BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other fee

Complaint:
Dear Sir or MadamThis is with regard to XXXX credit cards that I have with the Bank of America. They are on behalf of XXXX. 
A number of times in the past eighteen months I was charged a {$1.00} fee for reasons I do not understand. Each time when I called, an agent removed them. When I questioned what the fee was for, I was told it was because I had a credit and I had not used the card that month. This is absolute nonsense! 

I pay a yearly fee for the card. There is no requirement that I use the credit cards at any time. Yet, one can see in the attached XXXX bills, Bank of America charged me a {$1.00} fee for each of the cards. Payments were not made late. There is no explanation as to why a fee was charged. 
I am wondering if Bank of America is charging a fee to other customers without justification. I believe this matter should be looked into. 

I awat your reply. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been approved for a reverse mortgage however my payoff is approximately $ XXXX. 
Over the course of my Mortgage I have refinanced XXXX times. Each time I used what Bank of America calls it 's " Fast Track '' refinance. This is a method where no documentation is required. I did pay all closing costs for each refinance. It is now my understanding that it is not legal to use this " Fast Track '' more than once, however they did. ( XXXX ) If I was not allowed to refinance through this " Fast Track '' method ( illegally ) I would not qualify for a refinance. The money for closing XXXX would never have been added to my principle and I would not find myself short financially on my existing lien to obtain the reverse mortgage that I seek. 
BofA is refusing to negotiate an option to payoff this existing lien. I would like my closing costs returned to my principle so that I may complete my reverse mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I spoke with Lowes Credit XXXX on XX/XX/XXXX.2017 about raising my credit limit to {$1000.00}. I asked them to run a soft inquiry only because I am applying for a mortgage on Monday and do not want any hard inquiries to affect my credit score. I specifically asked for only A SOFT INQUIRY AND TOLD THEM NOT TO RUN A HARD INQUIRY. My XXXX score was XXXX as of XXXX/XXXX/2017. 
I check my reports everyday because I am meeting the mortgage officer this coming Monday to get a pre approval for a mortgage.. I wish I never ever spoke to Lowes. I never would ask for a hard inquiry knowing the depth of injury it would put on my FICO score. 
Today I looked at my credit score and it has been reduced to XXXX. I looked into my repot. Lowes ran a hard copy of my credit and reduced me by over 20 points in my FICO. This is so unfair to me. The whole credit reporting business has been a nightmare to deal with. Everyday thee is an issue. Just when I am finally in the home stretch and meeting my broker on Monday, THIS HAPPENS. tHIS WAS NOT WORHT THE PHONE CALL TO lOWES. tHEY MADE AN ERROR WITH MAKING A HARD COPY. 
This hard copy info needs to be removed so I can qualify for my loan. I am so tired of being beat up by the credit card company poor reporting and constant mistakes through XXXX, XXXX XXXX and XXXX. 
You are the only people that help. Please please please help me.

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 2016-09-21
Company: Synovus Bank
State: IL
Product: Credit card
Issue: Other

Complaint:
First Progress Card is reporting that I owe them on all XXXX of my credit reporting agencies. I 've never opened up a card with this company. 
1. I 'm requesting an application with my signature on it 2.I need proof that this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened an account with US Bank. I had signed up with the summer promotion they had. I opened it up with the promotion code. As a criteria for the promotion, I had direct deposited {$500.00} from my paycheck on XX/XX/XXXX XXXX. These were done within 60 days. 

I had submitted a secure message to the company regarding the issue. There are no dates since I can not find the original message sent. However, I did receive missed calls and eventually a letter from XXXX XXXX, a Customer Care Specialist. They stated that I have met the requirements for the {$200.00} promotional credit and would be credited after XX/XX/XXXX 

