BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Avant Holding Company, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022, I looked at my account and Avant credit card company had dropped my limit from XXXX to XXXX for no reason. I recently made a payment on my account for over XXXX. I never been over my limit or missed a payment. I know someone else that this recently happened to. She had XXXX and they dropped her to XXXX for now reason at all. And she had just paid her card completely off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went car shopping and got a preapproval from XXXX XXXX XXXX XXXX. The lady that helped me at XXXX XXXX XXXX in XXXX, CA insisted on running the credit again on their end and ran it 3 more times that same day. 

She said it would count as 1, but I have 4 hard inquiries that day. 

To top it off, they didn't even have the vehicle in stock that I wanted. They lured me in saying they had it in the back only to come back and say they had sold it, after running the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Denied repayment plan. Instead was put on forbearance and was not told when it was over. Naviant is my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Turning Point Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Initial Filing XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX of XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Info Due XXXX XXXX XXXX XXXX XXXX XXXX  WHICH WILL DO BUSINESS IN CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Contacted By a XXXX XXXX XXXX  and Manager XXXX XXXX  XXXX, Regarding a Build XXXX XXXX upon Accepting the Call XXXX in California, I requested the Business License Information from the Manager, was told He can Do Whatever He Wants, including but not Limited to Filing a Harrassment Lawsuit against Me, for Requesting Information on this Debt. 

Advance Capital Solutions , Inc., XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ohio XXXX XXXX XXXX XXXX Ordered to Shut Up and Listen by Both identified Parties, calling From ( XXXX ) XXXX, upon Due Diligence it appears Advance Capital Solutions, IncXXXX XXXX XXXX  XXXX File # XXXX ) is not Authorized to Conduct Business in the State of California, and Is Violating the Consumer Fair Debt Collections Practices Act, Federal Law or State Laws in the Verification of this Debt. 

