BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XX/XX/XXXX I enrolled in several classes at XXXX. I ended up having to drop them due to being enrolled in another school, XXXX. The classes at XXXX are accelerated and it would not have made sense to be enrolled at XXXX. I had only enrolled at XXXX while I waited to see if I would be able to go back to XXXX as I am only about 28 hours from graduating with one of my degrees. 

In XX/XX/XXXX when I received the first notification of the debt, I again disputed it with the school and got nowhere. I received letters of debt notice from AMR. I was working for AMR sister company, XXXX, at the same time and as I was in the same building went and personally disputed the debt with XXXX. After I left XXXX, I received another notification of debt to XXXX from AMR and I called to dispute it again. 

Regardless, XXXX intercepted our ( my husband and I ) state tax return for XXXX   for the debt that is owed, a little over {$490.00}. I have been communicating with the bursar 's office since to no avail. Even the email that she sent regarding that I the school claims I didn't drop the one class for which they collected the debt, was not dropped by the due date though others were. 

I had a specific situation occurring, also, at the same time that these classes were dropped and I know that I dropped all of the classes. 2 classes by form and 2 were supposed to have been dropped online, though one didn't and that is the one that they collected for. My son, who was XXXX at the time, had to have comprehensive XXXX XXXX  the same week and his birthday is XX/XX/XXXX. I know what happened because as soon as I realized I couldn't drop the other class online, for whatever reason, I called about it. I also requested money back for a book I had purchased. AND I was in a XXXX  class, not the class they stated I didn't drop. 
I've spoken to the OK Tax Commission and they have said to work with the school. The school is requiring all of this personal information that I do not feel I should have to provide. 

This isn't the first time that this has happened. I am tired of it. I want my money back.

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 2015-07-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I were looking to refinance our loan and chose to work with a local mortgage broker. We were given the choice on which company our loan would be sold to and decided to look at Chase because our other accounts are there. I called and spoke to a representative about the Chase Mortgage Cash Back program and asked several times if we would qualify if our loan originated with a mortgage broker and was then sold to Chase. I was assured that everything would be fine and we would be eligible. We went ahead with the refinance and our loan was sold to Chase. When I tried to sign up for the Chase Mortgage Cash Back program, I was not able to. After talking to several different representatives, I was told that we do not qualify for the program and there is nothing else that I can do about it even if I was misinformed and mislead. Since we chose to use Chase at a higher rate with the understanding that the program would reduce the cost, we will now have to pay over {$4000.00} over the life of the loan without this resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: SC
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:
THE DISPUTED ACCOUNTS HAVE BEEN REPORTING NEGATIVELY AND INACCURATELY ON MY CREDIT REPORT. THOSE ACCOUNTS HAVE BEEN DISPLAYING FALSE TRANSACTIONS NOT MADE BY ME. THESE ACCCOUNTS ARE NOT LIABLE TO ME AND I WAS UNAWARE THAT THEY WERE REPORTING ON MY CREDIT FILE UNTIL I STARTED MONITORING MY CREDIT FREQUENTLY. PLEASE REMOVE ALL THE DISPUTED ACCOUNTS THAT HAVE BEEN CAUSING SERIOUS HARM TO MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: CA
