BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX XXXX, 2017 received notice from Chase **WARNING** Chase is UNFAIR to long term customers!!?! ** I 've been a Chase Ink Business Credit Card holder for nearly 20 years and have never missed a payment. Though I have been late never more than a day. During a recent hospital stay a relative made my payment late ( a day ) and to my disappointment Chase raised my interest rate to a draconian 27+ %. I called and an account manager named XXXX ( nice woman ) who told me that unfortunately there was nothing to be done. Over the years I have had a mortgage, line of credit and several credit cards, personal and business with Chase. Paid them all in good faith and this is how they reward loyalty. <P/>STAY AWAY FROM CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I applied for credit and was informed the creditor used an Experian credit report to make a determination. I signed into Experian 's website and attempted to request a credit report several times over a couple days and each time received a message stating they were having difficulties and were unable to support my request. So, I called a few times and attempted to make the request using the phone menu which resulted in instructions on how to make a web request. I followed the instructions and got similar results - no report request submitted. I called again and the phone menu choices offer no means of other support.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: AZ
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 the following accounts have violated my rights : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2017-10-17
Company: CURO Intermediate Holdings
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Speedy Cash of KS Missouri and XXXX XXXX have decided that though I never gave ANYONE authorization to use my debit card, I have been charged XXXX for an account that I dont nor never had. After trying for one week to get through to XXXX XXXX to reverse the charges, reissue my card and file a formal complaint after 6 weeks they send me a letter telling me that Speed Cash presented them with documentation that I authorized this payment. Whatever they presented had to be fraudulent as I have never given anyone authorization to take XXXX from my meager SSI account. How can I get my money back and make sure this does not happen to me again. Speedy Cash stated that since it was done online, they did not need authorization and refused to return my money. Now, they have docs that say I authorized!! this is straight up fraud. I want them to present to me or an attorney this documentation. Whether it was my sister, son or brother that took my card and used it, it was not authorized. I have had to borrow money to buy groceries, do laundry and other expenses. I start XXXX with XXXX in the hole. How can they get away with this? PLease help me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX ( XXXX XXXX/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.

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 2019-07-28
Company: LEXISNEXIS
State: FL
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: Information is incorrect

Complaint:
LexisNexis removed incorrect details regarding an Accident in XX/XX/XXXX. As a result of this correction, XXXX issued me a {$1000.00} Refund. I switched to another company and the details are coming up again as incorrect. LexisNexis issued me a letter in XX/XX/XXXX assuring me the issue had been corrected. REF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I received an XXXX credit montoring alert that my credit report had changed. When I checked my report It showed a new collections account from a company called Transworld systems Inc. I gave them a call at the number listed to see what the debt was. On my call they told me the debt was from XXXX, a utility company ( account # XXXX ), and that they would send me a debt verification letter which I did recieve, account # XXXX. The letter was dated XX/XX/XXXX and looks like the debt was a final electric bill from a residence I live at more than 6 years ago. When I explained to them that I never received notification of this debt from either XXXX or XXXX. The representative stated that they and XXXX mailed notices in XX/XX/XXXX to the address listed on the utility account, XXXX XXXX XXXX XXXX XXXX. It should be noted that I hadn't lived at that address for more than 3 years as the utilities billing for that address stopped on XX/XX/XXXX per the debt verification letter they mailed, which Ive included. I lived at the address for 1 year only from the date of XX/XX/XXXX-XX/XX/XXXX verified by calling the leasing company. Unfortunately they do not keep lease copies that long so I was unable to obtain a copy. I asked why they would send notice to a place they new I had moved from and they could not give me an answer. It should also be noted that mail forwarding through the USPS only lasts one year, not 3. Id also like to note that I have had the same phone number since XXXX and never received a call from XXXX or XXXX. I called XXXX and offered to pay the debt in exchange for the collections removal from my credit as the collections notice from XXXX was the only notice of the debt I was given to which the representative responded with " no. '' My issue is had I not received a credit monitoring alert I would still have no idea I had this debt in collections. I've included copies of my federal tax returns from XXXX -XX/XX/XXXX showing I did not live at the address they claim to have mailed the notice to in XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: U.S. BANCORP
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I stayed overnight at XXXX XXXX located in XXXX Maryland on wednesday, XX/XX/2022. During this day I was charged a total of {$330.00} for the stay with another {$30.00} for an incidental fee. After check out and after the balance was settled with the hotel, a pending transaction of money they were holding from me in the amount of {$420.00} and XXXX cents was held under the explanation that there is a 20 % hold on service industries in the state of Maryland. I had never in the recent past had this experience for any hotel stay that I have completed. Upon realization of this error, I contacted US Bank and XXXX  services more than XXXX times to try and straighten the matter out because once they deducted those fees I had no money left for anything, including the celebration of my daughter 's graduation from high school. I spoke at length with one of the US Bank representatives by the name of XXXX who was very agitated and became emotional when I asked for the return of of my money. In addition, he refused to continue to entertain or discuss the matter stating that he felt angered by how he was being addressed., Another representative who claimed that he was a supervisor repeatedly stated that I had to wait 20 days before my funds would be returned to me. I explained to him that I had not authorized these funds to be withheld and I wanted them to be refunded immediately. On more than five rounds of repeating this statement, he refused to to refund money that were owed to me. I further explain to him that I could not be charged I could not be held to wait 20 days when I had never withdrawn or charged {$420.00} on my card or account. After multiple XXXX hours of debating and arguing about funds that they are holding which belong to me, I exper the explain to representative XXXX that I would file a complaint against the company. To no avail, he did not relent. When I explained to the representative at XXXX XXXX that they needed to settle all charges for my hotel stay, I was informed by the front desk manager that all funds have been settled and that {$30.00} would be returned to me in 7 to 10 business days. To this effect, it it appears that I was charged {$420.00} for services unaware and unknown to me. When I inquired both at the bank and through the hotel, neither of them could explain what the charge was for. I am imploring you to get involved and force them to return my funds. Additionally there was another charge for {$120.00} which was also pending from the same week of charges outstanding for a hotel stay. This has not been the case previously, and I am expecting a full return of my funds.

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 2020-06-22
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a mortgage with Ditech for many years. The loan was paid in full every month but the company refuses to report this to the credit agencies ( 3 ). When I made a formal report with the credit agencies as the information being inaccurate Ditech removed themselves from my profile completely. This affected my credit score. 
Ditech sold my loan in 2019 and did not fix this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX MEDICAL DATA SYSTEMS Reported : XXXX XXXX, XXXX - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS Reported : XX/XX/XXXX - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-01-30
Company: AES/PHEAA
State: IL
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:
XXXX XXXX received my Direct Consolidation Loan from XXXX approximately XX/XX/2018. I have been making payments to this consolidation loan at XXXX that qualify toward payments under the PSLF. I have phoned several times, but I have not got XXXX XXXX to research the documents received from XXXX  so that I can have the appropriate number of qualifying payments post to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Nelnet, Inc.
State: TN
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 paid over $ XXXX this year and my balance does not drop because when I pay additional above my payment the company will not apply it to the principal balance. Even my mortgage company does not do this. How am I ever supposed to pay the loans off when I 'm paying $ XXXX in a year and see no reduction in my balance? This is a predatory lending practice and should not be allowed - especially with student loans. NelNet is the company my loans are with right now. They refused to apply my extra payment amount differently or provide a refund so I could apply it to different debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.

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 2019-11-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase bank refused to properly authenticate the account and go through the full verification. The agent got an attitude then when i asked to speak to the supervisor she refused to verify the account for my own requests of adding a verbal passcode to the account the supervisor nor the representative verified the account fully. 

Supervisor name : XXXX Agent involved : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
my name is XXXX XXXX. I am in desperate Need of emergency assistance. My friend of 18 years XXXX XXXX XXXX is and continues to be abused, punished, tortured, manipulated -- and illegally slowly forced to XXXX I am a XXXX -- currently unable to pay for renewal -- my friend XXXX is an XXXX -- who is a XXXX veteran a XXXX man with 20 years -- and a former postal XXXX of 20 years is being forced to die. I physically went to elder abuse and social services -- to report that his son XXXX XXXX XXXX and his daughter XXXX XXXX XXXX with her boyfriend XXXX XXXX are forcing extreme abuse. They have committed fraud through his home through XXXX and XXXX XXXX -- WHO ARE CONTINUING TO ABUSE ME THROUGH A PROPERTY I OWN IN XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- this is severe fraud that property through my XXXX  XXXX XXXX XXXX and XXXX my sister and theft and fraud please help me and XXXX I am at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX being forced to die illegally also through utility and gas control -- the police and courts are involved in the fraud please help severe theft throught phones, mail banking etc,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/17, I submitted a request to XXXX XXXX to validate debt via certified mail XXXX XXXX XXXX XXXX XXXX. I asked that the company provide the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Any insurance claims been made by any creditor regarding this account. 4 ) Any Judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to collector. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collector if collection efforts are successful. To date, Convergent has not provided me with the requested information. As a matter of fact, the only information that they sent after my request was a copy of a bill.

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 2022-06-12
Company: EQUIFAX, INC.
State: GA
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  XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/19 I was notified by XXXX  that penn credit corp reported a collection account that I have never been provided with a bill or any documents validating the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Subject : Closing Credit Card Account- With No Prior Warning Company : Capital One Account # : XXXX Sir/Madame : I am responding to a recent letter received by Capital One received on XXXX in the 'Closing ' of above account due to 'inactivity ' ( over 3 years ). As per the stated letter my account has been closed & within 90 days I have to redeem my reward points. Period. Today, Tuesday, XXXX, I called & spoke to Capital One 's Supervisor, XXXX, XXXX. Escalation Dept & requested measures to re-activate above account with activity. As per XXXX, Capital One has made a Final Decision to 'close account ' & does not allow any  option to re-open with continued activity. I stated to XXXX, I Did NOT receive an earlier letter from Capital One stating the inactivity of my account & more importantly did NOT Give the opportunity to reactivate the account. Instead, I simply received ONE Letter stating both position of my account & the position of Capital One in simply closing my account. Period. This prompt action from Capital One : 1- Will Unfairly Reduce my Business Credit Limits/Access for my business which I rely on & more importantly effect my business for future opportunities. 2- Disrupt my credit score by closing my account. ( i.e. As of XXXX XXXX my credit score is over 800 ) This is an 'Unfair Action ' that Capitol One has taken that has taken & should not be allowed without prior notification to rectify OR simply allowing me the option to 'resolve this issue ' within a reasonable time frame. This is wrong & is not an action to take on a responsible/credit worthy client. Thank you advance for your assistance & I will await both your actions & more importantly the response back form Capital One. Very upset, XXXX XXXX XXXX

Company response to consumer: Closed with explanation