BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
This is regarding the currency exchange I made at Chase Bank branch at XXXX XXXX XXXX XXXX, NJ XXXX, on XX/XX/2018. 
I asked to exchange about XXXX US dollar to XXXX Krona. I asked about rate. The bank teller hesitates a while, and said I could exchange XXXX Krona for XXXX USD with the rate about XXXX. I asked if there is any other fee. The answer is no. As a longtime Chase Bank customer, I did not think much. I took the receipt after the teller placed the order, and leave. 
I looked at the fine print on the receipts later, and found that it says the rate includes commissions. I went online and did a quick calculation. Based on the published market exchange rate at that day, XXXX Krona equals to about XXXX USD. So the exchange rate from Chase Bank is over 11 % higher. 
I think it is cheating by including high commissions into the exchange rate, and not informing the customer about it in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.

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 2018-02-23
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a call on XX/XX/XXXX about a debt with a collection agency for XXXX XXXX that I had not even received a final bill with after filing a billing dispute in XX/XX/XXXX over the amount when canceling my insurance. I told the guy witn the collection agency I hadn't even gotten a corrected bill which by law they have 60 days to send me and I have to pay The guy at the collection agency said they mailed me a final bill XX/XX/XXXX. And I said but you are calling me XX/XX/XXXX not even 30 days after a final bill was mailed that I never received. XXXX never mailed the bill. 
I said I dispute this. He said well it's accurate and if you don't pay today we will damage your credit and the whole nine yards. I told him I'm calling XXXX. What you are doing is against the law. He said it's not we can do whatever we want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: CA
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:
On ( XXXX XXXX XXXX ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2018-11-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
With my Business Platinum Credit Card through American Express I am promised a XXXX to XXXX ( XXXX per point ) value per point with my selected airline. After that I am also supposed to get 35 % of my points back on with flights booked thorough my selected airline. My selected airline is XXXX. XXXX XXXX does not allow amex travel to book directly with them. Because of that I am required to book directly with XXXX wait for the payment to post- then call AMEX to get the point adjustment. I have done this many times previously, I have had the card for almost two years now. This time an American Express representative is trying to keep my points and not give my 35 % points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
While currently serving in the United States XXXX XXXX overseas ( XXXX ), Navient put my student loans in default. Navient has my XXXX XXXX address because it was provided to them before I departed the United States for my service. 

To begin with, prior to leaving California, my loans were in deferment because I was a XXXX XXXX student at XXXX XXXX. I spoke with a representative the 1st week in XX/XX/XXXX and requested a XXXX XXXX XXXX. They informed me that my loans were in good standing and that the paperwork regarding my full-time status at XXXX State and my enrollment in the XXXX XXXX was acceptable and that I had nothing to worry about. I wanted to make sure, before leaving the States, that Navient wouldn't make any mistakes and place me in a default status : was I wrong. Just recently, I found out within my year abroad that my loans defaulted and that my credit ruined. I contacted Navient over a course of 3 months. Over this course of 3 months, I've spoken to several representatives ; sent emails and I have given them my address where they could send notices. Never once have I received in writing or email, that my loans were in default. I finally spoke to a representative who assured me that everything should be ok and that I will get an answer. In the meantime, I sent Navient every document : XXXX XXXX proving I was enrolled full-time and an official letter from XXXX XXXX stating that I am serving for 2 years and 3 months. With that said, I received an email from Navient stating that my loans are in good standing and that I am in forbearance and have to make a payment starting in XX/XX/XXXX. The problem with that is I am in the XXXX XXXX and can not make payments. My service ends XX/XX/XXXX, and will not be gainfully employed, but will enroll back at XXXX XXXX XXXX of XX/XX/XXXX. Instead of placing me in a deferment status, I'm in a forbearance status which was not suppose to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) issued credit to me based on my spouses request without notifying me. I never condoned it, I never gave any information nor was contacted by XXXX XXXX XXXX or XXXXXXXX XXXX. 

I am concerned because 1 ) My credit was accessed without my persmission 2 ) Per XXXXXXXX XXXX ( XXXX ) ANYONE can be added by providing a name and date of birth and no confirmation needs to be given to the person. 

I am concerned because XXXXXXXX XXXX can not remove the inquiry or credit line from my credit report per my phone call with 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 explanation
Consumer complaint received 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with BK OF AMER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$55.00}

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 2018-08-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir, I am going through the Experian Credit Report dated XX/XX/2018 and also checking inquiries on my report. I have closed all my individual chase credit cards on XX/XX/XXXX and XX/XX/2018 respectively. I have noticed that, Experian credit report has fraudulent inquiry of XXXX Credit Card dated XX/XX/2018. XXXX is a fraudulent credit card company and hence I have closed all the credit cards, same has been recorded in CFPB complaints, Fraud and Identity complaints. 
Why did chase inquire about my social when I have not contacted XXXX   XXXX or I do not have any plans to have any kind of XXXX  credit card. Could CFPB direct XXXX XXXX/Experian to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct XXXX XXXX/Experian to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my Experian Credit file.

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 2018-06-26
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I spoke with Monterey sometime in XXXX, stated that I could have been a possible victim of identity theft. Later while speak with the gentleman on the phone ; I researched my bankruptcy documents ; and noticed that XXXX and Monterey was listed in my bankruptcy proceedings. I explained to them that this collection was included in my bankruptcy. I also have written proof that it was included in my bankruptcy. The collection account was removed from my account. The following month ; this collection was added back to my credit report. This needs to be permanently removed from my account. The documents attached on page 14-15 clearly show XXXX and Monterey listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.

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 2018-08-26
Company: SUNTRUST BANKS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.

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 2018-08-26
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is in violation of Fla Stat 559.715 which states " a letter of assignment must be sent out within 5 days and the alleged debtor must be given 30 days to dispute validity of a debt prior to lawful collection activity being commenced. '' Balanced healthcare did a soft inquiry on XX/XX/XXXX ( which clearly violates the statute in question ) when most of my medical debts either have been pd in full or are on pymnt plans. 
I haven't received anything from this agency and last time they tried to collect on a debt it was to have gone through my insurance ( since i have ambetter from sunshine health since XXXX of XXXX ) The only 2 med debts i owe is to XXXX XXXX and to XXXXXXXX XXXX XXXX. Both of these are on pymnt atrangements and i have proof both have been pd on month after month. 

XXXX XXXX XXXX XXXX has been pd in full since XX/XX/XXXX ( i have proof showing the debt from this organization is at a XXXX bal ) .All XXXX XXXX XXXX bills have been pd in full through north amer credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Bread Financial Holdings, Inc.
State: TX
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:
Your company is reporting the accounts on my credit report as a collection account. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, D.C. XXXX Thank you for offering this service to handle complaints. 

I found out about it from a column by XXXX XXXX in the XXXX  XXXX. 

In XX/XX/XXXX I looked up my credit rating on the website XXXX XXXX where it has ratings by XXXX  and Equifax. 

After noting a derogatory remark on my report, I disputed it with Transunion via their online website and they resolved and removed the discrepancy. When I tried to dispute the same derogatory remark via Equifaxs website, it was unable to verify my identity and said that I needed to verify my identity by mailing in a form and supporting documentation. Although the form said my request would be processed within fifteen days, I received no response. I sent a second form and documentation in late XXXX and received a letter response back. 

Although I noted on the Equifax form mailed in XX/XX/XXXX ( and XX/XX/XXXX ) that my address was in XXXX, VA, on the letter I received from Equifax dated XXXX XX/XX/XXXX it stated that I needed to verify my current address in Washington, DC - an address at which I had not lived since XXXX. 

I wrote them a letter on XXXX XX/XX/XXXX explaining that I had not lived at that Washington, DC, address since XXXX, shared my four addresses ( and dates at those addresses ) and enclosed various documents as proof. I also requested that the discrepancy that XXXX cleared be cleared on their ( Equifax ) records, too. It was sent Priority Mail, and was delivered at XXXX on XXXX XX/XX/XXXX according to U.S . Postal Service website tracking The documentation included : a copy of my social security card copies of the following documents that prove my address from XXXX and XXXX Form W-2 Wage and Tax Statement XXXX XXXX XXXX XXXX dates XXXX Form W-2 Wage and Tax Statement XXXX copies of the following documents that prove my address from XX/XX/XXXX to present Form W-2 Wage and Tax Statement XXXX Form W-2 Wage and Tax Statement XXXX Utility bill dated XXXX Gas bill dated XXXX Current twelve-month residential lease I have not yet received a response from them. This delay is affecting a major purchase I need to make in the next few weeks because I want mt credit score to be accurately reflected. 

Thank you for your assistance. I am available to answer any questions or provide additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first sent a certified letter to Receivables Management Systems on XX/XX/2021. I received no validation of debt but was sent a bill instead saying they hadn't heard from me. The letter I sent was from the address on my credit report on XXXX I received no response, bill has different address then what is reported on credit report. 

I then sent a follow up letter on XX/XX/2021 asking for validation of the debt owed. This was also by certified letter, it was sent to another address given on a different credit reporting on XXXX I received no response and was sent a bill on XXXX instead saying they haven't heard from me. There was a different address on the bill then what is reported to the credit bureau. ( I have confirmation they received each letter from USPS website tracking ) I then followed up with my 3rd letter by certified letter on XX/XX/2021. Asking for validation of debt again, I sent this letter to the address on the bill. I received no response. Nothing, until XX/XX/2021 saying they hadn't heard from me. Even though I know they received each letter. 

I then my 4th letter with copies of each letter that I had previously sent, copies of each certified letter to them, to address on bill on XX/XX/2021 this was sent by certified mail as well. 

I received no response again. I then sent my 5th and last letter to them asking for validation that this was my debt, on XX/XX/2021. I sent this certified letter with a return receipt so they would have to sign for it this time. I have all electronic receipts through USPS of when it was received each time by there office. I then received a letter back from them, it was quite rude and told me they are not required to give validation of this debt since they received no response from me they said. Which is simply untrue. I have proof of the letters and receipts that have been sent over a 5 month period. 

They are not following the law, they haven't responded for over 5 months, and then send me a bill with personal medical info, which is against HIPAA rights, they have no legal right to have that information because they have not shown a sign copy of a release from me for HIPAA medial information. They are in serious violation of several collection practices. 

I want this debt removed, they have no legal basis, they have no contract with signature that says I'm require to pay them, they have no HiPAA release from me either and I have no legal obligation to pay them because of that requirement. They have to follow the law and they are breaking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We had a home equity loan that was made into a mortgage account without getting permission from us to change it into a mortgage. How can you make an equity loan into a mortgage? The home equity loan has been paid in full ; however, that have left a XXXX ( XXXX ) on the account and we can not close the account, even after paying the amount plus the XXXX they will not remove it. They did pay some taxes that is in question and after speaking with several persons for Well Fargo, we can not come to a decision. This has affected my credit score because it states that it's late and it is not.

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