Furthermore, I am Seeking Financial Compensation for the Threats, Harrassment and other Miscellaneous Violations of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Prosper Marketplace, Inc.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I submitted an online loan application on XXXX/XXXX/XXXX. After loading my bank account information for the loan proceeds and monthly payments, I could no longer access my account and finalize the loan terms. Repeated calls and email exchanges with their client services and VOC Manager XXXX XXXX resulted in no resolution. XXXX XXXX and the client services team constantly contradicted each other as to the cause of the issue. I was informed by client services that I had created XXXX accounts, # XXXX and # XXXX. The latter account is not mine, and I repeatedly told both XXXX XXXX and the client services team it was not. The latter account was even created with an email address that is clearly not mine. The email address contains the domain of a company I did n't even know existed, and currently operates out of the state of Tennessee. The most disturbing detail stated on the response by their client services on XXXX/XXXX/XXXX is my social security number is listed on the account that is not mine ( the email from client services is being accompanied with this complaint ). I informed client services and XXXX XXXX to delete all of my personal information as I would not conduct any business with them since they can not guarantee the would not conduct any business with them since they can not guarantee the confidentiality and safekeeping of my personal information. Surprisingly, I received an email from Prosper on XXXX/XXXX/XXXX stating their Privacy Policy XXXX. Clearly, my personal information has not been removed from their files. I am concerned about the possible access and or distribution of my personal information, as they did not perform their duty to keep it confidential from what I can see at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 I entered the bank at XXXX XXXX XXXX, XXXX, TN XXXX to deposit {$5000.00} in cash that I had withdrawn from my personal account at XXXX  XXXX XXXX. I ensured that I had the receipt b/c on several other occasions First Horizon has refused to take a deposit from my husband for a dividend check from his mom of {$21.00}. Interestingly, my husband has been a client for this bank for over 40 years and his mom for over 60 years as well my husband has approx. $ XXXX so what is the risk. Today, however I attempted to deposit $ XXXX cash into a joint savings account with my husband and was asked for my SSN and where I worked. I did not throw a fit mostly b/c the teller was just doing her job but this bank seems to go over and beyond what would be considered legal. I am concerned that these decisions are racially motivated except for the fact that some of these policies are being enforced by people of XXXX. Enough with this bank!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company by certified mail 30 days ago requesting proof of debt belonging to me, contract bearing my signature and have received nothing from this company. I called and spoke with them over the phone, and they stated my requested needed to be done in writing which I did, and nothing was done or sent out. This company is past the alotted time by the fair credit reporting act and either needs to submit proof or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
For years me and my parents have been battling with XXXX XXXX. Sine I graduated college XX/XX/2010 its been a downhill mess. From coming out of college into a mess of a economy ( took me years to get a job in my field and make decent money ) to crippling credit scores that damages my future to own a house, car, starting a family, etc. When I graduated I could not afford the payments for all of my loans every month. Multiple phones calls to help and barely ever got answers or just taken advantage of because I did n't understand. Help was forbearance, which ended in still not being able to afford payment when over, and a whole bunch on interest added to my loan that I already could n't afford. XXXX loans went into default and passed around to collection agency 's before they garnished my fathers wages. Now those loans are in " charge off '' but Navient still reports every month to credit bureaus that they are past due and late payments. Then on another loan its nearly double the amount that was originally borrowed and interest rate sky rocketed. My monthly payment on that loan only pays interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Here is how it went down. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00} credit {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: MI
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 signed up for a private student loan for Chase Bank at the age of XXXX to cover my education expenses. Of course at that age I was extremely naive to the drawbacks of a private student loan. Years latter I received a call from Chase Bank telling me that the loan totaling {$21000.00} was due in full immediately. The gentleman I spoke to was extremely rude and told me that there was no way to pay the loan back in installments or a payment arrangement. He told me that the only way I could resolve this matter is by somehow coming up with the full sum of the loan and pay it back immediately. I found this odd because I am still in school and was under the assumption that the loan would be payed back upon graduation and through a payment arrangement like a traditional student loan. Now the loan has defaulted on my credit report, ruining my hopes of establishing credit and owning a home. If Chase Bank would be willing to negotiate some type of terms I would be more the willing to start paying back what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I started experiencing some difficulties using my Chase United Mileage Plus credit card. I called Chase and the response was that their affiliates decided to end relationships with me. This happened to be years ago with my chase checking and savings account. While on vacation my cards no longer worked and when I called chase, I received this very same response. This time I 'm furious. I was approved for a credit card through Chase, thinking whatever mistake they 've made in the past was just a mistake. Excited about using Chase again, I 've spent XXXX of dollars using my new credit card, I 've spent money for the benefit of obtaining extra bonus miles, now my account is closed without being notified, and my mileage is no where to be found. Please help me understand what 's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have our mortgage through Chase. We also have it paid by automatic deposit from our bank, XXXX XXXX. We received a late payment notice. When I called to ask what this was all about, they said that they paid our taxes because my county called them and said that we did n't pay our taxes. I had paid our taxes. When I called the county, they checked and confirmed that my check never made it to their office. BUT ... they also said that they NEVER call mortgage companies regarding a month or two late payment. They do n't consider it delinquent until 5 years have passed. So, unbeknownst to us, Chase lied to us and said that they were asked to pay our taxes which put us into escrow. We never received a letter from Chase or a phone call with information that we had been escrowed. When speaking with a representative she apologized for not informing us. So, the dollar amount being paid automatically was not enough to cover the mortgage plus the escrow, making us appear to have late payments. I, not even knowing what an escrow is at the time, had a million questions. This representative said that if we paid our escrow in full, it would get rid of it and basically back to normal again. We waited for our tax statement to come in the mail and when it did n't I called the county. They said it was still in escrow with Chase. We had no idea what was going on. For 6 years this has been going on! We have paid our escrow off 2 or 3 times and are still being escrowed. We just received an explanation on Friday that even though you pay off your escrow, you are still in escrow? I have talked to more representatives than I can count receiving different information each time. I have been given wrong numbers to call, out of service numbers to call, etc ... when we explained our dilemma with a representative explaining to him that this needs to be cleared up, he encouraged us to refinance and that Chase will understand our history and see us as delinquent. We did just that and received a letter that our credit was not good with Chase and that we can not refinance. We are desperate to have this resolved. I have contacted the Minnesota Attorney General 's Office as well as the Office of the Comptroller of the Currency. We are paying an astronomical interest rate and have been for 6 years. Thank you so much for your time. There are so many more details to this situation but not enough room to share it all. Chase has never cared whether or not we understand what is going on. My questions are never fully answered and I literally have not spoken with the same representative twice, which involves repeating my 6 year long story to each and every one of them only to be told how much we owe. No one is taking responsibility for the XXXX up, we just keep getting deeper and deeper in the hole. I really hope you can help us. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Received a check for {$1000.00} in XX/XX/XXXX for my security deposit from a property management company. I mobile deposited the check in XX/XX/XXXX and the money was put into my savings account. About six months later in XX/XX/XXXX, my savings account showed a withdrawal of {$1000.00}. After calling the bank to find out more, they referred me to a bank branch for an answer. They said that someone intercepted or copied the check ( same check with same numbers -- different signatures! ) and that it was mobile deposited before my deposit occurred. 
The bank ( TD bank ) told me to file a claim with them and then to file a claim with the bank of the original check ( XXXXXXXX XXXX ). I followed their lead, but after 120 days of waiting for a response, there has been no response from XXXX XXXX TD bank says they can't give me my money back without an acceptance from XXXXXXXX XXXX. TD bank was responsible for the check being deposited both illegally and legally Two times! The funds should be replenished to my account. 
It is obvious that I am the rightful owner of the check and the funds but the banks are not safeguarding my funds. It's not my job to chase around funds that the bank was incapable of protecting. I realize it's a small {$1000.00} but I am a hard-working individual trying to pay off college debt and pay off my own bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: National Credit Systems,Inc.
State: NC
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:
National Credit Services is showing on my XXXX Report that I still owe {$440.00} to XXXX XXXX. There was a separate negative account showing on my Credit Report XXXX XXXX that controls XXXX XXXX that was satisfied and dismissed thru XXXX County Magistrate Office File number XXXX I contacted National Credit Services that this collection they are attempting to collect was dismissed and satisfied from XXXX County Court They have refused to verify and remove from my credit report they keep saying it is my responsibility to prove my case I believe I have done so with the report number being given to them and with XXXX credit bureau XXXX did nothing but remove XXXX XXXX Courts showing the account was satisfied that collection was showing XXXX XXXX and the National Credit Service shows XXXX XXXX -- - They are both the same company This collection is having negative effects on me I have proven my case but no one wants to remove this my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
They sent me a notice in XXXX, 2015 that said that they were increasing my principal balance by {$1700.00} because the amount transferred to them was wrong. No further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted on behalf of Chase Bank by XXXX XXXX XXXX to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to Chase Bank and not XXXX XXXX XXXX. I had XXXX specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of XXXX XXXX XXXX '. I still have not received confirmation from Chase that my balance was settled and paid in full with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This is a direct complaint about the Chase Mortgage team in XXXX XXXX XXXX, XXXX California, led by XXXX XXXX. Loan Officer : XXXX XXXX Chase failed to properly qualify my buyers who initially applied through the VA Mortgage program. More than halfway through the loan application process, the underwriters decided to reject the loan ( allegedly due to regulation changes by the VA ) while we were a couple weeks away from the close of escrow. Buyers had to re-apply for a conventional loan and redo another appraisal on the property. Delays after delays with no updates to the buyer 's agent and not returning calls / text / email from my listing agent. Took me to reach out XXXX to get some updates on the progress of the loan. Furthermore, the underwriters have been dragging their feet on the approvals and nobody has been communicative or transparent about status, despite stating that the loan is marked for " rush ''. It 's unheard of for a government agency to not grandfather in loans that are in progress when there are regulatory changes. Seems very much like Chase is trying to cover their tracks with this error. Their lack of transparency to the issue and timelines have made this experience terribly difficult for all parties involved. This is unacceptable on all levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I mailed payment in time as soon as I got the statement JPM Chase claims to have gotten it 5 days late now there charging XXXX dollars in fees for XXXX dollars and claiming frauadently they got it late.this not fair this is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Platinum Holdings Group, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The person in the name of XXXX XXXX said he was from XXXX called and advised they are trying to serve me papers at work. Then I asked what for and he refused to give me information about the debt. Then he told me they were going to serve me with papers at work. I told him to stop calling my boss and they said they can call whoever they want. My boss told me she was getting HR involved. I could lose my job over something that is unsubstantiated. Plus, they are giving out my personal information which is in violation of the privacy act. 
Their phone number is XXXX and his name is XXXX XXXX. He is very nasty and threatens me a lot.

Company response to consumer: Closed with explanation