BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: DISCOVER BANK
State: NY
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. 

I recently learned that my personal information was used to open an account at Discover. I did not open or authorize this account. 

After contacting Discover, I realized that the thief used an incorrect address and date of birth when this account was opened. The DOB Discover has on file is XX/XX/XXXX when in fact my correct DOB is XX/XX/XXXX ( as evidenced on my driver 's license ). This is a clear indication of the identity theft. 

I filed an identity theft report with the XXXX Police Department and contacted Discover as well as the 3 credit bureaus, XXXX XXXX and XXXX on or about XX/XX/XXXX, requesting that they take all appropriate steps to remove information about this account from my credit files. As of today, more than 30 days later, this account still appears on my credit files. 

Discover failed to act promptly to remove and block the inaccurate information from appearing on my credit file. This affects my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the supervisor. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work for XXXX XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work at XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. XXXX clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the XXXX major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the XXXX XXXX XXXX and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me.

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone.

Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.

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 2016-09-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello. 
This problem has been going on for three years. Due to a divorce I am no longer able to pay my mortgage. Three years ago Chase agreed that I would be able to do a short sale. Since I was approved I have gotten multiple offers, including cash offers. All denied. I have been bombarded by phone calls from their collection department which knows absolutely nothing about my account. I explain to them about being approved for a short sale and they say they 'll note the account but keep calling and calling and calling. I have had over FORTY, yes XXXX different people in charge of my account. It seems once I seem to be making a little progress in the situation I am moved to another representative who knows nothing if I can even get them to return my phone calls. I beg my realtor to not quit as she has ove 300 documented hours of time dedicated to dealing with the bank. 
As of rite now a offer has been put in and has been denied. The person who denied it has said he does n't remember denying it and ca n't give us a reason as to why. We have put a appeal in and ca n't get anyone to call us back. Please, I do n't know what to do. I am a simple man and need to get on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Revco Management, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my behalf, my XXXX ordered a XXXX. In XXXX, I started receiving unsettling bills for it amounting to {$960.00}. This is a covered benefit through my insurance. While on the phone, this has been " corrected '' and " disputed '' multiple times on a monthly and bi-monthly basis. They have agreed to stop harassing me via phone but have started mailing me bills. They claim to have no notes past the XXXX calls and hence do not have notation of how to correct this issue. I have been told on multiple recorded phone calls that this is being reviewed and is obviously valid. We have even been on calls as a group with XXXX and XXXX. Please help me to correct this issue and get someone on the phone to actually be able to review and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: WorldRemit Corp.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/21 I was notified by my bank the WorldRemit located in XXXX CO. debited my credit card for {$300.00} and attempted another charge for {$100.00}. The second transaction was flagged as fraudulent by my financial institution after the first one went through. A search of the business revealed multiple complaints from numerous people complaining of the same attempts on their cards. I believe this is wire fraud, correct??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage significantly overcharge the payoff amount of my primary home loan by more then {$8500.00} at closing when I sold my home in XXXX XXXX. The previous year in XXXX, XXXX we executed a term-extension only modification that spiked our payoff over {$11000.00} from the previous month 's statement, which Chase can not reconcile after spending many hours reviewing their detailed history on the phone. I hired an Accountant to audit the detailed history suggesting I contact CFPB after no calculus with arrears back escrow, interest, accrued penalty come close to fees charged. Additionally Chase refused our full mortgage payments we paid in the successive months prior to modification which hindered our efforts to make catch up payments avoiding the need for modification

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
The company never disclose to me that if I had an extension on a monthly payment that it would affect me negatively on my credit report so about XXXX different times I requested an extension but my loan is paid in full and now in the credit report it says that I had a 30 day late payment which is not true. The company was XXXX. It shows XXXX balance on my credit report with XXXX but I want it removed from my credit report

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 2016-11-17
Company: ACS Education Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to get my loan that is currently consolidated with ACS-Education Services to be transferred over to XXXX which is the student loan forgiveness program through the government. They will not release my information to the company, I have made many attempts. I have even made a complaint to the XXXX Group who is still trying to retrieve information from them with no success. They keep raising my IBR payments when I submit my paperwork or they lose it and say that I have n't sent it in. I have really had a hard time with this company for some years now and it seems that I 'm not the only XXXX. I am in a waiting period to see if the Ombudsman group can find out whats going on. In the meantime my information is not being put in the system correctly when XXXX has tried to retrieve the loan or they keep changing my status. I have been billed for this month on the XXXX but for everything that I have been through I feel that I have to refuse to pay until they release my loan to XXXX. I 'm on here because I do n't want ACS to mess up my credit while going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently found out because of letters from chase bank that I owed money on a checking account opened XXXX of 2015. I did not open this account nor did I have any knowledge it was opened. After repeated calls to chase informing them that I did not open the account and this is a case of identity fraud the basically told me there is nothing they can do. I ca n't believe that chase can open an account that was fraudulent to begin with and now they havemail no one for me to contact within chase to help me fis this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took money out of my equity line of credit at 3.25 %. Then after my withdrawal period end date, the interest shot up to 7 %. I was never notified that that would happen when I signed the contract for it. It was in the contract that it the interest rate could increase up to 18 % but as a first time consumer of this product, that is an important point to be up front about. The product was from Washington Mutual which Chase bought out. Chase did not inform their personnel of this particular loan. 
I then informed the bank manager of what happened to me. She could not go back to the personnel who helped me to see what happened from her side. I asked her to inform all the personnel in the bank about my situation so that it would not happen to anybody else. 
I then informed my dad about his equity line of credit similar to mine. He went to the bank and got even a better rate of 2.74, very enticing. We went to the bank together and the personnel did not know about the hike in interest rate after the withdrawal period. She suggested that we lock in the rate but did not know the lock in rate. My dad believed that he was getting the 2.74 % rate throughout the loan period. I had to insist calling the loan center to get the right information. Like me he was misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: JPMORGAN CHASE & CO.
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have many inquiries on my XXXX account listed for the year 2015. I have not applied for any credits because of the debt on my credit files. Applying for credits with a debt will lower my credit score. I believe a third party is using my personal information for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This debt collector called my family member and talked about my debt when they didnt have a power of attorney. They told them I had debt I was unaware of and I want it taken off my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
unauthorized use of my credit report

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 2015-05-12
Company: The Leviton Law Firm, Ltd.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I asked for documentation to support the debt and received thtreatening phone calls from agent who called herself XXXX XXXX from the Leviton law Firm

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Early Warning Services, LLC
State: NJ
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:
XXXXXXXX XXXX  used : Early Warning Services , LLC Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, AZ XXXX Tel XXXX Fax XXXX XXXX XXXX XXXX To verify my checking account. It was denied by this firm as being a legitimate account despite me having an XXXX XXXX credit score. The information provided to XXXX is incorrect and not accurate. When I called the firm above to inquire as to what is going on, they forced me to indicate whether I was over XXXX XXXX XXXX or not and then tried to sell me a medical insurance policy. This is not a legitimate credit reporting firm. 

When submitted again, it seemed to have gone through but we will see if we get another disapproval letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I disputed an XXXX charge ( it was double charged ) on my BofA XXXX. The bank said after their research both charges were valid. That is incorrect. BofA did not do sufficient research to protect their customer

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 2016-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion makes it virtually impossible to initiate a dispute on line.

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 2016-05-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Application processing delay

Complaint:
On XXXX XXXX, I submitted an application for a new business credit card with Chase and received an email that included the following : " We 'll let you know of our decision through U.S. mail within the next 30 days. Please do n't resubmit this application while waiting for our decision. '' On XXXX XXXX, I finally called the customer service center and was informed that the application was denied. No explanation was provided and I have yet to receive any communication from the company. This is unacceptable for a small business start up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Hello. I am Citibank checking customer since XX/XX/XXXX. On XX/XX/XXXX, I signed up for Citibank savings account ending XXXX via the banner offer which i an attaching as a PDF printout. After signing up for the account i called Citibank and the representative assured me that i will get the offer. As per offer, i am supposed to receive {$300.00} for keeping {$25000.00} or more until XX/XX/XXXX. I kept more than {$25000.00} in the account till XX/XX/XXXX but now Citi bank is saying that i am not eligible for the offer They are saying that i was not targeted. The PDF printout states that i was enrolled in the promotion and terms and condition on the PDF print out does not have any language regarding targeted and Citi representative assured me that i will get the bonus for keeping above {$25000.00}.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: OH
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:
Companys Ran my credit without consent multiple times . XXXX 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 explanation