BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: PENTAGON FEDERAL CREDIT UNION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am extremely dissatisfied with Pen Fed Credit Union 's customer service phone line, their loan servicing department, and their website. They sent me a vague letter on XX/XX/XXXX that was dated XXXX XXXX, XXXX. It stated : " We recently processed a change affecting your monthly mortgage payment processed through the drafting program. '' They couldn't have been more vague if they tried. So I called them to find out more details. Their customer service is non-existent. First, they only provide one phone number by which you can reach them, ( XXXX ) XXXX, between the hours of M-F XXXX XXXX   to XXXX XXXX  ET. These are the hours that most people work. I called that phone number today at XXXX XXXX  and sat on hold for 1 hour and 39 minutes. No one answered my call. No message came on to even let me know that they closed. 

Also, the Pen Fed website is very difficult to use. They refuse to provide any loan payment history beyond payments applied over the last two months. 

Because they have no physical locations in my state, I can't even go visit with them in person. If they aren't going to have physical locations that people can vist, then they at least need to offer better customer service.

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 2016-08-26
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase using my Discover Card in the amount of {$1600.00} in XXXX 2016, which I have an active balance transfer on already. I made a payment of {$1000.00} on XXXX XXXX and the company I made the purchase from refunded the tax of the item in the amount of {$130.00} on XXXX XXXX in XXXX 2016. I noticed on my next statement ( closing date of XXXX XXXX ) that my purchase balance that was accruing interest was {$730.00}, which seemed incorrect to me because of the previous two payments I thought would go towards my only purchase of {$1600.00} before being allocated to the balance transfer amount since the balance transfer does n't accrue interest until approximately XX/XX/XXXX or XX/XX/XXXX. The payment for the XX/XX/XXXX billing cycle was {$560.00} made on XXXX XXXX. The purchase balance that was accruing interest on the statement with a statement closing date of XXXX XXXX was {$320.00} though the payments plus refund total the item purchase amount of {$1600.00}. 

I tried communicating with Discover regarding this situation I was told that the minimum payment is allocated to the lowest interest accruing purchase first and there 's nothing that could be done to rectify the situation. I was also told that this process is one that is designed to attempt to try to save me money in the long run by lowering the balance transfer balance before it starts accruing interest. I was informed it 's simply our way of doing things and there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
Discover card keeps Rising my interest rate to insane levels which is become clear they are ripping me off, I pay my bills on time and I am never late but they keep increasing rate which when I contact them to get rate lower they make excuses! the interest rate on a XXXX balance is {$250.00} per month and I pay $ XXXX- {$500.00} per month on my bill and it does not go down. 
I am retired and on a fixed income and I can not continue to do this, I do not mind paying a fair share but this is crazy and

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from Rent recovery solution. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Rent Recovery Solution in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: DISCOVER BANK
State: WA
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 currently owe {$54000.00}, my monthly payment is {$500.00} and I make about {$2300.00} per month. My rent is {$1600.00} in addition to other bills. I am unable to make this payment and need assistance as the lender, Discover Student Loans, is unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
Received CITI XXXX Card monthly statement for billing period XX/XX/XXXX-XX/XX/XXXX. Balance $XXXX and payment due date XX/XX/XXXX. Submitted total balance payment of ($XXXX)  with additional $XXXX for transaction not reflected on the statement on XX/XX/XXXX. Credit card acknowledges receipt of payment on XX/XX/XXXX However, the following month XX/XX/2015, i received another statement indicating a balance. CITI continues charging me interest rate on XX/XX/XXXX for the amount of ($XXXX). Charges are unacceptable, and credit card representatives do not listen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-18
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card
Issue: Late fee

Complaint:
In fall of last year, I opened a credit card with AmericanExpress. They were concerned after I used the cardthat I was a security issue, demanded to contact mybank, etc. I canceled the card and they said they wouldcancel the $ 75 yearly fee. They keep sending mestatements charging me this fee, even though the cardis canceled. My credit score is now being affected bytheir reports to credit bureaus. I do not owe them anymoney and have called multiple times. I asked in earlyXXXX for evidence the account has been canceled, itis attached, as well as recent statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was contacted by Westlake Financial Services in XXXX, XXXX for an Amendment To Retail Installment Contract agreement. The terms were accepted in XXXX XXXX, XXXX. I keep my part of the agreement and made all of the payments. But Westlake never issued an Cerificate of Title for my XXXX XXXX Focus XXXX XXXX Sedan XXXX. The last payment was made in XXXX of XXXX and the payment was accepted. I received a notice from Westlake Financial Services in XXXX stating that I owed them {$2300.00} for the balance of the loan. I spoke with a XXXX XXXX XXXX a manager of Westlake Financial Services asking him why did I owe this money when I honored the Amendment Installment Contract, and XXXX XXXX XXXX pretended like he did n't know what I was talking about regarding the installment contract. So I made several attempts to find out why Westlake Financial would not honor the hardship contract. I tried to explain to XXXX XXXX that I was a consumer and there must be a mistake with the balance of the loan. He pretended that he never knew anything about the hardship agreement and I must pay the balance of {$2300.00}. I mentioned to XXXX XXXX that Westlake Financial Services was not honoring the agreement and he would no loner speak with me about it and demanded that I pay the balance of the loan and I tried to explain to XXXX XXXX that Westlake Financial Services received the last payment of the Amendment Agreement and I should have received something in the mail before XXXX of XXXX stated why they will not send me a certificate of title. I never heard from Westlake Financial Services until XXXX of XXXX, but the last payment was make in XXXX of XXXX. I have suffered a great amount of financial hardship due to not having any transportation and I 'm still out of a car. My credit report has a repossession on it and I ca n't qualify for a car. I invested more that {$12000.00} in the XXXX XXXX and now I 'm out of a car and my credit is worse. Westlake Financial Services has many consumer complaints due to their unscrupulous company practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to a medical issue, I was forced to quit my job. CHASE bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for e-file XXXX XXXX. On XXXX XXXX we received an XXXX form from Chase, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX+. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from CHASE telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. XX/XX/XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with CHASE. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they both agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client XXXX XXXX XXXX XXXX XXXX ( XXXX ) owned the loan that was sold to them by CHASE back in XXXX. 

While there, the attorney XXXX XXXX of XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently GC is appealing the ruling and we have another court appearance this Friday XX/XX/XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can CHASE sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to GC, CHASE dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a USBank checking account. I have been keeping the account balance above {$1500.00} to avoid the service fee. When I decided to close the account last month, I transferred all the balance to another account outside USBank, and tried to inform them about my decision on closure via secure message. But I received their message back after several days, saying they can not close until I call them, and they already charged me a monthly fee of {$6.00}, making my account balance negative. I called them to close the account, and later I found the account was no longer in my online banking account, and I had no way to access it anymore, or pay the monthly fee. But today I received an email saying they are going to charge me {$25.00} per week overdraft fee, as well as a {$30.00} charge-off processing fee in XXXX. Also they are going to report this to consumer reporting agency. I think USBank is being ridiculous in this case. I informed them to close the account in the first place, but they did not, and charged me a monthly fee instead. Now they are saying I overdrafted the account because of they putting a unfounded monthly fee on my account, and they are going to charge me {$25.00} per week based on that, as well as a {$30.00} charge-off fee. Even if I intended to pay XXXX {$6.00}, I had no way to do so now since it is no longer in my online account. I want them to remove all these unreasonable fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I dispute a Bankruptcy Dismissed chapter XXXX asking them to provide me with the actual proof that they can report this account on my credit report file. I didnt received the actually proof. When calling in the CSR told me that they verified my item from the courthouse but I revived a letter online with the above confirmation number that they used to invesigate the dispute and it was verified by XXXX which I know is not true is because I have a security freeze on my account with the and they are not given out any information on my behalf. So I would like to know how they verfied this with the company. This item need to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a phone call from an unknown number on XX/XX/XXXX saying that I was being served of a court order due to unpaid debt from XXXX in XX/XX/XXXX and that I need to call the number ASAP ( XXXX ) XXXX, however, I have never heard of this before or recevied any letter. They told me I need to pay the debt ASAP or I am being served to go to court. However, when I looked at court orders in XXXX or XXXX, I did not find a record. I call the next day to look into what I can do as a consumer, I asked for contact information and professional license number. They provided me with the contact information but not the professional license number as they said they will not provide this. Additionally, I asked if I can get a written description of what I owe, e.g., agreement of credit, information of the credit and what I owe and they said I will never get XXXX as they have bought the debt from another company. The company name is XXXX XXXX XXXXXXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with US Bank since XX/XX/2012. I have always paid my monthly payment through my bank with electronic transfer. I have never had a late payment. About 5 months ago, when US Bank received the payment they posted it as principal only. Despite numerous phone calls on my part, and corrections made by US Bank, they continue to post every monthly payment as principal only. They then proceed to call several times a month to get the " late payment. '' This month I have talked to them twice, and both times I am told that they will change their system to show that the payment was exactly that ... my monthly payment. The person I talked to yesterday suggested that I make my payment so that US Bank receives it after the first of the month, rather than before. I just got yet another phone message, a recorded message, to call them again and be put on hold ... again.

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 2016-02-21
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have done everything that Us Bank has asked us to do and they still will not work with us. We have hired an Attorney and a Meditation Consultant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX. This complaint represents a new complaint against US Bank. This focuses on the XXXX XXXX District Manager of US Bank, XXXX XXXX, for actions that seek to discriminate against me as a XXXX person. 

A prior complaint was filed XXXX XXXX XXXX against the XXXX Branch of US bank for refusal to accommodate my XXXX when XXXX tellers refused to help me complete a deposit slip despite my pleading with them for help and their mocking, shaming, belittling and embarrassing me ( teller even mocked me saying " oh I have pain toooooo '' ) in front of bank staff and patrons. After a phone conversation the next day with the branch manager, the situation was turned over to XXXX XXXX to handle. 

2. This complaint arises from a separate incident on or around XXXX XXXX XXXX in which XXXX XXXX states he has no plan to take any disciplinary action against either teller or the branch manager for their refusal to accommodate my XXXX, rather his plan is to " move forward '' to which he explains that he wants me to return to patronizing the bank by asking for either the same teller name XXXX or for the branch manager to wait on me. He also verbally refused to take any of my solutions into consideration including a simple apology from the tellers. When I told him that it is traumatic, inconvenient and discriminating for me to have to deal with the same people and to have only them wait on me, he said that I need to move forward and try to work with the situation. When I asked him if he did any XXXX training with any of the staff or if he planned to, he said it was not necessary. He refused to listen to me further and said he needed to go. I told him I was not happy with this as a solution - however in the prior complaint he falsely claimed that I was ok with what he proposed. I am NOT ok with him continuing a new discrimination against me and having me being treated differently than other customers going into the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
During XX/XX/XXXX/XX/XX/XXXX the security of my XXXX XXXX GCs ( XXXX $ XXXX {$17000.00} ) funds loaded was compromised. 
On XXXX XXXX 2016 a PPD dispute and request for replacement cards were filled. 
I have received some random replacement cards, repeated FAX request for remaining balance and detailed statement / ledger copies by mail are ignored. This is my request for 'Refund Check ' of the remaining balance and detailed current statement..

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 2016-01-21
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This will be the 3rd or 4th complaint from me towards US Bank. This matter is still not resolved ... .I have had it. I have continued to maintain the property for two years, they have had a valid offer for over a year and they still have not made a decision. I am not going to continue keeping up this property. When I stop, this house will rot. It is in a bad area. They are so fortunate they even received an offer and that the buyer has hung on this long and now they will lose this buyer. I really do n't even know what to say anymore. Absolutely ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: U.S. BANCORP
State: KS
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I transferred money from my card to a bank account. The same night i was charged again. I spoke to customer service three times and was told to wait 24 hours. Which i did. I was then hung up on when i called again and asked for the eztra charge to be reversed and my money put back on my card.

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