BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I noticed a XXXX transaction of {$1500.00} and a XXXX XXXX transaction of {$97.00} XX/XX/2022 at about XXXX. I then called Chase Bank on the morning of XX/XX/2022. I advised them that neither transactions were mine and was refunded back XXXX XX/XX/2022. I was then refunded {$1500.00} XX/XX/2022, was no correspondence or anything. However, because I was told that I would only be receiving provisional credit if the claim department took longer than 10 days, I assumed they were done investigating. Only for them to reverse the provisional credit XX/XX/2022. I immediately called Chase Bank to find out what happened, and was advised that my claim was denied because of the device used for the transaction. I advised the representative that I did call back as advised by my attorney to let them know that my device had been stolen. She apologized sincerely and said they will investigate further. I advised her that I can provide documentation as well and for them to call me if they need anything. I call 15 days later to find out my claim was denied again for the same reason and learn that the previous representative was supposed to give me a fax number for me to send my documents in regards to my phone being stolen. Please keep in mind that the XXXX XXXX claim of {$97.00} which was most likely made using the same device was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is towards 3 companies for the same reason. 
In 2021, I was XXXX for a XXXX XXXX  treatment program for severe XXXX XXXX After speaking with my insurance company, XXXX XXXX XXXX ( XXXX  ), the original billing office at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted bills using the wrong billing codes so all of the bills were not paid on-time. XXXX spoke with them about the issue and never received resolution. The outstanding balance was {$3400.00}, but XXXX has told me it's been paid. 
Since XXXX did not report the billing correctly to my insurance carrier ( XXXX ), the bill was never paid, which I was not aware of and I was sent to collections for the balance. 
I spoke with the collection 's agency, Arbor Professional Solutions in regard to this and explained the situation to them, but they were unwilling to help. 
They in return submitted the past due amount to an Attorney XXXXXXXX XXXX  XXXX who have now taken me to court, and I have a judgement against me for {$3400.00}. 
None of this was my fault and now this has ruined my credit because its being reported to all 3 credit bureaus, I have an unjust judgement against me and most importantly XXXX has shared with Arbor Professional Solutions and XXXXXXXX XXXX XXXX XXXX. all of my private personal information such as Doctors I've seen, my diagnosis, dates of services and procedures that I have received from this hospital treatment. I know my rights and they have violated the HIPAA Laws by releasing my Protected Health Information ( PHI ) to the collection agency and Attorney office. This private information is not allowed to be shared with anyone without my consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Miller and Steeno, P.C.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I responded to the letter I received XXXX-2018. They dated the letter XXXX-2018 and didn't mail it until XXXX-2018. They received my letter on XXXX-2018. I told them I required proof of the contract within 30 days along with their proof they are not a scam and told them I would only communicate through written means. They continue to call my phone and my former employer. I want the harassment to stop. They also left a nasty voicemail threatening to take me to court and garnish my wages. I have resolved this with the original creditor already.

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 2023-12-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
The company misapplied payments. The problem may have started in XXXX but I'm ignoring that. I requested a payoff quote in XX/XX/XXXX and started paying additional principal since I had a month where that quote was correct, which was through XX/XX/XXXX. The company mis-applied a payment to XX/XX/XXXX, which I noticed on XX/XX/XXXX and requested it be moved to additional principal. I then made payment through customer service for payoff toward the principal and wired more than the payoff amount ( I believe ) which they received on XX/XX/XXXX. Since the principal balance was incorrect, I had to make a big leap of faith that my calculations were correct. 

They have not yet made the correction, I don't know where the payoff wire is sitting, and I can not get a contact method to contact the payoff department. I have been told that I'm going to have to request yet another payoff quote after the fix has been made, but there is no activity on making the account correct and I can't verify the payoff amount I've sent in is sufficient since I'm not allowed to speak with or contact the Payoff Department.

I need to know that enough funds have been sent in to payoff this loan, I need to know how to contact the Payoff Department, and I need the misapplied payment to be fixed. If I need another payoff quote, I need that expedited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: ACIMA CREDIT, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started a application with XXXXXXXX XXXX XXXXXXXX XXXX on XXXX XXXX for a piece of jewelry but i never picked it up. I noticed I kept getting emails about a lease and missing payments through acima and I called acima to figure out why I got those emails because I thought due to never picking up the piece of jewelry they would just cancel out the application. Acima said theyll start up a case and report it as missing Since I made a claim that I didnt get it. I then went to the jewelry store to get more information about the issue and they told me that after 3 months everything goes to corporate and when he pulled up the information that matches my lease it shows I dont owe anything and that youll loaned me {$400.00}. The manager stated the owed balance came from interest from the {$400.00}. He also stated to get a fake piece of jewelry and tell acima that I have the jewelry I couldnt afford it they can have it back and if they need to call him to confirm the jewelry they could. I said no because I never picked it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
someone scam me out of XXXX say she can flip and give me XXXX for that and then said that she need my XXXX acct and then asked for more money i have called chime they said that they cant do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/21 XXXX XXXX. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 2023-05-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citibank keeps decreasing my credit limits on all my cards which is impacting my credit ratio because I make payments and they decrease my limit to whatever my balance is which is showing that my credit is being used at 98 % ratio. I have not missed a payment or in collection with any company and I understand that a review could be completed every year or every few months but not ever single month to discuss my payment. I always receive mail from Citibank to do a balance transfer how would I be able to do a balance transfer even if I wanted to if Citibank keeps decreasing my limit. What they are doing is unethical and seems like Im getting profiled by Citibank. Please help