OnXX/XX/XXXX, I called XXXX XXXX and left a voicemail. Since then, I have not received the credit nor a call back from 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 monetary relief
Consumer complaint received 2016-11-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I purchased a bed for XXXX {$1400.00} from Sleepys in XXXX XXXX. I would 've paid for the bed in full at that time. However, I was pressured into taking a 'no interest ' 12 month loan ( which was sold by Synchrony Financial ). I then setup the account for minimum monthly payments ( which I planned to change when 1 yr was up ). However, I just went into the account and noticed that on XXXX XXXX I was charged a FULL YEAR OF INTEREST ( at 30 % APR!!!! ) retroactive from the time of purchase. Nobody EVER said anything about there being a retroactive charge. In fact, I worked in finance ( at XXXX Bank ) for 8 years ( until I switched industries last year ) and have NEVER heard anything like this before ( it 's such a scam!!! ). At the ABSOLUTE LEAST, they should be required to make it EXTREMELY CLEAR ( and get verbal affirmation ) that they charge you a full years interest if not paid in full within 12 months. I 've been charged {$620.00} in interest for a {$1100.00} bed purchased about 15 months ago! I 've just gone in now and paid this in full. But, it is totally ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: SACOR FINANCIAL, INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sacor Financial XXXX Inc has taken over the debt that I owed to a credit card. They take {$300.00} from my bank account on a monthly basis. I have asked if there is interest and do not get clear information. I have asked for a statement and was told that is not there practice. They only send me a reminder letter on a monthly basis reminding me they are withdrawing {$300.00} from my bank account. I have asked how I can keep track of the balance re : my payments and interest. They informed me they are under no obligation to do this and it is not their practice. They are not " set up to do that. I have called and emailed numerous times and XXXX XXXX XXXX - the only person who can help me is always out of the office. I have not actually spoken to him in XXXX months. I am not disputing that I owe money - I am asking for verification as to my balance on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I can not believe the level of incompetence and lack of oversight by your agency, the auto industry is rampant with fraud and abuse against consumers. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Owned and Operated bi XXXX XXXX and XXXX XXXX who were previous owners of XXXX XXXX XXXX and were shut down by XXXX prior to their bankruptcy and now they are engaging in the same fraudulent activities including straw buyers and phony income to sell cars to unsophisticated consumers which is a Federal Crime. there finance department is run by a felon, XXXX XXXX and they are taking advantage of thousands of consumers by not disclosing terms and bait and switching at the time of sale with high pressure tactitcs. I attempted to buy a XXXX Dodge Durango with no income or employment I was told not problem all I had to do was come up with {$1000.00} and it would be {$750.00} per month for 6 years, how can this be? I declined and they continued to harrass me, They have been doing this for years and your agency is turning a blind eye to the real problems and fraud being committed. If action is not taken I will be notifiying the NYS DFS, FBI, state and local news agencies and every outlet to expose their fraud and your incompetence at enforcing the laws, I trust this will be taken seriously and you look into this company and it 's owners before any more innocent people are harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not apply for credit with XXXX and they hit me with a hard pull on my CR. Please advise/ask to remove. Thank you.

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 2016-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Chase has refused to grant any forbearance for disaster victims in Florida. I am single parent and XXXX with a {$5600.00} deductible. My home suffered severe roof, garage and water damage during XXXX on XX/XX/2016. FEMA has not provided any assistance to me, other than to offer a loan I ca n't repay or qualify for. XXXX, services my loans and stated Chase was not willing to assist with a 6 month disaster forebearance. I dont ' understand how you are n't concerned with those in dire need but only with making money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I am filing a complaint regarding the XXXX XXXX Credit Card that is issued by Chase Bank. The XXXX Credit Card offers a 1 % cash rebate that is earned on all purchases ( except for purchases from non-XXXX gasoline sellers XXXX. The rebate is credited to the account by reducing the cost of subsequent XXXX gasoline purchases using the credit card. However, XXXX gasoline stations do n't exist any more. XXXX gasoline was sold to XXXX several months ago and the XXXX Credit Card rebates expire after XXXX year from the time that they are earned. Therefore, there is n't any way for me to collect my XXXX Credit Card rebates as the accrued rebates expire over time. I have bought this issue to the attention of Chase Bank on XXXX XXXX, 2015. XXXX credit card account supervisor at Chase Bank claimed that the rebates that appear on the XXXX statement only will be carried over to another credit card ( the Chase Freedom Credit Card ) but that the rebates that expired from XXXX 2015 will not be carried forward. ( Earlier that same day, another Chase Bank account supervisor told me that no rebates will be carried forward. ) I suspect that there many XXXX of other customers that have the same problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a chase bank account. I have noticed at least XXXX charges which are incorrect.XXXX charges which were actually payroll EFT`s on XXXX/XXXX/2016 and XXXX/XXXX/2016 were noted but were treated as a charge.I do have the check stubs on hand in pdf. format. Also a charge of XXXX which is listed as being from the Social Security Administration. However on contacting them I found out that they had no record of that charge. I also noted that at least XXXX payments to XXXX XXXX XXXX listed only as credit card payments have disappeared from both my online ledger and are not noted on my pdf. statement for that month of XXXX. I was apparently a victim of identity theft as there was a loan taken out in my name of XXXX dollars from lendup.com on XXXX/XXXX/2016 followed closely by the debit. Also it there are XXXX lines of transactions which merely state remote online deposit XXXX and then XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Greenback Recovery Group, LLC
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I asked Greenback Recovery Group to stop calling my job, but they refuse to do so. Today, XXXX XXXX, 2015, I am sending a letter to the company with the request again. I know that I have a debt to be paid, but I asked them to stop calling my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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 had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. 
Unknown to me my account was sold to Springleaf Finance and then sold to XXXX XXXX. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX violated the CFPB Consent order dated XXXX by claiming an amount greater then the Write off amount in their affidavit dated XXXX. They also make many other misleading claims in their affidavit.

