BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-31
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I GOT APROMOTION AND IT WAS A WEBSTER BANK BONUS OF XXXX OR XXXX DOLLARS DEPENDING ON WHICH REQUIREMENTS YOU COMPLETED AND COMPLIED WITH.EXHIBITS SHOW WHAT THEY WERE AND SIMPLY ONE HAD TO OPEN ANY TYPE OF CHECKING ACCOUNT AND EITHER HAVE A DIRECT DEPOSIT, HAVE XXXX DEBIT TRANSACTIONS, OR XXXX BILL PAY FOR XXXX.IF ONE WISHED YOU COULD HAVE A FULL SECOND AVERAGE MONTHLY DEPOSIT OF XXXX FOR XXXX XXXX CARD BONUS MAILED IN 4 TO 6 WEEKS AS THE WEBSTER BANK PROMO PAGE SHOWS AS AN EXHIBIT..OR FOR THE FULL SECOND MONTH HAVE AN AVERAGE BALANCE OF XXXX AND RECEIVE AS ABOVE XXXX BONUS IN THE SAME TIMETABLE. 
I, AS MY BANK STATEMENTS SHOW, MET ALL REQUIREMENTS FOR THE XXXX BONUS BUT NEVER RECEIVED IT.TO MY SUPRISE AND SHOCK I DID RECEIVE A XXXX INTEREST STATEMENT, AS WELL AS THE IRS GETTING A COPY, THAT I GOT OVER XXXX DOLLARS IN INTEREST.I NEVER RECEIVED THAT AMOUNT, PERIOD, AND IT IS TOTALY INCORRECT AND HAS TO BE REDONE.MY TOTAL INTEREST AS MY BANK STATEMENTS SHOW WAS XXXX CENTS, PERIOD.I HAD PROBLEMS OPENING THE ACCOUNT, NOT WITH THE FIRST PERSON I TALKED TO, BUT, THE CONFUSED SECOND PERSON, AND HE FINALLY APOLOGIZED AND HIS NAME AND A RECORD OF THE SITUATION AND WORDS IS INCLUDED IN AN EXHIBIT. I BEGAN BECOMING APPREHENSIVE AT THIS POINT, BUT WAITED TO SEE WHAT WOULD OCCUR AFTER I COMPLETED ALL REQUIREMENTS, FOR THE {$250.00} BONUS WHICH WAS DUE ON XX/XX/2016. THEY STATED IT WILL BE IN 4 TO 6 WEEKS .NEVER GOT ANYTHING AND CALLED AND WAS PROMISED AN EMAIL THEY SUPPOSEDLY SENT TO FIX THE PROBLEM AND NEVER GOT THAT EMAIL AS I REQUESTED OR ANY RESPONSE AT ALL.I THEN SENT ON WEBSTER SITE, AN EMAIL THAT IS AN EXHIBIT AND WAS CONFIRMED THEY GOT IT AND STILL HAVE NOT HEARD A SINGLE SOLITARY WORD OF ANYTHING TO DO WITH THE BELATED BONUS OR THE INCORRECT XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went into Chase Bank - XXXX XXXX  XXXX Texas Branch to notify them of my mother 's death and ask them what documents they needed from me to close her accounts. I provided my social security number as Executrix of the estate. The banker not only closed my mother 's accounts, he closed my two credit cards. Now my credit report shows that I am deceased. I am unable to access credit at this point. I will not be able to access any credit until the credit reporting agencies clear this up. I have spent hours transferring the auto payments from one of the closed cards to another source of payment. I have spent hours on the phone with the estate department and other divisions of Chase trying to straighten this out. I have no idea how long this will actually take. In the mean time I can't trade in my vehicle or acquire a new cell phone because the credit reporting agencies shows me deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Atlanticus Services 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 status incorrect

Complaint:
This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls 5 to 6 times a day. day and night, with one call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.

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 2021-07-03
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a reloadable Visa Debit Card.

It was cancelled by Credit Card Company for supposed fraud.

They then tried to charge me a {$6.00} fee for a replacement card when I did not ask for the card to be cancelled!

They also tell me a new card will take 7-10days to arrive when I again did not ask for my card to be cancelled!

This is not the first time I have had issues with this card and this bank and I feel their procedures are unethical.

Please look into it. 
Card is issued by XXXX, XXXX. but disputes and such are handled by BlackHawk Networks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 I dispute fraudulent inaccurate information on my consumer report. The company failed to provide me with the method and procedure used to verify the information. Per 15 USC 1681d ( a ) ( 1 ) the reporting agency must notify me, and have failed to provide the contact made and to whom it was made to15 USC 1681d ( 4 ).