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 continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but XXXX and Equifax refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was paying off my student loan regularly and on-time. When I lost my job I applied for deferral from JP Morgan Chase ; I was denied and given the run around and vague explanations from the Student Loan department. I kept calling and trying to talk to someone about how it was currently impossible for me to make my loan payments and meet a minimum standard of living and was ignored and told to make my payments. With no other recourse left my loan defaulted and was sent to a collection agency. I was able to get another job and worked with the collection agency on a reasonable payment plan. Recently, Chase purchased back its student loans from the debt collector and cancelled my payment plan on the grounds that it was " unfair '' if all debtors did not have the same repayment plan. When I asked what my options were to get this resolved I was quoted a monthly payment of approximately {$600.00} or a XXXX time lump sum payment of {$8000.00} ; neither of which is possible for me at this time. When I explained this and asked what the next steps were I was told that I was not " authorized '' to know this information or timeline but that " further action '' would be taken in the future. My credit has been destroyed and my efforts to work with Chase have been denied and belittled at every turn. I have never been late paying my government student loans and would just really like to be able to get this JP Morgan Chase loan out of my life. It is not only a stress on my finances but my interactions with Chase have caused me undue emotional distress as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is about Chase Bank. I wrote my roommate a check. We called to see about placing a stop on the check on XXXX/XXXX/2015 because I did not want it to make my account negative. The rep said there would be more fees accrued if the stop was placed on the check, and to have my roommate write a check to counteract it. We called XXXX seperate times before we ever deposited it, making sure it would n't be an issue. We were guaranteed it would go through since the roommate would have a positive balance in the account, but it would be overdrawn after it clears. He received a returned check fee, but the check went through on my end. My account was positive, the deposit was accepted. The rommate called the morning of XXXX/XXXX/15 and talked to a " specialist '' at Chase Bank. Told her that he received a returned check fee, but the check deposited in my account. She never, NOT ONCE, stated that the check was going to come back out of the account. Now they are telling us there is nothing we can do, it does n't matter that we were given wrong information that completely ruined my bank account. All they would do about the reps not giving us correct information is " file a complaint '' How many times do we need to contact a bank prior to depositing a check to make sure this is not going to happen? Is Chase not held liable for their actions and wrong information? Now I have a negative bank account that is going to take my entire paycheck to resolve and Chase will not give me ANY solution to the problem. My livelyhood is a stake. I have no idea how I am supposed to get to work with no funds to even pay for gas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I applied for the Home Loan Modification Program. I submitted the required information per the Mortgage Assistance Checklist, per Chase. I copied and mailed the application packet to Chase. Once Chase received my application package. A rude representative called me and asked for verbal financial budget estimates over the phone, when she had the information in her hand. She also asked for another copy of my check stubs that she claimed she could not read. I found the initial process to be indifferent and suspect. On XXXX XXXX, 2015, I received the completed review. I was given XXXX OPTION- a standard short sale? Really? I requested a modification and/or forbearance, due to financial hardships and future uncertainties. I was proactive, while foreseeing a job loss. I have no desire to sell my home, nor am I in the foreclosure process. I am proactive in pursing foreclosure prevention options. 

Chase said, " we 're unable to create an affordable payment equal to the required percentage of my reported monthly gross income without changing the terms of my mortgage beyond the modification program 's requirements. '' I reviewed the documents further, and noticed that Chase made incorrect calculations. On the application, SECTION XXXX : Net Present Value or Eligibility Data showed my monthly Gross income and Montly Net Income as {$0.00}, respectively. It also, show my total housing expenses as {$0.00}. 

According, to SECTION XXXX : Contact, Dispute and Appeal Information Section, I filed an appeal. I mailed an appeal letter to Chase ( Mail Code XXXX, XXXX XXXX XXXX, XXXX, La ). I have not received a response or any communication on the status of my appeal letter. 
Currently, I am temoprailry unemployed and requested Chase to reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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: Problem getting your free annual credit report

Complaint:
I have not received my free credit report and score. have not received no 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 non-monetary relief
Consumer complaint received 2020-08-06
Company: EQUIFAX, 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: Problem getting your free annual credit report

Complaint:
I have not received my free credit report and score. have not received no report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CASHCALL, INC.
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They are calling my place of employment and harassing me about a debt that I am disputing after I had asked them not to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016 JP Morgan Chase Bank sent me a correspondence announcing " Important information : We have decided to close your accounts, Dear XXXX XXXX, after a recent review of your accounts, we have decided to end our relationship with you. We will close the following XXXX digit accounts XXXX on XX/XX/2016 and decline any transaction. '' I immediately canceled all automated deposits & withdrawals and paid cash on XXXX outstanding check and opened accounts at another bank to assure I complied to JP Morgan Chase Banks demands. By XX/XX/2016, I received another JP Morgan Chase Banks statement showing all their accounts XXXX digits ' accounts XXXX were at a balance of XXXX showing the JP Morgan Chase Bank owed me a balance on my savings of XXXX. However, on XXXX XXXX, 2016, I received another JP Morgan Chase Bank demand for my closed XXXX account, " Dear XXXX XXXX. your account is currently overdrawn by {$130.00} to keep your account open, please make a deposit to your account at one of branches or ATMs to cover the overdrawn amount. It it is more convenient for you, we also accept checks by phone and deposits made through XXXX XXXX. This letter is sent in attempt to collect a debt, and any information obtained will be used for that purpose. '' I realize that JP Morgan Chase Bank can turn this over to " XXXX '' to black list me as a consumer. These letters demands " harassment '' from JP Morgan Chase Bank. JP Morgan Chase Bank exercises their authority in such a manner as to be unnecessarily oppressive. JP Morgan Chase Bank shows with purposeful actions and conduct motivated that are malicious discriminatory purposely aimed at a XXXX person and a military veteran and other like consumers! We talk of credit worthiness. JP Morgan Chase Bank corporation that was given slap on the wrist with a XXXX dollars fine by U.S. Federal Security Exchange Commission. This is a perfect example of whom provides the wealth for such parasitic JP Morgan Chase Bank corporation behavior, hard working Americans, significant inventors of science and technology like the great XXXX XXXX. The true nature of JP Morgan 's Chase Bank parasitic behavior has been with us for over a century. One of the greatest scientist inventors XXXX XXXX now over a century ago was defunded by JP Morgan. XXXX discovered a means of electrical transmission without copper insulated cable. The original JP Morgan, whom had greed without behavioral boundaries madly defunded XXXX scientific research since he no means of collecting " money ''. Show American workers and inventors whom make the money. Give maliciously abused American 's justice in relief from JP Morgan Chase Banks parasitic behavior. Levy fines of XXXX to JP Morgan Chase Bank still a small fraction restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a realtor in the State of Washington. I represent a buyer who had an offer accepted on a short sale in XXXX, 2014 with Chase Bank. We do not have short sale approval. In XXXX we had an a BPO and appraisal and were told Chase would not counter and we were going to approval. To date we have not yet been approved. We are concerned Chase is stringing us along until prices increase and then will charge a high price. Other short sales in the building have closed already. We are worried this is deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have paid on my loans for about ten years and the balance has not gotten smaller, it has actually increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and NAVY FCU with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had my mortgage through Wells Fargo just wanting to know if I qualify for the law suit I haven't been informed by them about this law suit They had my loan from XXXX to XXXX with loan modifications I sold the house in XXXX of 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
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2020-01-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I ordered American express Serv card, because it allows you to add money from credit cards, others don't.So, I added money twice, no problem.Now, they put a restriction on my card, and said they no longer allow this option, no notices nothing, left me in a Bond.I said, well you still have the option, on you app to add money from credit card.U want them to honor that, until they take the option off their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX/XXXX/2015, I purchased XXXX round trip airline tickets from XXXX using Bank of America VISA credit card. The total amount was US dollars XXXX and the purchase was made online from my home computer.It was confirmed by XXXX XXXX that this transaction was made in New York and there was no XXXX transaction fees involved ever. 
On XXXX/XXXX/2015, while checking my VISA credit card account status, I had noticed that the bank had charged an additional amount of {$30.00} each for XXXX airline tickets, that was not included, informed nor authorized by me at the time of transaction. 
Since I was not aware of any foreign transaction for purchases made within the United States, in US dollars, I immediately contacted the Bank of America VISA card customer service, and they refused to refund the entire amount of foreign transaction fees. 
In the past I had purchased airline tickets online from XXXX using XXXX master card and there was no foreign transaction fees involved in any of the purchases made in US dollars in United States. 
Therefore, hereby I am humbly requesting a fair investigation on this unfair business practice for the satisfactory resolution for my concern and the refund of the entire foreign transaction fee that is unfairly charged to my VISA credit card on the online purchase made in US dollars and within the United States.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sued for {$2500.00} from Midland Credit Management for an account from the Original creditor : XXXXXXXX XXXX .I have recieved no phone calls about this account and i have changed addresses so i have not recieved any mail about this account.The first i heard about it was when i was served a court summons. I am living on XXXX payments and have no other source of income.I do not own a house or property and have no savings so there no way i can pay this.Now they sent me a court summons to appear in court on XX/XX/2020.

Company response to consumer: Closed with explanation