BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-06
Company: ASSOCIATED BANC-CORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
As the victim of identity theft, I should not need to prove my innocence to recover money that was stolen from me. 

On XXXX XXXX, 2015, my checking account debit card was used without my knowledge and without my consent for {$850.00}. According to the bank, my card was used at a XXXX XXXX at XXXX on XXXX XXXX, and it was done in person. They said the only way that it could have happened was if someone copied my card and signed in person. Great. I was at work all day and have physical evidence that I was there the entire day. This transaction could not have been done my me. I am the victim of identity theft. 

I went to Associated Bank on XXXX XXXX, XXXX and XXXX in an attempt to dispute the transaction. I was told the first two times that I needed to wait until the transaction was no longer pending to dispute it. On the XXXX, I was able to successfully dispute the transaction, and the bank told me that they needed to conduct their own investigation. The lady who helped me told me that " as bad as this may sound, the more you try to prove your innocence, the better it will help your case. '' At her advice I went to the XXXX XXXX the incident occurred at with the information the bank had given me. XXXX XXXX informed me to file a police report, and I did in XXXX, MN with the incredibly helpful Officer XXXX ( Badge XXXX ). The case file number is XXXX. 

I have done everything Associated Bank has asked me to do to prove my innocence. They have provided me with no evidence that I made the purchase, yet they insist on not returning my money until XXXX XXXX at the earliest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 account # 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 explanation
Consumer complaint received 2022-05-23
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022, I logged onto my chase credit card app to review my recent credit card activity. When I scrolled to the bottom of the page, it said I was already approved for a new chase sapphire credit card. 

On the same day, I determined I wanted this credit card, so I clicked the button to submit my info to get the card. I instantly got a notification and email saying that theyve received my request for a new card, and my application is under review. Had I known that I wasnt going to be instantly approved, and that it could take up to 30 days for them to decide, I would of never applied for the card. 

I then contacted them via phone on XX/XX/2022 to figure out whats going on and they said there is nothing they can do and my application is being reviewed. This is an unfair practice. They advertised the offer to me as being approved, but then deceptively did not honor that, and are now making my application to be reviewed. I asked them if they could cancel my application and they said no. 

Now theres a hard hit on my credit report for a credit card I dont even want or wont even use because the company is deceptive. 

How can I go about getting this off my record?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am getting the runaround from the holder of my FHA mortgage loan Bank of America. I experienced a true hardship about a year ago when I was laid off from my job. I began trying to reach out with Bank of America in order to apply for some type of assistance since I missed several mortgage payments. I was assigned to someone named XXXX XXXX who said she was going to help me get back on track. After going back and forth for many weeks I was told that my request was denied because I did not make enough money. I found this hard to believe, and went back through all of the paperwork. I then resubmitted all of the information again to Bank of America. After going back and forth for several weeks I was told once again that I was denied for help. However, this time I was told that I was denied because I made too much money? This did not make any sense, and led me to believe that Bank of America is not playing fair and is more interested in pushing me into foreclosure. I know that there are FHA programs available to help struggling homeowners. I was approved for a modification back in 2013 when my hours were cut at work. I was able to make my payments on this modification as agreed until I was laid off from my job. Now Bank of America is moving me into foreclosure. 

I have owned my home for 10 years. I have gone through many financial struggles which have caused me to periodically struggle with this loan and the payments. But I have always righted the ship and settled up and gotten back into good standing. At this time I am back working XXXX. I also have a live in girlfriend who is contributing 100 % of her monthly income from her job XXXX. If B of A were to conduct a current and correct assessment of our financial situation they would see that we fit into the guidelines for assistance. The problem is that it seems that their agents are intentionally obstructing the process and providing false and misleading information. 

The value of this home is far less than what is owed at this time. But I view this as my home, not as an investment and I want to fight to save it. I know that FHA has several different programs in place to help struggling homeowners and I believe that Bank of America is not following the rules and guidelines in this process.

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 2016-03-29
Company: Trident Asset Management, L.L.C.
State: VA
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 have sent Trident Asset Management XXXX requests for Validation of debt, which I have the right to do under the FDCPA. They have not replied at all to either of them. This is illegal. 

They are saying on the credit report that they are collecting on an old XXXX account. I believe that this account does not have any balance owed and should have been removed from my credit reports years ago. 

I need this off my credit reports as it is lowering my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03
Company: BARCLAYS BANK DELAWARE
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement

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 2016-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I attempted to file bankruptcy ( chapter XXXX ) in XX/XX/XXXX which did not go through. the property was foreclosed upon while I filed bankruptcy ( chapter XXXX ) in XX/XX/XXXX. The bankruptcy was finalized in XX/XX/XXXX, but my name remains on the title excluding me from refinancing my current home.

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 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company bank of america.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: DISCOVER BANK
State: IA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My mother had a Discover card, and she purchased the protection plan. She showed it to me when we were going through her records before she passed away. I helped her file a XXXX claim a few months before she died. My mother also told me that the protection plan had a death benefit : the balance would be covered if she died. After she passed I called Discover to inform them of her passing. They told me that she did not have this death benefit, even though they told my mom she did. I sent the death certificate in as requested and immediately received a letter stating the full balance was due immediately. My mom sold everything in the months prior to her death. She was battling XXXX and needed money for hospital expenses. I have consulted our estate attorney, but no progress yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had a federal loan with XXXX ( now navient since 2016 ). Most of my payments have gone towards interest although I have been paying the loan for 10 years, with XXXX forbearances for less than 4 months each. To date, the loan is actually more than it was when I took it out. I 've been requesting an amortization of monthly payments which I have made and an ongoing balance from Navient for the past month by phone and have not been met with satisfaction. Navient says this information is available online, and it is not! They do not offer tech support to customers. 

How can I have paid so long for this loan and not even make a dent in it? I understand paying interest but surely by ten years in I should have paid more towards this loan. I 've benn on income based- for the past three years to get some relief .... 
I need answers and help! 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had about XXXX in student loan debt with navient. I recently consolidated with the federal government on all loans except XXXX private loans totaling XXXX. Since it appeared my private loans were close to repayment, my monthly payments spiked drastically and I am not able to pay them on top of my consolidated loan payments with XXXX. My loan payments went from {$80.00} to {$400.00} after I consolidated. They wo n't stretch out my repayment term. When I tried to lower my payments, they said no. When I asked for a forbearance, they refused as well. They wo n't lower the interest, they wo n't do anything AT ALL. I have nearly {$1500.00} in student loan payments each month ( this is way bigger than my paycheck ). It is impossible for me to do ANYTHING right now, and Navient will refuse to work with me in any way. This is predatory lending! They are preying on low income students and offering no assistance. I am out of ideas, next move would be to get a lawyer and fight them in court ( precedent in XXXX and XXXX shows that consumers have beaten Navient and XXXX XXXX over similar issues ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Bank of america for years now they have lied numerous time to me, they switched a really good modification on me without even asking me or even telling me the reasons why, even though i made 3 trail payments. and later they said they were going to fix it and they never did, and the payments were a lot more higher then what i was informed, due to that i had to default on my payments. Now im being told my house is being sold even though i provided proof to them and they are very rude and inconsiderate and would never let me speak at all. I will provide a letter of complaint that I faxed over to them because recently i was lied to again and i was told there was a proposal made for me but that was not true, they only made a proposal to the investor and I was n't supposed to know this information. they gave me the information on how much it was supposed to be and even the Assistant Vice President from the Bank of American who was XXXX XXXX even confirmed that I qualify for a modification with my income and expenses, he could n't even understand why i did n't get qualified for a new modification and they were denying me assistance, and he even escalated my case from his end with no positive results. I 'm Attaching the complaint letter that I send to Bank Of America, and the proof of modification that was given to me and they never honored it and they changed to terms of the modification without even letting me know. Even though i made the 3 trail payment which was {$1200.00} on these dates XX/XX/2010,XX/XX/2010,XX/XX/2010. 
I had nowhere else to turn and hopefully I can be assisted by your organization. 
Thank you for your consideration.

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 2016-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had two different answers from two associates. I have one response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they both have a unanswered response to my complaint and now I have attached their responses. Right now, I am not understanding both of your views.

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 2016-09-10
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continued calls to my phone two or three times a day for 7 months. The number calling, XXXX XXXX XXXX does not leave message and when I have answered, no one speaks but simply hangs up. We are seniors living in retirement and have no debt as our home mortgage paid off many years ago. The company calling is CBE Group as when I called number back a recording gave this business name. We are also on DO NOT CALL REGISTRY. Obviously the company is either trying to sell something or have wrong number. We consider these calls to be harassing to us and muse stop at once. We will hire an attorney if necessary to cease this type of repeated harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to refinance my home for over two years. The servicing company select portfolio servicing has been giving me the runaround consistently for this entire time. I have submitted and resubmitted paperwork in various forms for them over and over again with no true excuse as to why they were needed submitted in another manner. They hide behind " the program requires that we ... '' And continue to ask me to provide different information. Frankly, I am uncomfortable that they do not even own the right to collect my mortgage and have contacted them requesting a QIR. I have done so by certified mail and they have not met their obligation of even answering this request. They have however sent me a paid off quote that I did not request. This was a predatory loan to begin with, and I am trying to resolve the XXXX that I have been feeling for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I legitimately owe Walmart MasterCard ( Synchrony Bank ) money. But I have told them many times on the phone that I ca n't make my payments so I will be consolidating all of the credit cards I owe together for one monthly payment that will be distributed each month to all the credit cards I owe through my debt management plan that I 'm on. Yet, this number continues calling me day and night! They call in excess OVER 15 times a day, some calls are before XXXX and well after XXXX, I 've gotten calls at XXXX before. It 's gotten ridiculous, my phone rings all the time and I know it 's them.

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 2016-04-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Applied for loan/did not receive money

Complaint:
To Whom It May Concern : My name is XXXX XXXX and I would like file a formal compliant of XXXX and racial discrimination against, Springleaf. I applied for a loan where I was trying to consolidate some debt and because at the time : I advised them of my race and XXXX and I did get the loan amount needed. I had to use my car, XXXX Nissan Sentra, as a form of collateral in order to get a loan of {$2000.00}. I was advised that my payments would be no more than {$180.00} but I have been charged an online charge of {$2.00} each time I have to pay online. I was never advised of this information. I was also never advised completely of the high interest charges and now I 've learned that it will take me three years to pay off the loan. 
Springleaf also placed me on some type of program where I would get towing and other services but never provided me the information. It was until I made contact with their corporate office in which that information was given. Their corporate office claims that the factors surrounding my credit worthiness had nothing to do with race or XXXX and yet have not been able to provide me evidence upon request. 
Sorry, but I paid for a first-class service, and I expect to receive it. Please contact me within ten days to arrange talks in settling these affairs. In other words, I am seeking that the loan be paid out in full and satisfied. I am also seeking mental anguish and punitive damages. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit and had NO idea I had done so. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company keeps calling my work place, and leaving automated messages asking for me to call them back. My coworkers get the call, and tell me about the " personal '' messages that sound very concerning. 

I do not want to be reached at my place of work, and I have no idea why I 'm being contacted in the first place.

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