BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: SCA Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a debt in my name for {$150.00} listed on my credit report. Through investigation, I was able to discover that the collection agency reporting this {$150.00} was doing so on behalf of a medical facility in a state I have never visited. I wrote the credit reporting agency ( XXXX ) in XXXX 2017,  who said I had to deal with the debt collection agency. I wrote the debt collection agency ( SCA Collections ) in XXXX 2017, who said that they could not provide me any proof or providence of the debt because of HIPPA laws protecting medical information. I wrote the original debt holder ( XXXX XXXX XXXX XXXXXXXX ) in XXXX 2017 who have never responded to my requests for proof of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Over the course of a few days I received XXXX overdrawn fees for a Business Checking account through Chase. I was under the allusion that my card would decline if I had insufficient funds to make a payment. I used this card multiple times without realizing it was overdrawn. Chase did not alert me via notifications ( email or text ), but only a letter than came a week later. The XXXX {$34.00} fees came to {$400.00}. 

I called to speak to escalations 2 times on the day I realized ( XXXX XXXX, 2017 ) and they only offered to return the amount for one fee - {$34.00}. They told me I needed to have signed up for notifications, and that I was on debit 'coverage ' which allowed me to make payments with insufficient funds - to be charged a fee if my account was still overdrawn by XXXX in the evening. 

This amount of {$400.00} seems excessive to me. I feel like Chase have no care for their customer whatsoever, and that I should have been notified immediately when I incurred a fee ( regardless of system setups ). I do n't understand how they can possibly withhold such a large amount from a customer, offering no alternative for me, once my phone call complaint was immediately denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was not given the proper 45 day notice for hiking my credit card interest rate on existing balances on my credit card. I received the notice in the mail on XXXX XXXX for a rate hike on XXXX XXXX. I also received no notice in writing for a prior late payment hike. I have never been over 60 days late. Unfortunately, I was two days late on two payments in the past three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I attempted to obtain a duplicate certificate of title on a 1996 automobile which does not have a lien but the NJ XXXX XXXX XXXX XXXX shows a lien holder, XXXX XXXX XXXX which was taken over by JP Morgan Chase. Chase has no record of the lien but their " Lien Release-No Record '' letter does not list XXXX XXXX XXXX as a predecessor company.Consequently, the XXXX will not issue a duplicate certificate of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Chase has been calling in reference to a Debit Card. I opened the Account in the XXXX XXXX. There was an error on the account. The Bank told me not to worry about the account. The account was still open. Now, I am being harassed for {$84.00}. Please have the Bank explain what happened. I did not put the {$84.00} in my account. I spoke with the bank about it and they told me not worry about it. So, I am just wondering why they are calling me stating that the account has been charged off. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Navient Solutions, LLC.
State: NJ
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 graduated from XXXX University with my XXXX Degree in 2012. I XXXX currently owe Navient about {$70000.00} in private loans. Most of my private loans have an interest rate of 8 %, 9 %, and even 11 % with an unfavorable repayment term. I am interested in consolidating my various private student loans into a more favorable loan with a lower interest rate and a more appropriate repayment term ; but I 'm afraid I have no options. The flexibility enjoyed by many people across this country with a variety of loans, does not apply to me with a private loan. Please advice regarding the current situation with private loans and possible solutions for people like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Valley Credit Service, Inc. (OR)
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/XXXX Valley Credit called me about debts they claim I owe At first they said the amount was {$5000.00} then it was {$49000.00} then {$3400.00} then {$4000.00}. this number changed this much during a 20 minute call. Because of their inability to to come up with a firm number I requested copies of ALL documentation of the debts. 
During this call they finally claimed that XXXX was the right amount. And I made an offer of {$3500.00} to settle their claims, which they accepted. As part of the agreement I was to receive copies of all documents, so that I could look thru them to verify the debts were in fact mine, as well as adding them up to come up with a real total. It was agreed that they would send the paper work out as soon as possible. I would go thru it and we would talk on XXXX/XXXX/XXXX after i had time to look at the paperwork. 
As of today XXXX/XXXX/XXXX I still have not received the paperwork, so I called them on XXXX/XXXX/XXXX @ XXXX to inquire about the paperwork. the lady I talked with ( XXXX ) at first said none of this was in their notes then put me on hold. When she came back she said that she found notes on the settlement but NOTHING about me requesting the paperwork and that I had until XXXX/XXXX/XXXX to pay or the settlement would go away and I 'd owe the whole amount. When I requested she move the settlement date and send me the paperwork she stated that they do n't have some of it, but they had some judgements when I asked for copies of those she stated " We dont send copies of those if you want them go get it from the courthouse ''. and 'We can provide a list of the amounts you owe but we do n't have the original paperwork because some of these are as far back as XXXX. she ended the conversation by telling me I had til the XXXX or the settlement would go away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I have been a long standing customer with Discover Card. I called to make arrangements for a lower interest rate or to set up a hardship payoff. I was told they could not offer any assistance and that I would need to go through a credit counseling company or that I would need to allow my account to go into a non-payment or default status prior to them helping me. I have always made my payments on time and I think it is ridiculous I am paying XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second attempt to solve problems with what my mortgage co is doing they are not answering my questions they are not telling the truth I have paid extra in my escrow and they have not applied the money there .They have sent me account information sheet that clearly shows payments not applied to my account .They have sent me transaction history which clearly shows payments not applied and the extra money i have with receipts shows I paid extra to escrow and they have not applied it per paper work they sent me on these months ; XXXX/XXXX/XXXXthey show I paid XXXX the check they receive from me was for XXXX XXXX/XXXX/XXXX shows on their paperwork payment received was XXXX my check was XXXX I show at least 30 payments that they have done this with They are not telling the truth and are stealing money from me and my account .There was a XXXX check written to Washington Mu. on XXXX/XXXX/XXXX it was not applied by them or chase check number XXXX they are not collecting the escrow a year at a time so I am short every time my taxes and insurance is due. but if you look how much they collect in a 12 months time there should be enough or a little short they collect escrow from XXXX to XXXX but pay the insurance in XXXX and taxes in XXXX and XXXX They are telling me I am XXXX short. For example they collected per them from XXXX to XXXX in XXXX XXXX and paid Taxes of XXXX plus insurance of XXXX XXXX so as you can see there was enough to cover the cost at no time have I had the money to cover taxes and insurance.but on XXXX/XXXX/XXXX i see where there is a minus on my loan for XXXX saying it is a restricted escrow disbursement on XXXX/XXXX/XXXX there is a restricted escrow refund of XXXX and also on XXXX ; XXXX a restricted escrow refund of XXXX also on XXXX/XXXX/XXXX there was a XXXX restricted escrow disbursement and XXXX/XXXX/XXXX there was a restricted escrow refund of XXXX have sent 2 requests for some one to tell me where these funds went they will not answer me .when they got the loan it was for XXXX per what they sent me but when we did the modification they have it listed at XXXX seems there is extra money on mod paper work and not the same on the account info also my loan from XXXX was a XXXX since chase bought Washington mu they should answer these questions my contract from Washington mu shows XXXX for principal and interest taxs XXXX and insurance of XXXX .total of XXXX as of XXXX/XXXX/XXXX no money has gone on principal and every month there was XXXX in curtailment no one will explain whyXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX payments were not applied on my account for mortgage on XXXX/XXXX/XXXX they have a loan maintenance charge of XXXX and XXXX theyn say its not there well on my cooy it is has it been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Was delayed in XXXX program by Bank of America for OVER XXXX MONTHS. Originally enrolled in XXXX program on XXXX/XXXX/XXXX. 
During this unacceptable XXXX YEAR timeframe, and the XXXX XXXX Mortgage Backed Security fraud, my home lost market value from {$380000.00} XXXX XXXX purchase price to ( having no other option ) short sale closing in XX/XX/XXXX of {$250000.00}. 

XXXX names : XXXX Mortgage Former Property address : XXXX XXXX FL XXXX. 
Bank that own 's loans were Bank Of America. Our mortgage loan # 's were XXXX XXXX first & larger loan owned by Fannie Mae XXXX & XXXX ( second smaller loan owned by the bank ). 
READ article XX/XX/XXXX where XXXX XXXX Mortgage unit was fined $ XXXX by CFPB for giving their customers " the runaround ''. I too experienced " the runaround '' from Bank of America ... multiple requests for identifical information, disconnected phone numbers, they would not accept partial payments, changing of support personnel & phone numbers & locations, along with long winded response letters which were difficult to understand. 

AS A RESULT ... I 'm seeking FULL restitution from Bank of America for the XXXX I lost in my home as a result of their INACTION and mortgage backed security fraud.

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 2015-05-06
Company: Dovenmuehle Mortgage, Inc.
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage servicing company ( Dovenmuehle, or DMI ) reported my mortgage as being paid for less than owed, despite the fact that it was a Veteran Affairs ( VA ) backed mortgage. As such, the VA paid the full amount to DMI, and DMI did not end up losing money on the property. The full loan amount was paid by the VA. 

Consequently, DMI should not file a negative note on my loan, stating that it was settled for less than the owed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: AA
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently reviewed my credit reports and discovered that there are XXXX ( XXXX ) accounts in collection on my credit report from a company named AMERICOLLECTS Inc. of XXXX, Wi. Looking further at these XXXX items they are collecting for their client XXXX XXXX XXXX. Neither myself nor my wife XXXX XXXX have used the services of this XXXX XXXX. I am not a guarantor for any bills except my wifes. All of my XXXX children are adults and I am not responsible for their bills either. 
I have received no correspondence of any type from either XXXX XXXX XXXX or AMERICOLLECTS Inc. They just decided to report my name to the XXXX credit bureaus.

