BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: JPMORGAN CHASE & CO.
State: NJ
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:
My name is XXXX., and I sometimes get up to XXXX XXXX XXXX cellphone calls and ( XXXX ) voicemails ( XXXX contacts altogether ) each day, from XXXX. I do n't know these people, and I do n't owe these people. They call me all day long, even when I 'm in the middle of conducting lectures with my college student 's, and It 's driving me crazy! 

I told them earlier today that I would turn their information over to the FBI, and I am starting first with your agency. 

If you have any questions at all, please contact me on my cellphone at XXXX, or by email at XXXX, and I will assist you in any way possible. 

Ever grateful, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: JPMORGAN CHASE & CO.
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I have been in short sale XXXX with Chase for the last 7 years. In a nutshell, I lost my job in XXXX of XXXX in XXXX. I had to relocate to XXXX since there were no jobs available in XXXX and had to leave behind my house I had n't even lived a year in after purchasing so I worked with a realtor to put it up for short sale. My husband is XXXX and I also had a 9 month old at the time. After moving to XXXX, we realized we could n't manage living in an apartment and barely making ends meet so my husbands parents offered to have us move out to XXXX. We have been out here since XXXX of XXXX. For over 2 years, I had many decent offers on the house, but Chase never got back to my realtor about accepting an offer, then finally after 2 and 1/2 years, declined to let me short sale it, even though I had about 6 different offers. 
I waited for almost 2 years to see if they were going to foreclose, they never did. I contacted them again in XXXX to see if I could give them a deed in lieu of foreclosure. They said I had to try and sell it. I told them about trying before, they said it did n't count and I had to try again. So I got the same realtor to help me out, we had multiple offers again, and finally had one that worked very well. Chase made it very difficult to work with them, but we complied at every step, including me sending in month after month my paystubs, bank statements and tax returns. At one point they said we had to try and sell the house at XXXX. The buyer agreed, then Chase countered again with {$500.00} more dollars! Luckily my buyers agreed to it. Now, about a month ago, they have declined the short sale again stating I had a lien on my property ... which I do n't and if I do it 's their fault because of dragging this out for 7 years now. 
My credit is shot, I have no way of improving my credit score because they keep dredging this up and having it show up. I have complied with them every step of the way and I have had so many people working on my case from Chase, I do n't even bother remembering their names. No one ever calls back myself or my realtor. 
I started out with walking away and owing XXXX and now it 's almost to {$300000.00} due to late fees, bogus insurance policies they say I had to have and other miscellaneous fees they felt like throwing in. 
Even if this lead to me filing bankruptcy, I just want to be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CHECK INTO CASH INC.
State: AZ
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
check for {$500.00} but took half instead. I was w/ us bank. I now have XXXX XXXX paralegal XXXX calling form XXXX. XXXX XXXX attempted to contact me for the first time XXXX/XXXX/15. also proceeded to contact my father. released confidential/personal info. telling him a warrant would be issued for my as well as a felony on my record. same day also contacted my XXXX brothers. I attempted to set pmt arrngmnts as was told by XXXX representatives from walker I was non-compliant and foewarding to a judge. my XXXX hung up on 2 times before I was able to get him to transfer me to his manager who also stated I was non-compliant. adv her Arizona is a community property state my wife should have been primary contact. instead private info released, threatening acusations, illegitimate & down right harassing business practices I would request u look into company to make sure other are not having to deal with this kind on treatment..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax deleted a XXXX XXXX account then reposted it even after I disputed the account. I have attached proof it was deleted, page XXXX of XXXX. 
XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was renting a space to park my truck at XXXX XXXX XXXX  in XXXX, Florida. They sent me a notice that i need to vacate the premises by XX/XX/2022, in which I did. The woman that was handling the payments passed away, and the recurring charges continued, the business is blaming the poor woman, nonetheless, I contacted Wells fargo Bank, I filed a dispute. They agreed, however, they only refunded me {$290.00}. The total amount of the unauthorized charges amounted to {$630.00}. The storage unit refuses to refund me the difference of {$330.00}, and so does Wells Fargo. I contacted Wells Fargo and even visited a local branch, they said initially they were only liable for {$290.00}. When I called them back and spoke to customer service, on XX/XX/XXXX, they sated that they would refund me the other amount of unauthorized charges, with the method of a manual credit. I called back, they have no recollection of such conversation. They did not do what they promised to do. I have not received my refund as they stated. Thank you.

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 monetary relief
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
Chase card fraudulent late fees : In XX/XX/XXXX chase charged my account {$150.00} and XX/XX/XXXX so far {$270.00} late fees All payments were made on the due date after XXXX pm. Chase phone payments ( automated payment system XXXX rolled the payments over to the next day then charged late fees. 
The bank was making more in late fees than interest which were respectively {$140.00} and so far XXXX for XX/XX/XXXX. 
When I call, they say it 's automatic they can not undo it although its wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
ON XXXX XXXX CHARGED XXXX XXXX VISA {$49.00} FOR A XXXX BANK. 
XXXX XXXX WAS SENT A TEXTBOOK. HE WAS NOT SENT A XXXX BANK. HE WANTS A FULL REFUND. SELLER MISREPRESENTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After making several requests by telephone and by letter, " JPMorgan Chase Bank , N.A . '' has not provided a : 1. Copy of the " Mortgage Loan Payoff '' letter ; and 2. " Closing Statement '' that lists all the " charges '' and " credits '' that were applied by the bank to fully payoff the mortgage loan. 
As a result, there is no way to check the " charges '' or " credits '' as to being correct. 
I paid {$5400.00} Chase on XXXX/XXXX/15 and Chase refunded {$3.00} XXXX/XXXX/15. 
Chase sent a letter that stated that the loan was fully paid off, but Chase did not provide any final accounting of how a payment of {$5400.00} resulted in a return of {$3.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report 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 2017-02-15
Company: Crow Creek Sioux Tribe
State: OR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Despite paying {$1000.00} in interest between XXXX and XXXX, Dakota Lending still wants to charge an additional {$340.00} in interest on top of previous {$1000.00} I have already paid on a {$1100.00} loan. I offered to pay the loan in full, but they insisted on me paying the additional interest charge.

