BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage was sold to Everhome shortly after I closed, and their customer service has always been awful. When refinancing, I was in a hurry and thought staying with the same company would be easier. They told me that I had to pay {$420.00} for an appraisal, which would be refunded at closing, along with many other incentives that I was promised. Everyone I dealt with then proceeded to drag me along for months with false promises and lies. One day I 'm told everything is ready and we should be closed by the end of the week, and then the next day I 'm told that they need more information and we 're not even close. They repeatedly dropped the ball and failed to follow up, and when I finally got annoyed I was insulted by the loan officer and told that it was my fault because I am a business owner without enough income which, after months of phone calls and emails, was news to me. This entire process was frustrating, time consuming, and insulting, and now I 'm stuck with my higher rate, awful customer service, and out the {$420.00} I paid for the appraisal, which was much higher than other banks but I agreed because I was told the money would be refunded at closing anyway, but after months of being strung along that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Nelnet, Inc.
State: CA
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:
Although I asked my student loan servicer to place me in the Income-Driven student loan repayment plan with the lowest payment, it placed me in a plan with a payment that was about {$500.00} higher than a payment I was eligible for. The details are below. In XX/XX/2016, I submitted an " Income-Driven Repayment Plan Request '' ( Federal OMB form no. 1845-0102 ) to have my servicer, Nelnet, calculate my payment under the above quoted form of student loan repayment. I asked, in Section 2, item 2, that " I want my loan holder to place me on the plan with the lowest monthly payment. '' As shown in numerous cites, e.g. the one below, at this time a new repayment program with the acronym REPAYE had come out that ( a ) was a plan for which I was eligible because my student loans are " direct '' loans as shown on my balance sheet from studentloans.gov and ( b ) caps the payment at 10 % of discretionary income. Instead of putting me in that plan, they placed me in the IBR plan, which caps payments at 15 % of discretionary income. This cost me {$500.00} a month extra over the past 8 months or so. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX SELF-REPORTED Account Number : XXXX XXXX SELF-REPORTED Account Number : XXXX XXXX XXXX  Account Number : 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a rental unit for an employee that I was paying for, inclusive of the electric and water. On XX/XX/2019 our lease was up and we moved. The XXXX XXXX XXXX XXXX was canceled and XXXX  was installed, the water was canceled and my employee started his own account for water, and when we called in to XXXX XXXX to transfer the service, they informed us that they didn't service the area and referred us to XXXX XXXX. Eight months later Helvey & Associates , Inc. hit my credit reports. I was not contacted at all from XXXX XXXX for the 8 months. I am assuming they failed to disconnect the account and are attempting to charge me for the next tenant that moved in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: IA
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 ca n't afford my payments. Navient will not work with me because my consigner makes too much money. My income will is irrelevant. I have asked for hel multiple times and they offer no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
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 temporarily postpone payments

Complaint:
I received my XXXX in 2014 which I paid for with private loans, since Federal loans are not available for graduate students. I moved to Florida after completing my XXXX. I 've struggled with repayments. My loan was in deferral for a year and since then I have made 3 months of payments. I recently called Naviant to explain my situation. You see, I take home {$2400.00} a month. My monthly expenses including rent, cell phone, car, travel to and from work, and utilities leaves me with {$300.00} to spend on food and have for emergencies. Naviant told me I could afford to pay them {$270.00} a month and they will not accept anything lower. This payment is just impossible for me and they wo n't do anything to help. I 've tried to find help and I ca n't. If i had known that trying to further my education would wind up hurting me and my credit this much, I would have never gone back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
The business I am complaining about is JPMorgan Chase XXXX Bank. The branch I use is at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My husband and I have been long standing customers of this bank. We have our Social Security deposited into it. We have a checking account there which carries a fairly good balance. 
On Tues. XXXX XXXX 2016 we wrote a check to someone for {$60.00}. We told her she could just go to the corner and cash it as that was our bank. When she tried to cash it they wanted to charge her {$8.00}. to cash it as she did not have an account there. As their customer I feel I should be able to give XXXX of my checks to whomever I please and they should be able to go to my bank and cash it without a hassle. It is my money and I pay to use their checking account and my checks should be cashable by anyone they are written to at my bank because that is where my money is. They are inconveniencing me their customer by not honoring my check without some outrageous charge. That charge just comes back to me so then I no longer have the privilege of using that account to pay for something without an additional charge. 
I want the bank to cash my checks for anyone I write them to. If the person I write a check to wants cash they should be able to get it without an extra charge as I am the bank 's customer. 
If they can not do business in a honorable way I will have to move my business elsewhere and become very verbal about their tacky business practice. This is an outrageous policy and needs to be dropped. It certainly does not give any service to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CITIBANK, N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, XXXX XXXX ( XXXX XXXX ), using the XXXX XXXX  XXXX system, sent an application XXXX No. XXXX to the XXXX XXXX, XXXX, XXXX for execution in the amount of USD XXXX to the address of the recipient XXXX  XXXX  XXXX XXXX XXXX in XXXX. 
The funds are transferred according to the details specified in the application. Due to the introduction of international sanctions against the XXXX XXXX  from XX/XX/2022, transactions in foreign currencies are limited. 
XXXX The payment was returned by the CITIBANK N.A. 
XXXX  XXXX, NY. ( the XXXX XXXX XXXX XXXX XXXX XXXX ) without execution. 
Currently, funds in the amount of USD XXXX are on the account of CITIBANK N.A. 
XXXX  XXXX, NY. 

