BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: CA
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 began taking out my loans through XXXX XXXX years ago. However, I have noticed that with the transfer to Nelnet that my loans sky rocketed. in addition my information was turned over and I was not even aware. In addition I now have multiple loans on my credit report and it is causing issues with me even getting approved for anything.

Company response to consumer: Closed
Consumer complaint received 2017-02-15
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did received a payday loan from them and I stop paying because of loss of employment, I called and notified XXXX but I do n't think I owe {$570.00} when I was paying on the loan when I connected them I was told it has been placed in collection and to call Plaza Services, I just was verification I owe {$570.00}.

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 2021-06-16
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
WorldRemit facilitates identity theft and condones theft on a grand scale, which is precisely why someone operating criminally would be attracted to this company, which declares itself " required by law to verify all of [ its ] customers. '' There is no reason that I should believe that my experience with WorldRemit is unique if the complaints posted on the XXXX XXXX XXXX  website are a representative sample. Laying bare the lie of the company 's claim is the fact that WorldRemit does not bother to verify whether a debit card bearer 's name and identity match the name and identity of the sender of funds. On Monday, XX/XX/2021, two identical online transactions of {$160.00} each were made using stolen information from my debit card between XXXX XXXX to send money to an unknown recipient, seemingly to XXXX. I do not have an account with WorldRemit and have no reason to use their services. 

The line item description on the transaction record with my credit union read " WORLDREMIT XXXX CO XXXX ''. Calling the 888 number goes nowhere since the line is disconnected and XXXX does not correspond to any zip code in the United States. Visiting the website leads nowhere - if you are not a registered user with a login, there are no live links to the chat option and no way to email anyone, which is disabled as a means of contact as of the date of this complaint. Calling the XXXX number, XXXX, leads to an automated message that leads circularly back to the website ; at no point is it an option to speak with anyone with a pulse and a quasi-functioning mind. The absence of responsive accountability communicates that WorldRemit willfully turns a blind eye to theft and illegal transfers of monies abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
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:
I borrowed a loan from NJclass for {$40000.00} to pay tuition at XXXX University in NJ. I have made effort to pay them each month, but can not pay the full $ XXXX monthly. They have told me numerous times that there are no options for repayment. I have been giving them $ XXXX monthly. I have contacted congressmen in NJ who could not get the minimum down. They will not consider my income. My credit is now destroyed. I have other loans which are working with me without issue. It seems that hesaa is one of the few that offer XXXX options. I am now {$700.00} behind. Everyday is a struggle. I work hard and pay for everything else in my life that is required of me ... But because I ca n't pay the {$400.00}, my credit is bad and discounts my hard work. Someone sees my credit and feels I am irresponsible. I know it was my choice to borrow money, but hesaa 's inflexibility is making it impossible to find resolution. Private loans should be allowed inn chapter XXXX. I am now facing defaulting. I read that hesaa charges 30 % of the balance when you default for legal fees ... And they do NOT offer loan rehabilitation ... how is this legal? I should have the freedom of at least XXXX option. I have no rights here. Where are my rights? I have paid them something every month. I do n't know what to do. NJ Class ( hesaa ) masquerades itself as a federal loan to XXXX year olds who do n't know the system. The governor is listed as being involved on their website .... For what purpose? This needs to change. I need help or my life could be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
American Express gift card was used by unknown person in California on XX/XX/2017. We live in NJ and have not been to CA. Two {$1.00} charges to XXXX in XXXX ( card was supposedly swiped-magnetic transaction. Then on same day, online {$270.00} XXXX transaction which put the card at XXXX balance. American Express will not take any action and does not consider this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: American Credit Acceptance, LLC
State: UT
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:
American Credit Acceptance is reporting late notations on my credit file. I recently took a look at my credit file and noticed the late notations were reporting. Unfortunately, due to Covid I had a very hard time with my finances. I was severely financially impacted and did my best to make a payment when I could. I ask that American Credit Acceptance make a one time good will adjustment and remove the late notations from XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This mortgage account originated through XXXX ( XXXX XXXX ) on XX/XX/XXXX. JP Morgan Chase began servicing the account shortly thereafter. In XX/XX/XXXX, the account had fallen under pre foreclosure. Assistance was provided by the Commonwealth of PA. Account was brought current through this process. There was a third lien placed on the property address, by the Commonwealth of Pennsylvania, in regards to this account. The property was put up for short-sale, in XX/XX/XXXX. This is about the same time the deed was transferred from XXXX to Chase. When the first pre forclosure was initiated, the property should have been properly titled. This is an obvious attempt by Chase to hide the fact the property was not properly titled. This explains my difficulty in attempting to refinance the property between XXXX and XXXX. I am hereby granting the CFPB permission to access my files with JP Morgan Chase. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
Sent Equifax multiple letters on XX/XX/2021 to rectify and remove negative reporting accounts. Per FCRA its been over 30 days and they have not responded. In this case Equifax has to remove all negative reporting accounts per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Citibank in their response to my complaint against ( Case # XXXX ) them stated they have not attempted to collect on the debt in question since XXXX XXXX when it was sold to XXXX. And that a copy of my complaint and Citibank response will be forwarded to XXXX. ( See Attached ) I want to know what part of my complaint against Citibank was sent ; the complaint, or the complaint and fair resolution. I like to know whom it was addressed to and the address it was sent to. 
I want to address the issue of the debt being sold XXXX XXXX and all information made through the date of sale is given to the debt buyer. Why was my complaint against Citibank, and Citibank response forwarded to the debt buyer after the date of sale? 
Citibank fraudulently stated in their response to my complaint that they received a " Cease and Desist request from me in XXXX XXXX, and the account was updated accordingly. '' I never sent or requested a Cease and Desist. My written request made in XXXX XXXX to XXXX XXXX XXXX , XXXX was that all communication to be in writing, there was no mention of cease and desist. 
I want Citibank to produce the Cease and Desist that they refer to in their response to my complaint. ( Case # 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 2017-02-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
Banamex /USA . This company refuses to handle my written responses. I have not communicated through EMAIL pertaining to this matter since reporting it.