Company response to consumer: Closed
Consumer complaint received 2015-03-26
Company: The Bureaus, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2015-06-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: Selene Finance LP
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly calling concerning. a mortgagee there to four times daily. The mortgage has been modified for months. Payments are up to date and when told this, we are told they have no way of knowing this because the computer automatically generates the account as delinquent and they will continue to make the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello. I am recent graduate who only started working in XX/XX/XXXX. I have {$29000.00} of Federal loan under my name and about {$160000.00} of parent loans my mother is responsible for. My mother is ill and recently stopped working and my father 's income is not high as well. I submitted a consolidation request twice for both me and my mother, the request for my mother went through but it did not go through for me. I also applied twice for a income based repayment plan. However both times the request did not go through and I received no updates. Whenever I called Navient while waiting for the requests to go through all the agents said it was in process and did not provide me with further information. They could not even inform me how much I had to pay per month. I also requested a grace period twice for my mother but both times it did not go through ... I want to start paying the amount we can afford as soon as possible properly so we do not accrue further interest, however navient has not been clear and just said things like " do not worry, the consolidation and income based repayment plan will take some weeks to go through but you can just request a grace period and pay later. '' I have been very stressed about this.. and I can not trust any of the Navient representatives anymore..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Transaction issue

Complaint:
I was talked into setting up an online business by XXXX XXXX XXXX XXXX, and after that I got a charge for XXXX XXXX and I never heard of them. I never authorized any charge by them and I do not have any contracts or emails from them. They charged me {$5500.00} and I believe XXXX were the ones who charged my Bank Of America card {$5500.00} under 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 monetary relief
Consumer complaint received 2015-12-19
Company: NorthStar Technologies
State: OK
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 was notified by this company in XXXX 2015, that I owed a debt to them, and asked for debt validation immediately, and was never sent any debt validation. I received a letter XXXX/XXXX/2015 stating they would cease Collection Activities and no reporting to my credit bureaus. 
I received a summons that I am being sued XXXX XXXX by this company after stating they would not pursue the debt and in a XXXX that I do not reside, I never received any validation of this debt. It is not Valid it is Fraud, and after repeated requests I am know being sued in court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Submitted {$2000.00} via certified mail with return receipt including a letter indicating that the contained amount was to be applied to the principle amount of my student loan. Loan provider claimed to have only received {$1000.00}, in spite of the fact that both USPS issued money orders were contained within the same envelope, and arrived unopened at the loan carrier 's PO box which was confirmed by return receipt. Following this, I was told that they had found the " missing '' {$1000.00} and applied both it and the other {$1000.00} money order toward the principle balance. I was also told that any monthly payment over {$50.00} was strictly against " policy '', but that the monies I had sent would be submitted only toward the principle. Recently I received statements from my student loan company ( Navient ), and I noticed something strange. While my payments continued, my principle balance remained the same. In addition the other {$1000.00} had not been applied toward my principle balanced as agreed upon. Upon calling Navient, I was told that any letter dictating how my funds were used were either discarded or ignored. I was also informed that any funds submitted regardless of requests was spent on interest first, and whatever was left is spent on the principle. Again I was restricted from increasing my monthly payment, and was not allowed to make a lump payment toward the principle ; instead I have only been allowed to pay less than they charge for interest ( XXXX/mo ). As it stands, I should have owed less than {$400.00} by now. I attempted to resolve this issue, but I could achieve no solution with Navient.

Company response to consumer: Closed with explanation