BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 at XXXX, I received an email from Chase stating that my phone number on my account had been changed. I immediately called to tell them that I did not authorize this change only to be told that they could not verify my identity. I also logged into my account while on the phone with customer service and found that someone had deposited 2 balance transfer checks on XX/XX/2020, one for {$5000.00} from XXXX 's and the other for {$12000.00} from XXXX in my checking account using my checking account number. Since they would not help me over the phone, I immediately went to a Chase branch near my house. I learned that the deposits were made through a teller at a branch I've never been to. How someone can make a deposit into an account without identification is beyond me! 

The {$5000.00} balance transfer check from XXXX XXXX  cleared on XX/XX/XXXX, even though, according to Chase 's own notes, the check should not have cleared before XX/XX/XXXX. The {$12000.00} balance transfer check from XXXX was flagged as fraudulent and did not clear. 

While meeting with a banker at my local Chase Branch, 3 transactions were made 26 miles away. The first was a withdrawal of {$3000.00} at a Chase ATM, the second for {$1000.00} at a XXXX across the street, and the third was a debit card purchase at a nearby bicycle shop for {$550.00}. 

Since the deposit from XXXX went into my own checking account, XXXX is stating that the check was not fraudulent, even though my signature was clearly forged. On top of that Chase is also denying the fraudulent withdrawal claim stating that since my debit card was used with the PIN, the withdrawals are also legitimate. The debit card transaction was temporarily reversed and an investigation is ongoing for that transaction. 

I have copies of the deposit slips and checks with my forged signature and timelines but no one will listen. The claims are being treated as separate incidents, even though they are clearly linked as part of a larger fraud. I was told that Chase needs a subpoena to review XXXX to prove that it wasn't me but they said I still may have let someone use my card. To add insult to injury, I have been charged {$350.00} in fees from XXXX and fees from Chase and now Chase is closing my account with no explanation given. I now owe XXXX {$5300.00}. 

I've filed a police report but was told by both banks that it won't necessarily help. I have no idea what to do next since and the banks are not being straightforward or helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: ESCALLATE, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The company contact my cousin at her home number and left a message stating that the call was in reference to a debt collection. I do not know where they received the phone number. I do not even know her home number ( only her cell phone number ). My cousin called back and they stated they were looking for me regarding debt collection. My cousin is very upset these people are calling her. I called the company and they are collecting a debt and have my cousin 's address. I have been staying there since XXXX 2015. I have never given any XXXX the number for her home ( again I do n't even know the number ). The fact that they called a number that is not listed in my name or even in a name with the same last name, a number I never provided them and left a message they were a debt collector and gave my name to my cousin is a breach of privacy. I have signed no XXXX party authorization and I did not provide the contact number they called. I asked the company to provide the paperwork I complete providing this number to them and they hung up on me. I believe they got the number from an internet search.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-30
Company: MLD MORTGAGE INC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was sent approval for a loan. Without any notice or any reasoning, the lender refused to return phone calls or e-mails after charging over {$600.00} for an appraisal fee and taking over six-months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-25
Company: SIMM Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The person from SIMM associates that I was contacted by identified me ( without XXXX stating that it was an attempt to collect a debt ) by discussing a payment arrangement we had made, then reading out to me the last XXXX of my SSN. He then disclosed that it was an attempt to collect a debt - without my telling him any information, only confirming that information which he read to me. I have legitimate concerns with the possibility my personal information was given out. When I hung up and tried to contact a manager there, I was placed back on the phone by the operator with the agent that engaged in this malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TENET HEALTHCARE CORPORATION
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid to the hospital by my insurance years ago. I 've tried several times to get this corrected but my attempts have been ignored. I sent verification in 2012 and was told it would be removed. Now 4 years later I still ca n't believe they wo n't remove this from the credit bureaus. How long can they continue to destroy my credit score? I 'm totally frustrated and will continue to contact my Congressman until laws are changed to prevent this abuse, both financially and mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Im in a ARM mortage loan on my house and have had the same loan for 11 years, I have never been late or missed a payment to them ever, My credit score has gone up but my income has not, Therefore I can not Qualify for a new loan, They keep raising my interest rate and have raised it several times even when interest rates were going down. I do not think that they should be able to do this it is starting to put me in a position to not be able to make my payments, I understand I signed an ARM but was told by my lender they would only adjust with interest rates, The rate would go down when rates went down and up when rates went up. 
Is this legal or ethical?

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 2015-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of 2015 I closed my credit card account with Bank of America. In XXXX of 2015, a company attempted to process an annual recurring charge of {$99.00} to the closed account. Bank of America accepted this charge, even though the account had been closed for seven months, and then sent me a statement requiring payment. I immediately contacted Bank of America to inquire why they accepted a charge on the account, even though the account was closed. Their response was that it is Bank of America policy to accept recurring charges, regardless of whether an account is open or closed. 
I have made numerous calls to Bank of America requesting that this charge be taken off of my account, due to the fact that the account was closed seven months prior to the charge being submitted. They have refused to remove the charge, and have taken the position that I am responsible for paying the {$99.00}. 
It is my contention that they should have never accepted any charge to an account that has been closed. They have been uncooperative with my attempts to rectify the situation, and I am requesting that your agency intervene to assist me with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had requested to be taken off the auto-dialing system, to which the company complied. My account is currently in collections due to financial hardship and they continuously call me during work hours and even on Sundays. I have requested multiple times to not call during the hours of XXXX - XXXX Monday through Friday and no calls on Sunday. They state they have " noted the file '' but I keep receiving calls during these requested no call times. When I address it with the worker and/or their supervisor, they 're response is always : " our system is not capable of not making calls regardless of the customers request. '' Which I find odd if I am no longer on an auto dial system, the person manually calling me should see the " notation '' that states not to call during these hours. 

When I present this ongoing issue to workers and their supervisors, their response is always as follows : " Sir, you have stated you can not talk during these hours yet you pick up to the phone to tell us that you can not talk. In this amount of time we could have resolved your issue. '' I explain to them that I am at work and can not discuss my account during these hours and they continuously harass me stating that I am clearly able to discuss my account if I have the time to call and complain. 

They seem to be violating my requests to not call during certain times and I am suspicious as to if my request for being removed from the auto dialing system has even been completed. 

Navient employees are quick to say that my account is past due and I need to pay a certain amount to bring it current, yet whenever I look at my account online, there are different amounts listed as to what would be needed to bring it current. This is misleading information. I have never been able to have Navient confirm what exact amount is owed or when my billing cycle generates. An employee on XX/XX/2017 informed me I could make a payment of {$100.00} to bring my account current, yet today on XX/XX/2017 the employee stated I needed to pay {$130.00} This is becoming a headache and seems very unethical in their collection practices. I am constantly being presented with rude workers who do not want to help resolve the issue, instead want to harass. I have asked " supervisors '' multiple times to review the recorded phone calls to see how their employees treat customers and they state they will, but I doubt they ever do. If they were to listen to my phone calls, they would see how the employees are not there to help but to ridicule and demean those who may not be able to pay at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company named Navient a student loan lending company has contacted me numerous times regarding a old XXXX student loan that has been paid in full. Navient has no information regarding the loan, what school the loan was from the correct amount and many other discrepancies. I 've never received a student loan from Navient, I 've requested them to send any paperwork they might have regarding this loan they refuse and when called it seems more like they are fishing for information about the loan they do not have. They have contacted me by phone, text messages and emails. I filed a fraud complaint with XXXX and Navient refused to respond to them. Navient seems to be a company that finds old, outdated and paid in full student loans from other companies then try to collect on them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2016 I Disputed a request with Montgomery wards Store acct # XXXX that they placed on my credit file no response then request XX/XX/2016 no response I recent another dispute on XX/XX/2016 that they would remove this account from my credit file and yet still have n't heard anything from them so I 'm asking to remove this claim from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX I attempted to call Navient about my student loan. I could not find the number so I XXXX it. When I called the number a XXXX XXXX answered the phone and asked me was I calling about my student loans. He may have said are you calling to consolidate your student loans. I told him I was calling to request a deferment on my student loans. He went through the spill of telling me about the federal government forgiveness program. I had heard of it but never checked into it nor read about it. What he told me I took for truth and he told me that the federal government was offering the loan forgiveness program if you qualify. He asked me a few questions and determined I qualified. He told me it would cost {$390.00} and XXXX $ a month for 20 years afterwards the balance forgiven. I told him I had to think about. Up until now I thought I was talking with representative from Navient ; he then told me to think about and gave me the correct number to call Navient. I did not mention this to Navient when I called ; I only ask for the deferment information. After a few weeks I decided to call XXXX XXXX back, thinking he is with the XXXX to start the process of loan forgiveness. Unfortunately after I paid the {$390.00} to XXXX XXXX and was not able to get back in touch with him the next day I felt uneasy. I paid this money on a Thursday, Monday I called Navient to tell them what happen. They inform me that I had talked with a third party company. The company XXXX XXXX is with is called FedLoan Help Center. Navient informed me that they were playing off the name XXXX XXXX with is a legit company they deal with for consolidation and loan forgiveness and is a free service. I have called and emailed XXXX XXXX, no response. I will continue to call the XXXX XXXX XXXX to request a refund, but I have signed papers electronically and I am not sure how far I will get or how long this will take. I am furious that he had mislead me to believe he was with the XXXX and that the Federal Government was offering loan forgiveness for XXXX $ and XXXX $ a month for 20 years and then I would be forgiven for the balance. This company has misrepresented themselves on googled and used wording to make you think they are with the Federal Government and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Navient calls me from 4 to 10 times a day about a loan balance that I have written letters to them about, talked with 6-8 of their representatives about, and wrote them to quit calling me all the time. I wrote telling them they were harassing me and I would get an attorney to sue them. They said they were immune to harassment laws and they did not apply to them. They have called me repeatedly every day, even XXXX, and as late as XXXX. I have records on my phone of over XXXX calls from them since XX/XX/2016. Now they are threatening to sue me or take it to litigation. I told them all what I could do since I am on a fixed social security income and have health problems so I can not work, not to mention the fact that I offered to pay what I could and they did not accept it. I have received calls from every office they have in the country. One stops and another starts. It is ridiculous and has my nerves on end. They even charged me with loans that they had turned back over to XXXX University and I paid XXXX in full. Now they have called my daughter and my husband concerning these loans and it upsets me very much. My daughter is living on XXXX, needs a XXXX, and has XXXX which we do n't know what they are. It upsets her for them to call her and I am worried about her health. If this is not harassment, I do n't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is structuring the deposits into and payments out of my checking account in a way that causes overdraft fees unfairly. I understand that this is not illegal but it is immoral and a I would like to officially file a complaint.

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 2017-01-12
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 temporarily postpone payments

Complaint:
I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and successfully graduated with a XXXX. My Private loans went through XXXX XXXX, who has since changed names to Navient due to another Class action lawsuit. Needless to say the Customer Service and loan tactics have not changed. 

I have XXXX Private loans with them, XXXX of which are cosigned by my parents who are both on fixed incomes due to retirement. All XXXX loans were in some form of Forbearance due to me not finding a job within the field of study I have the XXXX in for a number of years and not making enough to pay the balances owed along with regular living expenses. the Forbearance periods I have been told are not available now, apparently there are restraints on how long a loan can be in forbearance regardless of your financial situation. Until the company name change they have refewsed to try and work out a feasible repayment plan, although, at this time, we were able to agree on an Income Contingent program, although for some unexplained reason, the XXXX cosigned loans are not eligible and every program I 've requested about has resulted in there management department ( what ever they care to call it ) causing those loans to be listed as late or delinquent even though they are on a monthly automatic draft payment that they setup and agreed too. Now that the College I attended is no longer an establishment, and the loans were obviously predatory as to this day I still cant afford the approximate {$700.00} a month the payment would be if not on the IC program. Is a portion of this, if not all of it forfeit and charged off due to the predatory nature of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
This summer I started the process of refinancing my home with Bank of America to lower the monthly payment. 
When I initially spoke to the loan officer, around XXXX XXXX, 2015 the discussion of the configuration of my home was discussed, that there was a guest suite in the lower level of the home. A friend of mine is staying there at this time. There was no discussion that this would be a problem. 

After I satisfied numerous concerns that were raised as to income, insurance etc. there was a call XXXX asking for a charge card so an appraisal could be done. At this point the only concern The loan officer addressed was that the house would appraise at least {$180000.00}. At this point there was no mention of any problems. The fee charged on XXXX XXXX was {$460.00}. 

After the appraisal was completed, I was asked to provide another letter of explanation for XXXX items. After I provided these I did not hear from the loan officer until I contacted him on XXXX XXXX to ask the status of the loan. When he contacted me he stated he had made multiple attempts on getting an update, there was nothing left remaining on my file. He was to double check. 

On XXXX XXXX late in the afternoon I received a call stating that the underwriter had refused the loan because there was a kitchen on the lower level. This was the first time this issue had been raised. This is a fairly common configuration in houses in this area. 

Needless to say I am concerned about the money I have invested in the appraisal of this property and would like to address my dissatisfaction with the way this matter has been handled. If this loan does not go through I would like to be reimbursed for this expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: VA
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:
I have been repaying my loans for the past 11 years. XXXX being the former owners in my opinion was hard to work with in regards to forbearance utilization and deferment assistance ; Navient is by far worse. I have requested several times to have my co-signers removed as I am not in default on any of my XXXX loans and that has yet to happen. I also tried to obtain copies of the original contracts for the loan request and a year later have not received the documents. If it was not because these loans werie private I would have been forced to file bankruptcy with what they expect for repayment monthly based on income rather than how much your household expenses are. The interest is higher than ever by time most students are able to replay these loans we will be drawing social security ( if any. )

Company response to consumer: Closed with explanation