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 2016-12-23
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice from Credit Protection Association L.P. for a debt / service I never signed on for. The alleged original creditor is XXXX for the amount of {$550.00}. However, my electric provider is XXXX and my gas provider is XXXX and I have been making monthly payments to both continuously for the past several years. I have never entered into any agreement with XXXX. I do not entertain solicitation notices either by mail, person, or telephone. When I logged on to the XXXX site, the request a dispute link leads to a server error and does not allow you do take any action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently attempting to assume and modify a loan under which I am currently the executor of the estate since the death of my relative. Chase is asking me to do illegal acts in order to modify and assume the loan such as file quit claim deeds on behalf of my deceased relative and to pre-file the quit claim deed that is to be filed to remove my sister from the estate. I live in the home and they are not working with me in any way in order to keep the home. I have been going through this process for 6 months and today I found out my case was denied because I did not file a deed that it is unlawful to file. Please help me to know my options in order to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Assured Financial Partners
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The associate at First Equity Alliance was very condescending and spoke over me in my attempts to get documentation mailed to me for confirmation. He was very rude and unprofessional. To act as if they are mediators yet berate the consumer is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Incomm Holdings Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We received three Vanilla Visa Gift Cards for XXXX in XX/XX/XXXX for {$100.00} each. All three gift card 's were invalid. Two of them had the numbers scratched off and no balance, and the third while it had the full number listed there was also a no balance. However, we have three receipts showing each card should have had a {$100.00} balance. I opened a dispute case as Vanilla requested on XX/XX/XXXX Case ID XXXX. At that time I submitted the dispute explaining all of this and providing copies of all three gift cards front and back and the receipts. Finally in XX/XX/XXXX, I received a replacement card ending in XXXX in the amount of {$190.00}. However, I have yet to be able to obtain a third replacement card for the {$100.00} or a response from Vanilla.gift. Since XX/XX/XXXX, I have sent emails to XXXX. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX, to which they continue to dodge my request of sending a replacement card for the {$100.00} that was on the third gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone used my id in XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report found a {$15000.00} (!! ) ) bill from montery collections in XXXX. I sent a debt validation letter they sent back a letter stating " the defaulted account will continue to be reported accordingly '' it 's in dispute and on my credit!!! Copy letter attached. 

The computer printed generic contract does n't have my signature, just a printout. They did not validate the debt, nor answer all my questions asking for copy contract my signature, copy their bond and license number, copy papers showing I agree to pay, nothing. They are not licensed to collect debt in State of XXXX. 

They did not send a copy of the agreement showing they are authorized to collect debt on someone 's behalf, nor the name and address of the original creditor as requested. 

I am sending a XXXX letter, which is attached hereto., by registered mail. I am writing the attorney general of XXXX and of michigan as well as the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I go to check my. Report on XXXX and XXXX has a debt of XXXX on my XXXX report I have n't had XXXX in years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Daniels Norelli Scully & Cecere contacted my mother at her plce of employment and told her of my debt which she has nothing at all to do with. They threatened to garnish her pay and the said she was lying that she was really me. Then XXXX XXXX threatened to send the marshall to get me. hey took the money from a joint checking account that I have with my mother. They violated my rights under the fair credit act. They gave false information to the courts. I was making payments on this account. They never responded to any letters that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: National Bureau of Collections, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This was a number I 've had for 10+ years, and for a debt that is not mine. Nor do I have an association with the individual the caller is attempting to reach or the county that is referenced. 

The call was from XXXX, which a XXXX search identifies as owned by National Bureau of Collections in Oklahoma. The call was received on XX/XX/2016 at XXXX. 

Caller states the call is for a male named XXXX XXXX (? ). Caller identifies herself as XXXX XXXX. She states XXXX XXXX has an outstanding warrant in XXXX County and needs to contact her by XXXX.Caller directs XXXX XXXX to contact XXXX, extension XXXX. 

At no time did caller identify her company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a business account with Chase and since last year around XX/XX/2015 I have been getting charged service fees. Around the same time in XX/XX/2015 I closed a savings account with Chase and since then I am getting all sort of fees. I called once customer service and they explained to me that I was getting charged since I closed the savings with them and I explained that the rep who helped me to close the savings account at the local branch in XXXX and XXXX never advised me of the fees I was going to incur by closing this savings account. The agent was able to refund all the fees at that time and told me was going to place a note on the account to avoid future fees from the bank. I am still getting charged {$14.00} a month. I tried to get the fees refunded again by talking to the branch manager at the location in XXXX and XXXX but he refused and was really rude. I have also requested a new debit card because mine was about to expire and I got charged {$5.00} for a replacement card. This bank owes me XXXX monthly fees in the amount of {$14.00} and {$5.00} for the card replaced which nobody advised me of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$3200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN ODA XX/XX/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 2021-06-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have a Slate credit card from Chase. As a benefit, Chase gives me visibility of my XXXX credit score from XXXX each month. 
Issue I recently applied for a Chase auto loan. Per my credit report, Chase used the XXXX credit score in its loan decision. Providing me XXXX credit score but using a different credit score in the loan application process is deceptive. Why the disparity?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from TrueAccord, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named XXXX. XXXX appears to be either owned or associated with an online lender by the name of the XXXX ( XXXX ). Both entities appear to be managed by XXXX : XXXX references XXXX Tribal Complaint Hotline ; XXXX references the XXXX. According to TrueAccord, the loan in question was made to a person unknown to me, named XXXX, who used my credit details to obtain the loan. I am not sure if XXXX Tribal Councils are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.

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