BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/2016 at approximately XXXX, I called XXXX to inquire about an Amex Everyday Credit Card offer I received in the mail. I spoke with a woman named XXXX XXXX and explained that my only interest in applying is so that I can consolidate some debit form another credit card I already had. I stated that if the credit limit was n't high enough for my balance transfer needs, I would be declining the offer. 

At the end of the phone call, XXXX said I had qualified for a {$2000.00} credit limit and I told I would like to decline at this time because the limit was n't sufficient to help with my consolidation. XXXX said I would receive some information in the mail, and if the card came, to just " ignore '' it and nothing would happen. 

By XXXX/XXXX/2016, I started receiving letters with my new PIN and also a letter stating that my balance transfer was n't approved. I later also received my physical card in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: CHECK INTO CASH INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is reporting a collection on my credit reports for a " Check into Cash '' payday loan claiming it was opened XX/XX/XXXX. for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Brent D. Stamps, Attorney at Law
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Phone call was received, the medical debt collection agency identified themself as a law firm. No statement regarding this debt has been received and when asked for information he said he would forward it to the attorney. He continued to say this when asked for more information regarding this debt. And he said this XXXX times. He spoke to a spouse regarding this debt, which without prior authorization from me, the patient, I feel is a violation of XXXX. The caller was hostile, threatening and vague. When explained that there was no difficulty in paying the debt once we had received verification of their company, he continued to refuse to agree to send us any information in writing regarding this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
1 ) About XXXX, 2016 ( when I XXXX became aware of their derogatory report in my Credit File ) I sent a mailed Request to the company [ Midland ] in XXXX XXXX, Calif. to remove the False & Derogatory Report with the ( XXXX ) Credit Bureaus. They Failed/Refused to respond. 

2 ) XXXX XXXX, 2016, I sent a Request to [ all XXXX Credit Bureaus ] to Dispute the False Comment by [ Midland ] and Requesting they Remove it. No Reply to date. 

3 ) XXXX XXXX, 2016, I sent a XXXX complaint on [ Midland ] to Calif. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been unable to repay my loans. We make just enough to pay our bills and I even sell scrap metal to earn extra money some months. My wife has a lot of medical issues and should not be working but can not afford to quit. I myself have an XXXX and half of a left XXXX, we both have permanent XXXX., but I ca n't afford to quit either. Now Pioneer Credit is calling my family members and sending me letters threatening to garnish my wages.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is my XXXX Complaint addressed to the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following fraudulent items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2015-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I called my bank BOFA to ask for a new debit card as the one I have the magnetic strip seem to be worn. They told me that I have to pay {$5.00} to replace it because it is not expired as yet. Is this fair to ask a consumer to pay for a new debit card?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
We had a cash reward credit card with Bank of America as well as Checking Account. Since XX/XX/XXXX, we start to experience issue with the credit card, we kept seeing interest charged to the account even we paid off the full balance every month. We contacted the customer service and the interest were waived, but then the following month it continues to charge with interest. Called the custom service again, this time the explanation was the interest is continues to charge every day even your balance is paid in full every month regardless if you have a balance. This is NOT disclosed in the term and condition, as off now we have had been charged closed to more then {$500.00} in interests even the account has been paid in full. Another issue with BoA is that we originally set up an automatic payment that linked our checking account to this credit card account through their online system, but the account was never set up even we got an successful completion at the end of the process then we called their customer service, the representative claimed that they were having issue with the IVR system that could be the reason that it did n't successfully set up. She went ahead and set up the linkage but as off today it was never set up correctly.

