BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021, Chase decreased the limit significantly on all 5 of my credit cards issued by them. This was due to an error on my credit report where I was being reported seriously delinquent on an account. The error has been cleared up on my credit report. However, Chase says I must request a limit increase to have my limits restored. It would appear as in inquiry on my credit report. As I was decreased due to an error, they should restore the credit limits on all 5 of my cards without a hard pull to my credit reports, but they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I need help with a private Nelnet/Firstmark student loan. I am currently on XXXX and held a Nelnet Federal Loan as well. The Federal loan was forgiven. The Nelnet /Firstmark private loan they will not forgive. 

I am XXXX years old and on Social Security XXXX. I took the loan out when I was a single mother struggling to pay my bills and went to school to be a XXXX  where I never made any more than {$3200.00} a year. The loan of {$12000.00} was disbursed on XX/XX/XXXX at a variable rate of 4.750 % and the current balance of {$13000.00} ( 15 ) years later. My ex-husband was a cosigner on this and they continue to call him for payment. I have asked that they stop since we have been divorced since XXXX but they continue to call him. They refuse to forgive the loan as they say that the underwriter will not permit it since it works differently than my Federal Loan. The idea that I need to pay this in full or at all seems to make no sense at all. Firstmark continues to report to credit agencies as in collections since I have not paid anything on these loans and my credit rating is suffering. My ex-husband 's credit is also affected. I am told there is no more forbearance left on this account, current covid relief for student loans does not apply. There are no payment adjustments and no forgiveness for this loan. I would appreciate any help, suggestions, guidance as to how to navigate this. It seems ironic that after graduation, I worked as a XXXX for plaintiffs attorneys and clients that were injured and/or taken of financially while making very little money while supporting myself and my daughters as a single Mom and now that Im XXXX years old on Social Security XXXX Im dealing with this. I would very much appreciate any guidance you may have to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hey its been a year since I've tried disputing these fraudulent accounts. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.

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 2017-03-15
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Enhanced Recovery Company has not verified a debt they clam I owe, and they are not licensed in the state of CT to pursue any debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: TN
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:
XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a credit card with my credit set at XXXX on XX/XX/XXXX I made a payment of XXXX using my stimulus money I received. I wanted to to start building a cushion in case any unforeseen expenses arose. I have only been able to pay the minimum due to the pandemic leaving my grown children jobless and they had to move back home. I have had plenty of hardships with my car and other issues, but I paid on time. 
On XX/XX/XXXX a letter was sent to me from my credit card company telling me they have lowered my credit limit to XXXX basically taking all the stimulus I just put in. Eliminating any cushion I have for emergencies. This also will effect my credit rating since having your cards maxed out reflects in the score. That was another reason I had put all the money into my cards. 
I feel like it was very suspicions that as soon as I put the stimulus in for payment they chose to drop my credit limit. I wonder how many customers they did this to. I feel they basically stole my stimulus money. This was suppose to get me back on my feet and give me room to breath. I get that I was at my limit for at least 8 months but heck these aren't normal times. I'm afraid to put any large some of money in there for them to lower my credit limit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear, I received letter from Jefferson Capital systems , LLC indicating I owed {$530.00} to XXXX, I dont know how I can owe XXXX usually I buy something and I pay XXXX and XXXX pays It to merchants, I called XXXX about It as fraudulent and XXXX couldnt provided me how i owed It and what but they closed the account as fraudulent now Jefferson Capital asking me to pay for something that I didnt purchased, I called XXXX again today I was told we dont own the account so I called Jefferson Capital and I told them that was fraudulent and XXXX closed It as fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX HAS FAILED TO ASSIST ME IN HELPING ME FROM DEFAULTING MY PRIVATE STUDENT LOAN. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO HELP BUT THEY KEEP INFORMING ME THAT I HAVE NO OTHER OPTIONS. I HAVE BEEN EXPERIENCING DEEP FINANCIAL HARDSHIP AND HAVE BEEN UNABLE TO AFFORD THE PAYMENT ON THE PRIVATE STUDENT LOAN. THERE HAS TO BE SOMETHING THAT THE FEDERAL GOVERNMENT CAN DO TO STEP IN AND HELP ME WITH THIS HORRENDOUS PRIVATE STUDENT LOAN THAT IS RUINING MY FAMILIES LIFE FINANCIALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no recollection of what this debt is, I have been hassled and threatened by this collection agency, the caller never identified himself as a collector and never read me my Mini Maranda Rights but instead told me that my credit will be ruined if this debt is not paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: EQUIFAX, 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:
Equifax - I have sent over 2 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 60 days now and I would like some action taken to get this resolved. I will a FTC complaint if this does not get resolved. I take my credit very seriously and I'm upset these people aint doing job. All I want is for the company to do they job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Mortgage Research Center, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

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 2016-10-24
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have an account with XXXX on collection who show still open on my credit report. My debt was paid in full to the company and do n't realize that the account was still showing open with a balance and the company never closed the account and sell this to a collection agency.

