BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
said debt was gaining interest ... when in fact I do n't owe anything at all. also they tried to get my SS number

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 2015-06-25
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I am currently purchasing a car, financed by Prestige Financial Services. The day before the due date, the persistent calls, text, and emails start. If I am late the emails become very rude, abrasive and threatening. When it 's brought to their attention the context of the email, the answer is, anyways it needs to be paid. Upon further investigation and trying to refinance the vehicle, I 've found out I owe XXXX on what the car is worth at the moment. The crude and inconsiderate tactics of this company alone makes a consumer not ever want to deal with them again. I have contacted the XXXX previously and the calls, text, and emails stopped for about XXXX months. Only to be turned over to another finance person and the calls and emails are more rude and threatening as ever. I was unaware that there is no grace period available on this loan, however, I always pay the bill monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XX/XX/XXXX Mastercard statement from Huntington Bank included three charges ( all on XX/XX/XXXX ) from XXXX, XXXX totaling {$5400.00} and XXXX charges ( all on XX/XX/XXXX ) from XXXX, XXXX totaling {$2300.00}. These charges totaled {$7700.00} and were obviously fraudulent as the credit card remained in my possession at all times and I had not provided the account information to anyone, much less to people in XXXX and XXXX. I contacted Huntington 's Fraud Division twice and visited a Huntington Bank branch twice to contest the charges as fraudulent. On XX/XX/XXXX, I sent a letter to Huntington stating that the charges were fraudulent and that I refused to pay them. 
I received identical letters dated XX/XX/XXXX and XX/XX/XXXX stating that " no error had occurred '' and that I was responsible for paying the entire amount plus applicable interest and fees. I filed a police report and sent Huntington a letter on XX/XX/XXXX citing the Fair Credit Billing Act and again refused payment of the fraudulent charges. Huntington has not responded to my XX/XX/XXXX letter, continues to add interest and penalties to the disputed charges, and calls constantly. When I call Huntington as requested, they inform me of the total owed, which now includes approximately {$900.00} in interest and fees, and that I need to make payment immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I decide to attend XXXX ( XXXX ) through there online courses from XXXX when I graduate in late XXXX. From the start the process to enroll and the classes themselves seemed way to easy but I was eager to get a degree and start my dream career. After graduating it took months of constant contact asking where my diploma was. Meanwhile they kept telling me it 's on it 's way in the mail. Finally 6 months after graduating it arrived. 
Now a few years later I 'm still not able to get a job in my field so I 've been doing research and find out the school is not legit and is not an accredited school. 
It 's financially breaking me to keep paying these loans. On top of that it 's also breaking my parents financial as well because they took on the responsibility of a large part of my loans because after the first 6months to a year I did n't qualify for financial aid. 
All I want is to be relieved of my remain 7-8 years left in my loan and to finally be able to have a chance to make it in the future without this debt. Even more so I 'd love to be able to tell my family that they no longer have to worry about the loan they took on for me, as they are paying more than I am per month. 
Any help would greatly be appreciated! 

Thank you, 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 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. 
The transactions in question are coded in Bank of America provided statements as follows:XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.

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 2015-10-26
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
the amount of XXXX is owe to me by XXXX XXXX XXXX and I received a beived a personal check and it had insufficient funds. account was open by a person I did not do business with and it had the contractor signature on check. Need to expose this person he does not scam anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While on forbearance, I was sent a letter stating that I was delinquent and that the lender might pursue foreclosure. I requested an extension to my COVID forbearance through the website, however the servicer did not respond. I got a call on the phone, but it was completely silent and there was no response on the other end. When I tried to call them back, their automated system could not identify me by phone number, loan number or SSN. When I attempted to be connected to a customer service representative, it disconnected me. I believe this business attempts to force homeowners into foreclosure by documenting false attempts to reach the homeowner and refusing all actual contact or attempt to engage in loss mitigation with them during that time.

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 2015-07-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Have had TD Bank XXXX checking for XXXX years maybe XXXX from XX/XX/XXXX til XX/XX/XXXX. What made me breakup my relationship with them is that, usually when I deposit a check, I have either 50 to 70 % of that paycheck available and onetime I when to buy transit fare, they charged me for overdraft despite the money was there and available, this continued XXXX or XXXX more times without my balance ever dropping to {$0.00} balance. The fee 's would multiply and pop-up and cleaning me out. So I tried cutting my ties and these ridiculous penalties they pressed upon popped up and I was n't happy and just opened another account with a local bank. They closed my account after a week or XXXX without me being able to settle and I was reported to XXXX. I settled my balance with them after a month but I can not open any new accounts, not even with my wife 's name attached as a joint holder. I just moved and my current bank is nowhere near my home and i have to spend either XXXX minutes to an hour after my XXXX shift to deposit or withdraw funds or wait til I 'm visiting my sister 's home and making a quick stop to check my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a charge on my card for a large amount for a trip. We have never gone on this trip. I have called several times and told them it is fraud and they keep sending me bills and calling. I have disputed this several times on line and also by phone. They just say they will check into it. Still bills come and phone calls all day long. They have also been adding late charges.

