BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: The Bureaus, Inc.
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I contacted The Bureaus to pay off a debt. The person that answered the phone did not tell me her name. She was extremely rude and disrespectful. She said she could not work with me under the circumstances and I asked for the fax number. She said I did n't need the fax number and argued with me when I insisted on having the fax number. Then, before her response was audible, she hung up on me. I called again, and spoke to someone that referred to herself as " XXXX ''. She was also very disrespectful after I told her what the how the other associate had treated me. I asked her for the fax number. She gave it to me and hung up on me. Then, I called back and asked to speak to a Supervisor. " XXXX '' answered again. She told me there was no Supervisor. I asked her how they ran a business without a Supervisor. She asked if she could help me. I asked, " Are you a Supervisor? '' She answered, No. I said, " Then you ca n't help me. I 'd like to speak to a Supervisor. '' She refused. She said that no one was available. I asked her when someone would be available. She asked why I had an attitude. I told her it was because she was refusing to let me speak to a Supervisor. She said, " I already told you no one was available. '' I said, " When will someone be available? '' She said, " Tomorrow morning, '' and then she hung up the phone. 

All I wanted was to pay my debt and they were completely unwilling to work with me. They were rude, disrespectful and they hung up on me a total of four times. They knew who was calling, because I put in my social security number, and the first time they answered, they asked if I was XXXX XXXX. I responded yes. So that tells me that the prompt to enter my social security number immediately told the person that answered the call my name. So, the 2nd and the 3rd time that I called and they hung up on me, that let 's me know that they knew who it was that had called. 

This experience was humiliating and upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: PLS GROUP, INC
State: IL
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
Re PLS prepaid card, and atm use. 

I used my card at ATM. Requested {$130.00}. I was ok with the {$4.00} charge ATM cost, and {$2.00} charge for ATM transactions with PLS debit card use. I accepted and pressed proceed, then, The ATM machine dispensed only {$80.00}, but proceeded to charge the {$4.00} and bank cost of {$2.00}. 

I called the XXXX XXXX, as I was told they own the machine, and was told since I do n't have an account she ca n't refund and to call my card bank. I called my card bank, PLS, and was told they ca n't do anything. 

I am being charged twice, for XXXX requested total. ATM should not charge you if they ca n't dispense the total amount. The card issuing bank should have a process to protect us consumers. I 'm stuck with paying about {$16.00}, to receive XXXX requested total of {$130.00}. My cost should 've remained the roughly {$8.00} not be surprised to roughly {$16.00} due to failure of an ATM. 

I want a refund of the PLS cost of {$2.00} plus {$4.00} ATM cost, just to do the additional transaction in order receive the difference in total I requested of up to {$130.00}. Why should I be stuck paying twice for my XXXX request?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29
Company: Duvera Billing Services, LLC
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got financed by DUVERA finance also known as easy pay for XXXX dollars so I could buy my kids a puppy. The pet store clerk was misleading about the interest rate and when i advised i was XXXX military he assured me that would be handled appropriately. ( i should have verified before i signed the contract ) I am now paying 189 % interest on my loan. When I called duvera they were rude and said that they do not have to lower my interest rate at all and they based it all on a loop hole. The woman i spoke to said SCRA didnt apply in my case and went on about a bunch of different contracts. She even laughed and said to go ahead and speak to my legal office because they dont care im XXXX and they know the law. I paid XXXX on my loan and only XXXX has actually gone to pay off my dog. They threw a bunch of legal jargon at me that I did n't understand which was probably to confuse me and it did. I called to see what it would cost to pay off the loan next month and they gave me a balance of XXXX dollars. I am so upset with this company. I am a single mom of XXXX who is XXXX and I feel like I have been scammed and taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank has been locking me out of my savings and checking accounts if I do n't complete a transaction at least every 6 months. They claim the are protecting me by assigning the account an " inactive '' status. THEN, in order to get it activated, I have to call their XXXX number and fight with them to prove my identity. NO personal data, PIN, or ATM card number is sufficient ( SSN, DOB, account number, nor are ATM transactions, past checks, or other evidence acceptable ). ONLY an electronic debit of some sort is acceptable to prove my identity, OR a trip to a bank branch and a wait for a bank officer. Since I can not log in, I can not obtain that information, which, by definition has to be more than 6 months old Even though I get printed statements, they 're often buried in boxes, and finding the particular type of information -- if it even exists -- is darn near impossible. Their phone staff is adamant, however, including their Supervisors. Going to a branch is sometimes impossible if I am traveling in a city where they have no branch services. I have quite a few accounts with TD Bank, and in some, a fair amount of funds on reserve. Are they allowed to deny me all access to my funds because I have not used an account for 6 months plus 1 day? That seems illegal. Other banks that I do business with use a 1-year inactivity threshold, AND they are more reasonable and realistic and professional when dealing with them. I am an older person, and using my accounts less and less, so I think TD Bank is preying on older Americans for whom in-person banking can be a tremendous challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I mailed a second dispute letter and proof of payment ( a copy of my money order ) to Experian on XXXX XXXX, 2017 for the collection reported from XXXX XXXX XXXX. Acct # XXXX for a balance of {$310.00}. I advised that I paid the apartment complex directly and found a copy of the money order that I gave to the manager and she cashed it. I was a previous employee at the apartment complex and the manager did not notify of the balance per lease contract within 15 days. She mailed it out over 30 days later. Once I received it, I paid it. Experian sent a letter today, XXXX XXXX that it is reporting correctly and it is not. In fact, I submitted the same to another credit bureau, they investigated, and deleted this item. It should not be reporting on my Experian 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 non-monetary relief
Consumer complaint received 2016-04-19
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
in XXXX 2016, target sent me a letter stating about sending in a document for the removal of the inquiry. Once i sent the document, the credit bureau equifax, states to me that it is up to Target to handle this process and that I am not suppose to do anything. The credit bureau also stated to me that Target had never sent anything in stating for the removal of the inquiry and that Target is not addressing the issue instead giving me the runaround. The credit bureau also stated to me that all Target is supposed to email XXXX asking for the removal of the inquiry.. s of today the inquiry still exist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: Nelnet, Inc.
State: MA
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 have a number of student and parent loans from myself and my XXXX children 's college educations that are now all administered by Nelnet. When I was in school and when my children were in school some of the loans went in and out of deferment automatically- without my consent. I have been making the minimum payments for about five years but the total for all of the loans has not decreased more than a few XXXX dollars. Recently I requested a listing of all payments and how the payments were applied for each account. I noticed that on some of the accounts- especially one with a payment of over {$100.00} a month- all of the payment was applied to interest for several years. There are payments that say " reapplied borrower payment '' which makes me think Netnet redistributed payments at some point. Customer service agents at Nelnet can not answer questions about distribution. They can only read the same information about the accounts that I can access online. 
I think that Nelnet is mishandling my accounts. How can XXXX % of a standard repayment payment not pay any principal for months or years at a time? There have also been many instances of interest capitalized- XXXX of dollars at a time. I need someone who is knowledge about this subject to review my accounts with me. I am and have been paying XXXX of dollars a month in loan payments and my loans are not getting smaller! Can you help me figure this out? Standard repayment is supposed to be 10 years. Between the questionable payment allocation and the automatic deferments I can see this going on and on. I need a payment schedule that I can depend on and track.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have just received a notice from United Wholesale Mortgage, Notice of Servicing Transfer, for XXXX/XXXX/2016, I believe that they need to send me a notice 15 days before the transfer. I received the notice, in the mail 4 days after the Transfer ( XXXX/XXXX/2016 ). 
It is strange that the letter is dated XXXX XXXX, 2016, and there is no postmark on the envelope. If this letter was posted on XXXX/XXXX/2016, I would have received it weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY Transunion allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one.

In addition, Annual credit report.com should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting a collection on a debt that is not mine I have been fighting them thru CFPB with no solution yet they have failed to validate debt with FDCPA guidelines and this is now on 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 2016-09-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase bank charged back a credit for for a disputed claim against a company that took {$300.00} out of my account without my permission. According to their own rules and regulations it states that I have 60 days to report these disputed claims. 
This one was dated XXXX/XXXX/2016 XXXX web id XXXX with I did not get my statement until XXXX/XXXX/2016 which is within the 60 days notice that they require. The second was dated XXXX/XXXX/2016 XXXX web id XXXX and that statement was made available to me on XXXX/XXXX/2016 clearly within the 60 days notice that is required. The third was made on XXXX/XXXX/2016 which I did not know about unitl I had callled in to file on the other ones on XXXX/XXXX/2016 which was clearly within the 60 days. Chase needs to do the right thing and credit my account back. {$210.00}. that they have charged me because the also charge me extended overdraft that they clearly told me that they were not going to charge because of the dispute. I was going by what the claims representative informed me on the date of my claim. The Chase rep told me that I was within the 60 days and that there would be not problem now they are saying I owe back the money. Chase should not have credited me the money until they checked out my claim. But according to the rules and regulations it states the I have 60 days from when my statement is available to me to file a claim and all XXXX claims were within the 60 days of receiving my statements. I have also learned that Chase is charging me an account fee which they should not be charging me because when I opened up the account I was informed that as long as I have direct deposit, I would not be charged an account fee. So they owe over {$200.00} for that charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The details of my complaint are as follows : XXXX XXXX, I am checking on your reaction response dated XX/XX/2017. 