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 2021-04-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting to XXXX  and XXXX  on my consumer credit report that a debt is owed to them. I Have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Bank of America showing I owe money but I dont not violations

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 2021-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My mother 's information is listed on my credit report. Please remove it!!!

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 2017-04-29
Company: National Enterprise Systems, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/XXXX I was initially contacted by XXXX XXXX and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a temporary postponement because I had just gained employment. Although this was the response given to the both the AG 's office and CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year. In XX/XX/XXXX I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the AG 's office and CFPB because they were unwilling to work with me. On XX/XX/XXXX I was notified that I would be allowed to have a wage garnishment hearing and on XX/XX/XXXX I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on XX/XX/XXXX sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent them letter about requesting validation on account they report to bureaus there is not one dispute on file and no respond from them

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 2016-05-10
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was issued a savings bond check via XXXX XXXX XXXX XXXX, which was cashed into my Chase Bank Account. However, the check was rejected and my account was closed and reported that fraudulent activity was happening. This is incorrect. My parents had gotten the savings bond check, with their name and also my name on the savings bonds, and the check was mailed to me in California and cashed into my bank account. There should have been no problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I agreed to a payment plan but after weeks of paying they tried to say I still have a large amount remaining and it just seemed unprofessional with how they are dealing with the situation now theyre threatening to have me arrested if I dont repay them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When I took out the loan with NetCredit in XX/XX/2014 I thought I would pay back the amount and be done paying them. Now after 57 payments of {$85.00} every 2 weeks I have only paid {$520.00} to the principal. The rest in all interest. The interest rate is 57.77 percent. Had I known this, I would never have agreed to continue with the loan. Here is the information from the loan paperwork. I just do not understand how a company can really do business like this. 

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 

FINANCE CHARGE The dollar amount the credit will cost you. 

Amount Financed The amount of credit provided to you or on your behalf. 

Total of Payments The amount you will have paid after you have made all payments as scheduled 57.77 % {$7100.00} {$3600.00} {$10000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Trying to close bank account with Chase Bank over the phone. A branch is too far away to visit. Even when I pass their verifications, they refuse to close the account. When I mentioned my consumer rights, they hung up on me. I sent this email to them : '' I want to close this account now. Per consumer laws, I have the right to protect my personal information and privacy. The failure to close my account violates my consumer rights to protect my personal information and privacy. I have the right to disassociate myself from this bank and protect my personal information. Your personal service is unacceptable and intolerable. I want my account closed. This account does not have any money in it and it will never have any money in it. There are no pending transactions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Navient Solutions, LLC.
State: PA
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:
My student loans were in normal repayment status, with monthly auto-debit ; and then suddenly without notice, Navient reflected one of the loans as 5 months overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit systems says I owe for an apartment in Texas called XXXX XXXX XXXX. I live in Maryland have for 30 almost 31 years. They will not remove it off of my credit. I have called 10+ Times, emailed, etc. 
they are RUDE and ruining my credit. The last name isnt mine either

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I want to open a business checking with Chase ( JPMorgan Chase ). I have been to XXXX different branch of Chase Bank XXXX, Texas, XXXX off to XXXX, also XXXX off XXXX, both time i have got contradicted information. XXXX time i went to XXXX branch around XXXX on XXXX i was told we need an appointment to speak with a business banker and that is a Chase policy now for opening a business checking account, and business banker was a lunch so i was not able to get help. So, went to the branch on XXXX got some help and spoke with business banker without an appointment unlike the bank on XXXX ( a requirement of the bank ), but was missing critical document so I had to go back no problem, since I did not have correct documents, Then on XXXX, went on branch at XXXX and beltline with all required documents around XXXX, and checked in for a business banker ( also asked the lady that was checking me in and asked a business banker would help me open an account and she stated yes ) but when my name was called a different lady called my name at XXXX or so and found at that same business banker at XXXX went on lunch at XXXX ( that someone went on lunch at XXXX on XXXX ). I waited for XXXX minutes to get help with business banker and once my name was called they found out that a business banker was at lunch at XXXX when a bank closes at XXXX, was told even if she comes back at XXXX that she wont be able to open the account for the business since the bank closes at XXXX and it take longer to open a business account ( I would of waited to open an checking account if i was told i would receive help when that banker came back around XXXX ). I have XXXX questions, why did i wait XXXX minutes for someone to realize that banker was going for day or at lunch, and if that same banker takes lunch at XXXX on Friday and that same banker takes lunch at XXXX on Monday and that branch only has XXXX business banker as per manager on duty, How is that helpful to customer that Chase employees have no policy when a customer need help on it banking issues. And Why was i was refused services when a bank closes at XXXX and that banker was coming back on XXXX? and I am a customer ( personal checking account # XXXX ) at the bank last XXXX digit of the account # XXXX. ( XXXX ) thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

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 2021-04-20
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My state was declared a natural disaster that inhibited me from working due to frozen roads & no power for a few weeks during the last week of XXXX leading into XXXX & I called the creditor & explained my situation & they said they couldn't give me any relief unless it was from covid 19

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