BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Citizen 's Bank turned my daughter down for a student loan and I her father was turned down as a co-signer. I have an excellent reputation with the Parent Plus Federal Loan and any other current loans. I receive government subsides to carry forth my life. I explained to Citizen 's Bank at great length ( included ) that I am in the process of disputing claims against my credit by XXXX, XXXX, and XXXX XXXX. I have already erased one of these blemishes. Unfortunately, only XXXX XXXX has responded ( with a copy of my credit report ) to the legal firm representing me ( XXXX XXXX included ). I feel that the fact that this is a loan for my daughter, who has an excellent grade point average, a job in the XXXX field ( her major in college at XXXX University ). My daughter being a young women needs a chance to display her ability to enter into a contract, I feel the bank has not considered this. Her father has an excellent " A '' rating with all credit reporting agencies in repayment history. I do n't understand why the federal government has no problem understanding the hardships my family has been through ( a XXXX divorce - XXXX years ) and the bank fails to understand that the debt belongs to my ex-wife. I have shown with the enclosed information that I take my credit history seriously and paid any and all creditors whether it was incurred by me or not during my marriage. The bank I feel has been prejudical toward my daughter and myself by taking the side of creditors that they do n't even know the history of. Everybody in this world deserves a chance to succeed. In these hard economic times, the government bailed banks out with tax payers money, now this tax payer is now asking the bank to help him out. We entered into a contract with the federal government and they felt my credit was fine. We are prepared to enter into a contract with the bank and in recent years through this divorce both my daughter and I have shown that we pay our debts. I feel that this bank has acted discriminatory without reason. Anybody in the public domain understands that these credit reporting agencies are not public friendly. We hope that you can help in obtaining in the loan so that my daughter can continue her studies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
stated I did not order nor do I use XXXX also this bill had my street address and I have all bill sent to my XXXX XXXX XXXX My XXXX Phone is paid for by my girlfriend not by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX limit on one Chase credit card and a XXXX dollar limit on another Chase card. I was over my limit by only less than XXXX dollars on the one card and under my limit on the other and they closed both accounts roughly last week ( around XXXX XXXX 2021 ). 

Ive made payments every month, have had the cards for a while. They just closed my account and tanked my credit score in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I XXXX XXXX had a Barclay credit card and I fell back in XX/XX/2016 and broke my XXXX and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.

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 2016-01-30
Company: EOS Holdings, Inc.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I want my loan to be look into because I just do not agree with how much I am paying for this loan Program Principal Interest Penalty/Fees Total Debt Balance XXXX {$13000.00} {$690.00} {$0.00} {$14000.00} Total {$13000.00} {$690.00} {$0.00} {$14000.00} Payment History Payments that have been made towards paying off your defaulted federal education debt are listed below. This information is listed in chronological order with the most recent payments near the top of the table, and oldest payments near the bottom. 

To view the remaining balance outstanding on your defaulted federal education debt, click here. 

NOTE : Only payments made directly to the XXXX Default Resolution Group are listed here and not any payments sent to guaranty agencies or to the Department prior to when the debt entered default. 

Payment Effective Date Payment Type Payment Amount Applied to Principal Applied to Interest Applied to Fees & Charges XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$32.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$190.00} {$0.00} {$150.00} {$37.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$26.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$170.00} {$35.00} I have not pay any on the principal yet

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the bureau dating back to the middle of  XXXX . Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX  and  XX/XX/XXXX .

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 2016-12-21
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had signed up for a loan through Big Picture Loans. I kept getting mail from them saying I was pre-approved for a loan up to XXXX $ then it was {$800.00}. I had applied online and was approved for XXXX XXXX I had signed up for the call in and make a payment option. I never authorized them to EVER withdraw money from my account. They never disclosed to my wife and me that the APR was 909.9999 %. The company had told me that it was a one-year loan with a payment of XXXX $ a month. I looked more into it and they were charging me XXXX $ a month for a payment then {$350.00} a month finance charge. They were charging me {$8900.00} for a finance charge, which they NEVER DISCLOSED to me. They then are charging me a total of {$9900.00}. They told me again that this loan was only a XXXX loan. On the Documents, they say my last payment is XXXX/XXXX/XXXX which is a two-year loan. I had called them and told them they were breaking the law and told them they need to bring it down to 20 % APR and they said we will not do that. They wrote a FRAUDULENT CHECK. They wrote a check on XXXX XXXX XXXX and then processed it on XXXX XXXX and then when it got sent back they tried again on the XXXX of XXXX. I had to go to my bank and close my account because they now are writing fraud checks on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company is rude and harassing, you cant even get a word in when trying to resolve issue. I have called in a few times last being about a week or two ago, regarding 2 debts which 1 has been disputed, the other one for {$1200.00} I was promised a settlement after debt was a year old, once it was a year old the said they can not do that. On another occasion they did not fully read mini Miranda on call, Violating FDCPA. I know this because ( I work in collections ). They have also left a message on my phone for another person I dont know disclosing a debt on XX/XX/2020 from a Ms XXXX.

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 2017-07-17
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i do not want   XXXX   XXXX   to answer this complaint first answer was in refernece to wrong account.
  XXXX   XXXX   XXXX   ending in   XXXX   non profit account deactivated in   XX/XX/XXXX  last year while service fees were charged i did not know about want fees waived  and time needed to meet requirements so i want a waiver on fees. i shoud have been noticed about fee changes and deactivation. please dont respond look at statements did not get them. i should have been noticed about deactivation. no  XXXX  please do it NO   XXXX   answering this. someone else he always stonewalls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TCF NATIONAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank has a new Digital Banking login, it is hard to understand and does not show balance after transactions or pending payments in a way that helps show how transactions are being posted. I was expecting to get   XXXX   overdraft fee this month, instead I have gotten  XXXX . This is because they pay the highest amount item first and the smaller amounts after causing the fees to be {$200.00}!!!! They should really get an account at   XXXX   XXXX   and see how an online banking account should work. The fees are out of control and should not be allowed, I need a refund of all but  XXXX  of these fees as soon as possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: TRUSTMARK CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a joint checking account with my husband at Trustmark Bank in XXXX. We have used this bank for many years and have never defaulted on the account in any way. After my debit card was denied on XXXX, I discovered that a large sum of money had been taken out of my account. After reporting this to the bank, it was discovered that a cash withdraw was made at a XXXX, XXXX branch. We have never used any XXXX bank, we never make large cash withdraws from checking. There were multiple red flags, yet the teller gave the individual our account number, our account available balance, and finally- all of our money was handed over to this toothless smiling thief. There is video of the person making the withdraw. I was told that the thief has a replica of my husband 's ID, with a different picture. I have trouble understanding this because my husband 's signature, height, birthdate, and race are all on his ID. This thief, whom was physically handed all of my money by my trusted bank, looks nothing like my husband. He is a different race, clearly the thief is older and taller. The signatures do not match. While I do feel that it is taking too long for my bank to refund my money and I want them to give me a better time line, I am satisfied that I will be reimbursed at some point. I can not believe that my bank let this happen, I have no trust in the security of the bank, their policies, or that this will not easily happen again. I want others to be aware of this situation. I want this to be investigated and for it to be explained how this is even possible. I question the intentions of the bank, and their employees. Clearly something huge is lacking in this organization that just simply hands over another 's hard earned money to a common thief so easily, with so many screaming red flags and no regard for their customers security or livlihood.

Company response to consumer: Closed
Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
See attached Cease and Desist # 1 letter which I sent on XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on   XX/XX/XXXX , I c alled   XXXX   and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,   XX/XX/XXXX  to pr esent,   XXXX   XXXX   since   XX/XX/XXXX  t o present and more. See attached letters of my conversation and list of documents.
 XXXX 
I called again on XX/XX/XXXX   XX/XX/XXXX   following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on   XX/XX/XXXX .  We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to   XXXX    validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan w ith JP Morgan Chase, EMC and other questionable issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unauthorized inquires are on my report from Capital One Bank, NA for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to Capital One directly numerous times by phone and mail. I have also disputed the items with all  XXXX  credit bureaus. These items were not authorized by me and should NOT be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
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 decrease my monthly payments

Complaint:
I have been charged a payment that is more than the XXXX % requirement for years. I am struggling with the payment and was denied for interest only repayment, denied to lower my payment so now might be forced to forbearance. Accrued interest will still occur during this year time and I do plan on making payments even though I 'm not required to try to keep this from happening. I have been paying for XXXX years and some of my loans are STILL above what I borrowed, that 's how much interest they have charged me over the years. At this point, I do n't know how I 'm ever going to be able to pay them back. I struggle to pay the {$410.00} a month and am not seeing balances go down. Is heartbreaking honestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: RoundPoint Mortgage Servicing LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX my brother in law began the process of building his house directly to the south of our house. In the land deed of ours, XXXX feet of land was deeded and mortgaged to us was actually my brother in-laws land. This happened back in XX/XX/XXXX. My brother in law called the abstract company and lawyers to get everything corrected so that he could get his home loan approved. Everything was settled. We accepted a different part of the land so that we got XXXX feet back to our property. We signed everything. Now my brother in law can not close on his building loan because my mortgage company, XXXX, will not get back with my brother in laws bank or lawyers to take off the XXXX feet of mortgage on our land so that they can add to his. They have tried for 6 months to contact XXXX. In XX/XX/XXXX, I went to pay our mortgage. XXXX now will not let my husband and I pay our mortgage or escrow because my brother in law is now in litigation with them. We are not suing XXXX. We have nothing to do with the litigation. We signed over the XXXX feet last year. We are now currently doing a cashier 's check and sending certified mail to XXXX because we want to pay our mortgage. We have tried several times to contact them. We have even talked to them over the phone with our banker. They said they would call back in a week. That has been a month ago and we have heard nothing. Please help us in this matter. We do not want our credit or our home insurance to suffer because of this. This is our last option to get help. Our banker said that we should contact you to get help. Thank you. XXXX and XXXX XXXX

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 2017-07-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unauthorized inquires are on my report from   XXXX   XXXX   XXXX   XXXX   for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to   XXXX   XXXX   directly numerous times by phone and mail. I have also disputed the items with all   XXXX   credit bureaus. These items were not authorized by me and should NOT be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unauthorized inquires are on my report from   XXXX   XXXX   XXXX   XXXX   for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to   XXXX   XXXX   directly numerous times by phone and mail. I have also disputed the items with all   XXXX   credit bureaus. These items were not authorized by me and should NOT be reported.

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