BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we are behind on our mortgage payment and we are trying to keep the loan from going in Foreclosure. the bank says there is a Breach letter that expires on XXXX XXXX today XXXX i tried to make at least XXXX payment to keep the loan from going to fcl. they are not allowing me to make a payment even before Breach letter is expired. they are clearly in trying to take my house by not accepting any payments. we dont have {$7000.00} to bring the acoount current right now. but we can make XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Pinnacle Financial Group, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car in XX/XX/2014 XXXX XXXX during the time of purchase I found out the car was register to me and another person in New jersey. I never received the car title of this car. Its states on the car fax report that I never even had the vehicle. DMV states that the car was still registered to someone else in New jersey as well as the XXXX History report. at the time when I bought the car. I had the car for about a year I took it to the shop for repairs I was n't able to get the car out the shop so I car shop I guess sold the car I call to check on the car and the car was no longer their. Pinnacle Finance company is now trying to sue me for the car XXXX dollars explained to them I no longer have the vehicle and I do n't know where it is at this time I am finding out that the car was n't still registered in someone else name of the time I had the car never receive the title. Also the car history does n't even show that I had the car registered in md what can I do please me thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo Home Mortgage/American Servicing Company, Repeatedly, had us completing Home MOD Documents, every three months, and denied us every time, as we fellook behind on or mortgage ddue loss of income and excessive medical bills, Wells Fargo/ASC forced us to fill for chapter XXXX bankruptcy on XX/XX/XXXX which was accepted, On XXXX XXXX, XXXX Wells Fargo/ASC, sent their vendor and had our front door locks top and bottom drilled out, placed new locks on our front door, as well not leaving a key, but also leaving ore front door completely unlocked, after we had filed for bankruptcy. PLEASE HELP! DUE TO THEIR FRUADULNT PRACTICES WE HAVE LOSS OUR HOME, WE OWNED SINCE XX/XX/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 2016-04-18
Company: GREAT LAKES
State: AR
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 have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to Great Lakes Higher Education. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$4000.00} {$5300.00} They are charging all these interests and rising my loan amount on purpose and they have already repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
Target REDcard declined my application for a credit application and was declined based on the annual income and credit report. I noticed that when the Target cashier was filling out my application, she input my income as {$12000.00} and never asked me to input my income. The only thing I was able to provide was my ID and input my SSN into the Target POS terminal. My income is much higher than what she input and should have easily qualified for a Target REDcard. My complaint is that this cashier likely did the same thing to other customers who were asked to fill out the card and they all will be declined by Target. All of their credit will get pulled by Target and applications rejected because of how this cashier processed their applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Stern Recovery Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a collections amount of {$570.00} from XXXX XXXX that does not belong to me. The account number as shown is 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 2017-01-12
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Original creditor XXXX XXXX XXXX was paid by XXXX for services rendered as a result of on the job injury XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: GREAT LAKES
State: ME
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:
XXXX of my student loans was recently transferred to a different lender. The previous lender was XXXX and the new lender is Great Lakes XXXX XXXX XXXX. I did not receive a bill ( or any other correspondence ) from Great Lakes after the transfer. I tracked them down on my own after not receiving any bills for a couple months. They tell me they did not have any current contact information for me, and that is why I did not receive a bill. XXXX had a current mailing address, phone number and email address for me on file. Great Lakes wants to charge me a {$5.00} late fee because I missed one month 's payment. I refuse to pay it. 

This is the second time that XXXX of my student loans has 'fallen through the cracks ' when one lender bought the loan from another. In the previous instance the late payments were reported to the credit bureaus, negatively impacting my credit rating. 

