BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an online bank account with XXXX, I use this for my high yield savings account. I also have an account with Chase Bank. My husband and I were in the process of buying a house & needed transfer XXXX to the Chase account so we could initiate a wire transfer. When I attempted to do this, I found that Chase would not accept the money because they needed to " verify that I had funds in the external account ''. Soon after this a block was put on my account & I could n't access my account online. I was told I had to go into to a branch to verify my identity. After I did this, I was assured this would n't happen again, but it did. I had been looking for a motorcycle & found XXXX! All I needed to do was transfer the money to chase so I could get a money order. Well, Chase once again apparently thought I was trying to commit fraud & put a hold on my account! I was told again that I have to go into a branch to verify my identity, ( I was just in a branch earlier same morning ). Meanwhile, nobody will tell me why my account has been blocked! They just treat me like I 'm a criminal & tell me I need to go into a branch to verify my identity! My dream motorcycle may be sold to someone else simply because Chase wo n't accept a transfer! It 's as if Chase does n't like what I 'm doing with my money! It 's my XXXX money! Why am I being treated like a criminal for simply attempting to transfer money TO my Chase account?! I will be closing this account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I have had a credit card account with American Express for over 10 years, never missed a payment and for the last 3 years plus had a XXXX balance but maintained an available balance of {$8000.00}. On XXXX XXXX, 2016 I had a Family emergency ( in another state ) that required immediate need for financial intervention. On the morning of XXXX/XXXX/2016 I called American Express and confirmed with their customer service I had an {$8000.00} available credit and a XXXX balance. I went ahead and proceeded to use my American Express card to address my emergency situation that same day. I used the card to secure a {$3000.00} retainer for an Attorney ( due to a family member XXXX ) and then attempted to use the card to post XXXX with a XXXX XXXX XXXX ( to secure release of my XXXX member ). The XXXX XXXX XXXX kept getting a " rejected '' notice on my American Express card. The XXXX XXXX re-submitted for payment several times over next several hours. I began calling American Express to investigate and rectify the situation. My frantic calls to AE were transferred multiple times and I was eventually informed to contact AE 's Fraud prevention/monitoring department. AE 's fraud people informed the " denials '' were an attempt to insure the fraud prevention ; it was a " security/fraud matter '' to screen for unsolicited charges. I gave my approval to AE to authorize payment immediately to the specified XXXX XXXX XXXX. After numerous attempts to make payment through my AE card failed. I then used another card for this matter BUT - it was to late and my family member was required to spend the night in jail and be processed out the next morning. 
Please be aware, I later made contact with AE to voice my complaint, anger and objection about this issue on several occasions in XXXX and XXXX 2016. I was eventually told, coincidentally, ON THE SAME DAY of my need for use of the available balance on my American Express Card ( XXXX XXXX, 2016 ), AE lowered my available balance from {$8000.00} to {$3100.00} - I had received NO Notice of this reduction ( remember earlier in the same day I was told of my available {$8000.00} ). Therefore the charge of the Attorney 's retainer had left nothing available for the charge of the XXXX XXXX service ( my family member was XXXX ). " Coincidentally '' I received in the mail in XXXX 2016, a notice of " lowered credit limit '' to {$3100.00}, dated XXXX XXXX, 2016. 
I have yet to receive any further contact from American Express about my complaint to the company on this whole situation. Therefore I 'm appealing to CFPB to move this forward, In addition I am hopeful CFPB can make the public aware of the continued actions of corporations, like American Express that put profits before people ; and the consequences that affect people 's lives. 
I look forward to your assistance and response, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
XXXX XXXX, XXXX is effective BY OPERATION OF LAW. AT THAT POINT IN TIME WHEN THE NOTICE OF RESCISSION WAS SENT, THE LOAN CONTRACT IS CANCELED, THE NOTE IS VOID AND THE MORTGAGE IS VOID -- - BY OPERATION OF LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank has manipulated our deposits and debits in order to charge us overdraft fees. We had a deposit that had not been credited to our account before the debits and it has caused our account to be overdrawn. If the overdraft fees were not added then we would not be overdrawn. The timing of the fees, the credits, and the debits is extremely shady and causing us more financial issues and it is creating a problem with our finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY ASSOCIATES ( A DEBT COLLECTOR ) IS SAYING I OWE THEM XXXX DOLLARS FOR SOMETHING THE SAY I OWED XXXX XXXX. ACCT # XXXX. I DO NOT OWE THEM ANYTHING, AND DEMAND A VALIDATION LETTER BY MAIL IN A TIMELY FASHION PER THE FAIR CREDIT REPORTING ACT. I AM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED FROM FRAUDENLANT LEGAL ACTION THAT THIS COMPANY IS TRYING TO PULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collection company continues to violate my rights through abusive practices. Pursuant to 15 USC 1692f ( 8 ) they put their logo on the envelope of an alleged debt. They did not inform me of my rights to dispute within 30 days pursuant to 15 USC 1692g ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received an email from XXXX XXXX on XX/XX/XXXX indicating I have an account in collection. To my surprise, I see that my credit score has dropped over XXXX points for an account in collection for XXXX measly dollars that was apparently opened on XX/XX/XXXX. I have no idea what this company is or what this collection is for. This needs to be removed from my credit report IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a HIPAA Validation request letter to Syndicated Office Systemst for a medical debt reporting on my credit report, to which I never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX, PA from XX/XX/XXXX-XX/XX/XXXX. During this time my school misrepresented job placement rates for many of their programs of study and violated federal law. I was forced to go with a high interest private student loan ( 14.9 % ) through XXXX XXXX, which was a institution owned by XXXX. I was supposed to receive a letter by XX/XX/XXXX if i was included in this settlement. I never received one yet i am a victim. I have contacted Universtity Accounting Services about this and they neglect to answer my question. This complaint pertains to complaint Case : XXXX Document # : 1 Filed : XX/XX/XXXX XXXX XXXX of XXXX PageID # :1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was wrongfully evicted after the complex returned 3 months of my rent. I attempted to resolve it with the company by phone, but they still wanted me to pay most of it. Also, I disputed it via XXXX XXXX, but it was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When i left XXXX i was not informed of any debt to them. And when i got it it was to late to pay them off. Went to collections before i could do anything

