BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I have a card through Care Credit/Synchrony Bank. I recently fell behind on payments and was contacted from someone through them. I believe it was a collection agent. We setup a Hardship plan of {$77.00} a month. My account was showing a current balance due of around {$400.00}. The person I had spoke with let me know that my monthly payments will start right away at {$77.00} and the current balance showing due will continue to show on the site but that the {$77.00} will go in affect right away .... I went on the website to setup automatic payments of {$80.00} to pay towards my account since I was told my new monthly payments are {$77.00}. When my first automated payment was sent through. They ran my card for {$300.00}. I called Care Credit/Synchrony Bank to ask them what had happened and they told me the automatic payments run the amount showing due. I let them know about my plan I had setup of the {$77.00}. The person I spoke to told me I will be receiving a check in the mail to refund me that amount that of {$300.00}. I made sure to double check that I for sure will be receiving a refund and they assured me I will be. Then a couple days later I received a letter in the mail saying that the refund was declined. I called and explained the situation. They basically told me there was nothing they can do. If they refund me the amount it will show my account in past due status which is not entirely the case since I was told my account would still show that amount due but my monthly payments will start at {$77.00}. XXXX people I spoke with assured me information that ended up not being correct and I was a victim of that. I spoke with a supervisor and let them know of the information I was given and they basically told me there is nothing they can do about wrong information previously given out. If I would have known the amount of {$300.00} would have been taken out of my account I would have not setup the automated payments but I was told previously my monthly payments will start right away at {$77.00}.

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 monetary relief
Consumer complaint received 2022-09-30
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I have one account with American Express ( AMEX ) where I requested a credit limit. Amex asked me to either upload my bank statements through their portal or to link my bank accounts to consider my requests. 
I tried to upload the documents via the portal multiple times and kept getting an error, so I linked my bank accounts and gave AMEX access to my bank details instead. 
To my surprise, AMEX did not review my request with the excuse that I did not follow the instructions. My account shows as correctly linked at the AMEX portal, and an AMEX rep confirmed that it was correctly linked. 
I called and chatted with AMEX around XX/XX/12 and was told that my request would be reopened, yet nothing has happened. 
Multiple calls and chats have resulted in no actions or answers from AMEX. I did get a call from someone, but I asked her to call me later ( because I was at work ), and she never followed up. 
At this point, I think AMEX is purposedly ignoring my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29
Company: COMMERCE BANK
State: MO
Product: Credit card
Issue: Cash advance fee

Complaint:
The complaint is in regards to a full payment that was made on the same posting day of the amount charged to a credit card account that incurred a debiting transaction initiated by overdraft protection tied to that account. The initial charge was {$100.00} plus a {$10.00} fee for utilizing the overdraft service. The {$100.00} charge was paid back to the credit card account on the same posting day it was debited via direct wire transfer from an account housed at the same institution. As a result the credit card/bank has applied an outstanding finance charge although the balance was not carried over to the next day or accrued in a " daily '' manner. The result of a small finance change appearing on the statement illustrates an interest charge that accrues by the " minute '' pursuant to a cash advance and not one that accrues daily per their Terms of Service. The institution was not without the funds for a period of 24 hours so daily accrual is non-applicable in this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14
Company: BlueChip Financial
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month. 
The initial loan was under {$500.00} the bill is now almost {$1500.00} four months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years. 
I should not be hold liable for the fraud charges according to Chase policy with XXXX fraud protection. I did not know what happened when I lost the credit card. The similar merchants on the dispute should not be my fault. When I review the transaction and merchant, I found out that merchant will in fact give the cash to buy back their items. XX/XX/XXXX be, it is the theft incentive to use similar or the same merchant. 
When I look on my card member agreement, there is no clause about the undue burden or failure to protect the card. I had protect my card when look at history I 'm with Chase. During the four year with Chase, I took the very serious step to protect my credit card. XXXX is known to high rate of theft and pick pocket, I took action to protect my belonging very seriously. Unfortunately, bad luck does happen. I contacted Chase as soon as I have the mean to do so when my wallet got stolen. 
Chase should be reposible for what they advertise, XXXX liability. I think I should have peace of mind when I use credit card with Chase. Chase should honor their commitment to their customer not make customer pay for the fraudulent charges. 
Also According to Fair Credit Billing Act, my maximum liability for fraudulent is XXXX USD. I should not be billed more than the amount under the law. I have sent the police report to Chase. I hope Chase should do the right thing and protect their customer when their card got stolen. The card got stolen should not be my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A representative from the XXXX XXXX XXXX called me and claimed to be representing a bank XXXX Providian Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but XXXX scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but XXXX continues to try to call me to collect. This debt must have been purchased from the bank because XXXX had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rush CardI have been a member of Rush Card since 2007, Prior to Rush Card upgrading there system on XXXX XXXX, there have always been different issues that have come up, and honestly I should have discontinued this service a long time ago. Now since there upgrade this weekend, my card is no longer active, I am being declined when I try using it. I can not take funds from the bank. I can not see my account online b/c the online account does n't come up, and when u call there number it will either keep ringing, disconnect or number invalid. 

I called to check my balance on Sunday, no answer. I kept calling got lucky a little, b/c the rush card automatic system came on, it took a minute but I was able to put my info in through the phone line and it said my balance was XXXX. I need to know where is my money, b/c I had/have money in that account. 

My direct deposit is also scheduled to hit today and when I tried canceling it with my company it was too late, so now all of my pay check is in this account, in which I do n't even know if this *** company is still in business. XXXX XXXX some of us need our money, unlike yourself. I also agree with the last persons review. Your call center reps all need to speak clear English. 

I called the company number and literally fell asleep. Woke up 2 hours later, and I was still on hold with the hold music. As of today XXXX XXXX. I have finally received my direct deposit, but not all my money that was originally in the account. It 's to much trying to get thru, it was n't a whole lot, so once my direct deposit kicked in I have now cancelled the card and service. This is the worst experience and I will never look back at this company. I do want compensation for the inconvenience and would love to be a part of a class action law suit, if one exists or start my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My auto draft payment was taken out twice on the same day and they will not reimburse me for 4 to 6 weeks. This is putting a financial hardship on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a home discharged through the bankruptcy courts in XXXX. Since then, Chase Mortgage harasses me on a weekly basis- through mail and calling my cell phone repeatedly. I have no idea what they are after since legally, I am no longer responsible for this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: TX
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 letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
XXXX XXXX XXXX XXXX ( no acct # noted ) Unverified Account

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 2016-05-31
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In my XXXX past complaints with the cfpb about Caliber Loans, I received XXXX, conflicting responses to the same question which only adds to my confusion. According to Caliber, XXXX no longer owns my loan, yet Caliber has not registered this wit h XXXX land records. Their response was when it goes to sherrifs sale and is sold, then the transfer witll take place and that it was registered on XXXX XXXX and is pending. As soon as it goes through, I will be notified. As of XXXX XXXX land records has no record of this. 
Which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/XXXX, we submitted a complaint to the CFPB regarding our private loans from Navient ( # XXXX ). My husband is a former XXXX XXXX student and graduated XX/XX/XXXX. There is serious doubt as to whether he took these loans out. Shortly after the most recent complaint, we discovered our college advantage loans were at a XXXX balance. My husband called Navient to discover what was going on and was told they were on a forbearance, although they could not say why. On XX/XX/XXXX, we checked the balance of our private student loans to see where we stood in regards to balance. Again, that balance was XXXX. From XX/XX/XXXX-XX/XX/XXXX, we have received calls from Navient asking for payment on these loans. At this writing, Navient is being sued by your bureau for deception and fraudulent practices. Since XX/XX/XXXX, we have paid almost $ XXXX on these private loans. We still owe over {$39000.00} on them. My husband works XXXX jobs and I work alongside him to meet these obligations. We feel he has more than paid for his subpar degree and due to Navient 's deception, we are firm in not giving them anymore of our hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
My monthly minimum payments are 5 %. I pay my payment every month but since it is so large I have to use the card to pay other bills, so I can never reduce or pay off my amount owed. I think that a 5 % minimum payment is excessive. I would like to pay down my debt but will never be able to at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
Chase bank sent me a statement for the month of XXXX, I have an auto draft of XXXX paying to them on the XXXX of each month. On the XXXX XXXX I wrote a check in the amount of XXXX to pay the entire bal which was shown owed. Chase recvd the check and processed on XXXX XXXX. On XXXX XXXX my account had a zero bal. On XXXX XXXX Chase charges my acct XXXX for intrest, which I was told by one of their Manager tonite that they charge intrest a month in advance. How can a person pay off a credit acct and then 3 days later the company charges intrest on a XXXX bal acct? If you recv a statement and there is a balance shown and you write a check for that amount ... How can Chase charge intrest on a paid off acct? I was lucky I went and looked at the acct, if I had n't they would 've changed me intrest then a late fee then it would 've made it to my Credit Beaurea shown that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Was told by XXXX different people that if I paid the debt in full Amercian Medical Collections would remove the info from my credit report. They have failed to do as promised. I have an immaculate credit report and want to keep it clean. I paid it as soon as I got it. I moved for 2 years and was forwarded the notice from the new tenants. Paper says pay in full and no bad debt reporting. They simply lie to get what they want. You should n't allow these tactics. I always pay my debts and always pay them on time. I think they need to honor their promise and remove this from my credit report. They need to reprimanded for the lies they tell the debtors in order to collect. I paid the full amount and did n't even negotiate the amount because they were going to remove it within 3 days since I paid it in full via their website the day I spoke with them. This is just so unfair. Please investigate their tactics to be sure they do n't scam or lie to others as well. I worked hard my whole life to establish a great credit score and this one bad mark lowered my score drastically for at least 6 months. They ruined my credit because of their failure to keep their promise. Thank you for listening and possibly helping to resolve this issue and protect others from these tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an old medical bill for {$680.00} and I contacted the collection agency and offered {$200.00} for a settlement. XXXX stated that the client will not that. She asked can I do 50 % which is {$340.00}. I told her I can not do that what about {$250.00} she said she will submit that and get back to me. XXXX called me back on XX/XX/XXXX, and told me the client will not accept anything less than {$400.00}. I advised that is not acceptable this is 7 years old as of XX/XX/XXXX I can just wait till it fall off.

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 2015-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am the court appointed conservator for an individual. Capital One sent out a credit card which I returned to them and told them to cancel. They refuse to do so and are now billing the annual fee and late fees on top of that. They insisted that I send them certified copies of the letters of appointment, which I have done, but they still refuse to address this issue. Under Iowa law, the ward does not have the legal authority to enter into a credit card agreement and in this case I caught it before the card was ever used. However, Capital One keeps telling me that I, as conservator, do n't have the authority to cancel this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK 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 2016-06-16
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received there so called itemized statement that show a balance of XXXX Dollars, which I am attaching and Common wealth is asking for XXXX. I sent a letter Certify Mail requesting further information and detail to how they came to this balance and further proof. I am also attaching the return receipt .Which was sent out more then 45 days ago. and still now Response form Common Wealth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan payments are {$1000.00} a month. Everyone else I graduated with does not have a payment this high. I think I filled out my fasfa wrong or something. I do n't understand why my payments are so high and why I did n't get any grants from XXXX. I also believed that it would be 6-7 % interest on the whole loan not compound daily. I make {$1700.00} after taxes. I pay another {$75.00} in sub and unsub loans a month. I literally make enough money to pay my car payment, car insurance and gas to get to work. I had to get a second job just so I can eat. I literally debate whether it is worth living everyday. Can you please see if there is something you can do? 

Also, I remember shortly after I graduated XXXX President had to step down or something because there was a money scandal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation