BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: AES/PHEAA
State: IL
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 filed my application to change from the XXXX plan to the XXXX program in XXXX 2016. 
I made my payments under the XXXX plan for the following months : XXXX XXXX XXXX For XXXX 's payment, according to the regulations and my application, I received a forbearance until XXXX XXXX, 2016 ( one day prior to XXXX payment being due ). I paid the {$5.00} reduced, forbearance payment. 
I called last week to inquire what the status of the application was and how much my payment would be after the forbearance ended. The person with whom I spoke told me I was still under the standard repayment plan and I would not be in the new plan for another month, which is contrary to my application and the regulations. 
I am still in the dark about whether a payment is due for XXXX and what the amount will be. If no payment is due, I am now off another month from making a payment towards my XXXX XXXX XXXX XXXX. 
Please contact me as soon as possible to discuss this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: The CMI Group, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or around XXXX XXXX, 2015 I cancelled my cable/internet/telephone service with XXXX. I returned my equipment later in the week and received my final bill dated XXXX XXXX, 2015. According to the bill my final balance of {$40.00} was due on XXXX XXXX, 2015. On XXXX, XXXX 2015 at XXXX XXXX, while at my place of business, I received a phonecall from a third party collections service saying that XXXX had sent my bill to collections and that this was an attempt to collect a debt. When asked why a debt that had been billed a mere 17 days before had been sent to collections the employee explained that XXXX preemptively XXXX and routinely ) sends all final bills directly to collections. When asked if he thought that was legal the employee agreed that he guessed it was not and that this is XXXX 's regular practice. I gave my contact information to the employee and informed him that I would deal with XXXX directly. 

After speaking with the third party collections agency I received a second bill dated XXXX XXXX, 2015 that classified the {$40.00} as an " unpaid balance '' that was " due now ''. That bill was received on Friday, XXXX XXXX, 2015. 

Also, when I signed into my account to pay my bill, I noticed that the online bill noted a due date of XXXX XXXX, 2015. 

After leaving work I also ran a google search which revealed that many others have experienced similar issues with their final bill being immediately sent to collections and that the " uncollected debt '' appeared on their credit report. 

The bill has now been paid to ensure that I remain in good standing and I am filing this complaint to ensure that XXXX ceases preemptively sending consumers final bills to third party collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Bronstein & Weiss Arbitration
State: TX
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:
Keep leaving messages that they are going to prosecute a lawsuit for full compensation along with punitive damages. I have not ideal what this is for. I was fighting one with XXXX for a credit card from XX/XX/XXXX that I did n't have nor can they prove I had it other than having my social security number and date of birth. I believe there was some fraud under my name during this time. I can not file a police report because they will not give me proof. No application, signature or purchase transaction. As well, since it was XX/XX/XXXX, ant this is XX/XX/XXXX I believe this is well over the 10 years a collector can collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ive already fought this company for their false claims of amounts I owe. They continue to send me false amounts, they even sent me a check for XXXX that was uncashable and saying most of my debt has disappeared. I 'm confused and want them to stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I filed a form to change my direct withdrawal information from my old bank to my new bank. AES, the company that holds my Stafford loan, did not switch my withdrawals correctly, so a payment was missed during this changeover. Both bank accounts were active, and they knew the information for both bank accounts, so it 's not like the funds were not available. They just did not switch them in a timely manner. Ever since this change over, they have been charging me a late fee as if I am paying last month 's loan payment this month. So, even though in reality only one payment was late ( and not my fault ), until I caught this mistake, they charged late fees as if I was paying late every month. Since I was using continuous direct withdrawal, this should never have happened. I called and complained and they are refusing to refund the {$45.00} in late fees that I was charged over the last year and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied to Chase Mortgage to finance a house I am trying to buy. Chase approved my mortgage, issued a commitment letter, and gave me final Closing Disclosures on XXXX/XXXX/2016 just before escrow close. Since the loan was ready to go, I released the loan contingency on escrow. 

On the day I was to sign the close, Chase then told me that the terms of the loan need to change. The Closing Disclosures clearly indicate that I am to receive a sellers credit of {$7000.00} and a lenders credit of {$4900.00} ( {$11000.00} total ) with a cash-to-close of {$110000.00}. Now I am being told that of the {$11000.00} total credit, they can only apply {$5700.00} against the closing fees. They are now asking me to just " buy down the loan '' to apply the balance of my credit. The cash-to-close would thus be higher. They also told me that I could renegotiate a reduction in price. 

I exchanged multiple emails with the Chase Mortgage Banker, XXXX XXXX ( XXXX ID XXXX ), asking him if I would get full credit for both the seller and lender credits and he expressly stated that I would. This is in fact what was reflected in the Closing Disclosures that Chase subsequently provided. 

I need to speak to these guys to discuss options. They have not responded to my emails or my phone calls since this morning. We need to close escrow and the lender is not present. The Lending Manager at Chase, XXXX XXXX XXXX ( XXXX ID XXXX ), was copied on this issue and he has not responded either. He does not respond to telephone calls either. 

Are these bankers in violation of any regulations against misleading borrowers? Is this behavior a violation of the Truth in Lending Act and Secure and Fair Enforcement Act? Can you please help me sort this out with Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection Agencies Account Receivable Solution and XXXX XXXX XXXX, Respectively under XXXX XXXX XXXX XXXX / XXXX. There are XXXX accounts the first list now as ARS for first mentioned company of the total for XXXX and the other XXXX are with XXXX for second company mentioned for amounts XXXX & XXXX. Both companies are XXXX XXXX XXXX XXXX. Who which when I first was seen for XXXX, I had medical insurance through my state of California. I gave the Hospital my insurance information at time of services, and nurse came back to my spouse 6 times, discussing how she was going to put the insurance in the system. We were assured that the insurance was on file. The Hospital has yet to send me a bill in the mail and the same goes for the collection agencies for the debt which should of never been handled in such a manor. On XXXX/XXXX/2016 when I found out about all of the debts I spoke with the CFO of XXXX XXXX XXXX XXXX, XXXX XXXX. She verified my insurance information in the system and what I had sent her from the state of California for the tax year sheet given for tax purposes. Thus far XXXX XXXX has yet to return a call and I have left numerous voicemail 's to get this handled properly. Subsequently since my phone conversation with her in which my spouse had to take over since she was being extremely aggressive towards me, every time I speak with a rep after our only phone call now there is no information of my prior insurance on file. Secondly, the XXXX collections agency have never sent any correspondence to me at my mailing address in their systems. They have however pulled addresses from my credit report and have sent mail to those addresses, which is an unauthorized since my current and permanent address is on file. Thirdly, the hospital has stated that this collections was for a individual pay which is not what I was told in the beginning of my journey to rectify this misconduct. For what I am seeing in my search for a resolution I am seeing that this hospital has no concept of medical coding when it comes to stuff they are not used to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ongoing collections calls for an XXXX XXXX who is NOT at our address. We have called Shell Point Mortgage XXXX. Resurgent XXXX numerous times, told them that they have the wrong party and wrong telephone number. They ignore our complaints and continue to call us with their collection calls. We are ages XXXX, have NO debt, and do not want these calls to continue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Credit Karma, LLC
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I just checked my credit report today on credit karma and i have a new loan that appeared on my credit report " XXXX XXXX XXXX for XXXX ''. The message said as of XXXX 2016 this has been added. I am confused as to why this is a new account added on my credit report

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 2017-03-01
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I submitted my corrected application for Repaye income based repayment to FedLoan Servicing on XX/XX/XXXX. In XXXX I paid my bill. In XXXX they said to wait for the IBR application to process and they were going to switch me to forbearance for a month but had to pay {$5.00}. On XX/XX/XXXX they cashed my check for {$5.00}. In XXXX, I called and they said they forgot to apply the {$5.00} to the account so keep waiting for the XXXX bill which will be the Repaye amount. Today, XX/XX/XXXX, I call and they said that my account is past due and that my application is expired because its over 90 days old. They offered to put me on forbearance for 12 months and told me I have to reapply for IBR because they cant process my application. Its now too old. Today is the first time I heard that the application is not being processed due to it being too old. 

Also none of the representatives that I spoke to in XXXX or XXXX told me that the application was too old and that I needed to reapply. They kept telling me to wait until the Repaye bill was sent in XXXX and to not pay the standard repayment plan. That the {$5.00} forbearance payment was supposed to cover that until the Repaye kicked in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Valor Intelligent Processing, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report I saw that XXXX placed me in collections for something I do not owe them. I tried to resolve it directly with XXXX as XXXX is listed as the collector, but was referred to a 3rd party collection agency Valor. I immediately requested a validation/verification of debt which the representative told me does not exist. He kept trying to verbally tell me I owed XYZ amount. I sent a formal request for debt validation via mail and still have not heard a thing. Meanwhile Valor calls me so many times a day Ive had to block the number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
State: NE
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:
Chase bank finance a XXXX truck for me and it was totaled due to flooding Well at end when finished and they gave final amount owed to my insurace company and gap in and it was payed off they still reporting a padt due amount 4 years later and had 8 months lated over due payments after claim was filed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: AES/PHEAA
State: CT
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They continue to report that my loans are delinquent when I consolidated my loans and I am currently in school so I am not supposed to pay due to an in-school deferment. They refuse to remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called today XXXX/XXXX/2015 to American Honda Financial Services to discuss the account and resolve a situation that we are encountering with the monthly payments due to my medical situation I got behind. My daughters have been helping me with the medical issues and now helping me financially since I am XXXX. Today my oldest daughter called American Honda Financial and they wanted to speak to me so I can authorize my child to speak to them. My daughter called we was on a XXXX way called and I gave more than XXXX times autorization to American Honda Financial to speak to my daughter on my behalf. The lady that was on the other phone refused to accept my authorization to the point she was attacking me and pushing me to speak to her about my account She wanted to get my daughter of the phone and called me direct which I do n't know the number I have my daughters and I dont know it by memory. My daughter called the main number once again to report the situation to the coorporate office and they refused to transfer her with me on the line. I felt threatened and discriminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ERC placed an unknown debt on my credit report. They have sent no dunning letters that I have received at my address. I do not prefer to speak with Collection Agencies on the phone as I know they will violate my rights. this is unfair and illegal. The debt in question was more than likely discharged in a bankruptcy and without basic information how can I get the correct documentation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: IQOR US INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2015, I received a notice from a company named XXXX XXXX , XXXX stating that I owed a debt to XXXX. I called this company and also XXXX and reported that I do not owe this debt as I had never sold anything on XXXX. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from XXXX claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named Allied Interstate LLC claiming I still owed XXXX a debt. Apparently XXXX allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, XXXX and XXXX. I have also spent time making police reports, consulting with an attorney and responding to emails from XXXX. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your XXXX account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by XXXX. Most people probably pay rather than deal with this abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my stimulus on Friday night which was XX/XX/2021. I went to the mall Saturday to spend money for my son and after the third purchase both cards started to decline. I waited 24 hours to see if the car was going to unlock myself because you couldnt call the card number on the back because we couldnt get through. Every time you call the 800 number on the back of the card it will go to a voice message and then hang up so I could not resolve my issue with the company. Today is Tuesday, XXXX XXXX and Im still not able to use my card I have bills to pay in rent to pay and I can not use the money on my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase bank, and XXXX XXXX have a Business card under my name that I have never applied for. These cards have been opened since XXXX of XXXX as they stated. I have never gone in personally to apply at any of their branches for a business card from a business I dont even own. Every time I call both of the companies they give me the run around by transferring me from department to department. They just keep sending me letters stating that the account is valid, but cant provide me my signature or proof that I went into their branches to apply for a business card. Seems like they do not want to help me out. The business chase card balance is around $ XXXX {$26000.00} while the XXXX XXXX is owed around $ XXXX {$5000.00}. 
These cards have been, and are continually affecting my credit score with absurd outstanding balances. 
I have filed an identity theft police report on XX/XX/2020 for the first fraudulent account I was notified from which was the business chase account. I also filed a FTC report stating both accounts. I have continually pursued Chase bank, and XXXX XXXX to remove these accounts from my credit reports, and completely delete the accounts that I did not authorize. These accounts do not belong to me, and as stated before, I did not open these accounts, and I should not be held responsible for the theft of my identity. This has been a continuous burden that I would love to have mended, so that I can move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: KAHRS LAW OFFICES, PA
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed the claimed debt of {$1100.00} to Kahrs Law Offices, P.A. on XX/XX/XXXX by informing them that I do n't owe this money. On XX/XX/XXXX, they sent verification claiming that it is valid debt that is past due ; however, this is a time-barred debt because written contracts in the state of KS is five years, and with XXXX, this goes back to XX/XX/XXXX. In other words, this exceeds the statute of limitations for the state of KS ; therefore, I do n't owe this money they are claiming, and I want all collection practices to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: West Coast Servicing, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage was approved for 2MP program in conjunction with my current and in good standing HAMP modified primary mortgage. Instead, the bank sold loan without any notification to borrorlwer while the loan was supposed to be in the process of modification. As per HUD 2MP program. Loan was " lost '' for two years with no communication even attempted with the borrower during that time. Borrower did escrow modified payments on her own, believing that the loan was being modified as was promised by lender. Loan re-surfaced 36 months late with a new servicer who had made no communication attempts with the borrower, already in foreclosure with a sheriffs sale scheduled. Please help. This is our home and where we are raising our children. please help us get what HUD already assured us was in the process of being done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation