charges. BUT, I am not okay with them XXXX my credit. I got NO statements because I was not even aware I had this card. They are playing with my credit that I have worked hard on for XXXX years for {$200.00}? I tried telling them so many times I want to make a payment but save my credit and they will not listen. From asking me to call the credit bureaus to calling USPS they want me to go through that entire ordeal for {$200.00}? Finally I am transferred to XXXX, supervisor in credit research who listens to my situation and agrees that this is not my fault and promises me ( please listen to the call ) that my credit will be fixed and she will remove the negative reporting from my XXXX and call me back on XXXX. I make the payment, and hang up. Today is monday, XXXX and I have still not received a call back. So, I call chase and talk to XXXX, their cbr specialist who tells me that my request was never approved and that i have a XXXX day, XXXX day and XXXX day report on my credit. I am in tears .. My credit score was XXXX, I have worked vry hard for it. I am originally from XXXX and moved here at the age of XXXX and have worked really really hard for it. Please do n't let them ruin this for me. I have NEVER missed a payment in my life and did not reach the XXXX score by missing payments. Need help, please help me save my credit, CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: Harley Davidson Financial Services Inc
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I got 2 letters in mails, First was saying the bike was re-POed Second was saying it was sold in a auction, paid more then it was worth. 

That was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Navient Solutions, LLC.
State: NY
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 from college two years ago with a degree in XXXX XXXX with the hopes of becoming a XXXX. However, because of difficulties with the credentialing process and the state, I graduated with {$120000.00} in student loan debt ( that XXXX XXXX easily supplied to me ) but no teaching credential. So after some rough times I have finally found a steady job working full-time in XXXX at $ XXXX ( rather high for XXXX ). But now after several deferments and forbearance, Navient ( who XXXX XXXX sold my loan to ) has come asking for their money back, now totaling {$130000.00} and are asking for roughly $ XXXX, which is roughly half my paycheck. And I live in XXXX, which already requires a high rent and cost of living, and moving home is n't really an option for me because I am from the XXXX XXXX. 

I 've called Navient several times to try and find a way to extend the term of my loan, renegotiate payments, consolidate all my loans, and see just about any option they have of lowering my monthly payments. But because my loan originally comes from XXXX XXXX, they always say the only option I have is forbearance, which I am running out of. I would like to save some forbearance in case a time comes that I lose all of my income or something drastic happens. After pleading with them they have given me no options. My parents ca n't afford to help me pay that much every month. 

So the only optioned I thought of was to refinance with another bank that would be able to lower my payments. Well, because I have such a high debt to income ratio, no bank will approve a refinance loan. My credit is good. I have a couple missed payments but nothing too major. But I see no way of increasing my income or cutting my costs to the extent of being able to drastically alter my debt ratio to the " acceptable '' point for the banks. And still, after all of this, Navient wo n't negotiate my loans. It has come to the point that I have thought about just not paying my loans back and suffering the consequences, which I would fully do if my mother were n't the cosigner on my loan meaning that defaulting would also wreck her credit. But now I feel like I have no other options left unless it 's taking on odd jobs such as selling XXXX or renting our couch out on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Credit Adjustments Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We applied for a mortgage loan at td bank XXXX. They are not following through. Our representative does not return calls or emails from us or our realtor, and I now have no confidence that our loan will close in the near future. We escalated to her supervisor and were told any delays were our fault and a lack of communication and that we needed to call her, not that she answered, so we just left her another message. After leaving 2 messages she called and we happened to be at our local branch so we got on a conference call go over the papers that were emailed and had point out that the ones she said were missing were in the email. Every time we do reach our representative to get an update, she informs us that we are missing information and we are given a new list of things to send. Our assigned lawyer called us to say he does not work in the area where our property is, and the bank was not returning his call. Our assigned appraiser does n't work in the area either, which we found out when our realtor called the appraiser to get a status. Neither of these issues has been addressed at this point. Our closing was already postponed from XXXX XXXX to XXXX XXXX, but with out a scheduled appraisal there is no way they will make that date. To top it off, she told us we had to have a standard rate lock signed for them to proceed with the loan, so now if we cancel we will own them more money than we would to complete the loan. At this point we are ready to cancel and go with another lender, not because we do n't want a loan, but because they have given us reason to believe we are wasting time working with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-12
Company: COLLECTIONS USA, INC.
State: AZ
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:
XXXX XXXX XXXX management made a mistake and I 've explained to them not thing to do with me after moved out for XXXX months! 
Account Name COLLECTIONS USA INC No Data ReturnedFor This Bureau CLLCTIONSUSAAccount # XXXXAccount Type Collection Department / Agency / Attorney Collection AccountBalance {$530.00} $ XXXX Opened XX/XX/2013 XXXX/XXXX/XX/XX/2013 Account Status ClosedThe collection debt still open from XXXX report why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-14
Company: Nelnet, Inc.
State: TX
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:
Nelnet is still in violation of FCRA, None of my loans are THE SAME on XXXX or XXXX. My XXXX only has XXXX Nelnet accounts, and the other ones were deleted because the validity is incorrect. I 've disputed multiple times, reported to multiple organizations, I 've even contacted the ombudsman and no one has investigated. XXXX loan on XXXX has XXXX late pays on XXXX it has XXXX and on XXXX it does n't appear. I 've asked Nelnet to send written proof of the delinquencies and they have not. I 've asked Nelnet for copies of the signed contracts between them and my original servicers and they have sent no such thing. Now Nelnet number XXXX core value is the " customer '' but that 's not the case. They have offered no customer service and any dispute the just sent the typical " script '' reply message without any investigation. I need a supervisor and someone in the executive office to handle this ASAP. Every month that I have disputed there HAS BEEN AN UPDATE OR CHANGE which shows they do NOT have the files or info, which is WHY they ca n't sent me any contracts. The next step is to file in small claims court AGAINST NELNET AND THE BUREAUS, because NONE of the governmental agencies are helping as this subject is important. I have every letter that Nelnet sent and every dispute which shows an updated status EACH time. Please delete all Nelnet account from credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Within the past few months TD Bank implemented a new way of applying transactions to personal accounts. If there is a pending charge ( s ) on the current day that would overdraw your account, and funds are transferred on the current day from another TD Bank linked account you are still accessed a {$35.00} overdraft fee per transaction. There is an option to take automatically have money from a savings account transferred to cover, but you are still accessed a $ XXXX fee. These fees are robbery and need to be addressed. XXXX oversight in record keeping can cost {$100.00} - $ 300 month just to catch back up. 
People in lower income brackets can not afford this it is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have nearly {$400000.00} in student loan debt processed by XXXX. In XX/XX/XXXX I had requested to change my income driven payment option from income based repayment to Pay As You Earn repayment. The process placed me in forbearance for greater than 1 year and I had lost XXXX payments toward public service loan forgiveness. I was not informed that this income based repayment transition would take up to 1 year and that my interest would capitialize during the forbearance process. 
I have requested a detailed account of all my payments in XX/XX/XXXX, despite many repeated phone calls I have not yet received my payment audit nor an explanation why I was in forbearance for 1 years for a simple payment option switch. 
Each time I call I am told nothing can be done and to call back in a month. This has been dragging out for over a year. This is unacceptable of a government organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: TMX Finance LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2014 I was in need to pay my rent, so I went to Titlemax and took out a title loan so I would n't be evicted from my apartment. I fell on hard times looking for employment and again it took me months to gain emplyment. I constantly made contact with Titlemax letting them know my situation and still my car was reposessd and sold at a auction. My feeling is this company prays and make no compromise to the individual who is making an effort to pay. I was n't given a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Prestige Financial Services entered inquiries on to my XXXX and XXXX XXXX credit reports without my authorization and when contacted had no record of me and this was linked to id theft .and not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CCB Credit Serivces, Inc
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
went to trade in XXXX. Contacted XXXX for lease pay off. XXXX gave us the information, paid it off. a few days After that occurred, XXXX sent us a notice and said it was considered a repo because it was an early payoff. XXXX said they were n't obligated to tell us that at the time we traded in the car. Tried to get the XXXX back they would not return the car to us. Had XXXX given us the information in the first place we would have never traded the car in. We did everything right the way XXXX and XXXX told us. XXXX nor XXXX alerted us to this issue. Now they want another XXXX for early lease, and other penalities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted TD Card Services on three different occasions and informed them that I do not have a debt with them. They take down my number and say they will remove. However, I still receive at least three calls per day after informing them I do not have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: TD BANK US HOLDING COMPANY
State: MT
Product: Credit card
Issue: Billing statement

Complaint:
We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ). 
On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred. 
All correspondence with Target ( which occurred through their " contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP. 
Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Roosen, Varchetti & Olivier, PLLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I was sued at an address I no longer live at and have not lived at in 6 years. I was not aware of the suit and was unable to show up to court. My bank accounts have been garnished 3 times by the same collection agency with the same paper work from a suit filed twice for the same amount of money. I tired to tell the collection agency the 1st time they did it but they threatened to tell my employer and continue with even more litigation. I was scared and started to pay on a debt that I did n't even understand. I stopped once I lost my job and then another suit was filed where I do not live and that caused this most recent bank account garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Kenneth E. Davidson, Attorney
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME. 

I AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Alliance Group & Associates LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received multiple calls from this agency looking for a XXXX XXXX. I am not XXXX XXXX. I have corrected them on this multiple times when they have called, but today they stated that I am the correct person and it was n't for XXXX XXXX. They could state who the bill was from " XXXX XXXX '' but not what the bill was for. They threatened to send the bill to my credit report if it was not paid by XXXX today.

Company response to consumer: Closed
Consumer complaint received 2016-06-02
Company: Platinum Holdings Group, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Multiple times this company has threatened to sue me/file a lawsuit against me for an amount that is far greater than what I owe. Coerced me into giving them my debit card information ( because I was repeatedly told they need to have it on file otherwise the suit would take place regardless ) and repeatedly used offensive language. While on the line with them I was repeatedly yelled at/talked over and told I was wrong. Offered to make payment arrangements with them and this is when I was told they needed my debit card information. I gave it because at that point I was extremely frustrated with the rude and offensive " legal department '' rep on the other line. 
Claimed they sent out an e-mail to me ( which is NOT a legal document ) and then proceeded to withdraw money out of my account WITHOUT my permission to do so. 
Called my bank, had the transaction reversed and blocked the debit card number. 
Called the company back and was yelled at once again that it 's not their fault that I have buyers remorse, they 're going to get their money regardless. 
I informed I am filing a complaint with the XXXX and with the FDCPA as well. 
They kept claiming they would pull up " recorded calls '' and would then sue me and I said fine. 
I understand recorded calls, seeing as I work for a company where every call made is recorded. These will benefit my case because you will hear the manner in which these reps speak to customers and how they repeatedly treat them with disrespect. 
Was then hung up on when I told them my plan. 
Have filed complaint with XXXX and am now filing a complaint with you.

Company response to consumer: Closed with explanation