BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: Sportsman's Credit, LLC
State: LA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
Lender Sportsman 's Credit, LLC agreed to drop my payment to {$350.00} due to me having to pay the IRS every month. I have been paying {$350.00} for almost an year know. Well lender XXXX XXXX had a real bad attitude on XX/XX/2016 and told me I have been paying partial payment and that I 'm {$1800.00} dollars in late fees. I did n't know anything about this. He also got mad and told me he did n't want my tragedy XXXX car and to go ahead and file bankruptcy like my friend did which I did n't not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: AES/PHEAA
State: PA
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:
Ive been working with a company called AES to help with my student loan paymebts to keep them current. I understand that my {$85.00} a month isnt going to make a dent in my XXXX student losn debt but i just found out that money hasnt even been applied to the loan then they offered me a student debt forgiveness program {$40.00} a month instead of {$85.00} and after 20 years of these payments the remainder of my debt will be forgiven?? Why cant i pay {$85.00} and make it 10 years or {$160.00} and make it 5 years why do i need that debt hanging over my head for 20 years when i couldnt even get a job paying XXXX a year???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been unable to use my rush card for 5 days. I get my paycheck deposited to my card and I have been without money for over a week. They keep lying and telling me that it will be fixed by the end of day. They have lied over and over again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: French Financial, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a loan from Gurantee loans years ago, I never misssed one payment or was late, so come to my surprise this morning I check my credit report and it says I missed multiple payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-21
Company: Account Brokers Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The representative from the agency named XXXX called me at work and told me that she had spoken with her legal dept and they were preparing a warrant for my arrest if the debt was not paid. I had already shown up in Court for a contempt citation and it was set out for 2 weeks. This threat was before the 2 weeks were even up. I had an attorney present when I returned her call and he heard the same comment and informed her this was illegal. She then put her manger on the phone who spoke with the atty that then explained to the manager the legality of her comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Hello I had money on my card and I went to buy food in my house and it kept declining my transaction at the register. I had enough money on my card but rushcard would not let me use it. They took my money off my card. Called customer service XXXX got hung up on and was on hold for almost 2 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 has to do with XXXX account, wrote verification letter sent me a shady statement and didn't have correct information. and asked for signed contract but didn't provide signed contract. please remove from credit.

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 2015-10-22
Company: Empowerment Ventures, LLC
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I put money on my Rush Card, went to use it and it was a no go. Went on line to check my account and the webpage showed a XXXX balance. Tried to call their customer service and got some long winded gobbley gook about contacting them and the problem was being worked on, and on they went. Now they say that I have no money on their, which tells me that the problem STILL is n't fixed!!! This is totally unacceptable. I have had to borrow to pay utilities and explain to my landlord about my rent. I feel like such an XXXX for trusting this card. NEVER AGAIN!! It is now XXXX XXXX, 2015 and STILL no fix on the card!! They are gaining the interest at the bank where this money is stored and you can bet your life that the customers of this card will NEVER see a dime of THAT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry.

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 2016-02-01
Company: INVESTORS BANK
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Investors Bank, XXXX XXXX, XXXX NJ has continued to mail banking statements, XXXX Tax forms - to a former address despite my repeated requests. 
I have called their customer service line. I have met with the branch manager. I have met with the assistant branch manager. They have copied my license three times in the past seven months and assured me that they have corrected it ; yet they continue to send banking statements to an address that has been invalid for 2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I could not get Speedy Cash to stop taking payments out of by bank account using my debit card. I called them, I wrote them. I tried to set up payments. I told my bank to not authorize any more payments. Did n't help. Finally I had to shut down all my accounts at my bank and go to another bank. 
I could not believe it when I when, at my new bank, Speedy Cash withdrew {$100.00}, the next day {$60.00}. 
I have no idea what that amount is for. I 'm disputing the charges Can you help me? 
Do I have any rights? 
So grateful for any help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage loan servicing rights were sold to Caliber Home Loans in XXXX 2014. 

To this day, we have NOT RECEIVED ONE MONTHLY STATEMENT FROM CALIBER. 

We have never received a statement, or any letters, or correspondnce providing us with the loan number of the account, who to contact for questions, monthly payment, amount owed. 

This is a clear violation of CFPB Rules for Servicing of Mortgage Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I submitted a complaint to this agency thinking that my problem would eventually be resolved, on XXXX. The case number is XXXX. The results are pathetic. The defendant is emboldened, still has NEVER responded to my original certified letter, when the interest charges were {$18.00} approx ... Now they are adding approx {$43.00} a month to this 0 % paid in full account, to a grand total of {$510.00}!!!! How is this criminal behaviour allowed to go on? You are supposed to be " protecting " the consumer from these criminal banking thieves, aka, CHASE .... Please do your job and rectify this travesty of justice ... .. they keep on laughing and laughing while the govt pretends to be helpful! I would be shocked if someone actually called me and told me that Chase has been found GUILTY of misleading, bait and switch, deception, and down right lies, and last but not least CLEAR VIOLATION OF TRUTH AND LENDING LAWS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chase Auto Finance assessed a XXXX late fee on my account that was 21 days past due. The total balance left on the account is XXXX and I believe this is excessive as most creditors will charge at the most XXXX as a late fee. The excuse I got from the creditor is " that we already gave you an adjustment last month and the system will not allow it ''. I believe they are trying to make up for all the other adjustments they gave during the course of my 72 month loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I have been trying to work with our mortgage lender to re modify our monthly payments. The process has been quite lengthy in comparison to what the lender originally told us for how long it would take. For some time we have been submitting documents in multiples because of reasons the lender has given, such as "they could not read a letterhead". or "they did not receive a particular document". Our personal file has grown to some size with everything we have sent to them at their request. Also it seems as though we have been assigned to someone different every few weeks. They claim to have made calls to us but we do not have any record of them calling. If we needed to verify anything, it was my wife or I making the contact. During this entire time, we have been instructed by the representatives of the lender to not make any mortgage payments until we receive confirmation of the re-modification. We are asking for the re-modification due to our serious change in financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After several back and forth with chase about XXXX debts that was being reported on my credit report is inaccurate I closed the accounts and chase said I received new cards. I have asked for the dates and address where chase sent the replacement cards. the dates and addresses are not right that they have gotten from the public records and I have never received anything from them at my address where I live ... I did receive a letter from in response from a different person again saying they are willing to remove these accounts from my credit ( I have attached the letter ) I responded with a letter telling them they did not need my permission to do that but I gave them permission to remove those accounts anyway, and I have not heard from them nor have the those accounts been removed. I believe under the fair debt collection practice act and or fair credit reporting act they should be able to give me all the information to do with these account and if they do n't have the information they need to remove the accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Since XXXX XXXX, I have attempted to get a copy of the master promissory note from the current servicer - Navient - of a set of my student loans ( XXXX subsidized and XXXX unsubsidized Stafford loan through the FFEL program, disbursed in XX/XX/XXXX ). After multiple calls in which I have been told that either ( a ) my information would be sent to me, ( b ) they do not hold the MPN and that I should contact the original guarantor ( which I did and the guarantor indicated that this was incorrect and the servicer should have a copy of my loan ), and ( c ) they do not hold the MPN and that I should contact XXXX as they would have the MN ( which I did, and was told that this was incorrect and that the current servicer should hold the MPN ). I have never experienced a greater lack of professionalism and lack of service, including never being given an update on my requests unless I contacted Navient again, as I have with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 'm a XXXX XXXX adult and Bank of America stole over {$340.00} of my XXXX money from a new checking account that I opened in order to prevent any fraud from occurring on my account again. On Friday XXXX XXXX just prior to XXXX CST when the claims department closes they removed the money from my new account without any warning or offer for payment plan. I still dispute the credit reversals that led to a negative balance after I closed the account at a local branch. Every banker I 'd previously spoken to said that my new account could not be touched by the bank or anybody but myself. I had no means to prepare for the sudden removal of almost all funds I had left, since I 'm on XXXX. They offered a friend of mine payment plans and additional help many times, though. I have visual documentation of all these events. I also have recorded information that proves they acted illegally by stealing funds from my new account. I want them to refund the money, explain why they did this, and compensate me for the money I had to borrow for immediate health purposes. I can prove all of this. Please help me, please. I have nothing left even for food. I also want them to pay a penalty fee to me for hurting me like this. I beg of you to intervene. Tell me what proof you want.

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 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started the application for a mortgage with Bank of America since XXXX XXXX of this year. I was promised a closing date of XXXX/XXXX/16. The date got delayed to XXXX then now XXXX. They have tactically requested repeated financial information from me to justify the delay and as of this morning ( 2 days before the third closing date ), they want me to call a third party agency to do a credit supplement check on credit cards that I have already supplied statements and written letters for. If the loan does not come through, I loose my earnest money and other costs associated with buying this house. I have filed several complaints with the bank but was ignored. My loan officer said he is sick and never called back. I can not get anyone to respond. This is just a night mare and no one should have this experience. I have all of the email history to prove their incompetence.

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 2017-01-20
Company: Navient Solutions, LLC.
State: PA
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:
I currently have a student loan through Navient. I have called to discuss with them the fact that you are unable to make a principal payment on your student loan. They always give you a run around and I feel that they are making your payments work best for them. The records that they provide are very vague as far as how payments are applied and so on. I have tried to check and make sure that my payments are being applied the way that I want them to be, but it is impossible to tell. I feel very deceived and they should be forced to allow an option to choose how you would like your payment to be applied. In addition, their customer representatives are extremely unhelpful and simply get you off the phone as fast as they can. As a student, I am forced into this loan program, this is a government program and the government should ensure that students are not being mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have our first mortgage with Bank of America and we are trying to refinance our loan with another bank. The address on our FHA loan through Bank of America is wrong and we need an address change on the loan documents. They told us they needed certain documents faxed, so we faxed them multiple times. Weeks went by and they continued to say they had not received them. We had faxed all of our information as did our new lenders. We continued checking up on it and eventually they said they have them but they have now changed their rules and need more documentation and that our prior documentations would not work. We have sent over everything else they have requested proving that our address is what we say it is and not what they have down and are now telling us it could be up to 180 days before they get our address changed. During the whole process they have asked us to refinance with them and are now dragging their feet on helping us get our address changed on the loan documents. It has been a complete and total nightmare.

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 2017-03-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
several years ago I opened a checking account at Washington Mutual Bank. Part of the product line offered with the checking account was Free cashiers checks. The bank was sold to Chase. I recently got a letter from Chase stating in a few weeks they will begin to charge me a fee for the cashiers check. As I recall the original offer from Washington Mutual was free cashiers check for life. Do I have any rights here?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As a result of a loss of job, we were trying to obtain a loan modification. Chase continued to deny our request. When we thought they had given us a modification, it was only a hidden second, but it only modified the loan by {$170.00}, which did not help us. We decided to try and keep the home and pay the mortgage and we recently filed for chapter XXXX and we now have to pay a trustee $ XXXX monthly, which includes mortgage payments in the arrears. We continued to struggle paying the high mortgage, even though the loan is upside down ; we owe more than the house is worth ( house is in need of major repairs that we can not afford to fix due to high loan and no equity in house ). Additionally, the house was appraised at a lower price than what the existing loan was. We are both retired and receive monthly pensions and can not afford the mortgage and paying the trustee. We were hoping that Chase would lower our mortgage payment but once again we were denied. They are unwilling to help save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Advertising and marketing

Complaint:
CHASE SLATE sends an advertisement to cardholders claiming they can view their XXXX score by going on line. In order to get the score the cardholder must sign-up for an online account and give their Social Security number. No SS number, no signing up. Maybe CHASE should consider sending the score along with their bill, like XXXX does, instead of forcing customers to make it easier for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB : Could you get straight answers to the following questions from Chase? 
( 1 ) As of XXXX/XXXX/2015, our mortgage was current, and the mortgage balance was {$350000.00} on Chase 's book as {$350000.00} on our book. Chase claims that we are default because we did not make payments since XXXX/XXXX/2015. Explain the discrepancy and contradiction. 
( 2 ) Chase claims that they are foreclosing us according to the NOTE. 
Could you ask Chase to cite a sentence ( or sentences ) in the NOTE that is relevant to, justifies, or supports what they are doing? XXXX of our lawyers read the NOTE, but found nothing relevant.

Company response to consumer: Closed with explanation