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 2022-06-01
Company: AR Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a previous complaint against AR Resources , Inc. number XXXX, regarding their unfair, deceptive and misleading business practices. They blatantly disregarded my request for compensation in the documentation I provided due to their civil liability for violating my federally protected consumer rights under the Fair Debt Collection Practices Act. I also contacted AR Resources , Inc. by mail on XX/XX/2022 which they received XX/XX/2022 and they still have not responded. I'd also like to note that in my previous complaint number XXXX, AR Resources , Inc. stated they closed account XXXX in their office due to fraud, which they have both evidently and willfully committed against me. The documentation I provided is proof of that, so I'm giving them the chance to act in good faith and rectify their affairs for their unlawful business practices before I proceed with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/20 {$120.00} and change of due date without prior notification of change : Citi bank credit card continue harassing for payments by changing due date without prior notifications! I have not missed any payments or owe payments. Citi bank change due day of payments from XXXX each month to XXXX of month and they sent very confusing message day after due date. I do not comprehend why this people making psychologically burden on the payments. They put me in a stress really getting to bother my daily activities .To my understanding Only reason they changed due dates send me a notification day after due date in that they try to get extra fees which is illegal and psychologically stress me out! Only reason they send the notification is that they try to make legit of illegal changing dates. Everything is on attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 usc 1681. The personal account information has violated my rights.

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) ( b ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of the information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022 I opened a Chase Bank checking account after being presented with this offer : https : //account.chase.comXXXX XXXXXXXXXXXX XXXX XXXX It's for a {$220.00} bonus for opening a new account and having a direct deposit made within 30 days. I have read the fine print and have confirmed with multiple chase representatives that I do in fact qualify for the offer. The deposit was made within a week of my opening the account. After not receiving the bonus, I called and asked about it, and was told there is no " coupon code '' applied to my account. I specifically remember entering the code into the online form when setting up my account. 

I was advised to go to the nearest Chase branch to resolve my issue. I drove over an hour to get to this branch where I was told there was nothing they could do as I had opened my account online. I was given a research number and was promised that a Chase rep would call me within 3-5 days.

A week later I called and was told there's no word from the research time, and that they'd call me by EOD the following day. Three days later I called and was assured they would call me soon. Two days later I called and was assured they would call me soon. Three days later I was promised a manager ( not necessarily on the research team ) would call me by EOD. I did not receive a single phone call. I still have yet to receive my bonus and no Chase rep has any idea when I might.

For the record, every representative I've spoken to has been polite and understanding, and I have been pleasant as well. This seems to be a communication issue in Chase 's institution more than anything else. Still I feel I have been treated quite poorly by Chase as an institution and can not believe that it's requiring this much time and effort to give me the bonus that every rep has acknowledged I qualify for. I feel as if I have been deceived into opening an account at a bank that hates me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Finally received my annual credit report from Equifax on XXXX XXXX. 
First request for my Equiifax credit report was made on XXXX XXXX. 
Equifax took over 5 months to respond to my request. 
This delay by Equifax is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started our Refi in XXXX At 3.275 % they lagged until the interest rate jumped to over 5 % .The rep.said they would not qualify for the loan because they only counted 60 % not 100 % from my IRA. Just today got the denial letter. Our lender is Freedom Mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-03-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/2016, my husband drove my son 's XXXX to XXXX in XXXX, NC. I followed him so we could leave the car there. After receiving a call from XXXX, the owner, that the car was ready, we went there, paid the bill, and left. Over the next few days, the car began to run nearly as bad as it did when we initially dropped it off. My husband and I went to XXXX to ask XXXX XXXX about the repairs. This is when the problems began. We agree the radiator repairs were completed satisfactory, but there have been consistent issues with how poorly the car runs. Since our initial claim with XXXX and Chase, we have consistently been denied any form of resolution. Chase finally indicated we needed a third party appraisal. My husband contacted XXXX other repair facilities, but after receiving Chase 's final denial letter, my husband called the XXXX repair facilities and no one indicated that Chase had made any form of inquiry. My husband requested that Chase provide us with written documentation explaining their findings as to why they denied my claim. My husband finally spoke with XXXX, a female at Chase. She denied any additional information and stated that since I had received the final denial letter, she would not discuss the issue any further and refused to provide any verbal communication or written documentation explaining their findings as to why they denied my claim. I have provided additional documentation with this claim. Chase has provided no help to me, the consumer, but had rather defend the business rather than their customer. Additionally, XXXX claimed we had not contacted him about this issue after the initial repair and he also told this to Chase. I have included a copy of the XXXX 's certified receipt where my certified letter to XXXX was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit card with Chase bank for XXXX - XXXX XXXX. Online billpay was setup with XXXX XXXX XXXX, and the option to not send paper bills is enabled through that interchange. Chase for a period of 2 months did not send electronic bills, sending account into collections. The Electronic Data interchange ( EDI ) between XXXX XXXX XXXX and Chase is setup in a Push method - Chase has to send them bills. So all Chase needs to do in order to collect late fees and interest is not send bills, which they did in this case. I paid the balance and closed the account. Today I received an electronic bill for another fee related to this issue, and I received it via XXXX XXXX XXXX. So, this issue was entirely manufactured, and I can trust it has affected other electronic banking users.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
XXXX/XXXX/16 : I spoke with a Chase Sapphire Preferred Customer Service representative about downgrading my card to a no annual fee card after seeing an annual fee appear on my statement. The representative told me that I had a 180day grace period to decide on the change and the annual fee would still be waived, so I chose not to downgrade my card that day to give myself time to decide whether to keep the card or not. 
XXXX/XXXX/16 : Spoke with XXXX ( XXXX? ) around XXXX PST on the Chase Sapphire Preferred Customer Service line to downgrade my card to a no annual fee card within the 180day grace period. She told me that the grace period for downgrades was actually 60 days, not 180, and that this has always been the company policy. Now instead of having the annual fee re-credited to my account, I have only received a prorated amount based on when I downgraded. 
XXXX/XXXX/16 : I called back to see if I could get any more information about the call I made in XX/XX/XXXX and spoke with a CSP supervisor regarding the misinformation, and he told me that there is no grace period for downgrades and that the annual fee would be prorated no matter the amount of time after the downgrade. He also put a complaint from me on file. 

I spoke to XXXX different people and got XXXX different answers, which can make up to a {$95.00} difference on my account.

Company response to consumer: Closed with monetary relief