BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023, I applied for a XXXX Simplicity card to transfer a balance from my Chase Sapphire Reserve card. I was approved, and initiated the transfer immediately. After XXXX two week waiting period, I was told that it would take an additional 2-4 days to process my transfer, during which time my original, full payment posted to Chase ( I paid onmy due date of XXXX, the transfer was processed on XXXX ). XXXX assured me that once the transfer processed, I could have the overpayment refunded to my bank account ; I called Chase and arranged for this to happen, with a refund of {$3800.00} from my personal payment back to my bank account. I gave my routing and account number, and was told that the transfer would process in 1-5 days. When nothing happened, I called the bank, and was told that my refund had been denied, and that somebody should have told me additional documentation was required ; upon follow-up, I was told that there was no way for Chase to refund my overpayment without incurring interest charges for the day between my initial payment and the balance transfer, which there was no way for them to calculate and inform me of in advance. They told me Id been misinformed by the previous agent about my refund being en route, but I was never contacted or informed in any way, and would not have known that there was a problem had j not called customer support to try to follow up. I also was not able to file a complaint or escalate my call, as the supervisor who I was initially connected to told me that she was responsible for all complaints and also the only supervisor to whom one could speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have XXXX accounts with this company that do not belong to me and are fraudulent acct # XXXX and XXXX i have included a copy of police report and id theft affidavit notarized this needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
All my credit cards have been secured credit cards. XXXX XXXX  refused to investigate the charges and the unwarented credit limit increase while account was still secured. All they could say was I'm trying to help you but nothing was resolved. I had to pay off the balance which was doubled and close account. 

With XXXX the same thing happened and I closed account and my money was taken. On the credit agencies they stated account paid XXXX. But I was still paying XXXX which the had wrong. 

Wells Fargo kept increasing the credit limit on every know federal holiday but XXXX increments for one year. I was being told they would investigate but never a call back I had to keep calling the customer service number to leave numerous messages. I also have many phone problems like hot phone battery, power off drop calls and had to purchase thru my phone insurance new phones. Unless they where rigged phones I had no idea who or how my phone was hacked. I went many times in person to a local Wells Fargo branch and they refused to help and forced me out of branch with business card and phone number to call. I have a collection agency trying to collect this money XXXX which they refused to respond to my calls email fax mailed correspondence. I paid XXXX to pay my true balance and they sent me a statement with errors on amount. I submitted money orders from the bank with notarized letters.

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 2021-10-03
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have been using western union for over 20 years western union block my account for no reason and requested that i appeal or write to them upon doing that they apologized after 45 days and alledged that my account have no problem that it has been all cleared i attempted to use it again i was block for nor reason hence the complaint because this a gross violation of my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Glasser and Glasser , PLC, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, wrote a letter received XX/XX/XXXX demanding payment on an account ending in XXXX from XXXX XXXX XXXX. 
Their file number is : XXXX. I wrote a letter dated XX/XX/XXXX disputing this alleged debt and requesting full back up and break down of the alleged debt including any and all signatures of the person that owns this account and signed their agreement for the payment of the interest rate. Glasser and Glasser sent a letter with statements from XX/XX/XXXX-XX/XX/XXXX that showed during that period NO PURCHASES were made but they reflected an amount due with no proof of purchases. Their cover letter stated when the account was opened but no signatures were furnished. 
I contacted counsel but can not afford to hire counsel for this matter. Upon advisement, I wrote a letter of Failure by Creditor to provide requested information and proof of debt per the Fair Debt Collection practices/Fair Credit Act. 
I have copies of all these documents. 
Without serving me or contacting me Glasser and Glasser took a judgment against me and filed a Garnishment. The Garnishment was not posted or served but I found it on the ground at my home. I notified the court and have a hearing XX/XX/XXXX to remove/dismiss this Judgement and Garnishment. Per the Fair Credit Act, Glasser and Glasser should not have taken legal action after failing to provide the requested proof of debt. 
They have harmed me in such a horrible fashion. I wish to file a complaint have this company charged and fined with any and all areas of breach of law and Consumer harm. Your assistance is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I am  XXXX . Having checking account in bank of america. Today, i went to   XXXX    XXXX , nj branch to deposit the fund of  XXXX   XXXX   XXXX  . But after i handed over the fund to the teller. She mentioned i had only give her   XXXX    instead of  XXXX .
<P/>
Denominzation which i gave to her is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . But instead she had given me the denominzation of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . This is clearly looks to be scam and fradulent behaviour. How can my   XXXX   can be turned in  XXXX . I insited to look at her drawer, initially she denied, and when i asked her 2nd time she agreed to do so. After sometime she checked something and came back to me and said, that i was correct, and accepted that i gave her   XXXX   and she missed it some where? i really do n't trust her, for the very simple reason. I did n't have  XXXX  dollar bill in my denomination. This looks to me as clear case of money laundering. 2 Thanks,   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 2021-03-24
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have called multiple times in the past 2 weeks alone I have asked on multiple occasions for them to stop calling. Also they are trying to collect a debt that is in dispute both with the credit bureaus and with the FTC as well and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We bought a new house in XX/XX/XXXX We began paying our mortgage in XX/XX/XXXX. In XX/XX/XXXX from our escrow statement our taxes changed a little. We continue to pay our mortgage on time ( also about {$400.00} extra each month towards principal ) until now. Today a received our escrow statement and our escrow account is {$12000.00} short. I have no clue how it could be this short. There is now way we can come out of pocket for this amount at this time. They also gave us an option to spread it out over the next 12 months but that is also impossible as it would double our monthly payment. Someone clearly estimated our taxes and we now have no way of paying it. If it would have been correct from the beginning we could have been paying the correct amount each month and not be in the unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Dear Cfpb, I would first like to thank you for taking the time to read my complaint. I currently have a student with Navient which I have paid on time for almost 6 years. The interest rate is terrible and my balance is not going anywhere this is a crime they charge 13.24 % for a student loan! I called them and they said they can not do anything to lower it because I make too much money. I tried refinancing this with XXXX other lenders and the denied me that I do not make enough. I feel there is no way out of this. I do not mind paying the loan but when all I am doing is paying mostly interest I get upset. The main issue is when I took the loan out back in 2003 the rate was around 7 % how and why this jumped to 13.24 they can not explain. Is there anything that can be done here? 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Ad Astra Recovery Services Inc
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to Ad Astra Recovery Services. I contacted Ad Astra Recovery Services and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at Ad Astra played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses.This is a notice of dispute pursuant to the Fair Credit Reporting Act FRCA ), section623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I amrequesting the verification to follow reasonable procedures to assure maximum possibleaccuracy, of the information on my credit report. So, I am requesting you verify the items Iam disputing at a higher standard than a third-party database search. Please also notify thesource who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove thefollowing unverified account : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please REMOVE/DELETE these INQUIRIES 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 explanation
Consumer complaint received 2016-10-26
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is serviced by Caliber Home Loans. On dozens of occasions I have received email and mail marketing solicitations from their originations unit, encouraging me to refinance. On at least five occasions, I requested to be removed from their marketing list electronically, to no avail. I then called a representative and asked to be removed, again to no avail. Finally, in XX/XX/XXXX, I emailed XXXX XXXX, Caliber 's SVP of Strategic Growth whose signature graces every solicitation. I received a letter back on XX/XX/XXXX apologizing and confirming that I had been removed from the marketing list, and cautioning that I may receive one more mailing. Over the past few weeks, I have since received multiple additional letters in the mail. Today, I received a letter dated XX/XX/XXXX, weeks after I received written confirmation that these annoying letters would stop. 

My right to opt out is guaranteed by the Gramm-Leach-Bliley Act. Either Caliber 's process is unable to comply with my request, or they are willfully ignoring my request. Either way, it 's time the federal government knew about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: ASTA FUNDING INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year I filed a complaint against Palisades collection agency. In complaint XXXX I outlined a credit card debt that I knew nothing about. Court papers were served at an address I no longer reside for a number of years. They were awarded a garnishment of my wages. No papers were served to me. I requested proof of service yet no response. My complaint was forwarded to Palisades collection with a response to by XXXX XXXX General CounseXXXX representing Palisades. In his response he stated " Case Closed ''. 
On XX/XX/XXXX, I received a letter from my payroll department stating there is another garnish by the same company in the amount of {$1300.00} for interest accrued awarded by the Court of XXXX XXXX XXXX for the same garnishment. There is no date on the document except it was signed by XXXX XXXX dated XX/XX/XXXX. There is nothing on the XXXX XXXX XXXX court docket stating this collection. 

Since XXXX XXXX they started another collection for the same case even though stated closed. As of pay period ending XX/XX/XXXX a total of {$3000.00} is collected from my salary. That is {$1700.00} more than the stated amount. To date they have collected a grand total of {$4600.00} from my salary for a debt XXXX XXXX said they acquired XX/XX/XXXX. I was informed by my payroll dept that unless a letter of satisfaction is received, the garnish will remain enforced. 
I would like an enforcement to be brought against this company as well as initiating lawsuit. I believe I am a harm consumer with my salary at the mercy of this collection agency using it as their personal piggy bank. I also believe the documents they furnish to job is false. I made numerous attempts through emails to different parties and by certified mail but no replies. Phone calls are extended wait times then switch to voicemail. 
Please see attachment of previous complaint.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX # XXXX Reporting late payments and inaccurate information. 

XXXX reporting information without my written consent, Experian reporting imformation without my concent, XXXX reporting information without my concent and all inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Gave permission for none of these XXXX XXXX XXXX XXXXXXXX XXXX XXXX and without permission XXXX XXXX XXXX reporting collection inaccuracy and without permission list of creditors inaccurate and without permission XXXX, XXXX, XXXX  innacurayly reported XXXX XXXX XXXX XXXX negative payments reported inaccuratly XXXX XXXX XXXX XXXX  reporting late payments inaccurate XXXX Reported : XX/XX/XXXX inaccuratly reporting late payments many on time payments not being reported. This is a violation of my rights and i have not given permission for any of nthis

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 2021-03-27
Company: Winklevoss Exchange LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have subscribed to Gemini website to trade cryptocurency and i have deposited some dollars. 
After More than 6 weeks now my verification is still pending, my money is locked there. 
I have sent many emails to the customer service but i only get automatic answer without answering my request. 
This company is not taking care of their customers Other companies like that take usualy few hours to verify, Gemini does not make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: CA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation