BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
that I was Racially profiled and discriminated against today at the JPMorgan Chase Consumer Banking XXXX XXXX XXXX XXXX XXXX Sterling Heights XXXX MI XXXX by a bank teller named XXXX. I came to the branch to day to withdraw {$14000.00}. I filled out and handed the tell my withdrawal slip with my drivers license and put my ATM card in the reader and entered my pin. XXXX stated do you know how much money is in this account I need to verify who you are employed by as well as the last deposit amount to give you this type of money. Implying a minority person is not capable of having or obtaining a certain amount of money in their account. He then proceeded to have me verify all of my contact information in the system. Then question why I need that amount of money what is my age. I asked him when did customers have to do all of this to get money out of their account. He stated that is the company policy and has always been company policy. I informed him that I have never had to do this at any other branch, and I have taken larger amounts out before. He then left the counter to talk to a banker they banker he talked to knew me and I guess gave him the ok to release my funds to me. When I was waiting at the counter another gentleman approached the teller next to me and asked to withdraw more than the {$14000.00}, I asked for and that teller did not ask him any of the questions XXXX asked me. That gentleman finished his transaction and walked away while I still was waiting on XXXX to get back to the teller counter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management has not validated this debt validation letter has been sent over 90 days midland has not responded my Identity has been compromise on dark web from XXXX XXXX midland credit has been calling my personal number the FTC has been notified of harassing my personal life I have never did any business with midland credit management or any affiliate my SSN has an freeze with all three credit Agency I would like this debt be removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi Gold Checking account on XXXX XXXX 2016, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX mileage of XXXX points as a bonus after fulfilling stated requirements. I visited the Citibank 's XXXX XXXX branch in XXXX DC. The Citi agent, XXXX XXXX XXXX XXXX assured me that I indeed qualified for this offer and that she made a special note attached to my new account with the promotion code. As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. I fulfilled the requirements but there had been no bonus disbursed until XXXX XXXX 2016. Therefore I visited the Citibank 's XXXX XXXX branch again on that day. The agent found the note attached to my account by XXXX XXXX, understood the issue, and filed a dispute for me. The letter said response would be sent between XXXX XXXX and XXXX, but I have n't heard back from Citi so far. I also emailed XXXX XXXX to ask for updates on the dispute on XXXX and XXXX of XXXX, but have n't received response from her as well. I believe Citibank must honor the promise, and be more responsible.

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 2021-01-05
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2017-01-12
Company: Credit Solutions, LLC (KY)
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a voicemail on my office phone XX/XX/2017 The voicemail requested a call back. I called and spoke with XXXX from XXXX XXXX. He stated he was calling on behalf of XXXX in regards to a medical bill. He stated they received the file in their office on XX/XX/2017. He told me that the account had been submitted for legal, I questioned how they can do that with me not receiving any notice, he said they mailed me a letter out on the XXXX when they received the file, as of today XX/XX/2017 I still have not received written correspondence. He advised he can give me a discount if paid in full that day {$1300.00} was the original amount. He said they can break it up into XXXX payments or they can go out a year. I advised that I can do a XXXX month payment, he said that is not an option that it is against their policy only to go out a maximum of XXXX months. He again started talking about legal action and that I would have to pay the bill in full plus interest as well as court fees and attorney fees. I was extremely upset and felt as if I was being forced to do what they wanted me to do or I was going to court behind it. I told him I can look at what was doable for me and contact them back. I also requested my XXXX phone be removed from their call list. I filed a dispute on their company website right after the call disconnected. Less than XXXX hours later the I received a call from the original collector that had left msg on my XXXX phone. He said he received a message to call me back. I never once told anyone to have him call me back. I asked how the dispute worked as I had filed XXXX on their website and he stated they review it to see if the debt is valid and go from there with me proving the debt was not mine, etc. I advised him again I did not request any calls back that him calling me and making contact XXXX times in XXXX day was a FDCPA violation. He back peddled and said that the message to call me back came from his supervisor from the dispute. But not once did he try and see why I filed the dispute. He said he can offer me the XXXX month payment option?? I questioned about the policy on only going out XXXX months, I asked how XXXX rep can only give XXXX months based on policy but he can do XXXX months, he stated that it was is file and he can do that. I became very upset and cried advising him that I want to make good on it but that I felt like it was on their terms or no terms at all without it going into a legal status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio recovery associates does not obtain a legal license to collect any debts in newyork state they have illegally attempted and has illegally impacted my credit score which has caused XXXX and extreme mental stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to sign into Experian to view credit report. They have an incorrect email on file so anything I do is sent to this email which isn't mine. I have no access. I do NOT have an email that ends with 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 2022-03-22
Company: AES/PHEAA
State: NY
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:
-For XX/XX/XXXX through XXXX XXXX ( and again in XX/XX/XXXX ), I worked for qualifying employers ( both employers have been certified via ECF with DOE/Fed Loan ) . For the above-noted time periods, I verbally ( over the phone ) requested a hardship forbearance ( from PHEAA and then Fed Loan Servicing ) on my federal student loans ( both subsidized and unsubsidized ). I did this because I believed that I could not afford to make the payments under a qualifying IBR plan. At no time did the customer service rep ever explain to me other options to lower my payments so that I could make PSLF qualifying payments, even though I indicated that I was a government employee interested in PSLF. The only paperwork I ever received from them was confirming my hardship forbearance request. I never received any information/documentation about the implications of this request, nor was I ever required to provide proof that I was eligible to receive a financial hardship forbearance. After the DOE announced the limited waiver in XX/XX/XXXX, I called Fed Loan Servicing several times and inquired with a customer service rep. about retroactively correcting this and was told that I could not do this. I forget the exact dates, but I called once in XX/XX/XXXX and once in XX/XX/XXXX. This forbearance steering by the student loan servicer has now caused me to not qualify for forgiveness even though I have worked for qualifying employers for over 10 years. The DOE temporary waiver rules ( and PSLF/TPSLF ) programs still do not account for this ( and it does not look like their negotiated rulemaking will help either ). I am respectfully requesting that CFPB review my and many others ' personal situations to show that this past forbearance steering has substantially negatively impacted many PSLF applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: AES/PHEAA
State: NC
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 had a XXXX grant, which FedLoan Servicing converted to a loan because they claimed that I did not complete the required yearly statement saying that I was currently XXXX ( which I have been and still am ). I called and sent a letter, stating that I received no communication from them about this yearly statement and had no idea that it was due. They claim that they put messages in my portal. This is unacceptable, because any email I have ever received which said something about a new message being in my portal resulted in me clicking the link and being denied access because of some error on their website. I have received no notifications from them. I have requested that they correct their error and convert the loan back to the teach grant, as it should be. They have refused to acknowledge that I was never notified. This is unacceptable, and any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NC
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 company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

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 2022-10-11
Company: EQUIFAX, INC.
State: GA
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 my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PSC has not sent me my HIPAA release that I have signed. 


They also haven't successfully validated the services I supposedly received. Instead, they told me to call the hospital I supposedly received services at. Unfortunately, I am unaware of a debt that I owe to said hospital. It is Puget Sound Collections responsibility to validate the information they are reporting on my credit report, not mine. 

I intend to follow suit if they can not provide my HIPAA release and actually the following information within 30 days : 1. Provide my signed and dated HIPAA release stating that 3rd parties may collect on my supposed debt. 
2. Provide proof that I received a service. 
3. Provide services I am being charged for. 
4. What the cost of each service is that I am being charged for. 

This company claims they have validated the debt, but they have not. They sent me basic information that can not be proved as mine.

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 2016-08-20
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, CitiMortgage transferred my mortgage to XXXX XXXX. I inadvertently let my XXXX electronic payment go to CitiMortgage on XXXX XXXX and it cleared my checking account on XXXX XXXX. On XXXX XXXX, I caught my error and contacted CitiMortgage, who replied the next day that they would forward the payment to XXXX. As of today, XXXX XXXX, XXXX has not yet received the payment. I work in banking, and I understand that this should take a matter of moments. I 'm under the impression that CitiMortgage is sitting on the funds, drawing interest.

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 2022-03-22
Company: Financial Freedom Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have the same complaints others have written to the XXXX  regarding this company. I see no need to repeat as it appears to be a pattern of behavior with them. Approximately during the week of XXXX XX/XX/2022, XXXX XXXX ( VP ) came to our home and lied about the time it would take to apply and close on the loan. He stated approximately two weeks and it has been over a month since any progress has been made other than our having paid {$480.00} for an appraisal that they were quick to have completed. At this time, we still have not received a copy of the appraisal or a copy of our documents that were signed and completed during his visit. My husband has called numerous times and very seldom makes contact with anyone or just receives voicemail. When he does actually talk to the loan officer XXXX XXXX he continues to be given the run-around in having anything completed or sending over a copy of our appraisal. I've been told this is a ploy that is done by some loan officers in order to delay the completion of any refinancing with other companies as the only way we can move forward, would be to pay for another appraisal. This we will not do. If the matter is not settled quickly, we will be contacting our lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have variuos accounts that are in accuratley being reported and are detailed in the letter I am attaching

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 2015-06-26
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
American Education Service ( aka AES ) is the current servicer for my private student loans from XXXX University & XXXX University. I contacted them in regards to obtaining a lower monthly payment amount due to having a reduction in hours at my current job and also to have my due date aligned to the XXXX of every month. I have provided documentation to support my monthly income and expenses, yet they refuse to work with me and will only offer a temporary 3 month deferrment. I suggested a permanent option of reducing my monthly payment from {$700.00} to {$350.00} per month, which they still refused. At this rate, that I am going default will be the eventual outcome,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit file has been really compromised. I have been submitting multiple written appeals to Experian regarding the fraudulent account being reported on my file. The last letter I sent to Experian was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess Experian is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. What else should I provide? Did I miss something? Again, I am a victim of IDENTITY THEFT and I do not remember having this account with this company so please DELETE this damaging account from my file IMMEDIATELY! 

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 2022-10-07
Company: EQUIFAX, INC.
State: TX
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 have paid this account off in full and gave submitted A dispute with both XXXX and XXXX to advise them this account should reflect closed with A XXXX balance however, both companies have failed to update the information. I have attached A letter from the company as proof of XXXX balance and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Palisade Collection bought a credit card debt and forwarded it to XXXX XXXX XXXX now known as XXXX and XXXX to be collected. A judgement had been placed at least 8 - 12 years ago. They garnisheed for it. The XXXX was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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: Problem with personal statement of dispute

Complaint:
I was current on my credit card debt however, I decided to go with a debt management company to get my interest rates reduced. XXXX XXXX and Capital One were two of the creditors. Even though I continued to pay the same monthly amount. XXXX XXXX started sending reports to my credit bureau that I was 30, 60 and 90 days late in XXXX until XXXX without me missing a payment and sending the same amount I had always sent. Capital One put 30 days late XXXX without my missing a payment or reducing the amount I was sending. To be clear I never missed or reduced the payments I was sending prior to my contract with XXXX XXXX.

Company response to consumer: Closed with explanation