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 2016-03-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
On a daily basis, I 'm harassed by Navient debt collectors. They 've called my house anywhere from XXXX XXXX repeatedly. They 've called my mother 's job repeatedly and has harassed her co-workers on her whereabouts giving them information that does n't concern them. I understand I 'm unable to pay the amount they 've requested at the moment due to financial hardships but we have offered to pay half of what they have requested until my financial situation changes. There rude, disrespectful, and have asked me to put myself in more debt just to pay there loan. It 's just ridiculous now. They continue to harass my mother with wage garnishments, and property liens. We 've spoke with someone continuously about the same thing and there 's no resolution just the same outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The issue at hand is one of timely response of the lender to borrowers inquiry. A response from the lender is still outstanding as of this complaint submission. In summary, the borrower began graduate studies during the autumn of XX/XX/XXXX. The enrollment triggered a deferment effective XX/XX/XXXX on borrowers student loans which were secured to fund XXXX education. Borrower contacted servicer on XX/XX/XXXX to request removal of deferment in order to continue progress towards the 120 qualified payments required for Public Service Loan Forgiveness. Borrower continued to submit full and timely monthly loan payments. Deferment was removed with retro effective date XX/XX/XXXX and loans were returned to repayment status. Borrower then submitted an Employment Certification Form on XX/XX/XXXX to ensure continued compliance with XXXX guidelines and accuracy of qualified payment tracking. Servicer responded on XX/XX/XXXX certifying 7 payments for the period XX/XX/XXXX XX/XX/XXXX. Borrower believes the correct number of qualified payments to be 11 for the period XX/XX/XXXX - XX/XX/XXXX, and that the payments shown in Table 1 were excluded as qualified payments. Borrower contacted Servicer on XX/XX/XXXX to initiate review of the 4 payments shown in Table 1 and was told to allow 90 days in order for the completion of the review.

Per page 37 of the document titled CFPB XXXX XXXX XXXX XXXX, the servicer must respond to borrower inquiries within a reasonable time period which is further specified to be within 30 days. The servicer has not responded in over 90 days to an inquiry involving a recent time period, a small number of payments, and limited analysis of policy and procedures. Further, the borrower contacted the servicer on XX/XX/XXXX to check status on the review and to inform the servicer that a response was expected within 90 days of XX/XX/XXXX. The borrower requests the assistance of the Consumer Financial Protection Bureau towards a response from the servicer. 

Table 1 : Payments in Question Date of Payment - Amount - Due Date of Payment - Number of Days from Due Date to Date of Payment XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 13 XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 6 XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 2 XX/XX/XXXX - $ XXXX - XX/XX/XXXX - 0 *New payment amount based on Income-Driven Repayment plan recertification Table 2 : Criteria for Qualifying Payments A payment is considered as qualified if it is made : After XX/XX/XXXX While employed full-time at a qualifying employer Under a qualifying repayment plan On-time ( no later than 15 days after the scheduled due date ) Each month, satisfying the installment amount due for that month in full When the loan is being actively billed, and is not in a default status

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX is still listed as a judgment on my report. this was paid and removed from XXXX after a dispute and sent receipts and the dispute results to TransUnion only to be ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Navient Solutions, LLC.
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:
went to XXXX in XXXX was pushed into loans wich i thought were loans i didnt have to pay back i attended for a couple months with substitute teachers not real ones wich i was paying for never graduated from dropped the the program now years later im in default because they took the money from theses loans when i never attened clsses for because i dropped out. so i owe them tons of money for a education i never got

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Naviet has on multiple occasions put checks and charges through my debit cards even when I have called to inform them that the funds were not there or need to postpone a payment. Even when I paid it they did not cancelled the payment and sent payment through anyway even after saying that they would. I am being harressed and my co borrow also they call 10 times a day each and everyday. This company XXXX XXXX aka Naviet are loan sharks and a predator lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
When my Stafford subsidized loan was serviced with just XXXX, my interest rate was 5.8 %. Since they were sued and split into XXXX companies, my same loan from Navient is listed as 6.8 %. I signed a promissory note back in college to a fixed interest rate and they changed it when the " new '' company took my loan over. I have screen shots to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Follow up to complaint # XXXX - Dated XXXX/XXXX/XXXX and complaint # XXXX - Dated XXXX/XXXX/XXXX This is an on going case since XXXX I paid off my entire mortgage loan balance with chase as of date today - Chase still did not issue the lien release of my mortgage. As of result of this, I have not been able to sell my house. 
I have legal Representation who is acting on my behalf. 
His Contact information is as follows : Law Office of XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Between XX/XX/2016 and XX/XX/2016 I was ammassed over XXXX dollars in overdraft fees. 
Because of the banks decision to sequence the transactions in such a fashion that instead of having a balance of just under XXXX dollars I was charged with XXXX overdraft charges even though deposits were made to cover and shortfall I have made frequent attempts to rectify this matter with chase bank with out a positive response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23
Company: Navient Solutions, LLC.
State: MN
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:
Navient has taken auto debated from my account for two months after payoff of my Federal Direct student loans. The first withdraw was after full payment, the second withdrawal was after auto withdraw enrollment had ended. Navient also adjusted a balance onto the account at the time of the second withdrawal XXXX XXXX documents signed and returned. Checks for {$120000.00} sent to Navient XXXX Navient posted the received amount with resulting {$89.00} credit ( Date of zero balance ) All loans posted correctly. 
XXXX Navient initiated auto withdrawal of {$1900.00} from Savings Acc. ( Should have not been withdrawn ) After calling in, the rep. stated that the payment would be reversed and that the money should be going back to the savings acct. Agent of Navient suggested contacting bank. 
XXXX XXXX, payment reversal of XXXX posted to account. 
XXXX XXXX bank stated there was no indication of payment reversal. Explained the situation to the bank, Funds refunded. Stop Hold placed on account. 
XXXX Navient posted new balance of XXXX, backdated to XXXX, no capitalized interest as of XXXX, but now earning interest. 
XXXX Navient initiated auto withdrawl of XXXX from Savings account without permission and without being enrolled in auto withdrawal. 
Navient claimed the XXXX withdrawal was blocked, my bank claims the money has already transferred to Navient. 
I 'm asking that Navient send a payment in full letter dated for XXXX/XXXX/2016 per payoff date. I 'm asking for XXXX payed per overpayment. In addition, I demand quick response and return of the funds amounting to XXXX taken without permission or authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04
Company: Navient Solutions, LLC.
State: FL
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:
I have been paying my loans on time for years and the balance never goes down. XXXX XXXX Navient does not provide enough information for me to understand how they are continuing to XXXX me. I signed up for these loans as a kid so I understand I signed a contract for the load fees/ origination fees, variable interest rates etc. 
However, the information provided does not show the loan balance. It simply shows what has been applied to interest and what was applied to principal. The thing is in my budget I write down my last balance for each loan and even though the loans are in repayment they continue to increase in the amount owed. 
I have also noticed " Repayment Fees '' this is ridiculous considering how all of my loans have doubled in value and my monthly payments do nothing ( I understand amortization, but for the loan balance to continue increasing while in repayment is inexplicable. ) I called to speak to someone about the fees and they assured me the account would be credited ... it was not. The people who work at the call center barely speak English, never mind understanding my concern with the loan balance continuing to rise while in repayment. This company needs to provide a running balance to show how each payment has effected the total of the loan. Otherwise, they are continuing to rob us blind more so than they can legally. 

I have attached a screen shot of the information Navient provides to its customers. As you can see I have paid interest and principal payments, however somehow the balance I owe has increased ... .. They are playing games and this is most likely illegal. They need to show how each payment effects the balance and if more interest is charge in a month ( because of the variable rate I am sure ) they need to show that as well. These loans will never be paid at this rate and my total SL per month = {$1600.00}, how am I supposed to live with this payment especially if the balances only increase over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Credit determination

Complaint:
I received a letter from Chase saying I was eligible to apply for a Chase XXXX business credit card for my business. I applied for the card and received a letter telling me I was denied because I had had too many credit cards opened in the previous XXXX years. I called their help line and was informed that even though I had never missed a late payment on a credit card, my FICO score is XXXX, and XXXX of the XXXX credit cards in my credit history were closed at the time of the application, and the XXXX credit card I still have open is a Chase credit card with a {$31000.00} limit, that they would not approve me for another credit card. 

I expressed that I was willing to provide Chase bank with additional proof, including statements and other information from XXXX other Chase XXXX cards that I had received over the past XXXX years to demonstrate my credit-worthiness, in accordance with XXXX Rules concerning evaluation of applications. ( XXXX ) XXXX history. ( ii ) which reads : " On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. '' I can clearly prove that I am creditworthy by any standard, and believe that Chase is denying me credit for a reason other than the XXXX they are communicating, or that the criteria they are using ( the number of credit cards I had open ) is outside of any behavior that would indicate that I am credit worthy. I have been opening and closing multiple credit cards per year, mostly with Chase, for over XXXX years, and this has never been a problem and has never negatively affected my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?

Company response to consumer: Closed with explanation