BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: Global Payments Check Services, Inc.
State: PA
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 was an unauthorized 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 2016-01-18
Company: AVANTE
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX veteran and I was treated on XXXX/XXXX/13 at XXXX XXXX Hospital as per an agreement between the Veterans Administration and XXXX Hospital. The VA has made payment in full for this treatment. 

This is the second or third time I am having to deal with this. The collection company name has changed from the XXXX now to Avante USA but a XXXX XXXX is the CEO. This leads me to believe that this is the same company. The name XXXX XXXX XXXX I am not familiar with at all. 

The fact that they have out of the blue turned up and have entered this account as a collections account on my XXXX credit file upsets me very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My Brother passed away XXXX XXXX XXXX. I turned in his bank card to First Merit Bank Monday XXXX XXXX XXXX so that no one would be able to use it. I provided his death certificate with my ID. I was told when the account sat inactive for a period of time the funds would be released. It is XXXX XXXX and I receive a bank statement every month showing a {$1.00} fee being charged for the bank they have. The account has activity by First Merit for a card they have in their posession, the account will not ever sit inactive with them doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-25
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from a man who said he was Kay Jewlers but refused to give his name. He told me I had 2 hours to come up with {$75.00} or they would take legal action. They are repeatedly calling me all hours of the day from different numbers, calling my work repeatedly after being told I can not receive personal calls at work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10
Company: Signature Bank (NY)
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Check was issued to payee, money was deducted from checking acct, however payee never received moneys and check was never endorsed by payee. Transaction happened XXXX, XXXX XXXX XXXX XXXX Signature Bank, XXXX. XXXX, XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Advanced Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am writing about a collection account with Advanced Collection Bureau. This account was disputed and removed from my credit reports back in XXXX 2016. Now all of a sudden it has reappeared on my credit reports and I have disputed it on multiple occasions without any resolve. I am also under the impression that this agency is not license to collect in my state

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me at work and I have asked on XXXX different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Sallie Mae is giving me the " run around '' when trying to get payment assistance. All departments transfer me to other departments, each stating that it is the previous department that can help. This cycle has happened 4 times that I have contacted sallie mae. The customer service center only offers a forbarance program which does not make affording the payments any easier. There was mention of a Rate Reduction program but each person I talked to referred me to another person who could " help '' all said it was another person. Again this happened 4 times. They have the absolute worst customer service. And are not willing to help at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15
Company: Advanced Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My roommate and I were evicted from XXXX XXXX XXXX in XXXX, NC back in 2013. We only owed one months rent which was just about {$900.00} but once turned over to Advanced Collection Bureau they tacked on extra fees totalling {$2700.00}. They have called me repeatedly and asked me personal questions about my income taxes and recommended that I send my entire check to them. I was told that I will never be able to get an apartment in my name again. When I asked to speak with a supervisor I was told I did not need XXXX and I just needed to pay the debt. Representative was very rude. The apartment complex is no longer in existence they are under new management and I contacted that particular office and was told that they do not have any record on file of my roommate and I owing any money to them. So if Advanced Collection Bureau is no longer collecting the debt on behalf of XXXX XXXX then they are pocketing the money themselves! We did not get our {$500.00} deposit back and it should have been applied to the balance left after we moved so I do not understand why the amount in collections is so high. I will take this to court I will not pay for something I do not understand.

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 2016-12-15
Company: Optio Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recently, I ventured out on my own as an XXXX. 

I purchased my first new car, as I had been on my bike for the past 3 years. A down payment was required, and new insurance. 

I wanted to come in the following week with cash in hand. XXXX XXXX XXXX said it was fine to post date a check. 

I pulled {$1500.00} from my 401k and deposited it. Inadvertently, I forgot about the insurance payment which was scheduled and it dropped below the amount needed. The check bounced. ( my account shows the deposit, and the transactions stated below -- this was not done on purpose as stated by XXXX. ) To make good, I went to the dealer, with {$1000.00} cash. They did not accept it, and said to wait for the loan company to take care of it. So I did. 

It went to collections. 

Waiting for a large fee from XXXX to come in to my XXXX, and the bill being on net 30 I could not give an exact date to make a payment. XXXX, of Qualia Collection Services, has called my step father, uncle and sister. 

My uncle has never been a reference in my entire life, so XXXX had to look him up somehow, and then left a message about the debt. He ( uncle ) then texted my mother about it. They left messages about the debt with all my family members. 

When I asked her about this she proudly replied collections agencies have info on millions of people. ( on a recorded line of course ) In the meantime, they kept trying to debit my checking account with the routing/account number on the check. This racked up nearly {$300.00} in debit and subsequent overdraft fees. 

I called the bank. I asked to put a stop payment, otherwise Qualia/XXXX/XXXX XXXX XXXX would have continued making charges. The bank refunded XXXX {$35.00} charges, but would not do any more than that. 

