BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
The complaint is about Chase Slate Visa credit card. Opened the card based on the Chase advertising for a 0 % Balance transfer for XXXX billing cycles. I called the credit card customer service and requested a transfer to my personal checking account. I was told that the transfer not allowed to checking accounts despite no restrictions were listed in the customer agreement and the customer service supervisor could not point to anything in the Chase credit card disclosure that states that. I want other consumers be aware of a false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IA
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:
ECSI has limited options for student loan repayment that do not involve a fee. The direct payment option is frequently not available, which can make it impossible to make a payment on time without choosing an option that involves paying an additional fee. Also, I can not find a way to contact the company by phone so I can talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: Regional Management Corporation
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have XXXX cases with you on the same conflict with Regional Finance the case numbers are XXXX and XXXX although today i called and was told that i did not send back needed infor on the last case. But did not receive a request. So yesterday at XXXX Credit Recovery for Regional called again and I told them that this case had been written off and that they reported it to the credit br. as refused to pay. I have a case with XXXX on this subject and the case number is XXXX. As you know from my XXXX case that Regional Finance cussed during a collection call. XXXX never contacted me after i filed a case with you. However this Credit Recovery keeps calling. WE wnat the title to the car back or to move forward with the casw with you for unfair collections. I have attached several documents for review for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Nelnet, Inc.
State: NJ
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:
NELNET is reporting student loan late payments on my credit report that is not accurate. Everytime I dispute with the credit bureaus, it comes back verified. When I dispute diresctly with NELNET, I never get a response. Just proves that no real investigation was ever done. This is a violation of the FCRA. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XX/XX/XXXX, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Duplicate reporting with different balances : Account # 1 {$170.00} Balance XXXX Original Creditor {$170.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Account # 2 {$280.00} Balance XXXX Original Creditor {$280.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Medical Remarks Account # 3 {$610.00} Balance XXXX Original Creditor {$610.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility XXXX Account # 4 {$72.00} Balance XXXX Original Creditor {$72.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: E*TRADE BANK
State: VA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I PURCHASED A {$20000.00} CD ) CERTIFICATE OF DEPOSIT FROM E-TRADE BANK, FOR A PERIOD OF 7 YEARS IN 2000 .THIS CD WAS A AUTOMATIC RENEWAL TYPE. I REQUESTED THAT THE INTEREST THAT IT ACCUMULATED BE SENT TO MY CREDIT UNION, AS IT ACCUMULATED. THIS CD HAS MATURED TWICE. I ATTEMPTED TO CASH IN THE CD AND THE E-TRADE CA N'T LOCATE THE CD AND DELAY IN GIVING ADJUSTMENT INFORMATION

Company response to consumer: Closed
Consumer complaint received 2015-12-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by Midland Credit Management in 2014 in relation to a supposed debit owed to a Credit card issued by a XXXX some eight to nine years ago. I do not remember ever being involved in anyway with XXXX and asked for back up showing the debit was valid. They could not provide any proof, however when my employer received a wage garnishment, paid a similar amount to that claimed by a Bank Check. MCM have again contacted me relating that the debit is still valid and want payment of a similar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
We are currently in XXXX Court ( next court date XX/XX/XXXX we filed XX/XX/XXXX ) finalizing our payment plan for a chapter XXXX bankruptcy. During this time there is a stay in place and American Express who sued us last year ( before we filed ) went ahead on Friday XX/XX/XXXX and took our Tax Refund and other money from our bank account, every cent we had, money meant for our mortgage and property taxes, bills and groceries ... every cent {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25
Company: Genesis Lending
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I went to XXXX XXXX of XXXX, XXXX for my XXXX in XX/XX/XXXX. When I was registering I was told I had to pull out a Genesis Loan or I could not attend school. At the time I was more focused on the prospect of having a career to help provide for my son at the time. I graduated XX/XX/XXXX and I managed to get hired at the place that I externed at. Well, I was there for about a year and then me and my husband decided to move back down to XXXX XX/XX/XXXX Well, we have been down in XXXX for almost 2 months and I have n't had any luck finding a job. My husband just started his this past Monday. I 'm two months behind on my Genesis loan and this is the XXXX time I have ever been late on it. I was evening paying on time when I was going to school. My monthly payment is {$65.00} a month. So far I 've missed XX/XX/XXXX and XX/XX/XXXX payments so I owe $ 130 month payments but the late fees are outrageous. I owe {$100.00} in late fees as of today XX/XX/XXXX. That 's {$230.00} that I owe as of today. I wont be able to make a payment until my husbands second check which wont be until XX/XX/XXXX. And my next payment will be due on the XXXX so that 's another {$65.00} for monthly and then whatever late charges I owe by then. I 'm afraid that its going to be well over {$300.00} by the time I can pay and I wont be able to pay the full amount because its gotten so large. I have XXXX sons ( XXXX mths and XXXX yrs ) and I have things that I have to buy for them and I have other bills. I had to defer my federal loan because I could n't afford to pay on it at the moment. So any help or information would be greatly appreciated. I know that XXXX colleges are getting sue and I do n't really have an idea of what that can do for me and my family. So and info would be great. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have contacted American Express several times to get my promised promotional apr applied to my account as agreed in the recorded call. After I spend money and charge items to my account, I get a billing statement showing the normal APR. I contacted Amex to see why the promo apr of 0 % for 12 months was not showing as it was effective XXXX/XXXX/15. The customer service rep said there are no such offers and told me I was mistaken. I escalated to a supervisor who told me the same thing. She offered me a rate of 18 % - however I declined and said no. I wanted the promotional offer as accepted. The supervisor changed my apr to 18 % without my consent. I escalated to the next level, who told me she would review the call and call me back in 48hrs. Her name was XXXX in XXXX XXXX, XXXX. She never called me back. I called and had to have someone else put a request in to review the call as she never did it. I made several calls back to Amex. I requested to speak to a US rep multiple times and was denied that request and was transferred back to foreign call centers and even the IVR. After 5 hours of phone calls my issue was halfway resolved. I faxed in a complaint XX/XX/XXXX and have never heard back. I also called back XXXX additional times to speak to a manager and was denied that request. I was informed I would receive a call back in 24-48hrs. The calls never came. 3 times I was promised a call back and a manager never called. I need to speak to a manager to help me resolve my concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
I have an American Express credit card to which I have authorized XXXX other persons to receive cards under my account. I pay the total amount due each month. The monthly statement comes to me, lists separately each user 's activity, and provides the grand total of same. However, the credit company reports to the credit bureaus, the grand total amount that is due on all XXXX cards for each card holder and not their individual net amount. I understand that the grand total is and should be reported to the credit bureau on my account. The other XXXX account users credit scores should not be influenced by any credit amounts other than those made on their individual card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Academy Mortgage Corporation
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I entered into a real estate purchase agreement with XXXX XXXX in XXXX 2015 and was asked to use their preferred lender Academy Mortgage. During our due diligence period I met with XXXX XXXX of Academy Mortgage and was told that we were pre-approved for the purchase of the home. During that escrow period as the home was being built Academy informed me that they were not financing the home anymore. When I confronted them about the pre-approval and what changed they stopped communicating with me. XXXX XXXX the broker for XXXX XXXX who also committed to representing me in the transaction and is XXXX XXXX 's brother brushed the transaction aside to protect his brother. When confronted about the pre-approval that they both referenced in conversation with me they denied its existence. So our lender XXXX Mortgage gave a bogus pre-approval and then the paperwork is conveniently lost. And our realtor who confirmed the pre-approval and his confidence in closing the home because of it denies its existence and can not find the paperwork. 
I went to XXXX other lenders and everyone said that the pre-approval was garbage, I am self employed and the business is less then two years old ; so any pre-approval would have been drastically out of industry standards. 
We are out 8 month of time and {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Yesterday, I called my mortgage company, Ocwen Loan Servicing , LLC . that as of XXXX XXXX, 2015, I owed them $ XXXX and that I did not need to pay my mortgage for XXXX 2015. As of XXXX 2015, I received a notice from their company stating that I owed XXXX to cure the default by XXXX XXXX, 2015. First and foremost, I was not aware I was in default. I have never agreed to a forbearance or loan modification with Ocwen Loan Servicing. I sent a certified money order totaling {$800.00} on or about XXXX XXXX, 2015 ; and on XXXX XXXX, 2015 I wired {$1900.00} via XXXX to Ocwen. According to my records and calculation from the notice sent XX/XX/XXXX, I had satisfied the requirement to cure deficiency. I was told twice by customer service that I did not owe a XXXX payment however my balance is {$1300.00} for the month of XXXX 2015. I informed the customer service whose agent number is XXXX that this incorrect. XXXX XXXX, Ocwen 's agent, informed me that the balance included late fees and my escrow analysis ( which they have been tampering with by Ocwen ). As of XXXX XXXX, 2015. I do not owe Ocwen any fees or mortgage note. Ocwen is a " predator. '' They are preying on minorities, XXXX, and the poor. They are not in the business to " keep people in homes '' this a fraudulent statement ; they are in the business of adding as many fees to your loan in order to put the customer in default. They are/have destroyed dreams of being a homeowner, people are homeless because of their business ethics to benefit the CEO of this corporation. They are liars and you have the power to " REVOKE '' their ability to do business in this country. The loan modification process with this organization is DECEPTIVE and whomever designed the model for this company should be ASHAMED and ordered to go JAIL!!! 

Sincerely yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They are attempting to collect a debt on behalf of XXXX XXXX bank that I do not believe I owe. They do not provided verification that would be legally binding nor does their alleged client show me owing the money. They refuse to remove this unverified and what I believe erroneous debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The debt collector seeks to collect on a " Re-aged '' debt from the early 2000 's greater than 7 years old. The debt collector violates the consent agreement Cfpb file XXXX. XXXX and seeks to collect on debt alleged to have been purchased from XXXX, and failed to validate such debt as under statute of Fair debt collections Act. The debt collector has no legal right to collect debt alleged as third party showing no right to collect in place of " Creditor ''. The debt collector also called third party XXXX XXXX XXXX by robo call

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: E*TRADE BANK
State: OK
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from E*TRADE and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the E8Trad loan. I never received the Capitol Gain, but did pay taxes on it. XXXX XXXX XXXX XXXX has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you

Company response to consumer: Closed
Consumer complaint received 2015-11-25
Company: National Principal Group, LLC
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 with National Principal Group keeps leaving threatening voice mail messages, and harassing phone calls to my job about an alleged payday loan I supposedly took out in 2004. I have NEVER EVER took out a payday loan. They are threatening me with arrest if I do n't pay. These tactics are illegal under the Fair Debt Reporting & Collections Act. 

Phone numbers XXXX & XXXX are the ones I am receiving the harassing calls from. I told them I was recording the conversation, and she became belligerent with me when I told her the calls are to STOP. She said she will call all she wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Balance transfer

Complaint:
I was offered a balance transfer. No interest until XXXX 2017. I took advantage of special offer and paid the 3 % transaction fee. I have made my payments prior to due date and larger than required. The bank closed my account, did not state why. Then changed my interest rate from zero per offer to a default rate. They also more than doubled my monthly payment. I tried contacting them to resolved on several occasions this month spending more than 30 minutes each time. This is deceptive marketing. I believe due to the fact the closed my account could have negatively impacted my credit which could prevent me from seeking additional credit. I have not missed any payments on any accounts ever. They chose to make balance transfer offer and received offers from them on a monthly basis. Then as soon as I took advantage, they reneged on their " offer '' so they could charge me interest. The already took a large up front fee to take advantage of this offer.

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 2016-05-22
Company: U.S. BANCORP
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:
To Whom It May Concern, I filed a XXXX Complaint after having trouble with obtaining some information about private student loans listed on my credit report dating back to XX/XX/XXXX. I requested copies of the original promissory notes and full payment history for all accounts involved. I received applications and no payment history. 

In my complaint, I mentioned there are duplicates listed on my credit report. Where XXXX claims there are XXXX loans, there are XXXX-XXXX listed. She stated maybe XXXX XXXX ( the loan servicer ) listed them also, but they are under no obligation to remove them. 

I also mentioned that due to the age of the alleged loans, they would have been removed ages ago due the 7 year requirement. My last date attended for Ohio State was in XX/XX/XXXX and any student loan I had, went into repayment in XX/XX/2006. Since no payments were made ( to any of my loans ) they would have all been defaulted by XXXX after 270 days of non-payment. 

These loans were taken out ( starting in XX/XX/XXXX ) XXXX years ago it is unethical to have it knowingly duplicated ... AND listed as a current debt. Please research into this as I am securing an attorney to help with the intentional and blatant violation of the laws.

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