BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: Grimley Financial Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill dated XXXX/XXXX/XXXX for {$45.00} from XXXX XXXX XXXX. When I received this bill 6 months ago I immediately contacted XXXX XXXX XXXX regarding the bill to let them know 1 ) that this was a wellness visit to check my XXXX level and should be covered 100 % by insurance and 2 ) to let you know that the invoice states XXXX Uninsured Program on it. I have insurance and I provided my insurance information. A few weeks later I followed up again and then again to figure out what was going on. I was told on the phone that the bill was incorrect and they would resubmit with my insurance information. I said fine and then a month and a half ago I get a collections notice from aptly named XXXX XXXX claiming I owe {$22.00} and Im delinquent. I have never even received a bill for {$22.00}. The bill I received is was for {$45.00}. I am extremely disappointed that after diligently following up on this invoice repeatedly and providing my insurance information I am now in collections. I never even received a bill from XXXX XXXX XXXX for {$22.00} so I couldnt have even paid it. Im assuming that he {$22.00} is the same bill as the {$45.00} since the date of service is the same and I didnt have any other services performed that day. Clearly the {$45.00} bill was wrong as XXXX XXXX XXXX only sent {$22.00} to the collections agency but the problem is they never sent me in an invoice for {$22.00} so how was I supposed to pay this. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX and they confirmed it was an error and that the invoice was never sent to me. At that time I paid the bill in full for {$22.00} and they told me they would handle with XXXX XXXX and not to worry about anything more. Then the day after XXXX I receive another Collection Notice from XXXX XXXX for {$22.00}. I called them and told them I already paid it in full and they said that 's not what our records show and that XXXX XXXX XXXX would need to tell them that. I told them I can email them proof I paid it a month and half ago but they were not interested in the email. I have always paid my bills on time and to be in collections over a {$22.00} bill that XXXX XXXX XXXX agreed was never sent to me is concerning. Then to be harassed even after it was paid in full is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: AES/PHEAA
State: WV
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:
XXXX XXXX and XXXX AES and XXXX XXXX put on my credit report information they werent supposed too under the current situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I refinanced my car from the XXXX to Chase Auto in XXXX of 2016. I filled out all the documentation Chase requested and shipped off all the documents, around XXXX XXXX 2016 the car note appeared on my Chase account and I have been paying it there ever since. In XXXX, I received an Odometer statement that I put in an envelope and sent back to Chase. On XXXX XXXX, I was in a car accident and my car was deemed a total loss, I was in contact with both XXXX and Chase and while XXXX has been extremely helpful, Chase has not. XXXX provided me a settlement amount on XXXX XXXX and provided me a rental car for 10 days ( while they wait for some documentation from Chase ). It is XXXX/XXXX/2016, I am still waiting for Chase Auto to release my Title to XXXX so that the car can be paid off. I have been in contact with Chase constantly through this time trying to figure out what I can do to speed up the process and have not gotten anywhere. 
On my first contact they said the issue was my odometer statement never being received ( I faxed the document to them same day and nothing came of it ) on the second contact I was informed that Chase was waiting on the DMV to " perfect '' the title and to call back in a few days. When I called back I spoke with yet ANOTHER person who said that Chase never received a lien release from the Credit Union and I need to talk to the Credit Union and acquire this document as they can not get the Title without it. This went on and on, getting different information from each person I would get into contact with at Chase. 
I went to the Credit Union and they advised me that both the title and lien release were sent to Chase as soon as the refinance went through ( back in XXXX ). They provided me with another lien release and Chase informed me that I would need to take the document to the DMV ( JUST the lien release ) and they would update the Title. At this point my husband ran a VIN number check and saw that the Title was already in Chase 's name. He took this information to a Chase Branch and spoke with a banker who informed him that the refinance had never actually closed ( even though Chase added the balance to my account and I have been paying them all this time!! ) The refinance is open. Since XXXX 2016! They entered an escalation and stated that I should hear back within 3 days ( that was about XXXX ). 
I would like this matter to be resolved as soon as possible. I think someone at Chase dropped the ball during the refinance and I am having to pay for it. It 's getting to be more and more difficult getting to work without a vehicle, and taking an uber everywhere is getting expensive. I do n't think I can buy another vehicle with this one still on my account ( might increase DTI ), also I do n't want to risk having 2 car payments. XXXX is waiting on the Title in order to pay off the vehicle and it appears that Chase is unwilling to provide the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, XXXX. XXXX Advertised personal loans on line and mentioned upon contact with XXXX on XXXX/XXXX/2016 that I qualified for a loan of up to {$7500.00}. 
Only thing I had to do is have Lexington Law Firm : XXXX XXXX # XXXX XXXX XXXX, XXXX. XXXX Improve my credit and after enrollment with Lexington Law I was guaranteed a loan. It is a Scam because they both do n't answer the phones to cancel service. There has been no loan just a setup to have consumers enroll in a credit repair service for a charge of {$14.00} and {$99.00} a month. That you can pay with the loan proceeds. Contact at Lexington Law E-mail : XXXXXXXXXXXX XXXX loans are offered it is a scam to force consumers into retaining a credit repair service or Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Other

Complaint:
I had a credit card with Chase that was opened XX/XX/XXXX. Due to financial hardship and loss of income I fell behind and was unable to pay. XX/XX/XXXX, Chase issued a XXXX c for the Cancellation of Debt and I had to report the amount on my Taxes as income. Chase is still reporting to the Credit Bureaus that I have an outstanding balance and that amount continues to increase. I am attempting to improve my credit and this has impacted me for several years now, even after they cancelled the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent certified mail on XX/XX/XXXX asking this company for debt verification I asked for the amount that they purchased this debt for I asked for original loan document and proof that this debt belongs to me. The company never responded to my certified mail. And I have proof it was delivered. So I contacted them on XX/XX/XXXX and with a unsuccessful attempt the representative was so rude I instead of supplying me with the information I requested he interstates me with a hundred questions about the account he never provided me with any proof so he hung up on me.. I then call back about a week later and spoke with another representative and now Im being told because the previous representative put notes on the account that I was being represented by a attorney they cant provide any information.. I explained to that representative that I am not in any way being represented by a attorney and that the other representative was not being truthful when putting in those comments.. The company then said send us letter stating you are not being represented by a attorney via fax or mail and then we can talk to you.. well I have since done both and this company just continues to give me the run around and not providing me with the information that I am entitled to since this account is reflected on my credit report and I have made several attempts to contact them Ive been dealing with this since XX/XX/XXXX and still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX -Acct number XXXX Charged off credit XX/XX/XXXX I contact XXXX  XXXX about this closed account. They havent taken my credit report as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I attempted to apply for the American Express XXXX XXXX XXXX in XX/XX/2019 on the American Express website. The website was unable to submit my application and kept giving me error messages, on several different devices and internet networks. The welcome bonus offered on the website at the time was XXXX points after spending {$3000.00} in the first 3 months. Being unable to take advantage of this advertised deal online, I called AmEx, and applied for the card over the phone. I made sure to ask if I could receive the same promotion as was advertised online, and was assured I would. The agent then informed me that I had been approved instantly and the card was on its way. After receiving the card, I carefully made the required purchases to qualify for the welcome bonus. In XX/XX/XXXX, I had still not received my welcome bonus, so I called AmEx to inquire about the status of the bonus. I was told that it takes 6 months after opening the card to get the bonus. In XX/XX/XXXX,  more than 6 months after opening the card, I had still not received my bonus. When I called to inquire about this, I was told I had no record of a welcome bonus on my account, and was instead offered XXXX points for my trouble. This is a flagrant example of false advertising and bait-and-switch sales tactics, which resulted in serious financial damages as I wouldnt have spent any money on the card, or even opened the account without this welcome bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case # XXXX. This concerns our complaint. Wells Fargo sent us an envelope where they pretend to have wrapped this case up. We agree with only about XXXX paragraphs out of about XXXX pages. We understood that they were selling our loan It was only a case that Wells Fargo was changing Servicers and giving us a new address to where we send our payments. The rest of the information is in fact taking the truth and mixing it up with total false information. We do not agree with their explanation, we have a paper trail that proves the opposite of what they state. This is business as usual with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get Wells Fargo to talk to about my mortgage to save my house from foreclosure for the past 4 years with no resolution. I attended the workshop that the DOJ held on XXXX in XXXX and was told that I needed more paperwork sent ( again ) which I sent on XXXX as I agreed. Wells Fargo was suppose to contact me on XXXX to confirm and to date I still have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had XXXX credit cards from the same banking institution for many years. XXXX has an interest rate almost double of the other XXXX. I wanted to get that higher rate lowered at least a little bit. I hit a brick wall when calling the Customer Service number on the back of the card. I went to a local branch and spoke with the Branch Manager. He was very helpful and informative and said he 'd contact his counterparts in the Credit Card Division and see what could be done. He called me back within 24 hours saying he 'd hit the same brick wall. The Credit Division was adamant in their stance that the rate remain at almost 25 % when the other XXXX cards were lower than 12 %. I want to know why they wo n't even talk to me or the Branch Manager about how to get the interest rate lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My Chase 24-Hour Online banking account often displays out of date information, including payments recently made. See attached documents. 
A payment made to XXXX Account on XX/XX/XXXX shows as paid, but still does not show on my Chase activities by XX/XX/XXXX. If it 's already paid, it should show as activity on XX/XX/XXXX. 
This has become a consistent problem, resulting in inaccurate info on my account, which then results in overdrafts and fees. It seems this is done to maximize collection of overdraft fees. I 've complained about this to Chase by telephone before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016, I applied for a Citibank Gitigold Interest Checking Account with a XXXX promotional offer ( XXXX ). The offer was sent to a friend - not to me. I mentioned that detail to the account representative at the time that I opened the account and was told that I still qualified for the offer. I completed the promotional requirements by XX/XX/XXXX and waited 90 days for the points to post. When the points did not appear in my account, I sent a message to Citibank to confirm that I would be receiving the points. Citibank opened an investigation and determined that there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of my account. On XX/XX/XXXX, I contacted their customer service department and spoke to a representative who told me the same thing. 