Pursuant to the Fair Credit Reporting Act, you are notified as follows : XXXX XXXX specialists have victimized people with handicaps. 

Past undertakings to rent rental unit have failed or purpose behind Civil Court History have changed.

Common Court History query items ought not be utilized to dismiss applicants.

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 2017-03-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was mailed a XXXX XXXX CHASE Credit Card offer in the mail. This violated my opt out submission that i placed online for 5 years. This is more than three months after requesting to be removed from the mailing lists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Chase refuses to provide a closing date for a simple refi of existing loan held by Chase even after 100+ days. Chase has said there are no problems with my application, just they are very busy. Rate lock has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I deposited a check from my business account at XXXX XXXX into my personal account after hours at Chase ATM machine for {$150000.00} on XX/XX/XXXX. However, the machine only credited my account for {$150.00}! I went to the branch where the ATM is located and informed the discrepancy to a private client banker on XX/XX/XXXX. He talked with Chase head office and was told that the problem will be resolved by XX/XX/XXXX. I even received a letter from Chase customer claims that " my inquiry has been resolved ''. However Chase refused to release the remaining {$150000.00}. After repeated calls to the branch and customer claims center over the past 3 weeks, I have now received this amount BUT only as a TEMPORARY credit until " they investigate the matter further ''. 
Thus, I am afraid to access these funds since they might take this money back from my account and charge me a fee for an overdrawn account In the past, they have charged me a fee of {$75.00} if my balance falls below {$75000.00} even for a few hours. 
I am enclosing a copy of the original check, copy of my account statement, the letter from Chase claiming that " they have discussed and I have agreed that this matter is resolved " - obviously completely untrue, as well as an email that states clearly that the credit is only temporary. I also enclose a notice from XXXX XXXX stating that my business account was debited for {$150000.00} and NOT for {$150.00} by Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I book hotel reservation on XXXX. On name your price after I disputed with about the location and star level got no where so I filed a dispute with my credit card company. The next day price canceled my reservation with hotel. So I called check XXXX my reservation was cancel on XXXX/XXXX/15 for {$2900.00}. So I booked a new reservation after they cancel the first one. That also with XXXX {$3100.00} now they say I no refundable yet they cancel the hotel and keeping my money. What can I do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was completely destroyed by flood on XXXX XXXX, l was told by my insurance adjuster that they would contact Chase ( my mortgage carrier ) and arrangements would be made so l would not be expected to make further payments in lue of the mortgage being paid off. My insurance company sent several emails requesting information to process this interaction, but no response was ever received from Chase. Upon my request to contact my insurance company, Chase refused to respond saying that the insurance company did not need any information from them to expidite the payoff. Upon a phone conversation in which my insurance adjuster made to Chase, they explained that email was not an accepted for m off communication for them and all interactions had to be submitted by way of fax. No contact was made however by Chase to either myself or my insurance company to relay this information and so they ignored any requests that had been made by myself and the insurance company for information relating to my situation.l then made phone calls to Chase to explain the situation at which time after more than an hour and a half on the phone and being transfered to XXXX departments, l was told l could only avoid being reported as delinquent to the credit department if my payment was made before it was more than 30 days past due, which at the time, l was hopeful would be paid off by the insurance company by that time.After several calls to the insurance company and 3 more phone calls to Chase requesting ANY options available to me to avoid a negative report, l was told there was nothing available to me to help my situation. On XXXX XXXX l made one final call to Chase to try and work out any kind of arraingment, l was then told that a mortgage assistance program had been available to me since the beginning and had been set up to assist victims of the flood with exactly this problem! Had l been informed, a simple form should have been filled out and l would not have been responsible for any further payments until the insurance company satisfied the loan. Of course l was told that it was too late to fill it out then because not enough time was left to submit it before the end of business that day when they would be submitting not a 30 day delinquency, but a 60 day one, which they did ... Now that my mortgage is paid off and l am starting over, l must apply for a loan to rebuild a mew home, but probably will not be able to get, due to a drop in my credit score in excess of XXXX points. If our financial institutions have this little regard for people like me who maintained a perfect payment record for over 13 years to them, and because l was a victim of a natural disaster, l am being punished and mistreated, and inevitably will be the one to pay a very high price for THEIR incompatance, then how are we supposed to have any faith in the " system '' or in our governing bodies!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated automated calls with no identification of who they are trying to contact, or what company they are. Caller ID says XXXX, RECEIVABLESPERF. There is no message left, if I pick up there is a long silence, and then a recording.

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