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 2016-05-15
Company: Performant Financial Corporation
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My school loan went into collections a few years ago, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. ) I was contacted numerous times by Performant Recovery , Inc. by mail, phone and even a family member who was not even listed as an alternate contact which started XX/XX/XXXX. Performant Recovery, Inc sent me a letter a week after ( XXXX sent me wage garnishment papers ) claiming to be collecting on the same exact loan ( as XXXX ) and threatening to take my federal tax return-again NO confirmation of the loan information. Performant claims it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening, or who took it. In XXXX I received wage garnishment papers from Perrformant regarding this same loan I am currently in payment arrangements with ( XXXX ), I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year. As per an alternate complaint ( Case number : XXXX ) on the other collections company ( XXXX ) XXXX XXXX, the Vice President of Corporate Compliance for XXXX XXXX XXXX XXXX XXXX stated : XXXX XXXX 's account was closed out of our office and returned to our client in XXXX XXXX. The client she is referring to is XXXX whom I already have a payment arrangement set up with.

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 2016-04-18
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
After paying {$17000.00} of a {$30000.00} student loan debt my life fell into extreme financial hardship. When I called the loan company, prior to default, explained the situation, then asked for temporary hardship deferment or any other programs that would keep me out of arrears I was told my only options were to pay or default. With no other option, I went into default. After filing bankruptcy the student loan could not be dismissed as ALL OTHER LOANS CAN. I was then suited for {$40000.00} on a {$30000.00} debt in which I had already paid {$17000.00}. I filed a complaint with the Consumer Financial Protection Bureau ( case # XXXX ). The collections agency claimed they would take {$16000.00} and directed me to speak with their attorney. The attorney hired by the collections agency who bought the debt from a company that was NOT the issuer of the loan said I have to fill out a full financial disclosure before they can consider or discuss a settlement. I sent them a disclosure. I did NOT include the name of my bank or the company I work for as they requested. The attorney said I HAVE TO disclose the name of my bank and employer or they CAN NOT consider any settlement due to incomplete information. With ALL the numbers disclosed and the attorney NOT requesting proof of numbers but names of institutions, this does NOT seem Legitimate. This is an attorney ( XXXX XXXX ) trying to bully an individual for easy garnishment information. I have not obtain council so far because it would reduce the amount of money I had to settle the debt with. I have limited resources, deportation was ordered to my husband, I may have to leave the country soon ( proof of that WAS sent to the attorney ) and I am looking of a settlement that I actually have the money to pay at once to settle the matter. Offering the entire balance of my checking account, {$8500.00} ( statement balance ) they are bullying me and refusing to talk. I have provided ample information and disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Noticed multiple accounts on my report I do not recognize

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 2016-02-23
Company: Credit Karma, LLC
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 is not mine

Complaint:
This utility bill belongs to XXXX XXXX and XXXX XXXX. They are the people that were renting this house at XXXX XXXX XXXX XXXX XXXX Ca XXXX from me. I was living at a different address paying the utilities where i was living at the time at XXXX XXXX XXXX XXXX Ca XXXX. The renters were to have changed the bill into their names, please remove this from my report and go after the people that used the utilities. 

Thank you, XXXX XXXX

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 2016-07-10
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was unemployed twice, once in XXXX and once in XXXX. I am employed now, but have crazy daycare expenses as I am a lone parent with only {$XXXX} of monthly child support. After mortgage, childcare, transport, food, and child related costs ( clothes for eg. ), there is very little left. I have written, called, provided documentation, even copying the White House, to propose an amount I can afford. and I get met with bureaucratic resistance from AES. XXXX has extended a forbearance to give me time until my son is in XXXX. AES wo n't even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: AES/PHEAA
State: NJ
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 was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Having problems with suntrust bank. Made a deposit including a check and {$500.00} in cash, have the deposit receipt. The amount was credited to the account next day. Week later theyWithdrew the {$500.00} and Said i never made the {$500.00} cash deposit. Requested to see the XXXXThe bank told me it is only for their own use. I think they are trying to cover up their mistake. How do i get my money back?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AES/PHEAA
State: CA
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:
AES is falsely reporting to the credit agency 's and refuse to correct. his has caused my credit score to stay low and I can not get housing. I am now XXXX due to their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I financed a solar system through XXXX XXXX XXXX at XXXX  XXXX XXXX ( XXXX ) in XX/XX/2021 through XXXX. I was promised by the company to receive refinancing after 1 year. After the initial year was expired, I reached out to XXXX and he sent me out a " refinance '' agreement with XXXX. I signed it for the lower interest rate that he promised to get me away from. 
Immediately after I signed the new " refinance '' agreement I started getting billed by both XXXX and XXXX. I called XXXX ( which there is an on going internal investigation ) and they informed me they don't even do refinancing. XXXX fabricated my paperwork as a new construction project, frauded XXXX, got paid, pocketed the money, and now I am paying on 2 loans. XXXX won't pay off either loan and has left me holding the bag on both. I'm on the hook for XXXX $ XXXX loans right now. I'm a XXXX XXXX  on a fixed income and I need help. 
XXXX XXXX XXXX has already done 18 months in the XXXX for XXXX XXXX and bank fraud. 
He ran XXXX XXXX in XXXX XXXX the same way, by scamming people. He is a con-man. I have 5-6 people I'm in contact with that I can give to you that also have 2 loans out. I have more people outside of that with a litany of other problems. 

I am attaching receipts of payments I've made on both accounts as well as balance due on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past several months there appears to be an extra charge on mortgage statement of {$32.00}. I contacted my mortgage company several times about this ( Greentree Mortgage ). And every single time I call, their representative gives me a different excuse for that charge ... i was told its a late fee ( their late fee is {$26.00} ), I was told I over paid XXXX month and because of that their system now thinks thats my new monthly payment, i was also told that years ago my previuos mortgage company did an inspection and thats what that charge is for. I even spoke to a supervisor who told me that there was an error in the billing, however all those customer service representative said to disregard that and that it would be corrected. After months of calling them and getting different answers I 'm still getting this charge and no one can correct this. I even sent an email to the company. Just on XXXX I called XXXX times got no where, XXXX person I spoke with transfer to someone else who then put me on hold while she research the account then hung up on me while I was waiting for her on hold. I feel there 's a mistake on my account and no one wants to correct it because whenever I call their customer service rep does n't understand my account, puts me on hold and then they all give me a different reason for that charge. By the way my monthly statement does not give a reason for that charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX my Navient Private loan interest rate was loan ID XXXX 4.25 % and loan ID XXXX 3.75 %, this has been the same fixed rate since XX/XX/XXXX Starting XX/XX/XXXX interest raised from loan ID XXXX to 4.0 % XX/XX/XXXX interest raised loan ID XXXX 4.5 % XX/XX/XXXX interest raised loan ID XXXX 5.00 % and loan ID XXXX 5.25 % XX/XX/XXXX interest raised loan ID XXXX 6.00 % XX/XX/XXXX interest loan ID XXXX 6.5 % and loan ID XXXX 6.75 % Not only is Navient increasing my interest rate but is also capitalizing my interest each month and including it on my principal balance. This will effect my ability to even claim interest on taxes! 

Today XX/XX/XXXX I went to check the auto pay status of my loan and saw Navient without consent or even informing the me the customer has been slowly increasing my monthly interest rate. Today I called and spoke to Customer Advocacy to address this unfair practice. The service team blamed the government for changing the interest rates and told me they could change the rate to whatever they wanted. I was told there is no way to change my interest rate back unless I am in poverty. Customer Advocacy was NOT able to help or even try to change my rates back to the rate they have been at for 16 years. 

I need the CFPB to take immediate action as this is unfair practice effecting millions of student loan borrowers trying to pay off their debt. This is predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased a Visa Vanilla gift card on XX/XX/XXXX for XXXX at a XXXX. I spent XXXX on the card and threw the original receipt away. On XX/XX/2022 I lost the card. I called the gift card and they told me I had a balance of XXXX. I immediately reported the card missing. On XX/XX/XXXX they told they would send me a replacement card. They told me to call back on XX/XX/XXXX. On XX/XX/XXXX I called back and they told me I had to verify the card.I tried to verify it on my phone and it would not work. I was on the phone for a whole hour and the manager told me I wouldnt get a replacement card without the original receipt. I went back to XXXX and got a copy of the receipt which I have enclosed. I tried calling vanilla gift card back and spoke to a representative and asked for a manager and was put on hold twice for at least an hour. I am not getting any satisfaction from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I opened a checking account with US Bank and funded the account with an opening deposit of {$25.00} from my XXXX checking account. On XX/XX/22, I noticed two pending debits from my XXXX checking account for {$25.00} each. On XX/XX/22, the two debit transactions posted on my XXXX checking account, but there was only one posted credit of {$25.00} to my US Bank checking account. 

On XX/XX/22, I contacted US Bank to obtain an explanation of where the missing {$25.00} went and why they performed an unauthorized transaction. They did not have any answers for me and recommended I file a claim with XXXX XXXX. I was transferred to multiple departments and nobody could provide an explanation. 

I feel that US Bank has the funds, but did not post it to the correct account. The representative advising me to file a claim with XXXX XXXX  is bad advice and just pure laziness.

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 2016-06-03
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ditech Mortgage- they changed my payment amount and the payment I did make was short about {$35.00} due to a change in escrow. They have not applied the amount that I paid to the account. I over pay every month and there was {$66.00} in unapplied fund that have just disappeared. I really do not know why they are not posting payments when they receive them and if they are hold funds that should be applied to the loan should we expect that they are paying us interest on that money? ditech has been the worst Mortgage company I have ever dealt with. XXXX consumers are complaining about the same information. Please look into this company so that they are treating consumers fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX, XXXX and transunion all used my information incorrectly

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