Perhaps I 'm being cynical, but I wonder whether these lenders WANT borrowers to fail to pay so they make money on fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I have had a credit card that has been transferred through different banks as they were bought out. I have had this card for nearly 20 years. It has a variable interest rate tied to the prime rate with no annual fees. Chase now has my account. When they bought out the account they tried to add an annual fee. I said no and they agreed. Now they want to add a {$98.00} annual fee. I tried talking to them, but they said that due to the fact that the interest rate on this card is so low that they need to add an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am currently undergoing financial hardship ( actually have for the last 5 years ). back around XX/XX/XXXX I had applied for both forbearance and deferment ( hoping at least one would be approved ) ; received a letter " claiming '' one had been approved yet monthly bills still showed the full payment amount was due and thus my so called approved application was ignored. The ( current/present ) lender is MyGreatLakes. As a result of this hardship I fall short each month on needed supplies and some times even other bills - regardless of whether or not I pay the full monthly amount or more than that! Seems not to make a difference! I applied at what was once called XXXX XXXX ( connected to XXXX XXXX ) now going by the name of XXXX XXXX and since graduating have not once found employment and they have not provided assistance in any way in that area either. XXXX is one of those for-profit higher education services that have fallen under investigation. I must also note I am considered XXXX and receive an annual amount of {$13000.00} for XXXX! MyGreatLakes is impossible to deal with, ever since they bought out the student loans life has become a living XXXX and it has proven pointless when dealing with them ; they bought out these student loans back around XXXX XXXX and before that XXXX was the lender and no problem to deal with!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: GREAT LAKES
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I applied to a XXXX school in XXXX XXXX. I finished my courses and walked at graduation XXXX XXXX was told our XXXX would be mailed to us in the following weeks. I called everyother week from XXXX XXXX til XXXX XXXX asking about my XXXX. was told its going out or was in the mail. called back XXXX XXXX and found out the school filled bankruptcy 3 times and closed. 
I never received my XXXX showing completion. contacted the state and was only sent my transcripts showing my hours. I am not able to take my XXXX test without my XXXX. im now stuck with a XXXX dollar loan that I cant afford since I have not been able to find work where I can afford child care for my children and repayment of this loan. I do n't qualify for the school closure because they considered me out of school at that point. I was never given the proper entry exam, I was not a XXXX and obtained my XXXX while attending classes. I did n't qualify under those circumstances either. I did the income based repayment. and apparently Great lakes my loan servicer put me on forbearance when I have always done unemployment deferment deferment but now my subsidized loan has {$480.00} in interest I was not made aware of. I feel extremely used and taken advantage of when I never took a dime of the governments money, I had to pay almost {$1000.00} out of pocket to cover what the loan would n't. or the fact that the school charged what they did when I had to buy everything myself. everytime I have contacted great lakes im basically told oh well nothing we can do. im not even offered a payment plan im just told this is what I pay and that 's it. most places you get options. 
The school I attended was the XXXX. And I know for a fact im not the only student in my class that did n't receive their certificates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
There is a {$70.00} overcharge that I am disputing. It derives from TD Bank 's having charged me {$35.00} per debit when a debit induces a negative balance. 

I did overdraw the account on XXXX XXXX. I accept XXXX {$35.00} overdraft fee as appropriate. 
Debits are reconciled daily. There were XXXX debits on XXXX XXXX, and they were made in order of highest to lowest. In so doing, they were done so as to have XXXX of the XXXX debits made against a negative balance, so as to induce XXXX overdraft fees. If the biggest one was the last XXXX, then there would have been only XXXX debit against a negative balance therefore only XXXX overdraft fee. 

Therefore, I have been overcharged {$70.00} because XXXX of the XXXX overdraft fees were preventable by TD Bank. 

The likelihood that XXXX transactions would be, if their order was chosen at random, ordered from highest to lowest is XXXX in XXXX. XXXX use the protocol that if an event is less than XXXX likely by chance, then the event can not be considered a chance event. Therefore, I am inferring that the ordering to maximize the overdraft fees is deliberate. If similar complaints have been received against TD bank, then proof of intent will be stronger than can be inferred from this complaint alone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: GREAT LAKES
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was not told about other payment options if I was not able to the current rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: GREAT LAKES
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was on a 30 minute phone call with my wife during my lunch hour and during that phone call I received 7 calls from Great Lakes ( calling from XXXX ). While typing this just received call number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: GREAT LAKES
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
On XXXX XXXX, 2016, I called the holder of my federal student loan, Great Lakes, about the possibility of a short term forbearance. I 'm relocating to XXXX in two months and wanted to forbear for three months on my payments to increase my monthly available funds for moving expenses. When I called Great Lakes, I was informed that I was not eligible for a discretionary forbearance. When I asked if there was anything that Great Lakes could do to help me for a short term basis -- my other loan provider was willing to grant me a deferment for relocation expenses and I assumed that Great Lakes would be accommodating since they say to call them for repayment assistance -- I was informed that I could either pay my student loan with a credit card or not pay on my loans. I was told that nonpayment was an option because default would not trigger until 365 days and that there would little, if any, consequences arising therefrom. As a XXXX, I know that this statement was a misrepresentation on many fronts. First, Great Lakes will begin assessing fees on my account the minute I stop paying my account. Second, nonpayment after thirty days will be reported to the credit bureaus, which will adversely affect my credit score and my credit history. Third, nonpayment will make the entire unpaid balance of my loan and any interest due immediately and payable immediately. And fourth, my loan account could be assigned to a collection agency, which could result in wage/Social Security garnishment and further adverse effects to my credit score. The fact that a Great Lakes representative would recognize nonpayment as a legitimate " payment option '' when a customer is faced with a repayment issue is appalling. I hate to think that this is the advice that Great Lakes is giving to borrowers who need temporary assistance with repaying their student loans. Such conduct, to me, appears to be a predatory lending practice that inures in Great Lakes ' favor and not the borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Recently TD Bank change the way they process transactions. I am a customers that lives check by check. My work checks are direct deposit on fridays each week. I pay my car every other week and now I have incurred in more than XXXX overdraft fees of XXXX. They said this change was because customers wanted it like that. What customers rich customers? I ca n't not afford this and certainly I ca n't not afford loosing {$35.00} dollars just like that. The only reason why have n't close my account is because I have to many payments linked to my account. I feel this NEW thinks is not only afftecting me is affecting people like me and we are getting excesive overdrafts fees. We are being robbed XXXX for the little money we make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a email from XXXX XXXX about a collection on reported on my a XXXX XXXX credit report XX/XX/2020 this was the first I even new someone was trying to collect a dept. On XX/XX/2020 I disputed threw XXXX XXXX and came back accurate. Don't know anything about this bill it from IC Systems Collections for {$460.00} stated the the original creditor is XXXX XXXX XXXX. I again Disputed the collection XX/XX/2020 this time directly threw XXXX XXXX web site. This time the results came Not Specified and changes were made. I called XXXX XXXX and they did know what that results meant. I asked them if IC Systems provided any documents proving that this is my debt and stated no. This is not my debt and want removed from my credit 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 2016-03-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JP Morgan Chase keeps charging us for Inspection costs and they are not doing any inspections plus we are inquiring about these Inspection costs that are occurring frequently and whether it is legal per the loan agreement to charge Inspection costs especially when no inspections are taking place. We have tenants in the mortgaged home and these tenants will testify to the fact that no inspections are occuring at the mortagaged address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX  XXXX as of XX/XX/2021 ; XXXX account shows XXXX balance ; Has been reported as delinquent to all XXXX credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016, my bank started a real time account record. Meaning that purchases and transfers etc would be done in the order they are made. No problem. Overdraft charges were not mentioned in this change. I had accidentally overdrawn a couple times after the new policy and within the hour of the overage happening I covered it and did n't get a fee. Between XX/XX/XXXX and the XX/XX/XXXX my brother was dating an employee of the bank. They broke up and they have a legal issue pending between them. Her friends at the bank make us both feel uncomfortable with dirty looks, but nothing more. I brought in some of the employees belongings to her at my brother 's request, I took them to her work because I do n't know where she lives. Just days after I overdrew by {$1.00} and some change, within 10 minutes I covered it. They charged me the overdraft fee, I paid even though I thought it was unfair. They then charged me a fee for transferring from my savings too many times using the app. Stating that had I physically was in the bank I would n't have gotten the charge. I had bills coming out of the account and had enough to cover them with a few dollars left, but that charge put me over yet again. I paid to cover it and received yet another overdraft fee. I called and they denied any unfair charges where none existed before. I told them the fee is to pay them for covering and compensating what I overdraw and ca n't cover, but that is for a 24hr period or more, not 10 minutes. They claim that all banks do this and I should do my research, I said you are the only one that does n't allow until the end of the day. As for the online transfer they claim it 's state policy to charge the account holder for transferring the account holders money between accounts, I find it fishy. I had no problems until I brought in the persons belongings. It was no time until my account was being attacked when I had never had any issues before.

Company response to consumer: Closed with explanation