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 non-monetary relief
Consumer complaint received 2016-10-20
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They call me before XXXX threating to send me to jail I do n't pay, its constant, I 've asked them to stop but they wo n't quit calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Chase approximately 15 years ago, and I have had nothing but issues with them since. First, my home was hit by a hurricane in 2004, and Chase held up insurance payments to me during rehab of the property, causing me to pay subs out of pocket, and waiting for months to be reimbursed. I know that was not the intent of the law that sends insurance payments to the lien holder. They only have one department that handles these disasters, and they are located in California, with no concept of hurricanes. 
Now, every year for the last five years, I get a threatening letter with regards to flood insurance. I pay the flood insurance, and have for the last 25 years, on the due date. Their corporate policy automatically sends the threatening letter out if they have not received the renewal by the due date. There is a reason it is called a due date, it is not due before then. Their policy places a unfair burden on the consumer, even though the consumer is in compliance. In discussing the issue with them, I was informed to pay the flood insurance before it is due. I have done that in the past, and I still get the letter, so I assume it is harassment because I would not refinance with them. The reason I will not refinance with them is because of these corporate policies. I 'm looking to refinance with local credit unions so I can get good customer service instead of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/16 I sent Chase a certified letter disputing accounts XXXX and XXXX. Chase received the letter as confirmed by signature on XXXX/XXXX/16. I repulled my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 to find Chase had not reported the accounts in dispute as required by the FCRA. Furthermore, I sent a second certified letter to Chase stating the same on XXXX/XXXX/16. I received a letter from them on XXXX/XXXX/16 stating they had no record of an account for me and to send my SSN. I did not reply to this letter as it is apparant they already have my SSN if they are reporting it to the credit bureaus and damaging my credit and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I used a Credit Card for the car service XXXX. When a fraudulent charge was made on my account my credit card company called me and I closed the card, and a new one was sent to me. The card was closed on XXXX/XXXX/16. However, XXXX somehow allows charges to go through even on a closed card #. I had not been checking my statement as my card had been closed, and somehow {$320.00} over XXXX XXXX rides were fraudulently charged to my card. I have attached the statement that ended XXXX which shows XXXX charges in the days after the card was closed on XXXX with the largest being for {$130.00} ( that 's a long ride! ). I do not understand how I can continue to be charged by companies on a card that has been closed for fraud? When I contacted my CC company, they said they could n't do anything beyond closing the card, and so whoever stole my card information could continue to fraudulently use my closed card through XXXX at this time. I have attempted to contact XXXX, but they have been extremely slow, and did not stop my account. Essentially, I am powerless against continued fraud unless XXXX responds in a meaningful way. A closed card should be closed, charges to an account closed for fraud should not go through, and the consumer contacted to ensure legitimate charges be addressed. I will be able to resolve this through my credit card company. But I do not believe this is something that should be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: DISCOVER BANK
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:
I originally took out loans through XXXX Bank for my education expenses that my federal loans did n't cover. These loans were later sold to Discover. Discover has since continued to increase my interest rate so that my monthly payments continue to increase making it harder to pay down the balance. A few months ago my payment was around {$680.00}. On a good month, when I had a little extra money, I 'd pay {$700.00}. Then they upped my interest rate and now I have to pay {$700.00}. This is not the only student loan I pay. I pay so much towards my private that my federal payments are {$0.00}. Despite my good salary, I am just barely making ends meet. If they up my interest again, I wo n't be able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Last year I was contacted by several companies about an online business opportunity. XXXX of the companies that called me was XXXX XXXX XXXX. XXXX XXXX contacted me by telephone and I paid them {$10000.00} for a business entity set-up, tax consultant, tax preparation service for life, business credit development and credit account manager. After paying them for these services they set up a XXXX corporation ( I live in XXXX ) and I have disappeared. I have not been able to get in touch with them since. I have left numerous messages and they never return my calls. I now realize that this was most likely part of an online business scam and I am reaching out to your organization for help having Discover dispute these charges using claims and defenses. This company has not provided their services I purchased and I want my money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Non stop calls for a debt I do n't owe and they wo n't identify

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a hospital visit a few years back and I did not pay it. The account went into collections and in 2016 I settled the debt and paid XXXX services and the account was removed. A month ago, XXXX collection agency reported an account from XXXX XXXX XXXX XXXX from the same date of the original visit with a similar amount. I have contacted Aargon and requested a proof of debt and i have not received this yet, I aslo provided them with the confirmation of account satisfaction and they have yet to remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
On XXXX XXXX 2015. the CFPB and Encore Capital Group , owners of Midland Funding LLC entered in a Consent Order. In XXXX XXXX not one judge is honoring this Consent Agreement and lawyers for Midland are still suing not only in the state courts but also in the federal district court in violation of the Agreement. 
What can be done to enforce this ORDER??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I did n't receive my XXXX bonus points after charging {$300000.00} in first three months, which I did. But no bonus after being lied to at least twice that I qualified. I am referring to the XXXX XXXX card. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation