BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am currently a customer of Chase. I got a pitch from them to join Chase Private Client. During they pitch they told me that if I joined I would n't be " nickeled and dimed '' for fees like other customers. They also said that if I joined it would separate me from the average sandwich maker who works in a deli. I thought both these statements were ethically ambiguous. Essentially if I choose not to join, I am " choosing '' to be nickel and dimed and also it would make me some sort of low status person like a sandwich maker? Insulting to every Chase customer and an insulting social outlook.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I properly disputed an invalid obsolete account XXXX times and the account is over 7 years old and Experian refused to properly investigate or delete. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a derogatory remark due to an uncashed refund check from XXXX.i ca n't believe that could ever effect my credit. Obsurd

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Pinnacle Credit Services, LLC
State: MD
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:
Dear CFPB, I am sending you this complaint as attempt to resolve an alleged debt matter with a collection agency by the name of Pinnacle Credit Service. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX, XXXX I reviewed my credit report and discovered a collection account reporting from Pinnacle Credit Service, The account is reporting as follows. 
1. Pinnacle Credit Service, Account # XXXX, Balance {$290.00} On XXXX XXXX, XXXX I sent a request for validation to Pinnacle Credit Service requesting for validation. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX advising me that they are representing their client Pinnacle Credit Service and that they were in the process of obtaining validation from the creditor. Time has passed and I have not received any communication from the collection agency regarding my claim since. I sent XXXX more request for validation on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and still have not received the validation request. I also made a phone call to Pinnacle Credit Service in between the time frame the validation requests were sent and was advised by Pinnacle that they 're not handling the account to contact XXXX XXXX. When I spoke with XXXX XXXX I was advised by them, they will mail me documents in the mail. 

It 's now XXXX XXXX, XXXX, I not received the validation I requested. I have made numerous attempts to resolve this situation with Pinnacle. Whom still until this day reports the derogatory account on my credit report failing to validate the debt which is a violation under the FDCPA at this time Pinnacle Credit Service had sufficient amount of time to provide me the validation request I requested in writing three times and XXXX time by phone conversation with a representative. I request that Pinnacle Credit service remove the debt from my credit report with all three major credit reporting agencies ASAP, Thank you for assisting me with resolving this matter with Pinnacle Credit Service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am going through bankruptcy and I am trying to rent the house, like I told the court I was going to do- otherwise I will lose my house. There was bad damage caused by vandalism and I filed a claim with XXXX. They paid the Loan Servicer money for the repairs, but the servicer refuses to release the money. There was a second claim filed with the lender place policy, by the bank for further damage, but they denied the claim. I filed a claim and they have ignored my repeated calls. I have been getting the run around about this money for nearly 2 years. I am in foreclosure and bankruptcy, if the bank continues to ignore me and refusing to release funds issued for repairs, I will lose my home. Please help me. They have had me resend documents, in order to release the funds SEVERAL times. They keep asking for the same documents, claiming they were not received or something is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Called XXXX to remove inaccurate item, they told me the address does not match and the phone number does n't match, but are not helping in any way to remove it. Can not get through equifax questions to initiate dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX of my collection accounts were reported XX/XX/XXXX. They are XXXX and XXXX. I found the balance is inaccurate and the timeframe for this item is over 7 years. So I disputed these items and requested Equifax to remove it permanently. 
Under Fcra law, after remaining in 7 years the collection should be removed from credit. I finanlly received their reponse that they will delete these items from my credit report XX/XX/XXXX these items were no longer on credit file. However, XX/XX/XXXX these items were reinserted without notifying me in 5 days This again violate the Fcra law. Morever, equifax re-age my account and make my collection stay up to more 7 years which XX/XX/XXXX. This is illegal and ruin my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since I graduated college in  XXXX  I have paid over {$20000.00} just in interest with principle remaining almost the same amount. In  XXXX   XXXX  I finally reconsolidated my student loans with  XXXX   XXXX . I recently told them about my situation and they said the numbers do not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a credit freeze in place with all three reporting agencies. When I make a large purchase requiring a credit freeze, I " unfreeze '' the information. This costs XXXX dollars in each instance. I routinely have trouble with Equifax using the online system and must resort to calling them. This is a time consuming process and is inconvenient in that it has to take place during my working hours. I recently attempted to resolve this after my last attempt in XX/XX/XXXX. After a tedious e-mail exchange, I was promised a phone call which never materialized. I tried to contact them and of course they were closed. I do n't mind the periodic extortion for the automated credit lift but the company seems not to understand the responsibility granted to an entity that in effect controls an individuals financial freedom. All I ask is for Equifax to fix whatever error is in my file that does not allow either the automated phone or the web-based to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They contacted my references and left the last XXXX digits of my bank acct. # and my social security # on their recorders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
COMPLAINT AGAINST : CARE CREDIT  ( Synchrony Bank ) G ood afternoon, On  XXXX   XXXX ,   XXXX   I got an INTEREST CHARGE ON PURCHASES Date  XXXX  in the amount of {$1300.00} on a card that had  XXXX  {$5500.00} balance owned.   When I called Care Cred it ( card that II h ave had for over 10 years ) I was informed that when I made the purchase, I had a promotional rate of 0 % ; which I was aware of, and that after the promotional purchase, my interest rate ( of 27 % ad up ) would apply ; which I was also aware of. However, they also informed me that I was being charged my full interest based on the FULL AMOUNT OF THE INITIAL PURCHASE, as opposed to how much I CURRENTLY owed ( which was USD {$500.00} or so ).   Every month I make payments over my minimum required payment ( usually the min pmt is USD {$260.00}, so I pay USD {$100.00} to USD {$300.00} over that, to reduce the balances ).   No wonder a balance o f USD  {$6000.00} has not decreased in the past year!   WHA T I AM REQUESTING : 1. Full review  of ALL the interest they have charged on my account since INITIAL account opening ( that would be initial card and then a second   one issued only on my name ).
2. Amendment of ALL interest they have charged me based on initial amounts as opposed to what it was ACTUALLY owned at the time they applied the interest fee/charge.
3. Reimbursement of any over paid amounts based on point " 2. '' listed above.
4. For Care Credit ( Synchony Bank ) to revie  w its slick, fraudulent and outrages practices such as the one I have been subjected to. People like me use these cards as emergency to take care of our beloved pets so we do not have to put them down. People like me always pay on time and above so we continue to have a good relationship with the card and to try to decrease our balances. Which since Care Credit became Synchrony Bank, it clearly taking advantage of in order to keep us in debt.     Thank you for your prompt response and action. We value your  Agency  even though all these crazy people want to get rid of you. As an American, you have my full support and I will continue to fight in order to have your agency around for a very long 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 monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a XXXX veteran who was seeking loan forgiveness due to a service connected XXXX. I was instead directed into a loan consolidation. I am unable to make loan payments based on my lack of sufficient income due to my service connected XXXX. Also, I never had any loans while attending the school that is listed on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied for an auto loan through Bank of America online 7 days ago. I have already chosen another loan offer, but I keep getting automated phone calls to my work and cell phone from Bank of America, asking me to call them about my loan, I repeatedly have told them I no longer need this and to stop calling, yet I am getting multiple calls a day still. The agent I last spoke with said he would remove my loan, but the calls could continue for awhile. I asked to remove my numbers, and he said he wasnt sure he could. This is harrassement at my workplace and my cell phone. Yes consent to call me back, but not to harass me over and over.

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 2015-06-24
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Pioneer Credit Recovery, ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. XXXX, Continually calling me at work asking after telling them I ca n't get calls like that at work. Attempting to collect a debt ( they say ) but the student loan has been approved for deferment. Will not stop calling me at work, resulting in me getting in trouble with my boss. 
They keep asking me to fax them stuff but I do not trust who they say they are and they refuse to send me anyting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
XX/XX/2013 my credit score reflects a negative notation for late payment. I have contacted Bank of America about this issue letting them know that I had moved during that time frame and was not aware that I was late on payment. I asked for a goodwill removal which they said they could not process. Please help to remove this negative notation from my credit score. This credit card has been paid in full, and account was closed. I am trying to improve my credit score. 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 2015-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Re : Illegal credit card interest billing practices at Bank of America , N.A . 
To The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Bank of America 's auto debit program. 
Bank of America illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. 
I am writing to bring your attention to the illegal interest billing practices actively in Bank of America 's billing system. 
I am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have proof that I have paid my bill on time every month and that it is the agreed apon amount I have a signed contract that bank of America has not processed since XXXX 2016 and I have a trail letter signed by bank of America telling how much to pay from XXXX thru XXXX XXXX every time I call they just tell me that the paperwork is still in process. it was supposed to be done within XXXX, its clearly more then XXXX. this is n't my computer I have all the paperwork but have no way to upload on the library computer

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 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a checking and savings account with Bank Of America, my complaint is that every month they charge fees for every transaction I make when managing my bank account. I should be allowed to transfer money between my checking and savings at anytime I wish. The money typically stays within these accounts but having to worry about getting a fee for transferring my money from my checking account into my savings on a daily basis is outrageous

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 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After school my job did n't pay enough to cover my house yet alone the new {$500.00} payment I had for student loan debt. When I asked about lowering the payment I was told I do n't qualify and then was told to put it on forbarence until I could get a better paying job. Well that still has n't happened so it has just been put on forbearance over and over for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a {$50000.00} home equity line of credit with Bank of America. The BAC person said she made it for {$100000.00} so I 'd get a better rate. After waiting more than two months with no response other than them asking me if my dead husband still owned property on a street where he never owned property, I realized they were just jerking me around.. My house is paid in full and is located 15minutes from NYXXXX via car or ferry. My car is paid for. I received a letter of rejection from BAC based on " the debt being too high for my income. Considering that I only wanted {$25000.00} the monthly payment would have been under {$150.00}. I clear a minimum of {$2200.00} ... .my house and car are paid for and my health care insurance and costs including dentistry is free from my late husbands job. I have no debt other than {$2000.00} in credit cards that I used to have work done on the house while waiting for the BAC home equity loan. A tree 's roots were taking down a retaining wall adjacent to my driveway. BAC had no reason to delay their response for months and no legitimate reason to turn me down. They mention XXXX ... the only inquiries made of XXXX would have been by BAC. Also, when I took a new BAC credit card to a BAC bank for {$1000.00} cash, I was initially turned down because " the credit card '' that was never used " was bad. '' A manager corrected that. Overall, the discrimination is clearly based on my age. The house is valued at {$300000.00} and could be sold in a couple of weeks by any realtor if needed ... .good collateral for sure. My credit rating is XXXX with XXXX based on the reject letter from BAC.

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 2017-02-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I contacted Navient student loans in XX/XX/XXXX about my student loans due through XXXX. Upon doing so I was informed that they can check my eligibility for a student loan forgiveness program. I was screened and told I would be eligible for student loan forgiveness. I started my application and was told there was a fee of almost {$700.00} and that payment could be broken down into XXXX payments. I gave my acoount information and began my application process. I was informed by XXXX the consolidation company handing my student loan forgiveness process that this application process is actually free to do. Which means that the woman I spoke to XXXX XXXX ext XXXX, committed fraud by providing my application to a third party company which charged my account for payment which I was informed should have been free to process my student loan forgiveness application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a bank account with Bank of America here in XXXX, NC. I write checks to pay all my bills. A number of times Bank of America has allowed creditors to submit electronic withdrawals from my account without obtaining a cancelled check/check substitute from the payee ( merchant ). In other words they allowed the merchant to convert my check to an electronic transaction without my permission. I have gone to Bank of America and asked them to stop this practice because it can lead to anybody just submitting electronic withdrawals against my account. I do n't know about the withdrawal by electronic transaction until I see my bank statement which is too late for me to stop it. I researched this problem and found that the Federal Reserve issued a new rule called " Check XXXX ''. Check XXXX allows merchants to either return my original paper cancelled check to my bank or a substitute ( such as a picture of the original check ) and data as to when my check cleared. I had a discussion with the manager at my Bank of America location and he promised to contact the merchant. The problem has not been solved. I even called the companies involved. XXXX company, XXXX XXXX XXXX, told me I have to drive to their office ( 45 minutes away ) if I want a cancelled paper copy of my check. Another company, XXXX XXXX ( an account I have had for many years and was never late in payments ) told me I should buy a money order to pay them!! I cancelled my account with XXXX XXXX. XXXX XXXX XXXX, on the other hand, is a service I need. I think these companies are being overly aggressive just to speed up their cash flow thinking that the customer wo n't take the time to complain. I have a debit card from Bank of America that I use for local purchases ( gas, groceries, etc. ) My debit card with Bank of America requires a PIN whenever I use it. On the other hand Bank of America will allow out of town merchants, whom I have paid by check, to put through electronic withdrawals without question. I strenuously object to this-it is a bad banking practice.

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