BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage loan with chase that was originally XXXX of the toxic loans from Washington Mutual. I applied for a loan modification from Chase XXXX times. The last time, I started the process in XXXX, the Customer Assistance Specialist kept asking me for more and more papers, and never sent anything to underwriting, finally at the end of XXXX, they sent it to underwriting and the loan was sold to XXXX. It appears a decision was about to be made and everything stop ... Chase told me that XXXX would continue with the information Chase had given them, but that is not true ... I was told by XXXX that I would have to start all over and provide all information again. 
Chase never notified me of the sale and the Customer Assistance Specialist did n't know that the loan was sold. When I called Chase today they gave me the info. 
I feel that a decision would have been reached by Chaseif all my info had been sent to underwriting in a timely mannner and the Customer Assistance Specialist was negligent in getting my info to them. She just kept delaying and delaying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
This is a written dispute regarding a previous credit card and private school account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. I had previously contacted the company directly without success, as well as having reported this exact complaint to XXXX but no action was performed. 

Chase Bank USA : 30 days past due in XXXX 2012. This was a standard credit card account through XXXX XXXX. I was scheduled to receive electronic statements monthly ; unfortunately, I would not receive the emails as scheduled, having happened multiple times while my account was active. I spoke with customer service regarding this on multiple occasions, having been assured any glitch was rectified, of course them deferring the blame to me for simply disregarding the email or not be responsible, which I then argued to review my history of payments. Upon realizing I was overdue, I immediately paid the total charges, in turn they reimbursed me the {$25.00} late fee. I have copies of the XXXX and XXXX statements representing this. I have since closed the account due to not wanting to deal with what I believe is deliberate maneuvering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: Square Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Cash app is my issue..I went to pay for a product for XXXX/on XXXX XXXX ( like a money transfer person to person ) my funds were refunded acc locked for unusal activity? I had sent this person more money before..I can't get no customer support.All my money is on this locked account I just need it unlocked

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Webcollex, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called CKS financial. I also had not heard of the company they claimed to have received my file from, XXXX XXXX XXXX. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.

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
Consumer complaint received 2016-08-10
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card
Issue: Payoff process

Complaint:
Off and on for a few years now, I have attempted to set up auto payments on my Chase Visa card. The only options they give for autopay ( and I keep checking back to see if it 's changed ) is either the minimum amount ( a bad idea, as shown on my statement ) or the full balance ( which I ca n't pay ). All my other credit cards have allowed me to choose the amount of the autopayment. Therefore, with my Chase Visa card I have been working to manually pay about twice the minimum each month, but the window to pay is so narrow that I have incurred lots of late fees and my interest rate has now risen to 27.49 %. I think this is an unfair practice designed to fleece consumers, and I would like the CFPB to put a stop to it, and I would like my late fees credited back to my account and my interest rate to be lowered to something reasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: Business & Professional Collection Service Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Business & Professional collection services is reporting XXXX accts which I paid & they agreed to remove from my credit when they accounts were paid. I 've contacted all XXXX of the bureaus and XXXX has removed the accounts. XXXX & XXXX however are still reflected as a current collection on my credit report. I know this is a violation of the FCRA especially when the company agreed to remove it when it was paid. I 've tried contacting them through normal mail, phone & the bureaus but they are ignoring my requests. Can you please assist me in getting these XXXX accounts removed from my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: JPMORGAN CHASE & CO.
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car was repossessed on XXXX/XXXX/2016 by Chase Bank. I called on XXXX/XXXX/2016 to pay the delinquent amount immediately. I was told the full balance of the loan would need to be paid not just the delinquent payments. I did not receive a notice of acceleration prior to them taking my car. I have received a notice of sale that will take place XXXX/XXXX/2016. I am a XXXX XXXX XXXX currently unemployed and in search of job. After speaking with several representatives from Chase Bank ( I have the names and id numbers ) and begging to make the payments I was refused. I have never defaulted on a loan. I believe this to be discrimination because of my place of residence and the fact that there is equity in the car ( over {$5000.00} ) that I may also lose. Please help I just want to be treated fairly, and not have my car stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hi I sent {$3700.00} to my son by using the pay bill online service of the Citizens Bank. The money was cashed by somebody else. The Bank refuses to refund my money and claims that the check that was sent to my son was altered by somebody who scanned and cashed it in XXXX What recourse I have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I took out two loans with XXXX back in XXXX when I attended XXXX Community College in XXXX, FL. I am XXXX school now and suddenly these loans have come into repayment. I called Navient, and they told me that I 've run out of time to not make payments and must make take a forebearance, pay {$100.00} to clear the past due and now start making payments each month. I paid {$150.00} for XX/XX/XXXX and now they say I owe {$160.00} for XX/XX/XXXX. 

I looked at the loan information and it says that the loans were disbursed XX/XX/XXXX and XX/XX/XXXX, both of which is a lie. I was attending the XXXX in XXXX and was taking federal loans at that time, so no private loan would have have been needed. 

Further more, when I talked to their customer service, they said I had no income based plans available to me and must start making payments immediately, even though I am still in school. Then I see that the government is suing Navient for misleading it 's customers so I 'm filing this official complaint to see what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was past due 30 days with Bank of America on my credit card due to a hardship. 
I enter in to hardship program and I made a payment on XXXX the representative advice me that I wont get any late fees and that they wont report me to the credit Bureaus as late. To this date I am being reported to the credit bureaus and it is affecting my credit worthiness. I am a single parent trying to catch up and be responsible with my payments and this is affecting me moral and financially. They claim that they never said that and that it would be their decision if they want to do that. I called several times before just to make sure about the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
There are discrepancies on my credit report. There are open loans and credit cards that I didnt apply for. Im also having issues getting loans and credit cards. I recently applied for a credit card and a personal loan from XXXX but it wasnt approved. This happened about a week and a half ago. I want to be able to get a loan and a credit card. I want the discrepancies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: GA
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 recently submitted my investigation request about this auto loan with XXXX XXXX XXXX and the credit bureaus. I also have court documents proving that this account does not belong to me. Do not close this complaint without sending my complaint to the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a 60 month term loan, accelerated payments to 48 months in order to payoff loan. Now lender refuses to provide accurate payoff amount based upon payments and date ( s ) received. I wish to clear off the loan, receiver car title and close account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, Chrysler Capital, also doing business as Santander Consumer USA, a subprime lender for auto loans, financed {$26000.00} for a vehicle I purchased. The contract is for 72 months with a 22 % APR and {$670.00} a month loan payment. An APR of 22 % incurs a daily rate of about {$15.00} which means I 'm paying {$470.00} in interest and {$200.00} to the principal balance every month. The more the loan balance is paid down, the amount of interest incurred and/or owed lessens. My goal is to make extra payments or XXXX pay the required loan payment, which would quickly lessen the balance owed to the lender and the amount of interest incurred for the entire life of the loan. Also, refinancing the loan was the next step after about six months of payments. Chrysler Capital does not provide their loan customers with any receipt or confirmation of payment nor is there any notification by email of payment posting to the loan account. Chrysler Capital only provides their loan customers with monthly account and billing statements .And because of this odd, shady practice of Chrysler Capital , I frequent my online user account to see up to date activity, which is not included in monthly statements, to make sure that errors, like the matter at hand, do n't occur. A little while after becoming a loan customer of Chrysler Capital, I went online to get some background on them and discovered many unfavorable reviews and stories of suspected illegal and shady practices by current and past customers, which put me on the alert with my account with them. And the matter at hand regarding Chrysler Capital is a loan payment error on their part and not my own. Earlier this month of XXXX 2015, I made XXXX separate payments to Chrysler Capital for my loan in the amounts of {$280.00} and {$300.00} on their website powered by XXXX XXXX XXXX with a {$2.00} service fee per payment required. On XXXX XXXX,2015, when logging into the online user account, I could see that the XXXX payments had posted and were applied appropriately to the principal balance since all of the compounded daily interest incurred had been paid with previous payments. On Saturday afternoon, XXXX XXXX, 2015, for some odd reason, I logged in to the online user account and saw that both of the payments had been removed as a credit to the principal balance reducing or lessening the total amount owed by {$580.00} and applied as a negative, adding on to the total amount owed {$580.00}, increasing the balance. I contacted Chrysler Capital XXXX different times to correct the error and spoke with an agent and was put on hold for over XXXX minutes and the call would disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer U.S.A. repossessed my car due to non-payment. That is not the issue. They have my home phone number, as well as my cell phone number, to reach me. They have contacted my parents, who were not on the loan and were not listed as references on any of my paperwork for the car loan. They told my mother that my car was repossessed and that they are attempting to reach me to pay off the balance of the loan. They never had my permission to tell my parents about anything concerning my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Community Health Investment Company, LLC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Professional Account Services keeps calling me and will not even tell me why. I know they are a debt collector for medical bills. I do not have any medical bills. They call and have asked for my social security number to identify myself, even though they called me! When I refuse, they then ask for my birthdate - which I wont give them either since I wo n't give any personal information to a stranger on the phone who wo n't say why they are calling. I 've asked them to send something in the mail and I will respond if it is legitimate, maybe a doctor I 've seen. But after a month of my requesting this, they do not send anything stating if I even have a debt. This company has the power to ruin my credit if they are really trying to collect a debt ( there is n't XXXX ), or even if it is a mistake. This seems a wholly illegal way to handle this. they call from 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 explanation
Consumer complaint received 2016-06-01
Company: Van Ru Credit Corporation
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The company offered me a settlement and allowed me to make payments on the settlement thru my garnishment. At the end of my garnishment the company begins to tell me that I was to have made a voluntary payment without the garnishment. The settlement letter did n't include this nor did the representative explain this when she put me on the settlement. Now that I 'm at the end of my arrangement and met the before the deadline. The company is telling me that I should 've made a voluntary payment. I 'm very upset about this I 'm trying to resolve my debts and need them done in the correct manor following all consumer laws

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 2015-08-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am currently doing a XXXX and have private student loans. However the company american educating services part of the XXXX higher education assistance agency 's veg continually denied my claims for forbearance or deferment. They keep bouncing me back and forth for months on end racking up late fees and payments I can not afford. 

I 'd like to complain about two aspects of my loan unable to get deferment while in a XXXX and school because they say my loans do n't qualify for that and their consumer interface which makes it Impossible to talk to anyone of use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A fraudulent account was opened online in my name. Suntrust Bank was notified that it was opened and it was not me who opened the account. They " said '' they reported it to their fraud team for review and I would hear something within 24 hours or by closing time the next business day. I went to a branch of the bank to try and get help and my accounts were totally blocked. I spent 1 hour at a branch verifying my identity and I was told that only someone from the fraud team could unlock my accounts. I received no phone call from the fraud team within the 24 hours, so i called them. The fraud team at XXXX told me that they can not unlock my account, it has to be done in a branch. I STILL DO NOT HAVE ACCESS TO MY MONEY!

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 2022-10-01
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX XXXXXXXX XXXX 

I am uploading a case against defendants XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. and XXXX XXXX XXXX. ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named STAMPS and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but XXXX accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
American Education Services has been harassing me and my co-signers. They have given us misinformation, put a loan into default when there were timing payments being made and in general is grossly incompetent and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XX/XX/2014 I spoke to a rep @ chrysler capital, she asked me if I wanted to change my due date ... I told her I wanted to change my due date to the XXXX of each mo. This was n't done. I found out on XXXX XXXX that this had n't been done. The supervisor acknowledged to me that this was their procedure, but would have to lodge the complaint with their president 's office. I spoke to XXXX today, XXXX XXXX, she informed me that they did n't have access to the recording and I should of paid attention to my statements. I asked why there was no recording, she stated they only keep them for 30 days & did n't know why this was their policy. Her only answer was to remove my late fees but not to fix my credit.

Company response to consumer: Closed with explanation