I understand that Citibank wants to limit promotional offers to targeted customers, but when I mentioned that I did not directly receive the promotional offer at the time I opened the account, I was not informed that I did n't qualify. Further, I did not receive any disclosure in the account opening documents or over the phone that indicated that certain individuals could not qualify for the offer.

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 2015-07-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have received 11 calls from Citi Bank on my cell phone asking me to call them. I call and I am asked my account number. I do not have an account with Citi Bank. I had several managers of Citibank research by the last 4 digits of my social security number and they find no records connecting me with Citibank. I have spoken with 4 different managers who said they would stop these calls. They continue. I have a high credit score, am a lawyer and I am stumped on how to stop this harrassment. Can you help me? They cal from XXXX and XXXX. I am directed to call them at XXXX, and then they ask me for my account number. Every day I tell them I do not have an account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

XXXX  XXXX {$4000.00} XXXX  XXXX {$5300.00} DEPT OF EDUCATION/XXXX  XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I decided to use experian again to boost my credit score.It boosted my credit score but decreased by 24 points on XX/XX/2020..

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 2015-05-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I submitted a payment through the credit card website. The credit card already had all my checking account and routing information saved, since I have made payments in the past with no issue. I bank with a large national bank and I know none of my account information has changed. My payment due date was XXXX/XXXX/2015 and I made my payment on XXXX/XXXX/2015. If I did not religiously check my checking account and see the payment was not posted, I would not have known that there was a problem. I contacted my financial institution ( not the credit card company ) and they stated they did not receive any debit requests on my account. So I know it was not my bank, but the credit card company that was having the issue. I did not receive any communication or notification that there was a problem with the payment. So not only was I not notified that there was a problem with the payment, but the credit card company charged me a fee for a returned payment. This credit is a Macy 's Credit Card issued by Department Stores National Bank. I submitted XXXX inquiries through their " preferred '' communication channel. The XXXX inquiry was submitted four days ago and I have received a response. The XXXX inquiry was submitted 24 hours ago, again no response. I feel that this is a deceptive and abusive practice on the part of Department Stores National Bank ( Macys ). This is blatant attempt to increase fee revenue on a customer that pays their bill in full and on time. I could understand if I entered the information incorrectly ; however, this is not my first time making the payment through their website debiting my checking account. All previous payments posted without an issue. And the lack of any communication/notification means they are trying the hide the fact that they made an error and charged the customer a fee. Typically, people will only check their account when the statement is generated. By then, most individuals are accepting of the fees and do not realize that they were also charged interest on the unpaid balance. This is Department Stores National Bank 's greed coming into play.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief