BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Reference XXXX XX/XX/2020 LETTER OF DISPUTE I disagree with the outcome of the dispute with XXXX XXXX XXXX for the amount of {$650.00} posted on XX/XX/2020 on my XXXX Chase XXXX account. 

On XX/XX/2020 Ive made two purchases with different XXXX XXXX for the amount of {$650.00} using my XXXX Visa card one of the transactions was made with in store purchase ( XXXX  XXXX  XXXX ), another one was made using XXXX XXXX ( XXXX  XXXX  XXXX ). Both charges were for the XXXX XXXX XXXX  which Ive purchased but had to return. 

While XXXX  XXXX  XXXX transaction was properly refunded as shown on my account, XXXX XXXX XXXX wasnt refunded even though the return was completed via XXXX Tracking XXXX XXXX XXXX on XX/XX/2020 within XXXX Return & Refund policy. Please consider supporting documents attached. 

On XX/XX/2020 Ive received a message from Chase, stating that my billing dispute was closed because the merchant is already issued a refund, which isnt correct, because XXXX XXXX XXXX didnt refund {$650.00} back to my account. 


Therefore, Im kindly asking to reopen a billing investigation, consider all the supporting documents attached and credit back {$650.00} back to my account. 




Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Other

Complaint:
A chase credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called Chase and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/2019 which is XXXX years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong Chase has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over 7 years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with XXXX and they came back and said Chase did not agree to remove. I have called Chase probably a dozen times over the past 3 years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022 Someone fraudulently used my name to withdraw XXXX XXXX from my account. I reported it to the bank the next day. The bank kept saying that they were investigating. Refused to claim. This time I have to call the police. 
XX/XX/2022 Once again, someone used my name and driver 's license to withdraw XXXX XXXX from my account. I didn't leave my side during the period of my driver 's license and other ID documents. I also felt incredible, but the bank refused to settle the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: ALLY FINANCIAL INC.
State: NC
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:
I have a late payment on my account because I attempted to pay it online using the portal that the company offered but I had repeated problems with the portal when trying to enter my payment. After a couple days of trying i called the number when i had time and made a payment over the phone It was late but not 30 days late but i now see my report and i now have a 30 day late payment on my report from that company from that month. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not only not 30 days late but it was caused by a problem with the portal. 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 explanation
Consumer complaint received 2022-10-11
Company: LAKE MICHIGAN CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My computer was compromised on XX/XX/2022. Several pop-up alerts were on my computer saying that I needed to call XXXX to fix the issue, I contacted the number and someone was guiding me through several pop-ups leading to a black screen. They told me to enter certain letters, numbers, and symbols by the blinking cursor. They were talking to me about the amount of money in my bank account. They told me that I need to go to XXXX or XXXX to get gift cards, then come home, because they needed to get the information off the cards. I purchase {$4800.00} in gift card. I found out later that they took the money out of my bank account. I was very nervous about this whole issue. I have XXXX and on very heavy duty medication. I contacted my son and he told me that this is a scam. 
I contacted the police department to get a statement and a detective is also suppose to contact me. Right now I am not getting any help from anyone about this matter to get my money back. I was told by XXXX  to contact you to tell you what happened. I hope I can get some help from you. Thank you for your time in this matter.

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 2021-01-05
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have received a debit card from Citibank, a bank I do not use. I called them and they told me that there was an account opened under my name and with all my personal information. 
that account was opened on dic XXXX. I was out of the country at that time. I told them to cancel the account. 
the problem is that who ever did this has all my personal information SS, address, phone number, everything. 
Please tell me what else can I do to report this

