BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Company wrote me with several indicators that it was from a law firm, while implying that they were representing the current collection company for an alleged debt of {$440.00}. I also felt threatened and bullied by an ultimatum to pay by a certain date ( XX/XX/2021 ). I wrote a letter trying to validate the alleged debt, and they sent me a statement with personal medical treatments plainly visible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
So I got an email saying " Prime Day Offer : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card Full terms and conditions : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card : This is a limited-time offer while supplies last. Offer limited to XXXX per customer and account. Offer is combinable with other Prime Day offers. This offer is available to Amazon.com Rewards Visa Card members only. 

Get {$30.00} off an Amazon.com purchase of {$150.00} or more by selecting your Amazon.com Rewards Visa Card as your payment method and entering the promotion code XXXX at checkout. Promotion code commences at XXXX. ( PT ) XXXX XXXX, 2016, and expires at XXXX. ( PT ) XXXX XXXX, 2016. 

Offer applies only to products shipped and sold by Amazon.com. Products sold by other merchants or third parties do not qualify for this promotion. If Amazon.com is not the seller this will be noted on the product detail page. Offer applies only to the purchase of eligible items made with the Amazon.com Rewards Visa Card. The maximum benefit you may receive from this offer is {$30.00}. Offer does not apply to digital content. Items must be purchased in a single order and shipped at the same speed to a single address. This promotion is available only to customers located in, and with billing addresses in, the United States. Offer discount will be allocated proportionally among all promotional items in your order. Shipping charges may apply to discounted and free promotional items. Taxes, shipping and handling, and gift wrap do not apply when determining minimum purchase amount. This promotion can not be applied to orders already placed within Amazon.com. Offer is non-transferable and non-exchangeable and may not be resold. If any of the product or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund policies. Promotional codes ( including those placed directly in accounts ) may not be redeemed for Amazon.com Gift Cards unless an Amazon.com Gift Card is the stated benefit of the promotion. Amazon reserves the right to modify or cancel the offer at any time. Void where prohibited. If you violate any of these terms, the offer will be invalid. Chase is not responsible for provision of or failure to provide the stated benefits and services. '' I go and try to use it around noon my time on XXXX XXXX. Code does not work says invalid. I call chase and they tell me oh it expired yesterday. I got esced to a Sup at chase to be told no it expired that day prior to XXXX ( PT ) on XXXX XXXX. 

I currently have XXXX chase cards and a bank account with chase. I am about to close them all there is no REASON for them to send out a promo to someone and when you try to use it nope sorry ca n't use it it expired. This seems to be some sort of manipulation done by chase trying to trick thier card holders

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage failed to complete their proper due diligence in contacting my county 's property appraiser office when preparing my escrow analysis for XXXX. As a result of their ineptitude, they attempted to declare that I had a shortage in the amount of {$330.00}, and that I should expect my payment to rise {$75.00}. They determined my county taxes for XXXX would be $ XXXX. Their assumption and lack of due diligence has caused XXXX and nearly caused borrower harm. If I were not more educated on mortgage servicing, and escrow in particular due to my career, I would absolutely have been stunned and not sure how to address this issue. Being a step ahead of this game, I had to submit a complaint and demand, literally demand, a new escrow analysis be completed. Submitting data from the property appraiser 's website, the chat agent warned me " this could lead to a shortage, are you sure? '' -- - I am literally appalled that Rocket Mortgage would train their agents to use language such as this, as if identifying a mistake that Rocket Mortgage made and demanding that they correct it should come with a warning! Having to disclose that a ) rocket mortgage made a mistake, b ) i am doing their job for them by giving them information, c ) had to request on three contact events. I have been advised dates of resolution from XX/XX/XXXX, to XX/XX/XXXX and now today I am told XX/XX/XXXX. This is frustrating. Rocket Mortgage has continued to make excuses about why they failed to properly assess my county taxes in their escrow analysis and as a mortgage servicer, these are unacceptable. I expect my payment to DROP this year, not INCREASE. I am not trying to FALSELY ENRICH this tech giant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
Chase Bank is the account holder of my XXXX credit card, A few months ago I bought tickets for my child to attend a festival on XXXX/XXXX/2015 at XXXX XXXX California ( about XXXX miles from home ) we arrived at XXXX and were told that the show time was changed to XXXX since my son and his friend are XXXX I decided to take them back to home. I called the company and was told that there were no refunds and placed a dispute with Chase because I bought the tickets with my credit Card and the service was not performed as offered ( by changing the time ). Chase denied my dispute because the merchant sent them a letter stating that the service was performed as offered in the ticket XXXX but Chase did not verify such information and when I was called I sent them a copy of the ticket were you can verify clearly that the show was scheduled for XXXX doors @ XXXX. I 'm calling Chase dispute phone number and no answer has being provided, I leaved about XXXX messages and no calls or response has being received attached is a copy of the letter received by Chase and a copy of the original ticket I bought

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
To Whom It May Concern, Bank Of America closed my account without notice or any type of communication. 

Since XX/XX/2021, my account balance is {$6000.00}, and I still have {$12000.00} left to be claimed. 

I stopped certifying for benefits when the bank closed my account. 

There was no reason to keep adding more money, I can not access. 

Bank of America froze my account and will not open it. 

I can not tell you how many times I have called XXXX and Bofa. 

They tell me to call and have the other party sort it out. 

I am a XXXX man. I told the Bank of America manager I spoke to I would not go, but helpless and not knowing what to do and desperately needing the money, especially during the holiday season, I went anyway, to 2 branches. 

Both branch managers said the same thing. They told me they could not help me, and to call the number on the back of the card and explain to the representative that answered, both branch managers said they could not help. 

Since I am a prepaid customer, I have no account number, they can not verify me. When I called Bank of America back, they agreed with what the branch managers had said. 

My account has been closed since XXXX. This last time that I called XXXX, the tier two specialist I spoke with told me that my identity with XXXX was verified, there was no issue with my account, there was nothing she could do or say to Bank of America because once XXXX sends the money to Bank of America XXXX Bank of America doesn't want to hear a word XXXX has to say. 

The tier two specialist said the best thing she could do was add more weeks for me to certify so that when they were paid, I could call Bank of America and say XXXX just added more weeks so that Bank of America can see there is no issue with XXXX and Bank of America is full of it. The specialist was furious with Bofa and how they are treating me. She said to call them again now, and if they do not open your account, call your local assembly member or CFPB. 

As I stated, I am XXXX XXXX XXXX. I can't risk my health standing in line for hours for no reason, as I was told going to the bank will not help me. Also, I have restricted my direct exposure to public places with great diligence. 

It is my duty as a husband, father, and grandfather to protect my family and I will be XXXX if Bank of America thinks they can freeze my hard earned benefits because they want to hold on to every dollar of the federal pandemic money they were trusted to properly manage on behalf of XXXX and the citizens of 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 2015-07-13
Company: JPMORGAN CHASE & CO.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am reporting JP Morgan Chase and XXXX XXXX XXXX. I was told by Chase from the last complaint that I would not be contacted by The XXXX XXXX again for collection and that my account with XXXX was updated as said in the letter from Chase attached. However, mailed out XXXX XXXX, 2015 and received by me a few days ago was another collection notice from The XXXX XXXX. This is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have always had good credit, however in XXXX 2013 my husband was unemployed and Chase offered us an " Unemployment Forbearance Program ''. This was effective on XX/XX/2013 and ran through XX/XX/2013. During that time they told us our mortgage payment would be XXXX until employment was found. We were told that these missed payments would go on the back end of the loan. We complied with all of their terms. However we now find that those payments are showing up as late and/or missed payments on our credit report. I have spoken with Chase and they will not adjust this with the credit reporting agencies. We have lived in this house for over 21 years and have never been late on our mortgage. Is there any way for us to get this taken off of our credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My entire wallet was stolen and I have submitted several FTC Affidavits and also a police report to Equifax for the same account over and over. The Account is XXXX. 
Equifax Removed the account on XX/XX/XXXX and then added it back. I disputed it again and they removed it again between XXXX XXXX. Equifax keeps taking the account off and then placing it back on. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior of the account being reinserted and I demand that this account be deleted permanently. This is a direct violation of the FCRA and a direct violation of the Reinsertion Law. Equifax has taken the account off several times and keeps taking it off and placing it back on. This effecting my life and emotional wellbeing. 

Equifax is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them Permanently DELETE THIS unauthorized ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: M&T BANK CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a XX/XX/XXXX Acura TL on XX/XX/XXXX at XXXX XXXX, NJ. The dealership stated that the bank charged me {$1500.00} in acquisition fees to get approved. The vehicle had some problems but I never drove the vehicle off the lot. The dealership made XXXX attempts to repair the vehicle and I told them I just wanted to cancel the deal. The owner of the dealership told me if I called the bank he was going to keep my money & the car. I called the bank on XX/XX/XXXX to cancel the deal of a vehicle I never took possession of and they told me that they could n't do anything on their end because the loan was n't in the system. The representative told me that I needed to call back in a couple of days. On XX/XX/XXXX, the dealership called me and told me the bank had sent the funds to them and they refused to cancel the deal. I called the bank to confirm this information and they told me I needed to seek legal counsel. If the dealership mislead me the fraudelent bank fees, car history, and bogus destination fees. I wonder what measures they went to get me approve and it needs to be investigated. I informed M & T Bank of fraudulent deal that I wanted to cancel and they would not assist me. I was scammed out of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I contacted Citibank customer service at XXXX to discuss Citi 's proposed terms and conditions changes. My call was routed to an XXXX based call center where the agent immediately cancelled my account. I do not believe the XXXX call center representative understood XXXX XXXX and or XXXX English-slang. My account started in XXXX was cancelled and Citi won't reinstate it. 

Reading the second page on Citi 's terms and conditions brochure, Citi has violated my Consurer Credit Protection Act rights under the federal Equal Credit Opportunity Act. Essentially nearly every category of violation prohibiting creditors from discriminating based on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has entered into a binding contract ) for an existing account occurred. 

Citi 's offshore call XXXX call center won't help. Citi 's onshore representative stated " nobody ever reads the terms and conditions '' -- but I do and did. I should not be penalized for an account in good standing with Citibank. At having to start a new can and wait another ( XXXX ) years for it to have the tenure my Citi card had is just unacceptable. 

Please intervene and force Citi to respond to this complaint. 

Regards -- XXXX XXXX PS Contact today by voice message, text message and e-mail Citibanks XXXX ( XXXX XXXX XXXX, Senior Vice-President ( XXXX / XXXX ) in an attempt to have this matter resolved.

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 2016-03-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
On an automatic debit payment plan, Chase Slate credit card will only allow consumers to pay the minimum balance and or the total balance. Therefore this causes the consumer to have to log into the account monthly to pay any other balance. This causes an inconvenience to the consumer by not taking advantage of current day technology. When consumers due not adjust payments, Chase gets the benefit of the accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have not received my student loan refund in full & have received conflicting information each time I call the servicer in regards to my refund being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Paradigm Assets, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-16
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been a customer with a personal PayPal account for almost a decade without any problems. On their website, they advertised the ability to open a business account for freelancers, and people working 1099 jobs to invoice their clients. I opened a business account, put in all my personal information including personal address, social security, bank account numbers for wire transfers, etc. After putting in all my information, their system said I was a risk because my name appeared on two accounts ( my personal and this new one ) so they will prevent my access to my account and will prevent withdrawal of any funds. I spent weeks going back and forth with customer service who just copy pasted boiler plate. I eventually just wanted the account with all my personal information deleted. I was able to delete my personal account but the site prevented me from accessing and deleting my business account. More emails to the CEO, customer service, the FTC, and even pinged them on social media. They controlled my personal data and would not delete it because I asked them to let me close the account. They would not give me a reason why they are doing this and gave the impression that they have legal rights as a corporation to store my personal data against my will for as long as they want. Funny thing, there are ZERO transactions on the account so they have no basis to hold my data XXXX. Its been months now and my account and personal data is still in their database waiting to be breached and stolen and I have no say in the protection of my personal data as a US citizen. I would never trust PayPal with my personal data especially since I have no way of protecting it, deleting it, nor do they take customer complaints seriously. Absolutely horrible business practices and tremendous violation of consumer rights and privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My students loans are with XXXX. 
I attendedXXXX XXXX University. 
This company is not friendly, and I pay monthly butmy loans continue to go updue to the interest rate. 
They do not have anysolutions to help meand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The Loan servicer Navient has added more than double the amount owed as the amount of student loan and is reporting inaccurate information. I believed that most of this has been paid. I asked for records with the loan servicer and they are unable to provide where the information came from, I contacted the state of Michigan and they gave me several pieces of accurate information. The servicer is reporting more than double the balance that was transferred to them and in the past 7 years the loans were almost paid off until they were sent to Navient. I have paid over {$18000.00} and now the loan amounts have more than doubled. I have contacted Navient several times in the past 6 months and they still can not provide information on where the balances came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have a home for a year now .the bank claimed my taxes increased I showed them the proof from my city that it did not and they refuse to rectify it. I have gone back and forth for a month now. I am aXX/XX/XXXXworking covid cases and a single parent .This is abuse from the bank. I have never missed a payment.

Company response to consumer: Closed with explanation