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 2015-07-07
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a XXXX credit card through Barclays and I was just charged some kind of deferred interest, of which they provided no advance warning, of over eight hundred dollars in a single charge. I was steadily paying off this balance and was XXXX XXXX dollars below my credit limit, and now I am, out of nowhere, XXXX XXXX dollars over my credit line. I do not understand why they are just allowed to do this, which completely messes up my credit and short term budgeting, which no warning or clarification. Please help me deal with them to try to get this egregious charge taken off of my account. Do n't they have to provide notice or explanation? If they were about to charge me XXXX XXXX dollars of interest, should n't they have notified me, since they notify me automatically every XXXX month when a payment is due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
An attorney for a creditor placed a restraint on my bank account. The Bank of America sent me an exemption form to fill out which is required under NY State law. The only money in the account was direct deposited Social Security benefits. I filled out the form to say the only income in the account was exempt. The Bank continued to restrain the account. I contacted an attorney. She contacted the creditor 's attorney to inform him the income was exempt and he sent a notice to the Bank to release the account. The bank released the account, but retained a {$120.00} processing fee. Under New York State law, the Bank is not entitled to the processing fee if the account should not have been restrained. Because the bank knew the only money in the account was direct deposited social security benefits, the account should not have been restrained. The bank has no responded to my attorney 's requests to refund me the {$120.00} processing fee.

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 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was going through my credit report from the 3 major credit bureaus ( transunion, XXXX, and XXXX ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).

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 2015-05-30
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the middle of a chapter XXXX, have Owen as my mortgage holder owe XXXX my loan and my house is not worth XXXX, they told my attorney I qualified for a modification after 3 months of sending paperwork, sent it wasnt available to me, no reason was given, other then I didnt qualify. I have had nothing but TROUBLE with Ocwen, and my attorney has tried to resolve many issues, all letters have gone unanswered, by Ocwen. I just wan na safe in keep my home Ive been in for the lat 20, years Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Central Credit Services just started appearing on my credit report from one day to the next. I never received a notice with the right to dispute. Because I have been a victim of True Name Identity Theft, I called Central Credit Services to dispute the item appearing on my credit report. I was on hold for 20 minutes before they were able to find an account that they claim is mine. They did not have the correct address, nor do I owe any money to any company they claim I owe money to. 

The agent said on the phone that he would send me an itemized bill to show this is my account, as I told him this is not my account or bill and sending it would n't be sufficient proof that this account is mine. Furthermore, they have the incorrect address.

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 2017-03-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I filed for an income based repayment plan and every time i called they would say they needed something else and putting the account back in forebarence. When i finally argued with them in XX/XX/XXXX they said it was approved but never gave me the new payment. They put the account back in forebarence without my permission. When i finally saw my payment in XX/XX/XXXX it was the same payment i told them i could not afford in XX/XX/XXXX. Now what do i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: CA
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 took out student loans they became due for payment in 2009 I have never made apayment the statute of limitations for collecting on a debt in California is 4 years it has now been 8 years and now they want to collect. This is a violation of FDCP rules

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I attempted to file a dispute for items returned back to Gap, the incorrect/wrong items were sent and were returned back. The order, XXXX, contained wrong pair of jeans and shirt. They were sent back on XXXX, arrived on XXXX according to XXXX. Tracking number is XXXX. The order total is XXXX. Again, I attempted to file a dispute, but do not know if the rep ( s ) actually filed it as their XXXX is poor and hard to understand. XXXX rep was provided with reason for dispute and return tracking information. As with most companies, Banana Republic credit customer care has been outsourced to XXXX, reps are ignorant/hard to communicate with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04
Company: SYNCHRONY FINANCIAL
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased flooring from XXXX XXXX on a 'same as cash ' basis. Each month the statement had the minimum payment due and the balance. If figured under current minimum payment and balance the projected payments would fulfill the loan in a short time. Nothing was reported on the amount of time available before the same as cash status ended. This week I received a bill with the previous balance and the interest of {$2300.00} which was XXXX of the original loan. There was no bill for the total remainder prior to levying the back interest and no opportunity to pay the full amount OR be charged the XXXX interest. The {$2300.00} charge is simply added to your account with no options. I believe this is just the sort of unfair lending practices the consumer financial protection agency was created to protect against. Given the option I would have taken the money out of my remodeling fund for my house and paid off the loan. Instead I was charged over {$2000.00} just this month without any option to pay off the loan. Had they simply stated that the interest would be charged if the loan was not paid on a certain date I would have paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25
Company: Kirschenbaum & Phillips P.C
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A judgement was placed on my checking account without knowledge as to who the creditor is, the amount of the debt and no summons was received by me. My account contains child support and social security income which legally can not be restricted. When I called the law firm my bank provided, they refused to give me any information as to who they are unless I provided my social security number. I declined, as I was unaware of whom I was speaking to. The point of contact at the lawfirm aggressively told me she would not provide me with any information and that my account would stay frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show NR, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XXXX XXXX. The reporting should show 3 months of late payments, and then a charge off XXXX XXXX, then it was closed, it should show XXXX, until XXXX XXXX when it should show pays as agreed, then should show XXXX for XXXX XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XXXX of XXXX. Please correct this reporting.

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 2017-03-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To begin with I have a FHA loan with Wells Fargo. Initially they stated I had abandoned my property and they attempted to escalate the foreclosure due to the abandonment. At this time I still lived in the property and wanted to keep it. Next I was able to get in touch with the foreclosure attorney to advise of my intentions. I went through the process of trying to get a modification and it was declined within a week due to affordability. I disputed this decision due to I received a pay increase and bonus money since the documents were submitted. I asked about an appeal due to the additional income. The agent XXXX tried to dissuade me from submitting an appeal and basically saying there was nothing I could do. When I went to ask additional questions the phone hung up. I attempted to call back but could not get through. Wells Fargo is intentionally trying not to do a modification due to this being a government secured mortgage loan. They raised my payment entirely high before to make the home unaffordable. Please review my case and review this call from XXXX. I believe Wells Fargo is engaging in unfair and deceptive business practices. Please review my case for a resolution.

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