BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I used a convienance check to deposit money into my checking account. I was charged a 3 % fee which is not too bad comparable to other cards but it was a special. When my first bill came the minimum payment was very high. I paid it and thought that they added the transfer fee to first months payment. This month I received my statement and it was high again. I called the company ( Chase ) and was told I 'm being charged 5 % of the balance for my minimum. They said it was in my terms but I have never seen that and have n't had any other credit card ask for that high of a minimum payment. I suspect they did it on purpose to make sure people ca n't make the payment and then they can charge a very high late fee and raise the interest to their highest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Someone who has been harassing me was able to get my final balance owed on my auto loan, to use against me. 

My mother also called and was able to get right through with minimal verification ( as a test ). I am absolutely going to pursue legal action against Santander consumer USA for their lax privacy and clear disregard for consumer privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is an awful student loan service provider. I have had multiple issues constantly with Navient. I have recently transferred my loans to a different service provider. The new lender made over payments on all my loans. When I log into my Navient account all my account balances show {$0.00}, no payment due. This is very deceptive since I actually have negative balances on all my loans and Im due back a little over {$900.00}. My new student loan service provider told me to contact Navient about the over payments and the request checks be sent to close out the accounts. I called Navient, they wo n't touch the over payments for 45 days ; then I have to call them back to request they send the over payments back to the new lender. Navient wo n't even discuss my government loans which they also manage but that 's a different division and I have to contact someone else about those but no phone number is provided. Moreover, Navient has been calling and sending paperwork to my co-signer on a regular bases to get additional payments ; I 've never made a late payment. Naivent has no business calling a co-signer unless the primary on the account is XXXX and there are outstanding late payments. I have no records of them sending any documentation to my co-signer in my online account where I 'm supposed to manage all correspondence. I have placed limits on how Naivent is to communication with me and they completely disregarding my communication request by sending invoices to my co-signer. My co-signer has been sending payments with specifics on how she wants the money distributed ; Naivent has never followed the written instructions and distributed payments according to their own process. This happened when all of my accounts where current. I have {$650.00} in over payments due to me or my new loan service provider ; I have {$250.00} in over payments on my government loans that Naivent services but wo n't discuss with me. Navient says I have to call back in 45 days and ask for my money. Navient is all over awful and consumers should stay away!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone at XXXX calls my home XXXX or XXXX times a day for another person claiming they are an investigator and she committed fraud. He even gave me the last XXXX of her social security number. I told him he should not be giving out personal information on this person. He said if I knew her I better tell him. I told him I knew her but this was not her number and stop calling my home. He got very irate and told me this was the number he had on file. I told him to remove it and stop calling here and hung up. He called back XXXX more times threatening to go to her job and what could happen to me. I told him do not call my house a gain and I meant that. He told me this was the number her had on file and he would continue to call. He ever gives his name, just that he is an investigator. Wish I could sue him. I am a XXXX, had a XXXX XXXX in XXXX and do not owe any money he is trying to collect. My XXXX XXXX went up yesterday after the harassment. Can you help?

Company response to consumer: Closed
Consumer complaint received 2016-06-07
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My load was sold to Navient from XXXX XXXX, who I was providing payments too up until I was laid off. I explained repeatedly that I was laid off to those that CONTINUOUSLY called and stated the same situation over and over agin. I was laid off, and could not provide any payments. They had no solution in regards to the situation and I had exhausted for deferment that they offered. I was laid off for close to 24 months. Needless to say, I did regain full time employment. Unfortunately my loan had defaulted. 

I spoke with the same manager, who then stated I had to pay everything in full or face a legal situation. Clearly I could not pay the full loan as I was unemployed for 24 months and could n't pay them, I did n't have THOUSANDS of dollars hanging around to pay them to immediately provide over with this forceful call. He then stated, call family and friends and see if you can borrow a lot of money. 

I did FINALLY reach an agreement with them XX/XX/2016, paid a sum to get my account into current standing and set up a " loan re-payment plan '' through the same company. Needless to say, I did n't receive any documentation on the matter after calling REPEATEDLY to the same manager, and they stated ( after he finally got his manager involved ) that I would not receive anything until the 3rd installment was paid of the monthly amount that was agreed upon. 

Imagine my shock when I was under the impression that I had worked out a payment plan with them to correct the loan, and they hit my credit SIGNIFICANTLY in XXXX 2016, 1.5 months after I paid the sum to get the account in current standing along with a monthly installment. When I called and asked why they where hitting me from " both sides '' ( credit negatively/payments monthly ), they stated they could and that one department does n't have anything to do with the other even though it 's the same company. 

I then called and spoke to the manager who could not provide actual documentation on said verbal agreement, that in other words, even though you are paying us back and set up an agreement plan, we are still going to negatively impact your finances for years to come. They claim they are " trying to help me '' however, I have yet to see them " help me ''. They will continue to negatively impact my credit significantly until I have thousands of dollars to provide to them according to the manager that I spoke too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently attempted to make a payment towards the principal of XXXX of my higher interest student loans. The Navient customer service associate insisted that I would have to pay the unpaid interest on all loans ( despite their varying interest rates ) and then the remainder would then be applied to the principal. I disagreed with the way Navient wanted to allocate my payment since no payment was due at the time. By the end of the call, I reluctantly agreed to pay the unpaid interest on the high interest loan I was attempting to target. After reviewing my account today, I discovered these clear and specific payment instructions were not followed. Navient applied over 37 % of the payment towards the interest on all loans. This required me to make multiple phone calls and spend an excessive amount of time on hold correcting the way the payment was allocated. I do feel that Navient uses these deceptive payment allocation tactics to systematically keep borrowers with varying interest rates indebted. Please take action against Navient to address these concerns. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: AmerAssist A/R Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Original debt is from XXXX XXXX XXXX dated XXXX/XXXX/10 in the amount of {$250.00} and is now a dead debt. AmerAssist A/R Solutions purchased the account for collections and has placed it in the credit bureaus with inaccurate amount of {$410.00} and a date of XXXX/XXXX/10. I have tried getting this corrected through the credit bureaus with no success.

Company response to consumer: Closed
Consumer complaint received 2015-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: Payoff process

Complaint:
I lost my business in the recession and ended up with a judgment filed in court for a Capital One credit card debt. 2 1/2 months ago, XXXX XXXX, 2015, I paid off the judgment with Capital One. I can not get them to send me a Satisfaction of Judgment so I can file it with the court. I need it to fix my credit score so I can refinance my home from a high interest rate. I am afraid the interest rates will be going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
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:
Sun West have been mailing me " statements '' none of which states that they are attempting to collect a debt. The statements are also false and misrepresentation. They also contain logos, all of which are violation. I have requested that Sun West validate this debt, if can not be validated it must be discharged. I mailed Sun West my documents on XX/XX/XXXX, which in includes my Affidavit of Truth, Cease and Desist, Debt Validation, Information Request, Invoice and Exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hi my name is XXXX capital one bank approved me a XXXX dollars credit after approved ask me for documents to validated the account send all of them spoke with several managers about to activate my credit card gave me hard time. Kept calling every time when I sent any documents now they said my credit cards are permanently restricted because of the documents been alternate XXXX is not true I had my personal bank call them and verify my j formation and the still saying is not valid. I request to speak with the manager again and they keep saying they do n't have a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I argued with a teller on Saturday XXXX/XXXX/2016. I went in to pay my mortgage for XX/XX/XXXX. They received a check for {$2800.00} but they dated my receipt for the dat of Monday XXXX/XXXX/2016. I understand that it may not post until Monday but I argued that the date on my receipt should be Saturday XXXX/XXXX/2016. They told me the reason was there is no banking on Saturday, yet they were open and received my funds that day. I think this is wrong and illegal. If they take a payment on a date that is the date the receipt should say. There may be no trading on Saturday but there is banking or I would not have been able to go in and pay this mortgage payment. If I went in to cash a check on XXXX/XXXX/2016 and dated the check for XXXX/XXXX/2016 they would not have cashed the check. What is the difference? Because they are a big bank they should not be able to make their own rules. I say this is illegal.