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 2020-07-29
Company: EQUIFAX, INC.
State: MN
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:
There are 5 things reported in my credit report to Equifax that are fraudulent claims. I have provided proof many times over the last year, most recently again in XX/XX/XXXX, yet Equifax takes only days to " investigate '' and never gets verification of any such debts reported from the companies or otherwise. When I spoke to them I was told " we just call the credit company and ask if its valid '' then they verified " we do not get or have documentation of the debt ''. Examples are 2 XXXX XXXX policies that I personally closed myself and nothing was owed as I switched companies. Equifax has not been able to provide any proof or from XXXX of the report to my credit as any valid debt and I know is fraud. Additionally, there are 3 claims from the XXXX XXXX XXXX but I was only there on one day XXXX, XXXX and have provided proof to Equifax that my insurance and XXXX paid in full that one bill. There were not three seperate dates or charges there. Even with proof, Equifax did not take it off nor verify with the collection agency or institute. Equifax refuses to obtain any proof of claimed debt and does not accept the paperwork directly from my insurance company and the XXXX payment verification from XXXX too. This verifies my debt paid! Equifax does not validate or correct any of the information and simply keeps it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my consumer rights by double charging for the same account and by double reporting the same account to third party agencies and also by sharing my information without my consented written approval. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title. 
Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party.

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
1 ) Every. Single. Time. I call ISL/Aspire from my phone I am routed DIRECTLY to XXXX XXXX XXXX XXXX. I am NEVER given the opportunity to speak with customer service. This is illegal and not proper " servicing '' of my current and active student loans. I have called every single day this week and every single day ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I am routed to XXXX 's voicemail immediately. I had to call from an alternative number to be routed to an actual customer service rep, who I had to wait on hold for 15 minutes and HEAVILY ESCALATE until A LIVE PERSON would talk to me about my account. Again, illegal. 

2 ) In XXXX Iowa Student Loan ( Aspire ) issued me a 1099c. The identifiable event code was blank. I won't belabor with the struggle I endured to get a 1099c with a identifiable event code, but when ISL finally sent a SECOND 1099c it listed the identifiable event as CODE F - a discharge of indebtedness under agreement between the creditor and debtor. To be able to appropriately address tax liability I have requested a copy of the agreement that triggered this event. ISL/Aspire refuses to provide such documentation and also refuses to update the 1099c to correct the identifiable event because no settlement agreement exists. ISL/Aspire is purposefully and willfully damaging my credit and causing severe tax consequence as I have had to set up a payment plan with the IRS until this is resolved.

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 2023-05-06
Company: Bread Financial Holdings, Inc.
State: FL
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 cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, Bank of America has opened another checking account without my permission. I've spent countless hours on hold, driving to branches and getting tossed from one department to the next without any resolution. Due to inactivity on the fraudulent account Bank of America is trying to collect fees. Please advise, thanks.

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 2023-10-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. 


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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 2022-01-20
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Loan was previously serviced by XXXX XXXX XXXX, which had me in a COVID forbearance, which was extended verbally, every month. When the loan was transferred on XX/XX/XXXX, it was reported as current, bc I was in forbearance. 
2. Loan transferred to Fay Servicing, on XX/XX/XXXX. I requested a COVID forbearance, which was approved during my initial call with Fay servicing in XX/XX/XXXX. In XXXX I received a notice of default and called Fay, I was advised that this was standard and not to worry.In XX/XX/XXXX I received a letter that states I have requested a modification and that more documents were required. I submitted a loan modification application on XX/XX/XXXX, and then after more letters, I applied again on XX/XX/XXXX. In XX/XX/XXXX I was placed back in a COVID forbearance and was told REPEATEDLY that once that ended I would be offered a workout, not to worry. 
3. I was charged fees and reported delinquent while on COVID forbearance, my statements never indicated a forbearance, only that I was 300 plus days behind etc. 
4. In XX/XX/XXXX I requested to have my forbearance extended through XXXX, I also submitted a modification package to begin the post covid relief process, as I was instructed. A package was completed and mailed on XX/XX/XXXX. 
5. XX/XX/XXXX A notice of sale is sent, POSTMARKED XX/XX/XXXX, which means it did not arrive until AFTER XXXX, and EXACTLY 21 days after sale is RECORDED, there is a sale scheduled. Not once was I contacted or received any letter discussing my COVID forbearance extension, or any post forbearance options. None. No pay-off amount sent. No workout options, no assistance package. 
6. I downloaded a package and submitted the package from the website. 
7. On XX/XX/XXXX I finally XXXX XXXX for XXXX  after being very XXXX XXXX XXXX  since late XX/XX/XXXX. On XX/XX/XXXX I started to open my mail and catch up, when I saw a sale date scheduled for the same morning, I called Fay they offered no help. I had no choice but to file XXXX XXXX XXXX, which has affected me and will continue to affect me in a negative way. I was not planning to file XXXX, but was left with no option, since Fay had not even reviewed my application for assistance, & scheduled a sale immediately. My XXXX has been dismissed. As a result my sale has been rescheduled to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My taxes were deposited into my Chime account a few months ago. After I have access to my card for a while, I was about to make purchase. One morning I woke up for my daughters birthday party to make a purchase and the app said good bye upon trying to open up my app. I received an email on my SPAM folder that my account was on hold. After calling chime they gave me the reverie email. Review sent me over the documentation. I sent over ALL of the documentation that I had access to aside from the card that was connected to my account during the hacking simply because I have no ownership over that card. I sent over those documents multiples times. Chime closes my account ( after they told me I could get my funds in 30 days via check ) they then tell me because I havent completed the verification process ( with the card that was put onto my account ) I am ineligible for a check. Thats my TAX money. Im not working right now and I have a XXXX XXXX XXXX who Im raising. Im late on bills and short on food. This is literally the ONLY money that I have. Every representative that Ive spoken to has given me different answers as to when I can have my funds back, they have escalated my case and theirs still been the same outcome.

Company response to consumer: Closed with explanation