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 monetary relief
Consumer complaint received 2015-07-21
Company: GATEWAY FIRST BANK
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company failed to maintain proper accounting and balance for escrow and attempted to increase mortgage by $ XXXX {$400.00} per month on two occasions. After multiple requests for an explanation of increase, company is yet to provide consistent accounting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Duvera Billing Services, LLC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchaed a sofa from a local establishment {$580.00}. Total cost XXXX. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was {$370.00} which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called and sent me a letter claiming I got a ticket 1.5 years ago on a rental car in XXXX. I called the rental car company to see if any tickets were issued against my rental car and they said nothing was filed. I told this to Cedar financial and they continue to leave me multiple voicemails every day saying the same thing over and over. They wo n't give me any information about this claim unless I " confirm my identity '' by telling them personal information. This is getting to the point where it 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am on a reduced interest/monthly payment however due to ME making payments on XXXX and my parents parent + loan, I have been unable to make any substantial payments on this account, I pay $ XXXX when I can but I can not overdraft my account any more without not having any food or having my car taken away. Great Lakes continues to post negative marks on my credit report, there is no way for me to get any kind of extension or forbearance or anything based on my conversations with the Great Lakes reps - they are also calling my parents ( who are cosigners but living in poverty with health concerns ) every single day asking for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted about a debt on XXXX/XXXX/XXXX that I questioned the legitamacy of. The debt collector claimed I owed over {$500.00} for medical bills dating back to XXXX. I sent a certified letter asking for verification. 

On XXXX XXXX, I received a letter stating that the verified debt was {$19.00}. 

I received another call today, XXXX/XXXX/XXXX again claiming that I owe over {$500.00}. I was told they would have to verify the debt again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I previously reported issue with CFPB. The same unethical practice has happened again despite receiving a letter indicating they were changing their policy in XX/XX/XXXX. I suppose it has n't happened yet and they are still processing transactions high to low instead of order they are received. But what really concerns me is that today on my statement there is a line item that says {$35.00} " debit card authorization ''. I have not used my card so when I called to inquire they said it was an overdraft fee. Talk about deception. I was concerned someone used my card but instead it 's the bank disguising fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Auto Trakk, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
i lease a 2014 XXXX from autotrakk out XXXX PA found later the car has off the market parts valued at over {$3000.00} dealer has refused to replaced oiginal parts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have mailed privicay and Opt-Out Instructions for all my accounts Great Lakes XXXX XXXX is servicing to both the Department of Education with whom responded advising me to send notice to my loan server Great Lakes. 
Opt-Out Instructions for Account # XXXX Dear US Department of Education/Great Lakes XXXX XXXX : Following are my instructions with regard to your information sharing and Opt-Out policies : 1. You do not have my consent/permission to share my personally identifiable information with any nonaffiliated third party companies or individuals. I am asserting my rights under the Financial Services Modernization Act the ( Gramm-Leach-Bliley Act 15 U.S.C 1682 and 17 CFR 248.7 ) to opt-out of any sharing or sales of my personal information by your company. 

2. You do not have my consent/permission to share my personally identifiable information about my creditworthiness with any affiliate of your company. I am asserting my rights under the Fair Credit Reporting Act to opt-out of any sharing of this information by your company. 

3. I Request a copy of your company 's Privacy Policy and opt-out methods that states how you handle my personal information. Only what is " permitted by law. '' I wish to limit other uses of my personal information by your company and its affiliates. In particular : * You do not have my consent/permission to disclose any information about me, including transaction and experience information, to any of your affiliates. 

* You do not have my consent/permission to disclose any information about me in connection with direct marketing agreements between your company and another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Prince Parker & Associates
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They will not quit calling my wife and I as well as my employer by phone, but we have yet to receive anything in the mail from this company. How do I know it is legitimate without that information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Since XXXX 2016 as I applied for an income driven repayment plan, I have received conflicting information from numerous reps and multiple managers regarding whether I should I expect an interest subsidy to apply to my account with Great Lakes after my monthly payment amount changed in year two of the income driven repayment plan. After the subsidy did not post in XXXX, I was told that I should still expect the subsidy but that it was delayed because my payment plan did begin until the following month on XXXX XXXX. I called repeatedly in XXXX to confirm and was told I should expect the subsidy by XXXX XXXX, but I did not receive a subsidy by the end of the month. I called on the first business day of XXXX and by the following day and multiple calls, I was told that by XXXX XXXX I should expect an interest subsidy and that there was a delay from the government in posting interest subsidies. After the subsidy did not post by XXXX XXXX, I was told on XXXX XXXX that I would not qualify for an interest subsidy because my new payment amount is higher than the subsidy. This was a simple piece of information that multiple representatives and managers missed from XXXX through XXXX. This misinformation negatively affected my ability to plan financially and has caused me to make payments on unsubsidized loans with lower interest rates because I expected the subsidy on the subsidized loans. As a financial service company, multiple guesses and examples of misinformation over an extended period of time are unacceptable. I am also concerned by the final manager I spoke with advising me to apply for removal from the income driven repayment plan with the idea of letting my loans be forgiven after 20 years. Not only was I misinformed, but I was encouraged to keep up with my minimum payments, which would cause me to pay significantly more over the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation