BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
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:
With the increasing awareness on tactics of predatory student loans I believe there is cause for a lawsuit regarding my student loans carried by ECSI. 

At XXXX XX/XX/XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XX/XX/2017. By delaying my payment of {$25000.00} until XX/XX/XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XX/XX/XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in y payment sooner than XX/XX/XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Dear sir, I am victim of CC fraud while I make my monthly bill from my CC for cellphone bills back from XX/XX/XXXX until XXXX. I noticed it lately in and around XX/XX/XXXX, but contacted the cellphone company store representative and describe why this charging is still happening while I was your customer and even after I closed their service and get cellphone service from other sister company. The representative retain copy of my CC statement and told to be contacted. Nothing back and replied. Then I contacted my CC provider and reported complaint and recorded as a dispute to follow up. Then sent me a letter to provide them with supporting documents I had, but I were not able to do so due to where to look for this docs., my first experience and luck of knowledge about it. Meanwhile the CC company sent me a new CC thinking that would help to stop the transaction and that did not stop charging me monthly {$100.00} without my authorization and knowledge. Yes here I can not deny that I had weakness to check my account transaction periodically and report as early as two three months after, but I completely relied on my service provider and CC to handle with integrity and security, but now I could not find and get any help stop my lose of money and affects my clean financial transactions and would affect my CC points if I am forced to close my CC account completely to stop the rip offs. 
I just ask your Bureau assistance to get the bottom it and get my money back. And also to be an example of such kind of victim of fraud to others. I seek all necessary technical assistance, followups and help what to do, where to begin with, how I could provide with you confidentially all necessary documents and information 's. 
Sincerely your help seeker ; Thank you, May XXXX Bless America!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: AR
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:
I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX  XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX  XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$330.00}

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 2017-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently opened a new checking account with Bank of America and the application was approved on the XXXX. I updated my employer direct deposit information with this new accounf information. Bank of America proceeds to close my account, with no notice on thursday. I had to call in thursday evening to find out that my account was closed and was not provided with any information. The only reason I found out was that I got a low balance notice, I logged in and checked my balance was XXXX and there was a pending {$25.00} debit. When speaking with a customer service rep I was transferred to XXXX and told my account was closed. When I found this out I checked to see if could change my direct deposit information back to the old account I had and it was too late to do this. So will be without my paycheck for at least a week while I wait for Bank of America to reject the direct deposit and my employer to receive the refunds and redistribute them to me, this is a horrible inconvenience since I 'm relying on that paycheck to take care of my rent and bills due on the first of the month.

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 2016-11-29
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Issue : Payment Status Details : Claim filed with government for insured portion of balance on loan on XX/XX/XXXX The date is incorrect. It should be : XX/XX/XXXX not XX/XX/XXXX 

Details : All NELNET accounts contain some kind of errors above are XXXX simple ones. ( see attached document ) After multiple disputes with all XXXX credit report agencies, NELNET keeps updating my credit report with a new current date as the date a " claim filed with government for insured portion of balance on loan '' which is not true. I had {$0.00} XXXX XXXX XXXX balance on these accounts since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I previously filed a complaint against McCullough Payne and Haan, who obtained a default judgment against me per I was not notified of the court date. I spoke to the clerk of court, who confirmed the hearing information was mailed to an old address. This company has began garnishing my wages, and claimed in my previous complaint that they were waiting for the judge 's decision regarding my motion to dismiss, and that they were closing my complaint in their office. This is not true because I spoke with Judge XXXX XXXX in XXXX County on XXXX XXXX, 2015 who rendered the default judgment, and she informed me that she was unaware that I opposed the judgment until I left a message with her office on XXXX XXXX 2015. I have called the lawfirm and was informed that I would need to speak with XXXX XXXX. I asked her to confirm the account number for the account in question, and she stated that it is XXXX XXXX XXXX XXXX, and that it is for an XXXX credit card. I informed her that this does not match any account that belonged to me, and informed her that I had proof, and faxed it to her. I asked her to call me to confirm receipt. I never heard from her, and she would not return my calls or voice-mail. I escalated the matter to XXXX XXXX, the collection manager, and my calls nor messages have been returned. I faxed my documentation to him as well, which was a copy of my credit report dated XXXX/XXXX/2015, which shows that the account numbers are not the same. My credit report shows a XXXX balance, and the account was closed per this credit card company was shut down by the FTC, and was forced to close all consumer accounts. Furthermore, this lawfirm improperly issued the wage garnishment. They were supposed to send the notification to me within 3 days that they notified my employer, via certified mail, which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have received notice from my student lender, Navient, that they are not receiving my payments. My payments are however automatically made from my bank account for years to the previous company, XXXX XXXX, and I have never had a problem. This issue began in the last month when my check was, for the first time, not cashed by Navient. I have tried contacting them through an online form and received no response. I tried calling them at the customer support number on their website, and the number goes into a never ending loop where an actual customer service agent never answers the phone. As I have never been late for a payment, have impeccable credit and now risk an implication on my record due to the company 's own inability to manage its clients, I am filing a complaint in an effort to expedite a resolution. My automatic payment has gone to XXXX XXXX again for my XXXX payment as per the regular monthly schedule, and I fear it will also not be collected. In the absence of a conversation with Navient I am however unable to resolve this issue and therefore require assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Credit Service International Corp
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found out i am being sued in small claims so i call there lawyer to find out about it and he some how has to have the one colling the debt call me back so tells me he is just filling claims in hope of a default

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: W.J. BRADLEY MORTGAGE CAPITAL
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have banked with Simple for over three and a half years. I 've lived at my current address for over a year and a half. After making updating my linked external accounts last week I received a support message saying " Your account has been frozen because we 're having trouble verifying you. We need to do that before we can unlock your account. 
In order to complete verification, please submit a copy of the following documents using the instructions below : - A color photo ( not scanned ) of your Social Security Card - A color photo ( not scanned ) of your unexpired Government issued Photo ID ( If your photo ID does not have your current address on it, please also include Residence Verification, for instance, a bill issued in the last 30 days. ) - The two most recent PDF bank statements downloaded directly from each of the external account ( s ) linked to Simple '' I responded to this right away and after two business days I still have had no response from the team that made the decision to freeze my account. I 've uploaded the requested identification, but the linked external accounts are new and there are no statements yet. I called customer service to ask when I would hear back and how long it might take to regain access to my account. The representative would not give any timeframe for either and said that we would just need to wait and see if the team reviewing this would " make an exception '' as I can not provide bank statements that do n't exist. And if they wo n't make an exception? My money would simply be held in limbo indefinitely? The customer service rep had no answer for that either. Now I 'm reading horror stories on Better Business Bureau and other review websites of customers who had their account frozen for months! This is criminal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have asked my bank repeatedly to remove the overdraft protection from my account. They refuse to cooperate. Each time that the overdraft protection is used, it results in a {$35.00} fee. These fees result in insufficient funds for purchased which result in more overdraft fees. The cycle keeps repeating itself. I asked them to reimburse me for the fees as I do not want the overdraft protection. They refused to reimburse me because they reimbursed me for fees in the past. Any fees that have been reimbursed to me were done so as a result of their mistakes. I live paycheck to paycheck. I am paying bank fees instead of my bills. This is ridiculous. I 'm not asking for a lot. All I 'm asking for is for the fees to be credited back to my account as they should never have been incurred. My account has a negative balance right now and there are more fees that are going to be added to that balance. I get direct deposit. The majority of my check is going to be deducted instantly to cover this negative balance. Something needs to be done.

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 2017-03-30
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I sent money {$3500.00} to XXXX to my sister XXXX XXXX through western union for my building project on XX/XX/2017, when she got to the bank to receive the transfer is was informed the money had been picked up and they ca n't even tell her which location the money was picked up at and that I the sender will have to call western union to get that information. I called western union on XX/XX/2017 and reported the issue with them and they gave me a cawe number which is XXXX and told me to call in 20 days and refere to the case number whenever I call, I waited for 10 days and called them and I was told the investigation was completed and they have documentation from the pick up location showing my sister was actually the person who picked up the money, I disputed what the agent told me and she went ahead and gave me another case number which is XXXX and told me I will be receiving a letter no later than XX/XX/XXXX and in the letter there will be copies of the said ID used in picking up the money I never received any letter I called them again on the same day XX/XX/XXXX and the agent told me the agent who told me I will be receiving a mail had misinformed me because they do n't send out letters with such information so she said she was going to put in a request for escalation of my case and that I should call back in 72 hours, I call WU today and another agent told me the case had been closed and he advised me to contact my local law enforcement which the local law enforcement told me the crime was not committed in the county of XXXX and that western union should provide me with the pick up location so we can contact the law enforcement at that location for an investigation to be conducted but western union will never provide me with the location where the money they claim was picked up at I 'm attaching copies of my receipt from sending the money and the fraud investigation case number I think this is a fraud with western union and they need to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
To whom it may concern ; Concerning the subject in the reference line, please allow me to detail the facts of which I believe that I have been a victim of trickery in the leasing of my vehicle. 

On XX/XX/XXXX I signed a leasing agreement with the XXXX Company where I purchased a vehicle with ID XXXX, model XXXX, for {$15000.00} with monthly payments of XXXX for 36 months, as stated in contract No. XXXX. 

I have received several calls from this same concessionaire and contacted by an employee of this company named XXXX, who stated I qualified to renew my lease and with this news I was motivated to renew it again. I then went to XXXX to learn more about the terms and conditions of the renewal and agreed to do so. I was told the remaining payments of the previous lease would be assumed by them. Hence I leased a new vehicle, according to contract XXXX dated XX/XX/XXXX. 

However, believing that the previous payments were made by the concessionaire in a timely manner in accordance with the express commitment made by them, with great surprise and disappointment, I answered a call from XXXX., On XX/XX/XXXX, where I am told about the delay in payments on my account and that this would affect my credit since one of the payments of the contract of Initial leasing purchased with XXXX under contract XXXX had not been made. Desperate in the face of this situation, I tried to explain to them of what was agreed with the concessionaire and that I was not responsible for such payment, since I had renewed the lease with that same concessionaire and that the debt of the previous lease would be paid by them. To that the collection agency responded that they were not aware of this, but that apparently this practice was common with this concessionaire because they already had reports of other cases similar to mine and despite the circumstances and knowledge about this dealer, they could not do anything about it, and that the only option I had was to make an immediate payment of the outstanding fee and not reported and that with the register 's receipt of cash that they gave me claim it directly from the concessionaire. 

They offered to close my case in full if I immediately paid the sum of {$300.00} instead of XXXX which was the total due on my account. They also pointed out that they were not the ones in charge of reporting to the credit bureau and that the only ones who could do so was HYUNDAI MOTOR FINACING, and that their work was only collections. 

When I realized the seriousness of the matter, the first thing I did was to make a payment in the amount that the agency told me to pay immediately so that my credit record would not be smeared and my financial rating would not lower my credit score. However, the consequences of being late in payments and not being notified on time about this situation had already been created.

Company response to consumer: Closed
Consumer complaint received 2016-06-21
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Allied interstate llc contacted me by mail trying to collect a debt that was already paid. The credit card company in question went bankrupt and was sued for bad business practices. The card was a secured card. When the account was closed the security deposit was used to pay the debt but they would hold closing the account for 2 months and let it incur fees then close the account later. XXXX was put out of business for those practices.

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 2017-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife and i went to Bank of America on Saturday durring regular business hours and they refused to close my accounts because i didnt have an appointment. There were tellers available and no reason for this to not be done aside from their desire to collect fees. The manager and teller were extremely rude about this. Managers name is XXXX XXXX and had an appalling attitude and disgusting service level.

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