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 2016-03-08
Company: Loan Science, LLC
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I applied for and received a loan from XXXX XXXX XXXX when I was in college 10 years ago. My loan was later sold to Loan Science. XXXX XXXX XXXX is the servicer of my loan. I have always paid my loan on time and have never had any problems until 2 weeks ago. My aunt, who is the cosigner on my loan, called me and said that Loan Science called her to ask for the payment. I told her I would take care of it. When I got off the phone, I got a phone call from Loan Science saying that I was short on my last payment. It was now 15 days past due. I asked how much and they said a little over {$1.00}, but because I was short that amount when I paid, they also assessed a late fee for another dollar and some change. They were calling me because I now owed them {$2.00}. They explained that they talked to my aunt and she had paid it, but wanted to let me know what my new monthly payment was. It had changed because of a variable interest rate. I thanked her and thought it was over. Then I got another phone 3 days later from Loan Science stating that I was still in default on my loan for the {$2.00}. I explained that I was told it had been paid. She apologized and said they had made a mistake and no payment had been made. I told her I would take care of it and pay through my bank. Since that day I have received 15 more phone calls from Loan Science. This has all been within a 10 day time span. I have never been left a message, they just continue to call until I pick up and ask the same question over and over again. I feel that I am being harassed by Loan Science for a small mistake. I had moved recently and gotten married and in the shuffle had n't had time to update my correct address and name change. I just sent the same amount I always sent every month. I can not stress enough that I am responsible and always pay on time. I think it was absurd the amount of phone calls I received regarding such a small amount of money. When I tried calling XXXX about changing my address the woman who received my call refused to talk to me because she said my account was past due and I had to talk to Loan Science. She rudely cut me off and transferred me to Loan Science who can not help me with name or address changes. They said I would have to call XXXX for that. I finally got XXXX of someone who would help me after Loan Science called XXXX to explain what I was wanting. This boils down to a simple mistake but was treated as a crime and harassed by the many phone calls from Loan Science.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: Metro Republic Commercial Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone used my personal information and identity to obtain medical and/or other services. I did not create this debt. I am a victim of identity/medical theft. I have reported this to the police and have tried several times to have them correct their records. They continuously send me someone else 's personal information, knowingly that this is a fraudulent account, which is violating the HIPPA Act PIH. The information is not mine nor did I ever authorize it. The signature does n't even look like mine. It is an obvious impersonation of my identity. I have sent them certified letters, ID theft police report and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. 
Attached are letters I have sent and correspondence that support my complaint and show I am a victim of ID theft, this is not my account.

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: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
HI MY NAME IS XXXX XXXX MY DEBIT CARD WAS STOLEN AND USED TO MAKE FRAUDULENT PURCHASES, I DID NOT AUTHORIZE THE CHARGES AFTER MY DEBIT CARD WAS STOLEN, THOSE TRANSACTIONS WERE DONE FRAUDULENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: QC HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I am behind on paying the loan, and take full responsibility. However, I am getting into trouble at work due to this company contacting my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Fidelity National Financial, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We had a land trust at XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX, the property was temporarily taken out of the trust to facilitate a refinancing of our mortgage. XX/XX/XXXX, the trust company sent us XXXX letter saying they were prepared to put the property back in the trust. We believe we did not receive this letter, and we were unaware that the property was not in the trust. Recently we were updating our wills, and I contacted the trust company to determine exactly how the trust was titled for the attorney. The trust officer confirmed the number of the trust and the description, and said nothing else. The attorney subsequently informed me that there was no property in the trust. In the meantime, the bank happily billed me {$90.00} per year, for a total of {$270.00} for an " empty '' land trust. 
When I contacted the bank they said we instructed them to hold it open. However, they did not bother to send a follow up letter or any other contact since XX/XX/XXXX, nor did they bother to mention this important fact when i confirmed the description. I asked for a refund of all or most of the fees. They said they maintained the open trust as instructed. The trust officer was fairly belligerent, but said she would take it to the trust committee, I then received the attached letter saying there would be be no refund and no further correspondence. 
During this time, the bank feels they provided a service. However, all they did was maintain an empty trust account and send an annual bill, which cost a very tiny amount. I feel there are XXXX issues, the bank did not provide much service, in never sending a follow up letter. Letters do get lost. They also could not be bothered to look up or inform me of the details of the account when I called to inquire. Further, they were not the least bit sympathetic to my request. XXXX. 
Your assistance with this will be much appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: LA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been requesting proof showing where I have obtain this loan. This information had been on my credit for a long time I believe it was an ex who used my information at the time. Stolen Identity.. 
Apparently I have been requesting documents they refuse to provide me with any documentation but still validating that debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In 2008, My ex husband bought house on XXXX XXXX XXXX in XXXX XXXX, NY. The loan was through Bank of America. I am not on the loan. Bank of America is trying to serve me with papers about a foreclosure. I am not an owner. They are also reporting it on my credit report which is fraud. My ex husband is XXXX XXXX and he lives at XXXX XXXX XXXX. XXXX, NY XXXX. Article XXXX of my dirvorce decree states that I am discharged of any obligation with regards to XXXX XXXX XXXX. Per my divorce decree the judge 's ruling is binding. I will not accept any papers regarding anything with XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In 2001 my school closed 3 months into a 9 month program. They failed to provide proper required info to the state of Oregon. The loan was through XXXX XXXX and paid full tuition to the school ( XXXX XXXX XXXX ) up front plus 9mos of a cost of living stipend. OR repaid XXXX XXXX {$6000.00} through their tuition protection program but XXXX XXXX ( now Navient ) still holds me responsible for the remaining money including the 6mos of stipend that I never received. OR has inaccurate dates of the school closing resulting in Navient insisting that I received the education that was paid for.

Company response to consumer: Closed with explanation