BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The company representative called my employer and left a message asking for me, in regards to collecting a debt which had already gone to litigation with the SAME company back in XXXX/XXXX/15 and had been voluntarily dismissed. The complaint was dismissed because the statute of limitations had passed and for lack of privity. They are illegally attempting to collect a debt they have no grounds on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Netspend Corporation
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Received and Debit card from netspend of XXXX TX that I did not request. 
You need to read the fine print to realize why you got it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC has requested a copy of my current full credit report. The credit report I 'm sending was pulled through the Federal Trade Commission which directed me to XXXX. I pulled the XXXX full report file # XXXX dated XX/XX/XXXX. You 'll see the last XXXX digit of my social security number, date of birth, address. Account information not pertaining to the Ocwen Loan Servicing , LLC was redacted. However I did reveal that ALL of my accounts are in good standing. 
From Page XXXX-XXXX You will see Ocwen Loan Servicing credit information which starts from XX/XX/XXXX thru the last reported date of XX/XX/XXXX. On page XXXX, the credit report shows the date the account was opened on XX/XX/XXXX as a joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The debt was resulted from Identity theft i do not have knowledge of the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Talked to Bank of America representatives on XX/XX/2016 about refund of bank withdrawal on XX/XX/2016. It is XX/XX/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21
Company: DISCOVER BANK
State: MA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
My prepaid card has XXXX $ on it. I called number on the back and After following the prompts, entering the number and expiration date, I got a voice recorded message that the card and the funds on it are no longer valid. The card is a prepaid discover, and the expiration was XX/XX/2015. Is there any way I can redeem the $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Prior to enrolling into XXXX my biggest request was scholarships. I was advise since I was from the XXXX XXXX vs being a resident of the state of Florida I do not qualified. I learned from another XXXX XXXX XXXX citizen this simply is n't true as they received assistance through scholarships. Being from the XXXX makes me a United States Citizen. I went to several XXXX reps who advised there is nothing they can do, and being a minority I owe what I owe. The school I enrolled and graduated from is XXXX in XXXX XXXX it has been closed down. Those employees no longer work for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: National Enterprise Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection agency constantly call me every hour all day long. They call my job all day as well. They call disclosing information that should not be disclosed. It is most definitely embarrassing. They call my cell phone late at night as well. The latest they have called me is after XXXX. I am really tired of this. There tactics are ridiculous!!! I would appreciate it if something could be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My husband had XXXX XXXX XXXX XX/XX/2010 with real problems. XXXX I wasnt even thinking about a house payment at this time. I called chase bank and was told that this one late payment wouldnt affect our credit because of the circumstance and low and behold this one late payment has crucified us. I hate the fact that Chase bank lied to us and you would think that after all this time they would at least remove this negative report from our credit report now. To begin with they lied about not r3eporting this one payment because of our issues at this time but they continue to report this and it has been 6 years.Its time to remove this from our credit report.Please contact Chase Bank I have contacted them numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX is selling prepaid gift cards that are not able to be used at merchants. They are supposed to be good at any merchant that takes XXXX XXXX, and the transactions are always declined no matter what amount the transaction is for. I believe the transaction decline is by design to deliberately make it difficult for customers to use their gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent 3 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never received any communication from the hospital or the collection agency. The only way I learned of the debt was through a credit report. The collection agency has failed to, upon request, send a bill and verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a mortgage with HSBC since XX/XX/XXXX. Although I received a loan modification in XX/XX/XXXX ( approximately ), my ARM has remained current now for several years. I have also been repaying an advance on taxes. Although my statements showed my interest rate of 3.44 % until XXXX XXXX, they increased the rate to 8.44 % XX/XX/XXXX ; which doubled my payments. This increase was immediately followed by the transfer of my loan to a company by the name of XXXX XXXX XXXX. Is there a connection between the unreasonable interest rate jump and the transfer of my loan? 
Now I have to work with the new company, XXXX XXXX, to modify. From what I read online, they have a terrible reputation when it comes to modifications and that the process can take years. I am completely stuck with a doubled mortgage payment while my husband is XXXX XXXX. The timing could n't be worse. Feel very betrayed by HSBC for putting me in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Citicard that was stolen from me and used to make fraudulent charges between XXXX XXXX XXXX and XXXX XXXX XXXX. I have spoke with Citi Cards approximately XXXX to XXXX time since then ( Today is XXXX/XXXX/XXXX ). Every time I have spoken with them they assure me that the charges are under investigation and will be removed in 5 to 7 business days. This has gone on for over six weeks and yet the charges have not been erased. Every time I call them I have to start the whole story over as though no record is being kept of situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/2016 - Checked my credit report and found inquiries from company on the following dates : XX/XX/2016 XX/XX/2016 I did not put in an application for this company and my credit report should not have been run.

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 2017-02-02
Company: MARINER FINANCE, LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The Mariner Finance agent called me, an existing customer, and offered an additional loan amount ( in addition to the approx. {$2700.00} I currently owe ). I do not feel that the agent properly disclosed all appropriate information related to : ( 1 ) the hard hit on my credit report, and ( 2 ) the very high interest rate on the loan.

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 2017-03-15
Company: Red Cedar Associates LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: 21ST MORTGAGE CORP.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, or whomever actually controls our mortgage ( XXXX 2012 XXXX? ) transferred our mortgage to 21st Mortgage to avoid modification when XXXX settlement was made with AGs. This stems from a predatory loan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Yet once more CHASE BANK is XXXX me after I have done what they asked of me and that is sending in over {$1300.00} month for three months on another trial modification they told me I qualified for. NO I could never qualify for a mod under the " Making Home Affordable Plan ''. They knew I could n't qualify and expected me to commit perjury by signing a document that states I own not more than XXXX properties. Now they say I do not qualify after they have been given all of my documents. They are nothing but crooks. Please help me. Now they say I have to yet again apply for another modification, an in house CHASE modification. It has been 7 1/2 years of pure XXXX. PLEASE wo n't you help me? They do not abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a SYNCB/WALMART DUAL CARD. Unbeknownst to me, my credit line was erroneously lowered back in XX/XX/2014 from {$8000.00} to {$1500.00} without any notification. This has had a negative affect on my credit and FICO score, despite both being high. Still they were adversely affected. I am requesting for the original credit line to be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: SYNCHRONY FINANCIAL
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX my identity was stolen when my health insurance company was hacked. Somebody filed a phony tax return in my name. I got that cleaned up and thought everything was over. In XXXX XXXX the XXXX was breached and a person in OK XXXX had my mail forwarded to them illegally. There was enough evidence that a police report was filed. The following week I learned that XXXX credit accounts were opened in my name and cards were sent to OK XXXX ( someplace I have never been to and is XXXX hours away ) I was able to contact and correct the issue with XXXX out of XXXX banks/lenders. I first called XXXX on XXXX/XXXX/XXXX and was assured that the fraudulent report would be removed from my credit report. A few weeks later I received a letter dated XXXX/XXXX/XXXX stating that they were now refusing to remove it from the credit report stating that I has provided personal identification information and they were not at fault. I called them the same day XXXX resolve the issue. The person I spoke with for an hour was unable to reach their fraud department but agreed that this was wrong. They gave me a direct number to call the fraud department. I called again on XXXX/XXXX/XXXX and was placed on an automated system on hold for over 30 minutes without ever speaking to a person.

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 2015-05-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX occasions within the last XXXX months, my credit card company reduced by credit limit by the amount in which I paid down my credit card balance, causing me to continuously have a high ratio and negatively affecting my credit score. For example, with a balance of {$700.00} I paid {$100.00} and my credit limit was reduced to {$600.00}. Recently, I paid my balance down to {$390.00} and my credit limit was reduced to {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Conn's, Inc.
State: OK
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 was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: SYNCHRONY FINANCIAL
State: PR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The interest on my Synchrony Bank Walmart credit card went up without any notice. The banks that own credit cards want to be able to do anything they want to their customers, hiking up the interest rates, since theyre variable.

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 2017-02-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX Citizens One issued me a 90-Day Notice to Cure mortgage default. 
On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX Citizens acknowledged receipt in the first of several acknowledgments. 
ON XXXX XXXX, XXXX Citizens states that they will request more time if they can not resolve my Error notice inquiry within 30 days and on XXXX XXXX, XXXX Citizens One sends me notification that my inquiry was sent to Office of the Chairman. 
On XXXX XXXX, XXXX Citizens applies funds to my loan account and begins a serious of payment reversals and loan activity. 
On XXXX XXXX, XXXX, despite loan activity and in non-compliance of deadline, Citizens fails to answer my XXXX XXXX, XXXX inquiry. 
Citizens demonstrates a pattern of practice of non-compliance under RESPA, that it continues this non-compliance after issuing me a 90-day notice to cure is exasperating, I implore CFPB to investigate Citizens servicing of my loan. 
On XXXX XXXX, XXXX I sent a sent a written inquiry for failing to respond and request to immediately answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving letters from credit collection services for XXXX bill that I do not owe, I have never had any accounts with XXXX,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest XXXX. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Recently on my credit report I see a record for " Caliber Home Loans ''. The credit item shows a status of " Derogatory ''. I have called the number XXXX listed on my report for this company. I get a representative who asks my name and when they try to verify my address I explain I have never done business with them. the Rep will hang up on me. I have researched this company name and at one time it was called " Vericrest ''. Four years ago I had a mortgage with Vericrest Financial but sold my home for a profit. This company is reporting a derogatory item on my report when I have never done business with Caliber homes. The Vericrest Mortgage was closed four years ago as a sale. No foreclosure, a sale for profit. Each time I call Caliber as soon as I provide my name they hang up on me. I want this company to remove and stop reporting bogus info about me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
My name is XXXX XXXX and I obtained capital one credit last year with a {$250.00} deposit and used the card while I was working out of town all last year I set online accounts to make payments in which case did not always go through and i was forced get on phone with a capital one superviser and my bank to verify that had made a payment. i have since lost my job and made that clear to capital one i used a friends home phone number to set up the account as i was working out of town now that i am unemployed capital one is calling everyday to pressure me to make a payment when this phone number is not my number XXXX XXXX has asked them to stop calling her phone number and given them my correct number but yet they still keep calling everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: National Credit Adjusters, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
COLLECTORE KEPT CALLING MY WORK, CELL AND HUSBANDS CELL AND HOME, STATING IF WE CO N'T PAY WILL BE FINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Plaza Services is reporting a collection on my credit reports for a " XXXX XXXX XXXX '' 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 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