Please provide the date and reason for blocking funds for the transaction XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This creditor is attempting to collect a debt that does not belong to me. My information was stolen by identity theft. The creditor was alerted and is still harassing me and reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a Chase credit card and was denied based on past bankruptcy information stored on their database. I filed bankruptcy in XXXX. I was advised by the Chase representative that my social security number was " flagged '' as bankruptcy on Chase accou ts. Chase Bank acquired accounts from Washington Mutual ( WAMU ) during a XX/XX/XXXXacquisition. I had a credit card serviced by WAMU, which I included in my XXXX Chapter XXXX bankruptcy. Subsequently, I was granted an approved discharge of debtor letter by the courts. My WAMU account was picked up by Chase upon acquisition, but after my BK discharge ( XXXX ). Chase converted my WAMU card into a Chase Slate credit card without my approval or consent so upon filing BK in XXXX on my WAMU card, Chase placed XXXX accounts onto their database ( # XXXX & # XXXX ) with account dates from XXXX & XXXX. These accounts should have never been picked up by Chase based on the fact that they are legally beyond the bankruptcy statute for consideration and the account was discharged prior to acquisiton by Chase, JPMorgan. I spoke with a representative to remove XXXX archived accounts without resolve. My attorney is deceased, but the Federal Records Center can verify bankruptcy discharge and list of creditors, which included my WAMU account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last year I open an account with Chase bank in XXXX XXXX, FL. In one week they had cancelled the account because I had mistakenly over drew the account by about {$10.00} or {$20.00} dollar ca n't remember the exact amount. It was an honest mistake I had just made the required deposit to open the account. 

This have destroyed me as far as opening any account with any bank. I have had an account with XXXX for over 25 years and I ca n't even open in additional account with them due to this. 

I do n't know what else to do, Chase Bank has destroyed my chances of opening an account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I previously submitted my complaint with CFPB and received a letter stating that your agency believed that someone filed this in my name. That is not the case. 
My information is as follows : Loan Status Repayment Repayment Plan Extended Repayment - Principal and Interest Repayment Start Date XX/XX/XXXX Estimated Payoff Date XX/XX/XXXX Missed Payments Alert Please contact us. 
Ready to pay off this loan today? 
Here are the amounts : Online {$9400.00} By U.S. Mail {$9400.00} Unpaid Principal {$9300.00} Unpaid Interest {$71.00} Unpaid Late Fee {$7.00} Current Balance {$9400.00} Interest Rate 3.500 % Interest rates on private loans are set by the lender. 
Interest Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner XXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$13000.00} Navient is a predatory lender that targets young people when they are most vulnerable. I was tricked into putting my loan into forbearance multiple times over the course of the last 14 years. When I did use other methods of payment they did not fully explain all the ramifications to me. My credit has been ruined by this company and they are now preying on my XXXX XXXX XXXX cosigner mother who bankrupted this loan over 10 years ago. I was not part of the settlement according to their representatives. If you could please look into this I would greatly apprectiate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've already submitted a complaint about Truist on this topic, but the response Truist gave was to tell me that they won't fix their software to address the issues I'm experiencing. 

The complaint case number was XXXX, with complaint ID XXXX I was unable to pay my mortgage because Truist 's software was ( and still is ) unable to process payments. I managed to submit payments back in XXXX by navigating their automated phone system to allow me to pay my mortgage. However, they seemed to have changed some of their phone-based mortgage payment options, and it seems like this is no longer a solution. Thus, for me to be able to pay my mortgage, Truist needs to fix their software to allow me to make an online payment. In their mailed response to me, Truist encouraged me to continue calling them through their helpline. Every time I've done so, it's taken me hours and I really don't have the time to wait two hours in a single uninterrupted block once a month just to pay my mortgage. Truist claimed that they are having no broad-based issues at this time, but that clearly isn't true if I'm trying to make a routine payment and I'm unable to do so. 

I'm really not sure what I can do other than use vacation time and take time off work to call Truist, wait for hours for them to get through the backlog of other customers having similar issues with Truist, and finally get through to them and hopefully emphasize that I'm having the same problem with their software that I'm sure other people are having. I'm not sure if the CFPB has much power, but since I can't demand that I receive a new loan service provider my only option is to continue to submit complaints to the CFPB about Truist until they produce a functional banking software system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Associated Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
You can go ahead and investigate this company. I have been trying to resolve a bill with XXXX XXXX and have spoken to them today on XXXX/XXXX/2016 in regards to my account and they said one thing they never do is put anything on folks credit report if they agree upon or trying to pay off debt.The only reason i had a big bill is because a consumer used my name fraud without my permission saying it will save me money on my bill. We are currently in court resolving this issue. See documents attached. This company has called me NUMEROUS times and i advised them of my situation. As they seem to be understanding however no one has took action nor updated the systems any time i called or a rep called. Then i called again today and told them i will not pay them anything until they take my name off the credit report and they told me they would sue me. I find that really funny because that is against the law not only that only i am able to sue you guys for the many phone calls i received and the lies and miscommunication. i have my notes of every single phone call and rep i spoke with and will show all this in court. I will be reporting them to every single media outlet i know. It is n't right. I want to pay my debt and have no problem doing so but if i am TRYING to do something DO NOT LIE and go behind my back and do something WE agreed upon. Regardless of what i want this off my credit report as i am making payments period point blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I use my bank account to pay for my credit card debt on a regular basis. I have experienced problems with my privacy of my account being violated and my payments being manipulated. I have complained to the bank about this breach, but it will not investigate the breach and inform me when, where it happened, and who was responsible for it. they refused to answer my question of who has access to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Sent documents to Nordstrom requesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from Nordstrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 2.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 XXXX, The inquiry was not authorized XXXX XXXXXXXX XXXX of XXXX XXXX XX/XX/2020 XXXX.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXXThe inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXXThe inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 XXXX following account is not mine XXXX XXXX Account Number : XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020

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 2022-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection Agency : XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Account XXXX PORTFOLIO RECOVERY ASSOCIATES account XXXX ( XXXX ) XXXX both Accounts listed above have 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
We booked a stay with a resort in XXXX that gave a quote in US dollars and all terms and conditions were provided in US dollars. Once we arrived at the hotel, they would n't honor the US dollar rate and would only process the transaction in the pesos. This led to both a higher than quoted rate as well as an additional foreign transaction fee which Chase has been unsupportive in resolving.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Chase freedom credit card approved a credit line increase XX/XX/XXXX of XXXX. I had the balance at XXXX in XX/XX/XXXX the following month they decreased my credit line to XXXX. Mind you the purchases were made while the line was at XXXX. Now I 'm over the limit by XXXX and have neg on my credit scores! I did not receive a written letter. Their process to me as a consumer was not done legally. I would like to dispute this company and charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I placed order XXXX cell phone on XXXX/XXXX/2014 through web & I received the phone on XXXX/XXXX/2014. Then I returned that wireless device to local XXXX wireless in XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2014 within 14 days with restock fee {$35.00}. And I contacted XXXX Customer Service. But this company has afflicted me by continued attempts to collect debt I do not know. So I had called Customer Service a lot and I had spent my time too much. To make matters worse, I have had to be exhausted by XXXX debt collectors over 1 year and 4 months. Therefore I am claiming my case to CFPB. I still have a receipt to return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation