BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
This letter is to complain Chase freedom credit card. 
My account number XXXX Name on the card : XXXX XXXX. 

Chase freedom provided me XXXX INTEREST on purchases which expire on XXXX/XXXX/2015. 
I paid my balance in FULL {$8500.00} on XXXX/XXXX/2015. 
Chase charged me interest {$110.00} XXXX {$6900.00}, APR 18.99 % ) on XXXX/XXXX/2015. 

I called Chase customer service XXXX XXXX XXXX to resolve this interest charge middle XXXX after I received the billing letter. Eventually I was transferred to a supervisor. Let me list our conversation briefly as follows : me : My record showed I called you and was told there will be no interest if I pay off before XXXX/XXXX/2015 supervisor : No, it expired in XXXX. 

me : I DID call you and was told there will be no interest if I pay off before XXXX/XXXX/2015. Can you tell me when did I call you? 
supervisor : Yes, you called sometimes in XXXX. 

me : Yes, I called and was told there will be no interest if I pay off before XXXX/XXXX/2015. 
supervisor : Why did you call us to confirm the expiration date? You should go find the paper and check the terms? 

me : I called just want to confirm the expiration date. I think it is part of credit card service. Can you waive this interest charge? 
supervisor : No, it is final. 

me : Can I talk to higher level person about it? 
supervisor : No. what can I do for you next? 

me : Please cancel this credit card for me. 
supervisor : OK, I will process your cancellation. 

Next, let 's talk about my records. 

My records showed that I called both Chase and XXXX XXXX on XXXX XXXX same day, same hour, and the same purpose. I called to confirm the expiration dates respectively. 

I called XXXX XXXX ( XXXX, my account ending in XXXX ). My calling date and purpose was confirmed. 

Please find attached picture of my phone system which showed I called chase XXXX XXXX XXXX XXXX XXXX, 2015. 

Please find other supportive documents with this letter as well, such as bank account record, etc. 

Thank you for your attention! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
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:
Possible multiple violations of US Code Title 15 Fair Debt Collection Practices Act. The Company, to this day I do not fully know them as a debt collection company because they ahve never disclosed that they are a debt collection company, Overton, as per XXXX. I was called today, XX/XX/2016 from a company the individual stated my first name and made a statement that I owed XXXX money on a debt. They them immediately asked to verify my identity to continue the call, I stated that under the fair debt collection practices act if they were not 100 % sure that I was the debtor ( Alledged ) that they should not discuss any form of debt. In addition now that I think about it this may also be a Gramms Oxley violation as well, because they disclosed financial information about an individual of a federally protected financial institution as haviong an account at XXXX. I have never received a letter N1 or docket letter, no information at all verifying this company as a debt collection company and I have never received mini miranda. I would like to direct stakeholders attention to XXXX vs. XXXX as existing precedent and case law. I called back to XXXX and asked for how I could contact a compliance officer, and the individuals were all in a meeting. I asked for a supervisor so i could receive proepr N1 letter to hand over to my attorneys and according to the switchboard there was no supervisor available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Accounts with XXXX, XXXX, and Experian have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.

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 2016-08-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am getting tired of this. Our house is underwater, and has been for quite some time. We 've had the house on the market for over a year. We finally received an offer 6 months ago and the bank is still playing games with the buyers. They went out and got a VA appraisal which came in at {$420000.00}. They made an offer of {$400000.00}. The bank has finally come down to {$430000.00}, to which our buyers counter offered {$410000.00}. At this point they are very close to the VA appraisal, but Chase will not work with these buyers or this appraisal. Chase has been playing around with this for 6 months now totally disregarding the appraisals. All we want Chase to do is to take the VA appraisal into account and work to sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016 my home was sold unlawfully at a Sheriff 's sale. The foreclosure sale was illegally authorized by Specialized Loan Servicing LLC ( " SLS '' ) before the loss mitigation process was completed. Employees of SLS have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, SLS assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to SLS to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, XXXX, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of SLS was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: NJ
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:
There is something seriously wrong with my credit reporting. I have outstanding payment history on all open accounts, yet every 2 weeks my credit score decreases without reason then increases a few days later without reason. Sometimes the increase is lower than the decrease resulting in a slowly lowering credit score. I noticed this happening around XX/XX/2020. Again, these are WITHOUT REASON ( e.g. no past due accounts, no credit usage increase, no missed payments ), so Experian is unable to process my dispute. Examples below. PLEASE HELP ME. 

XX/XX/XXXX - DECREASE by 25 points XX/XX/XXXX - INCREASE by 16 points XX/XX/XXXX - DECREASE by 17 points XX/XX/XXXX - INCREASE by 17 points XX/XX/XXXX - DECREASE by 18 points XX/XX/XXXX - INCREASE by 12 points XX/XX/XXXX - DECREASE by 15 points XX/XX/XXXX - INCREASE by 18 points XX/XX/XXXX - DECREASE by 15 points XX/XX/XXXX - INCREASE by 15 points XX/XX/XXXX - DECREASE by 20 points XX/XX/XXXX - INCREASE by 20 points XX/XX/XXXX - DECREASE by 4 points XX/XX/XXXX - DECREASE by 23 points XX/XX/XXXX - INCREASE by 21 points XX/XX/XXXX - DECREASE by 37 points ( drop from Very Good to Good rating )

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 2015-10-14
Company: RGS Financial, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I do not know who they are but they are calling me on a work issued cell phone number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. 

Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. 

Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: Adler Wallach & Associates, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  XXXX  Agencies have violated my rights. 
* 15 U.S. Code 1681 Section 602 States I have the right to privacy.

*15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*15 U.S. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: JPMORGAN CHASE & CO.
State: CO
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 disputed a charge of {$2000.00} since the date it was charged ( XX/XX/XXXX ). under the Fair Credit Reporting Act, the furnisher of information to consumer reporting agencies has a duty to provide accurate information about a consumers credit file. 15 U.S.C. 1681s-2 ( a ). As I deny liability for any amount of alleged debt, and because I claim that the alleged debt resulted from an unauthorized charge, it is not accurate to report that there is a bona fide past due payment. Despite a letter ( attached ) from my lawyer to remind Chase my fair credit reporting right, Chase continues to violate the law. Despite my repeated effort in getting this dispute resolved by filing for arbitration on XX/XX/XXXX per our card agreement, Chase ignore the arbitration request ( a separate CFPB compliant XXXX has been filed 2 weeks ago ). Please correct the credit reporting to all credit agencies ASAP as my credit score has suffered XXXX points decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Checkr, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr has produced a background report for an employer that states I have two guilty convictions for charges that were indeed dismissed with prejudice after being appealed to a higher court, the presiding magistrate was commanded to recuse himself from any further cases involving me due to his complete incompetence and prejudice in handling the case. 

The DA later apologized to me personally... I have copies of my current criminal record and it reflects the info I have provided... perhaps Checkr should spend the {$20.00} to send away to the XXXX XXXX Police Records Repository who can send them accurate and correct info that does not harm my employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I signed up for a Chase Student Credit Card when I was a College Student in XX/XX/XXXX. I used the card until it expired, then called Chase and told them that I did not want to keep the card anymore, and requested that they close my Account. Because this all occurred several years ago ( approx. XX/XX/XXXX ), I do n't have exact dates. 

A few weeks ago, Out of the blue, Chase sent me a new Chase Freedom Credit Card in the mail, using the details from the account I had asked to have closed several years prior. I called again and told them that I had not requested this card, and wished to have the account closed. I was assured that it would be closed. 

Since then, Chase has sent several emails to my personal email account with details about the account that I had requested to be closed and shut down. 

I highly prize my privacy and financial security. I am very concerned that Chase has disregarded my multiple requests to close this account. 

I am requesting that Chase close this account, and that they immediately stop contacting via email with details about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A representative called me and I missed the call. When I called back a rep named XXXX answered and asked to confirm my name. I confirmed my name after asking which company he represented. Due to his accent which fluctuated during the call ; I thought he said he was from " XXXX ''. He then said he was calling about a " paper '', and asked me to confirm my social security number. I do n't believe he identified himself as with a debt collector. I stated that I had no business with his company, and do not feel comfortable sharing my private information with him. He clarified the name of his company as Halsted Financial Services. He stated that he already had my private information on file. I reiterated that I have no account with his company, and am uncomfortable with him having my private information. Realizing by his tone that he was a debt collector ( I had not heard of the company before ) I asked that he communicate by writing instead so that I could confirm his claim that I had business with his company. In the middle of making my request he called me " uncooperative '', stated that they would take action against me, and hung up on me. 

I know that it is my right to be able to confirm who he says he represents, and to have their contact information so that I can verify any debt information, and communicate in writing. 

1 ) Halsted did not honor my right to communicate in writing. 
2 ) Halsted did not respect my right to not have them call. 
3 ) Halsted did not provide me with a mailing address to continue communicating regarding their presumed business. 

Halsted is in violation of the Fair Debt Collection Practices Act. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan servicer AES Success, has processed double payments without my knowledge. I have contacted their customer service only to be led in circles even when asking for a supervisor, a rep literally told me " No one is available '' when I asked for her supervisor. When I inquired further she said " They are all in meetings '' I was willing to wait or leave a voicemail on their phone however the rep told me I could n't wait because " I ca n't tell you how long they will be in meetings and you can not leave a voicemail on their phone. '' I then asked for their extension so I could call myself and the rep said " I ca n't give you that information. '' I have never had such an issue trying to talk to someone 's supervisor, and to top it off, the rep had an attitude about it making it seem like I was asking for the world, and she talked down to me when I asked her if she had my information correct. Terrible customer service. I was unable to get any answers regarding the double payment they took out of my bank account and my only option was to put in a request for her supervisor to call me back ( which could take up to 24hours ). I am not holding my breath on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Halsted Financial Services, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX from Halstead Financial services gave my mother the last XXXX of my social security number did not confirm who he was speaking to accused her of being me and would not verify what the call was in regards to or where he was calling from he had absolutely no right giving out that information. My social security number has been endangered. Now I am worried that it is in the wrong hands my privacy has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged {$41.00} as interest. 
When I talked to amex they said it was a late fee. Bill was due XX/XX/2023. I never received bill. I received bill XX/XX/XXXX after talking to XXXX at amex. The bill was sent in one envelope and a duplicate bill in another envelope... both received XX/XX/XXXX. I paid the total bill ( including the XXXX ) on XX/XX/XXXX. I asked XXXX to send me a check for the XXXX. He said he would ask ..... 
I don't think I owe amex {$41.00} as I never received a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express notified me with a form letter on XX/XX/XXXX that I had violated the terms of an offer and they were going to be charging my account {$150.00}. The form email stated several reasons possibly why. When I called to inquire, I was told by the first rep that since I had downgraded my Blue Cash Preferred card at the time of my card member anniversary in XXXX ; American Express was revoking the {$150.00} promotional offer they had emailed to me around XXXX XXXX XXXX and charging my account. I was unaware of this requirement. When I called to downgrade in XXXX and said that I did not want to pay the {$95.00} annual fee, the American Express rep did not say anything about the possibility of me actually being charged {$150.00}, instead of the {$95.00} annual fee. If I had known that, I would have paid the {$95.00}. I think it is unfair when a company buries important terms and conditions in small print or on page 4 or 5 of a document and then turn around and declare that you have violated some term that you as a normal ( non-professional finance ) consumer did not know or understand. I have been busy juggling covid, elderly parents, inflation, and my health for the past year, I think American Express needs to make their terms and conditions clear if they are going to enforce them in an automated manner as they have done in my case. I did ask to speak to a supervisor XXXX who said American Express would be reviewing my case over the next 7-10 business days, but she was unable to resolve the dispute herself. I have never encountered a situation like this before, and had no knowledge of this condition. At this point, there is no way I can even retrieve an email from my account from over a year ago to see where I missed the requirement. Please help me resolve this dispute, as I am a struggling consumer up against a very large company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XXXX XXXX 2015, A Navient representative called me on my cell, stating that he would finally be able to grant an affordable loan agreement for me. He identified himself as a supervisor, and told me we would be able to resolve my issue that day. To my surprise, this was the start of a financial scam I am certain was geared to diminish credit, confine me to a loan delinquent status, and secretly place me in a corrupt program that is designed to keep people in the dark about their loan status until it 's too late. Please see attached documents for my full case.

Company response to consumer: Closed with monetary relief