Is it legal for Qualia, or XXXX to make debits from the numbers on a check? 

At any rate, I 've sent {$25.00} until the my project fee comes in, at which time I plan to pay the debt in full. 

In recap, Qualia, or XXXX or XXXX XXXX XXXX XXXX debited my account 6 times from the routing/account numbers on the check ( I have the bank statement to show ). They 've researched my family in ways unknown to me and made it uncomfortable and embarrassing. On a recorded line XXXX called me a " liar '' about the architectural fee and stated she would " call my client if she had to. '' Admittedly, it 's taken longer than anticipated to get paid, but I ca n't make it go faster. 

I plan to go to the dealer XXXX XXXX XXXX and pay direct, so Qualia/XXXX does not make a commission. 

In addition, I will write Qualia to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Further to claim # XXXX, I acknowledge receipt of Chase response dated XX/XX/XXXX in which the include a lock-in-agreement dated XX/XX/XXXX. 
This was an agreement I was told to sign so that they can secure at least the 5 % interest rate. I had wanted to get the lower rate which at the time was a lower than 4 % for the 20 year loan I really wanted at the time but I was told that I did n't qualify for that rate. No explanation was given. No one ever mentioned that I could qualify under the HARP program nor I had any idea such a program existed until not too long ago when I kept reading about it. No one ever told me that I could refinance with any other institution either. I had a 20 year loan which I had to increased it to 30 years to get the lower rate (!!!!??? ) I had tried re-financing not too long ago and I was n't able to do so either and this may be because Reading thru the Truth in Lending Disclosure Statement, it says that that 'there is no guarantee I will be able to refinance to lower my rate and payments (! ) No wonder Chase closed on the refinance so quickly. The Lock in agreement is dated XX/XX/XXXX the loan was effective XX/XX/XXXX. 
Chase said that I did n't need an attorney nor anything. Chase sent a notary to my house to sign the documents but the lady left me with unsigned documents. 
The Lock in agreement indicates that there were no fees ; however, the HUD says something completely different. ( see copy attached ) None of my documents indicate that the loan was under the HARP program and as I stated before, every time I have called Chase, each representative stated that I I did n't have a HARP loan because for some reason ( they did n't know exactly why ) I had not qualified for one. How is it possible that Chase representative could n't tell whether or not I had a HARP loan. This was not just one representative but every representative I called. ( I had called in several occasions ) I remember finding it very strange that the loan had been processed so quickly, yet no one volunteered any information. 
I notice now that among the documents that there are is a HUD from XXXX XXXX XXXX XXXX and it also says that I could 've paid them?? May I know why. What was the advantage or disadvantage? 
While I was able to reduce my payments, this was due only to the fact that I increased the term of the loan not because of the advantage that HARP program could 've given me at the time. 
Due to another situation with another loan, it occurred to me to inquire JPM Chase about the ownership of the note on my mortgage for my house, the representative told me that Chase does not sell its notes. However, when I called again on a different day and asked for a copy of the note, I was told that the loan owner was XXXX XXXX I feel JPM Chase misled me and misrepresented the refinance of my loan effected in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We are using JP Morgan Chase as our lenders for a home mortgage loan. We have received nothing, but frustration, disappointment and anxiety from Chase team. Despite giving them the required documents and a projected closing date 6 months in advance, Chase has been unsuccessful in processing my file for closing on time. At this stage, we have no indication or tentative timelines as to when we would close. In anticipation of closing, we provided notice to end our lease agreement at our current rental apartment. This means that we are now without a roof over our heads. Where do I take my family? Chase has not given any attention to the vulnerable situation I have been put into, nor have they cared enough to return my phone calls. The XXXX XXXX manager claims that he will " look after us '' and I keep wondering how he would when he ca n't even return my calls. We have escalated our concerns within Chase as best as possible, without any success. The team informs us that they have transferred our file to an expedited status. It has been over a week now. If the expedited process takes this long, I wonder how long would the normal process take. Why should I give my business to Chase mortgage department when they have been nothing short of a reason for stress and anxiety to me and my family. I have no words to describe my disappointment and frustration with Chase over the past 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I made an ATM check deposit of {$24.00} but Chase bank made a mistake and reported it as {$920.00} on XXXX/XXXX/15. They corrected their mistake on XXXX/XXXX/15 2 months later and debited {$900.00} from my account without my knowledge or notice and over drafted my account. I made a car payment online on XXXX/XXXX/15 and XXXX received that payment on XXXX/XXXX/15 before Chase decided to correct their error on XXXX/XXXX/15. Chase then decided to return the payment from XXXX and disregard my car payment that was processed before their adjustment. I think this is illegal and ridiculous that a bank would process a transaction to benefit and correct their mistake. Transactions should happen in chronological order not when Chase feels like honoring and online transaction. They should be responsible for their mistakes and not penalize their consumers for their negligence. My car payment should have been processed because there were sufficient funds in my account at the time the transaction was made. Chase should be responsible for honoring my car payment and take care of any fees assessed to me by XXXX. Transactions should be placed in chronological order.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Reference No : XXXX ALL RIGHTS RESERVED Please provide me with the original signed Promissory Note for the account listed above. This note is my property and it was not returned to me. 

Please provide me with a complete account statement for the account noted above from the first day of the account being opened to the last day of the account being open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Platinum Holdings Group, LLC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recived a phone call from Collection Consulting from XXXX XXXX California. They Have not given me a written notice of rights or the debt to be collected. Also they had my debit card on file and used it as payment without permission or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I filed a complaint with CFPB because all the delays Chase has caused preventing me from repairing my home in a timly manner. The most recent complaint was XXXX - Chases entire reply was not true. 

Chase stated XXXX We received inspection results on XXXX XXXX, 2016, showing that repairs had been 75 % completed. Our process is to release a loss draft check within 4 to 5 business days or receiving the inspection results. The loss draft check was issued on XXXX XXXX, 2016, and on XXXX XXXX, 2016, the check was mailed via overnight. This is our normal process for a claim. *** That is NOT TRUE - The inspection was complete and in my file on XXXX XXXX. When I got this reply I contacted Chase to confirm when the inspection was complete on XXXX XXXX I spoke to XXXX on XXXX at Chase and she confirmed the inspection was complete and in my file on XXXX XXXX not XXXX XXXX. This reply from Chase is a LIE! 

The reply stated the check was issued on XXXX XXXX - again a LIE - I am attaching a copy of a the check which was n't written on XXXX XXXX as Chase claimed it was written on XXXX XXXX. 

I am so tired of Chase lying and continuing to delay issuing fund causing delays to get the repairs done on my home. 

This has been going on since XXXX. All the delays have caused more damage, unnecessary stress and Chase continues to cause delays and LIE about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: ME
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:
Starting in XXXX, 2018 my Equifax credit report appeared to stop updating. Account balances did not change and no new information was added. The report was correct in every other way as to my personal identification. Both my XXXX  and XXXX  reports continued to be update correctly. After watching for several months, I opened a dispute with Equifax. They looked only at two accounts for the dispute. They manually corrected both accounts to current information. However, no further updates ever arrived.

My credit report is frozen so I attempted a thaw and freeze to see if that would help, but it did not. Again in six months, my score dropped due to inactive accounts. I again contacted Equifax and two accounts were once again manually updated but subsequently stopped. 

I again opened a dispute for the third time after my score dropped from XXXX to XXXX. Once again a couple of accounts were updated but no further action. Even newly opened accounts have not appeared on Equifax. 

Once again as of XXXX, my score has dropped to XXXX, while my XXXX  and XXXX  are over XXXX. 

I do not know how to get to someone at Equifax who can actually research my report properly to determine why updates have stopped. The accounts in questions are from major companies such as XXXX XXXX and XXXX XXXX. I simply can not believe my information is not being reported to Equifax yet arrives correctly at the other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
For over 3 years I have tried to have XXXX XXXX and now Navient send a monthly billing statement to the student for her loan. 
As of today that is still not happening. 
I have called, I have sent emails, etc. 
There web site does not allow for this request. 
The loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America did it again. I checked my account at XXXX yesterday, saw that it was overdrawn by XXXX, I went to the ATM and made a deposit for XXXX to clear up the negative balance before processing so that I would not incur any overdraft fees, which I can not afford. I looked at my account this morning, and they posted a check OVERNIGHT, REORDERED the processing, as such the Check cleared ahead of all of the other debits which were processing previously, which again made my account negative and I incurred now XXXX overdraft fees instead of XXXX. If the check was processing earlier in the day why did it not show up on my account online. Instead I believed only the other debits were pending based on what showed up on my account online, otherwise I would have deposited enough to pay all the transactions. Instead the check mysteriously appears the next morning, and AHEAD of all of the other debits, when it is too late for me to make a deposit. This is clearly a strategy by Bank of America to collect more fees from working people. This is ridiculous, I am switching banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Issue: Billing disputes

Complaint:
I lost a card issued by AAA and told them I wanted it closed. They did so and sent me a replacement card. At the same time, I had been issued a new XXXX card and decided to use it and close the AAA card account. However, I had an auto payment on the AAA card ( $ 10 monthly to the XXXX ). I assumed the XXXX would not be able to bill the new card and would contact me. However, it seems the charge was automatically switched to the new card. I regard this as an invasion of privacy by the credit card company. They had no right to switch the auto payment to the new card without notifying me. In the past I have had problems when the card was the same but the expiry date changed, because the bank would then deny auto payment to vendors. But this new system is even worse. I should have the right to switch where I make payments.

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