BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, XXXX XXXX XXXX XXXX XXXX sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, XXXX XXXX XXXX XXXX XXXX did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights under 15 USC 1681 have been violated by Experian. I made several attempts in the past to remind you of your duty pursuant 15 USC 1681 & 15 USC 1681e ( b ). You are intentionally and willfully being neglectful in remedying my affairs. I am due & promised accuracy in my report based on federal law. I also have the right to privacy and I did not give Experian written permissions to furnish these accounts :. XXXX XXXX XXXX, Account number : XXXX. XXXX XXXX XXXX, Account number : XXXX. XXXX XXXX XXXX, Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I filed a mortgage modification for my first mortgage. As my loan transferred from XXXX XXXX to Chase Bank for servicing, I was advised by the modification department of Chase Bank not to make any payments while the loan was going through the modification process. I was very uncomfortable with this arrangement, especially after receiving multiple letters concerning possible foreclosure. I called the modification each time I received XXXX of these letters. Throughout the three year process, I was contacted fairly frequently by many modification agents to have the information packet updated but ALL told me to save the money and not to make any payments until a decision was made. Whenever, I found an agent who would accept the payment, I made multiple payments. 

Since my I received the denial of mortgage modification in XX/XX/XXXX, I began making timely payments. In an effort to refinance my mortgage, I have asked Chase Bank to remove all the late payments from my credit report since they told me not to make any payments during the modification process. I have made this request repeatedly over the past three years. To-date Chase Bank continues to report that they have no agents that were telling consumers not to make payments during the modification process. I asked them to research the fact that I was probably late on my mortgage once before and after the modification process. I have also reported this problem to XXXX XXXX the owner of the loan but to date there has not been any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Colony Brands, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a pair of shoes from the merchant through a mail ordr catalog, Midnight Velvet ) a subsidiary of The Swiss Colony. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was dual-tracked and sold at a foreclosure sale in Georgia on XXXX XXXX 2015 even though a modification application was in review. 
My previous CFPB Case # XXXX detailed overview of events just prior to and immediately following the foreclosure sale will be attached for reference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX, 2014 we received a loan modification on our residential mortgage from Specialized Loan Servicing , Inc., agent for XXXX XXXX XXXX, XXXX. During the modification process we were assured we would be able to refinance our mortgage after the modification to current market value and thereby get out of being " underwater '' by {$85000.00}. After repeated attempts to contact SLS we were told they do n't refinance mortgages. This is contrary to what we were lead to believe, and does not help us regain solvency as promised by SLS. We now have a mortgage of {$300000.00} and a property valued at {$200000.00}. This is hardly helpful and is little more than a sand pit that never gets emptied because the interest ( sand ) keeps filling the void. I am XXXX and do not have any earned income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I fell behind on my monthly lease payments. My vehicle was taken by the bank. 
I called to reinstate and was told that I did not have that option because my payment history was not good. I was told that I would be obligated to pay {$36000.00} by XXXX/XXXX/16 in order to get my vehicle back. I inquired whether or not I could pay the cost of the remaining months on my lease rather than the entire cost of the car. 
I was told that paying the remaining payments under my lease term was not an option. 
I must pay the {$36000.00}. My credit report only indicates that I am obligated to pay the balance of the lease it does not state {$36000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Saturday ( XX/XX/22 ) I engaged in a conversation, through XXXX XXXX, with a XXXX XXXX XXXX. XXXX XXXX agreed to sell me 3 tickets to a football game for {$450.00}. After agreeing with her, I sent the agreed upon amount, from my Chase account ( through XXXX ) to her. Upon receiving the money, the other party failed to respond to messages and never sent the agreed upon tickets. I asked her to please return the money several times and she never responded. Immediately following this interaction I called Chase to let them know what had happened and they told me they would start and investigation, but that because this happened through XXXX that they probably would not be able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We have had for a number of years a Visa XXXX XXXX Chase XXXX XXXX card. We are not and have never been delinquent. Our card was cancelled without notice to us. We have spent countless hours and talked to no less XXXX different people at Chase/ Visa all of whom say they have no idea why the card was cancelled, they do not know anything and we should call some one else.The most aggravating run-around you could imagine. This is causing us -- seniors -- great trouble with our vendors, but the greatest frustration is Visa/ Chase XXXX who never notified us in the first place and now repeatedly ignores us when all we want to know is why they cancelled our card?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an checking and savings account with Chase bank last week, This Monday I called and closed the account because the funds transferred from my XXXX mastercard/atm card was taking to long to appear on my accounts, I called Wednesday to check the status of my money being returned from Chase bank to my XXXX bank account ( where the original funds came from ) and they state they cant find my {$50.00}. It is mandatory you deposit {$25.00} to open an each account ( checking and savings ). I have called Chase and my bank XXXX to try to resolve this issue because it is causing me financial hardship, either bank will confess to the error or fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04
Company: JPMORGAN CHASE & CO.
State: KY
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 was enrolled in the XXXX XXXX in 2007 at XXXX University. 
I was getting student loans to cover my living expenses, and at mid-term i did n't have the passing score that they required, but was n't aware that i had to have a perfect score at midterm. It was the only program in XXXX that required that. They did not let me return and finish the rest of the semester, so they kept my tuition for the rest of the semester. I could not sign up for other classes because it was in the middle of the semester. i went through the process again the following year with yet the same results. I lost my student loan tuition and got behind on living expenses and had to file bankruptcy. Since that period of time they have now reconstructed the program and does NOT require a perfect score at mid-term. Under my financial conditions, there is no way I can pay any amount. This is the Chase account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opted out of " debit card coverage '' from Chase when I opened my account. As of today, it is still listed as " off '' in my dashboard. This meant that I did not authorize Chase to overdraft my account for any reason. As listed in the description of the debit card coverage program, I should not be charged insufficient funds fees. This week, I was charged for XXXX insufficient funds fees. I tried to get the removed, providing them an explanation as to what happened with my card and asking for a little leniency since it 's around the holidays and money is tight for everyone. They said they would not remove them ( as this had happened once before in XX/XX/XXXX, and they removed the charges then ). I then remembered that my account was n't supposed to be overdrafted ever, and realized they were refusing to take fees off that they are n't supposed to charge me in the first place. I 've put in a request to have them removed again, reminding them that my debit card coverage is set to off, and have not heard back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank keeps charging me fees of {$34.00} and it is becoming too much, if the money is not there they should just bounce the check, or take it from another account as I thought that is what we agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Credit Systems of the Fox Valley, Inc.
State: WI
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:
Was charged for installed equipment on garage door that I never requested. In fact, on the bill from XXXX XXXX XXXX XXXX XXXX, company acknowledges that I did not call them to do the work and that it was instead a person who lived " next door '' who summoned the company to fix the door. This debt is now being sent to a collection agency even though I never requested the services in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: DISCOVER BANK
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My DISCOVER credit card account was closed by the company on XXXX XXXX without given any reason. I have remained good credit score and never had any late payment since I got the card on XXXX. 

DISCOVER has promoted its credit card by promising high cash back on purchasing, however they never give any itemized summery on the cash back credit along with every purchase, so it is extremely difficult to keep track of those credits. There were several times when I make purchase using the affiliate link on DISCOVER website but only end up receive XXXX cash back on the statement ( since they do n't provide any record for those purchase and cash back credit, I have no proof to show ). And now that my account was closed, the cash back credit I received earlier was all gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a Wells Fargo customer, and have been for about 9 years. Wells has been charging me excessive overdraft fees for years. They will hold my and my wife 's direct deposit and run debts through first, so they can charge me fees. They say that this is their policy.They will also manipulate debt card transactions so that those will go through first, then they will process a electronic draft, like a car payment, that is pending, to bring my account balance down. They will also post a draft as pending then take it completely off, then they will bring it back showing pending a day later. So that they can charge more fees.

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 2016-06-09
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I was called at XXXX two days in a row and woken up because of it. The third day I asked XXXX XXXX from Navy Federal not to call before XXXX any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Rochester Home Equity, Inc
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We contacted Rochester Home Mortgage regarding a refinance after viewing an advertisement they placed. It turns out that the company purely induces people to submit documents and charges a " nonrefundable '' charge. There is no one at the company, they all " disappear '' when trying to further the process. They scam people buy charging the credit cards without intention of doing anything further with an application. They lie repeatedly and there is no actual business conducted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in an active dispute with Wells Fargo and they have locked me out of my account so I can not make my monthly payment forcing me to go over the 90 days down.

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 2016-11-01
Company: Navient Solutions, LLC.
State: MA
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 am trying to pay down my private student loans as quickly as possible. I take advantage of auto pay and set a higher amount to be deducted than what 's due each month so I can apply the extra payments toward the principal balance. However, after I set these amounts, XXXX XXXX/Navient continues to lower the monthly amount automatically deducted, without any notification. Every few months I have to call and make a request that the original amounts of my auto pay be reset. After many months of this pattern ( I have detailed notes going back to XX/XX/XXXX ), it is clear to me that Navient is reducing the auto pay amount so that less is applied toward the principal balance, therefore extending my payment length and they ultimately earn more money off of my interest rate. The differences between the set auto pay amount and what Navient actually deducts differ greatly. For example : On XX/XX/2016 I requested that my monthly auto pay amount for XXXX loan be {$500.00}. Now several months, Navient has the XX/XX/XXXX monthly auto pay set to deduct only {$380.00}, a difference of over {$100.00}. This unauthorized change to the auto pay amount elongates my loan payment period from 1 yr, 1 mths to 1 yr, 5 mths. This is happening on all XXXX of my private loans. Navient has not provided a sufficient explanation on why this amount keeps reducing. They are making it harder for me to pay off my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Navient Solutions, LLC.
State: CA
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 had submitted a previous complaint just last week regarding Navient Private Student Loan. I had complained about an employee who was rude and would n't help us with our situation to extend the Rate Reduction Program. 
I received a call back a few days later from another gentleman ( XXXX ) who said that he was going to request the extension and would call me back on Monday XXXX XXXX. I asked for his name and contact information, but he would only give me his first name. I contacted Navient today, Tuesday XXXX XXXX because I did not receive a call back from XXXX who said he would call me back. I was told that they denied my Rate Reduction. 
XXXX called me back after my complaint last week and he did not go over anything with me regarding our financial situation. I felt rushed off the phone and gaffed off so basically he did nothing for us and was a huge waste of time. I spoke to a supervisor named XXXX XXXX who gave me his employee ID unlike XXXX who did not. I asked if I could be transferred to the department where XXXX worked. He stated that they could n't transfer calls to that department. Well I could only imagine why since I 'm sure they have numerous complaints from the public. Where is the accountability at Navient? 
Currently our balance is {$48000.00} and our interest rate is a ridiculous 9.75 percent. We will never pay this loan off in our lifetime. When Navient went over our budget, I could n't include all of our expenses because they do n't allow pet food or vehicle registration, car maintenance or anything other then bare essentials. This is a nightmare for my family. Our payment was {$230.00} on the Rate Reduction Plan which had been increased from the year prior. We were under the impression that they would continue to increase the payment slowly until we could afford the regular payment plan, but instead they want us to pay over {$400.00} in payments each month with a high interest rate. We are decent hardworking people and all we are asking for is help. We have paid our payments faithfully each month. This is cruel to treat people this way. I only see these large corporations as XXXX, greedy and with a lack of compassion. We feel like slaves who are trapped in debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: CL Holdings LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I have a loan modification thru Bank of America. The loan gradually increases in ( ARM ) until it is supposed to cap out at 4.5 % per the original loan documents. I have contact BofA numerous times, they are now sending me documents saying that the loan caps at 5 %. I have called them and asked them to correct this. They say I am right, it will cap out at 4.5 %, but yet they continue to send me documents and charge me amounts different than what my loan documents say my principal and interest is.

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 2016-05-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to get a loan modification with Chase Bank since XXXX XXXX, XXXX. We asked for a loan modification and a reduction in principal since we have been paying a interest only payment from XX/XX/XXXX through XX/XX/XXXX. They would not work us at all, however in XXXX Washington Mutual who was the original lender assigned the deed to Chase even though Washington Mutual went out of business in XX/XX/XXXX. We are asking for a reduction in principal and forgiveness as we can not afford the payments on this XXXX mortgage / heloc. We are asking for relief and help in this case.

Company response to consumer: Closed with explanation