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 2016-05-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am Owner of a Unit at the XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX since XXXX. Our XXXX XXXX have every year renewed the corresponding XXXX XXXX Policy on time. Since XXXX thru XXXX I have been paying my monthly mortgage to different Lenders without any inconvenience. Ocwen Loan Servicing , LLC, located at XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX, my current Mortgage Lender over 4 years, after GMAC was on Bankruptcy, demanded on XXXX that my Unit was not covered for any Property Insurance Policy, which was refused & we provided our XXXX Master Policy effective since XXXX - XXXX. Later on XXXX, Ocwen again sent to me different letters ( attached to this Claim ) regarding the same issue and for a forced placed Insurance Policy interior improvements coverage for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I provided copies of our Condo Master Policy and Certificate of Liability effective XXXX - XXXX from the corresponding Underwriter Insurance Company. We explained my Mortgage was refinance on XXXX and I have no obligation of any additional property coverage other than our Condo Master Policy. Interior coverage is just an option for Home Owners, not an obligation, according to our Condo Master Policy and my Mortgage content. Any previous Lender, nor Ocwen at the beginning of receiving my monthly payments, never requested additional interior property insurance, until XXXX. Every time we tried to contact Ocwen Customer Services ( XXXX or XXXX ), always a foreign representative from XXXX, XXXX, XXXX, XXXX, just had responded to me my obligation about the Insurance Policy. Finally, Ocwen on XXXX/XXXX/XXXX, illegally deducted from my Escrow Account the amount of {$1600.00}, which currently is in negative balance so, I demanded to have my records with Ocwen CORRECTED and have de insurance REMOVED, because I do not owe for the forced placed Insurance Policy No. XXXX, XXXX XXXX. XXXX with XXXX XXXX XXXX COMPANY forced and illegally imposed by Ocwen on XXXX/XXXX/XXXX. As I have not been able to resolve this problem by my self, I requested legal services thru an XXXX Law, who has sent several demand letters and Ocwen just has responded requesting additional time, which has been expired without any response. Now, I have found this additional legal resource in order to be investigated this issue because I have found online other complaints against Ocwen ( XXXX ) for Rip-off reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Issues over payment amount resulted in forclosre. I was not aware of amount to pay after it was changed by Servicer. Attemtps to clarify failed. My payments were rejected when OCWEN could have clarified my understanding of how much to pay since they rejected it. I did not know the payment amount until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to get in contact with Mohela Customer Service and the phone keeps disconnecting. I checked my online and there was no update on my PSLf count After XX/XX/2022 I currently have XXXX Tslf and XXXX PSLf with over XXXX qualified payments. Mohela never advised me I need to update my certification from my employer. I completed on XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a freeze on my Experian credit report on XXXX XXXX and was advised by the automated system that I would be emailed a new PIN. I did not receive an email and have tried for the past hour today ( XXXX XXXX ) to reach a live customer service representative to find out where my email is. The Experian system will not allow one to speak to a customer service representative ; the system says that live representatives are only available " in limited circumstances '' ( which are not described ) and will not put the call through. I've tried several contact numbers and gotten the same feedback. Not helpful to consumers!

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 2017-02-10
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended the University Of XXXX at the time of registration i advised the enrollment department that i did not have my XXXX or XXXX i was told that it would be fine, all to find out that none of the credits that i obtained are even valid because you can not get financial aid without being tested and or having a XXXX or XXXX once i found of about this i withdrew from the university of XXXX the school then sent the funds back to the government and placed my account in collections i have not been able to get this resolved and it has been almost XXXX years. The university of XXXX has a XXXX for not applying funds from the government to accounts instead sending students to collections. I would like to have my loan removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
suspended my account and stated the account would be activated in a few days but hasnt. i called the bank and the customer services person disconnected XXXX times after having waited XXXX mins each time. I have funds in the account but cant access via website. HSBC Premier customer service is awful. They need people who give a XXXX about servicing clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied for an offer in XXXX XXXX, 2016 from American Express that offered XXXX points after spending {$3000.00}. The offer was publicized by a well-known affiliate of American Express, XXXX. I met the spending and was granted the points on XXXX XXXX, 2016. Almost 10 weeks later, the points were removed on XXXX XXXX, 2016. When I inquired about this matter, I was told that I did not meet the spending and Amex waited until after the spending period was over to remove the points and communicated nothing to me in the meantime about any spending being ineligible ( the link is XXXX ). It was not a coincidence that Amex waited until after the promotional period to remove the points. They did not want to give any indication that in their view the bonus was not spent during the promotional period because it would give the customer an opportunity to understand the spending position and supplement any spending. These points should be credited immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX called to cancel service was told they can cancel effective XX/XX/XXXX Received several collections calls XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XX/XX/XXXX place complaint with FCC XX/XX/XXXX Spoke to XXXX regarding my complaint was told that I have no choice but to paid the full amount because the company is a business and even if I could not afford to pay for services I did not agree to or receive. I hung up on rep because he was not looking to work with me but to collect money. 
XX/XX/XXXX received a call from a collection agency CBHV I am being forced to pay for services I did not receive or agree to. 
It is unfair XXXX are using unfair business practices during an epidemic and when are so many people can not afford their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: Big Picture Loans, LLC
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for a loan with Big Picture Loans- and came to find out after being approved for the loan that they are not licensed in my state and are also charging rates of interest that are illegal in my state. When I contacted them about this they told me that they operate on tribal land and are not governed by state laws and licensing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone stole my identity and got a phone and its un fair this not me and i never had a phone with this company and i want it off my credit now, please removed this out my name.its a shame someone out here using my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, Currently, Transworld Collections sent a notice of SSI offset to an old address, however they had my current address, as I have received the current invoices. Because of this, they were able to convince the DOE that I did not respond, therefore DOE allowed the offset. 
Previously, I hired a student loan specialist, XXXX from XXXX, in XX/XX/XXXX. We spoke with Transworld on many occasions, to no avail. Additionally, explaining that I would be retiring on XX/XX/XXXX. They were uncooperative and gave us the runaround ( the complexities of which I will not go into here ). 
According to the info I have read on the DOE website, these people are suppose to work with student loans for rehab purposes. They were already receiving XXXX {$400.00}. per month and to rehab they insisted on an additional XXXX This was not affordable. I am retired now and on Social Security of $ XXXX month. Nor was it in compliance with - " The law has always said that borrowers only have to pay reasonable and affordable amounts. '' IE : New Rules for Loan Rehab-XX/XX/XXXX. 
They would not budge. 
A real mess that could have been avoided if they had adhered to the laws enacted by DOE. Then we sent XXXX pages of past efforts to rectify the situation to the Ombudsman 's office of DOE. No conflict of interest there ... Transworld was hired by the DOE. 
Also, I explained the predicament to a representative of the DOE-Ombudsman office, XXXX, she told us to call Transworld and renegotiate? My student loan specialist and I had done so in preceding months which we explained in the cover letter to the Ombudsman 's office when we sent the pages. 
At this point, I am hoping that your office will negotiate a minimal payoff or to rectify their use of false pretense to offset {$150.00} from my SSI. According to Social Security, collections agencies are entitled to 15 % of any monies from SSI over {$750.00}. per month, which would be {$39.00}. not {$150.00}. 
Please help me, I am running out of options ... as all the lawyers I have contacted will not take the case, saying that it is a matter for a negotiator. If I had the money I would sue DOE and Transworld. 
I have been honest and cooperative in the face of their manipulations and high-handedness ; however it is obvious that a more legal stance is necessary. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt is stale, from 2003. 
Original debtor discharged this debt ; XXXX collection agency has failed to provide verification and that debt was sold to several different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: URS Holding, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
All calls started in XXXX and have continued every single day since. They call every single day 2-3 times per day and im even making payments to them the XXXX of every month yet they still keep calling all the time. i can make a payment and they call the next day about another payment. they also tell you to borrow money from friends or neighbors to pay off the debt. at this point they are harassing me and annoying me calling so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked them to stop calling me every hour every day. I have told them I wanted a signed contract with my signature where they say I owe them for a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation