BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My social security is paid directly into my checking account at Chase on the XXXX Wednesday of every month. My balance is normally very low in the 5 to 10 or so days prior to that deposit. I acccordingly have to regularly monitor transactions into and out of the account to ensure that I do not go into an overdraft position and thereby incur overdraft charges ( {$34.00} per ). 

Today I went to XXXX to ensure that, under a menu item called Chase Debit Card Coverage, I had chosen the " no-do-not-pay-debit-card-transactions-when-there-is-not-enough-money-in-my-account '' option. 

Here, without the graphics, is what appears on the screen when XXXX is attempting to select that option : ****************REQUIRED Chase Debit Card Coverage InformationPlease click and read the Important Information including legal disclosures and consider printing a copy for your records. 
Have you read the Important Information including legal disclosures about Chase Debit Card Coverage service? 

Yes, I have. 

No, I have not. 

Select " Yes '' if you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you do n't have enough money available. You 'll have until the end of the business day to deposit enough money to avoid an Insufficient Funds Fee on these transactions. 

Select " No '' if you do not want Chase to approve and pay your everyday debit card transactions when you do n't have enough money in your account. Since everyday debit card transactions will be declined when there is not enough money available, you wo n't be charged an Insufficient Funds Fee for everyday debit card transactions. If you do n't choose an option when you open your account, " No '' is automatically selected for you. 

***************Note that the term " everday debit card transactions '' is not defined anywhere - not even in the " Important Information including legal disclosures '' that, in order to proceed, XXXX must confirm having read. [ But note also that XXXX can click the 'yes ' button, and proceed, without having taken even a glimpse of said fine print. ] Fortunately, I called my local Chase branch to get clarification - only to find that the term 'everyday debit card transactions ' does not include RECURRING debit card transactions. 

It 's conceivable that Chase 's other account holders are sufficiently cunning and sophisticated to be aware of what I had to ferret out myself, but I 'd wager that this is n't the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
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:
Navient cheated me out my rights to lower repayment, did not informed me of other programs that would better fit my income. Navient has damage my credit by reporting incorrect information, as a struggling borrower I was mislead into forbearance would be the same as income driven repayment plan. Very poor service, and has cause a great big hardship on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Having issues with repayment for years, I called XX/XX/XXXX to put my account into forebearance and set up " auto payments '' for 15 months. I accrued late fees on my account, because it was not made clear that changing the due date was passed to actual due date, which ultimately made my account " in the red zone '' ... .for months! Seven months later, I had " auto debit '' coming from a different account, which is different than auto payments, which again was not made clear. Making double payments for 2 months, I accrued late fee charges through my banks, because I did not know how to stop this from happening. I called XX/XX/XXXX to have the " auto debit '' cancelled and to continue with the " auto payments '' that I had originally set up back in XX/XX/XXXX, for a specific date. Now it 's XX/XX/XXXX. I just got off the phone with Navient. I talked to people in customer service and collections. I talked about my account still being debited for payments, accruing late fees with my personal bank. I was furious with them. They try to transfer me to different departments " trying '' to figure out my account, late fees, and double payments. Ultimately, I am so discouraged, I do not trust that they will take the correct amount from my account on the said date. I owe a large sum of money, work full time, live with my parents to save money, and still can not make payments. They do no explain what they are doing, until I am screaming at them through the phone, making myself so upset I am literally XXXX. Customer service does not/ can not see what collections does and vice versa. I am making a formal complaint because they assume the borrowers know exactly what is happening with their accounts and money. They do not explain anything and will tell you whatever you want to hear. I do not trust this company. I wish there was a way out, for my own personal sanity and not be financially burdened by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: TN
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 'm making this complaint against Navient, who is currently my student loan provider, which once was XXXX XXXX. I want to start off by saying that I graduated from Virginia XXXX College in XXXX, and when I graduated, I owed almost {$49000.00} for my loans. It is now XXXX, and I still owe almost {$43000.00}. So I only paid off {$6000.00} in 12 years. That just does n't add up. Moreover, when I 've looked at my statements, they do n't make enough sense to understand how my payments are being applied. They just kept increasing my payments every year. It went from {$220.00} per month for a little while, then just kept gradually going up to {$260.00}, then {$270.00}, and then to over {$330.00}. Furthermore, I changed jobs in XXXX, and I could n't afford the monthly payment they had me on, so they pushed me into deferment for my loans. I did n't pay on my loans for several months, and then they finally offered me income based repayment. So it lowered my payment to {$98.00} per month, which was all I could afford at the time. So they had me on that for a year, and then when I reapplied for it in XXXX, my payment went from {$98.00} to {$220.00}, which made absolutely no sense because it was still supposed to be income based repayment. I knew my payment would go up a little because I got a raise, but my income had not increased enough to justify making my payment over {$200.00} a month. So once again, they offered to put off my payments, but this time they pushed me into doing forbearance. So I had it in forbearance for over six months, now I 'm currently back to paying {$220.00} per month, which I can barely afford. I 'm barely making ends meet, and they refuse to work with me at all. They refuse to lower it anymore. The only thing they ever offer is forbearance or deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One gave false and misleading information stating if we paid off the card in full we would receive our credit lineback. They now refuse to give the credit line back after the card was paid in full. We have XXXX other accounts in the same sitiation they released when they were paid in full. We have been told a collective XXXX difference reasons why the account can not be reopened and are not completing the requested phone call reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: CL Holdings LLC
State: FL
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:
In XXXX when my credit report was run by a mortgage lender on XXXX XXXX, XXXX I was advised that an entity " Jefferson Capital System LLC '' had an account with an open date of XXXX/XXXX/XXXX. This was a debt that was purchase from XXXX that was in dispute in XXXX XXXX. 

I did not receive a letter in the mail until XXXX XXXX, XXXX ; dated XXXX XXXX, XXXX. 

This company not only falsified an account open and closed dated, but also did not notify me by mail, and pushed the first reported delinquency date of the account to XXXX XXXX. 

Please could I get some help with this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was scammed by a fake tech support company- '' XXXX ''. B of A said I had to provide proof that I was scammed because the scammer provided B of A with a bogus electronic contract with my name on it stating that I agreed to pay XXXX {$140.00} plus a foreign charge!!! B of A denied my claim and believed the scammer!! 

I talked to the claims department by phone and convinced them to reopen my case. A couple days later I provided proof in print that this company scams people. Mine happened to be in connection with XXXX. I researched the internet and found an article stating that XXXX support was a known scammer. I faxed the article to B of A, plus provided B of A the site address so they could confirm this. Then I got a letter from B of A saying my claim was once again denied because the evidence was n't submitted in the required time frame. I faxed it all in right away!!!! 

B of A said I should contact the scammer to see if I could get my money back! Seriously??????? None of this is making any sense to me. I am thinking I am slipping through the cracks of their system. 

I have been a preferred customer since the XX/XX/XXXX 's and they would rather lose me as a customer over $ XXXX. None of this makes sense. I will be going to XXXX XXXX. I did n't realize B of A had such a bad reputation. I thought they protected their client 's money. I was wrong! I am also checking into suing B of A. It is n't the amount of money, it is the PRINCIPLE! As long as these internet scammers get away with this, the more they will keep doing what they do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX mortgage company select portfolio servinging. Acct # XXXX On XX/XX/XXXX we appointed a new insurance agent for our home insurance policy. The agent informed us that we were not given the correct policy for our home from the prior agent. We were under covered by the company. We decided to go with the new account, As you probably know in XXXX Florida you must get a re inspection of the policy in order to update the policy. We went ahead and renewed our policy. Select portfolio is now stating that we must pay an {$300.00} for lapse of insurance. We never had a lapse it takes the new company to send inspection and must go through underwriting to create the new policy. During this course they was no damages to the property and we have all the forwarding information and conversions with the new agent. I feel its completely unfair for this company to now want to send me delinquent letter bill stating we owe them XXXX when the house is insured. We do not have an escrow account with our mortgage company. Once again I fell its a tactic for them to continue to charge bogus amounts to there client. We have had continuous problems with them and they continue to hassle home owners. we tried resolving the issue with them over the phone and to no help. Now we received a certified letter about this XXXX bill. 

Please if there is anyway we can help us to resolve this matter. 

our insurance policy is through citizen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Former employer is making me responsible for business expenses incurred. I am not sure if expenses were due to fraudulent activity. Company would not give me statements. I sent Credit Card company payment for expenses I was responsible for. I am being told to pay expenses I DO NOT OWE. Company sent me letter if I DO NOT contest in 30 days I WILL BE responsible for amount. Please advise. Please help me protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
my ex wife made charges and balance transfers to my cc without my knowledge i filed a dispute and they denied said they verified i owned the accounts of the balance transfer, i called the banks involved first merit and barclay card and they verified that i have NO accounts they are trying to hold me responsible for this fraud and are violating the FCBA, then she told me to goto bank of america branch and i told her i dont live close to one the nearest one is XXXX+ miles away she said will i need to go she is making it hard for me and im not healthy too i just had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: First Service Residential, Nevada, LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am trustee on a home my mother owned. There were several XXXX dues levied on a monthly basis. XXXX XXXX contracts with First Service Residential for billing. I was not receiving bills in a timely manner. At the time of my mother 's death, the XXXX dues were due for about three months. I paid in full, and the XXXX cashed the check. Not two days later, I received a collection notice showing that over an entire year 's worth of dues were owed. I provided a written notice within 30 days disputing the debt stating it was paid and providing records. I asked Red Rock Financial Services ( the collection agency ) to verify the debt. I received no such records. I am now in the middle of selling the home. At signing, I was presented with a settlement statement from the title company stating that the XXXX dues are in collection status and that the amount still owed is significantly higher than the yearly amount. I still have received no justification for this amount and from where it has arisen given that the fees were paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My dad was the victim of fraud on his Bank of America card. I tried and he tried for literal XXXX hours to get through to them. XXXX they put my dad on hold when he gave permission for them to talk to me. Then I was on hold for the same amount of time to talk to them. Once I got on they started quizzing me about details on his account. Nobody told either of us that I would need to provide this kind of information. After XXXX minutes of being quizzed and put on hold I asked to talk to a supervisor. I waited another XXXX minutes to talk to the supervisor who asked me none of the questions the XXXX fraud department person did. I told the supervisor that their customer service was TERRIBLE. Then after I told him that these unscrupulous mints had put over {$25000.00} of charges on my dad 's account, he told me at first that they would take care of it. Then he said since my dad had made a payment on the charges in the past, they might not be able to call it fraud. I told him that these salesmen were calling him at XXXX XXXX, lying to him about the value of the coins, telling him they could help him make a lot of money on coins that are virtually worthless, bullying him, threatening him and asking for his bank account information. I then said that if they did n't take care of this we would hire a lawyer and sue them. These fake mints have been sued over and over for lying to customers and misrepresenting their products. So I asked him why Bank of America was letting charges from these companies, in these amounts especially, go through without scrutiny.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have vehemently contested the wrongful foreclosure of my home by Bank of America since XXXX 2012. Notwithstanding, the lawsuit I filed on XXXX XXXX, 2012 is currently pending in the XXXX XXXX XXXX XXXX XXXX. 

I have filed complaints with the CFPB, HUD Inspector General, and the Courts. 

However, while the lawsuit is pending, Bank of America has transferred the servicing of a XXXX balance loan to XXXX to collect. 

Bank of America has never tried to collect any debt from me after the foreclosure sale of the property on XXXX XXXX, 2012. 


I 've attached documents to substantiate my claims.

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 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a complaint about bank of America on this web site in XXXX. My issues were that I was unhappy because they had done a modification on our mortgage in 2009 when we were having trouble through the recession. Instead of offering us a harp modification they extended our mortgage to 40 years so that the payments we slightly lower than before but now we were n't paying hardly anything to the principal but most of our payment went to interest. After I posted on this site back in XXXX, BOA was in contact with me and offered me another 40 year extension!!! This company robs people! We have called our attorney to see what we can do against this company and are going to refinance with a different bank as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I am being sued by Midland Funding , LLC. for a XXXX credit account. 

In XX/XX/XXXX I was offered a debit relief settlement over the phone. I was to make the payment on or before the account due date. When I went to make the payment at the store the account was closed. 

The summons from Midland Funding , LLC shows in a statement that the account was closed prior the to the due date. 

Documents presented by Midland Funding LLC do not include any arbitration information for the account and serve to further my claim the account was closed prior to the due date. 

The court date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Wilber and Associates, P.C.
State: ID
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Several of the issue choices above apply to this complaint. I received a debt collection letter from Wilbur & Associates, dated XXXX/XXXX/XXXX stating their client had compensated it 's insured for a loss, etc. etc. etc. ( A copy of which is attached ) & stated that they wanted to settle things with me in an amicable fashion & my cooperation was required to REACH a complete resolution so I needed to make a check payable to XXXX in the amount of {$3700.00} & mail it to them XXXX Wilbur & Associates ). 
Then approximately 1 week later, roughly around XXXX XXXX or XXXX XXXX, I received a telephone call from a XXXX representative while I was at work & the person I spoke with kept trying to get me to admit & commit to paying this {$3700.00} & when I kept telling him I did n't know what he was talking about he started threatening me with having my license suspended, and how he was going to enjoy me having to crawl back to him in order to get my license back if I continued to refuse to pay this debt. I finally became so angry that I hung up on him and decided to seek out legal help to write a letter to this Wilbur and Associates, demanding that they validate the debt and that they nor their client XXXX, initiate any further contact with me other than through writing. 
This letter was then mailed out to them, with return receipt requested ( a copy of which is also attached ). 
Wilbur and Associates failed to validate the debt as described by the FDCPA and provide me the correct documentation I requested within the allotted time, therefore making this claim voided & closed. 
On XXXX/XXXX/XXXX, I received a letter from Wilbur & Associates ( a copy of it & it 's content is attatched ). It was at this time I had decided to file a complaint and before I could do so I have received yet another letter, dated XXXX/XXXX/XXXX, this one being from XXXX, demanding payment in the amount of {$3700.00} for their client XXXX. ( a copy of which is attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Credit Adjustments Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt continues to be reported as an unpaid collection account. This was paid in full and verification of that payment was provided to this collection agency via certified mail with return receipt attached. This needs to to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation