BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have the Chase Sapphire Reserve credit card, and one of the benefit of this card is trip delay reimbursement for up to {$500.00} per passenger for trips paid by the XXXX card. 

On XX/XX/XXXX, my husband and I were supposed to board a plane from XXXX to XXXX, XXXX, but the flight was delayed to the next day. This delay forced us to book last minute accommodations in XXXX on a Friday night, incurring {$860.00} USD. 

I immediately filed a trip delay reimbursement claim on XX/XX/XXXX through eclaimsline.com, the third party vendor that Chase uses. On XX/XX/XXXX, I was told that the documentations I had submitted were all accepted, and that my claim was in the final stages of being approved and paid out. 

However, it is now XX/XX/XXXX, and I have not received my payout. I called eclaimsline.com on XX/XX/XXXX to request a status update. The representative said she would schedule a claims adjuster to call me directly. By XX/XX/XXXX, I have not received any calls and so I called XXXX back. This time, the representative said he was scheduling a call from the claims adjuster for XX/XX/XXXX, but also stated that " due to high claim volume, the adjuster will most likely not call on XX/XX/XXXX. '' I expect that I will have to call XXXX again next week to inquire about my case status. 

The annual fee for the Chase Sapphire Reserve is {$550.00}. The reason I have been willing to pay such a high fee was because of the card 's travel benefits, like the trip delay reimbursement, and the customer service that comes along with the benefits. However, I have not received any of the benefits or customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-27
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I just received a letter in the mail threatening reposession if I did not make a payment within 13 days of the date of the letter. The letter was dated XX/XX/2020. I did not receive that letter until XX/XX/2020. I can verify this with informmed delivery through USPS. 

I have been trying my best to get back on track with this loan. I have been making at least one payment a month, but that is not helping my past due balance. I communicate mostly through email due to a an auditory processing disorder. I can show email after email of me begging for assistance without any reply. I had been out of work due to covid and then had my wallet stolen and my accounts drained. During this time I was still making at least 1 payment per month in XXXX, XXXX, XXXX. I am able to maintain regular payments at this point but I can not clear the large amount past due. I've asked that it be tacked to the end of the loan, no response, I asked that the amount be divided up and added to my monthly payment, with no response. 

I told the company that if I couldn't work something out I'd have to file bankruptcy and it seems they immediately sent the demand letter after that. 

This is my only vehicle. I'm just trying to save it and keep driving.

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 2020-12-27
Company: R & B Corporation of Virginia
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE ATTEMPTED TO CONTACT THIS COMPANY MANY TIMES, BECAUSE THE ORIGINATOR OF THE BILL, HAS WRITTEN IT OFF, BECAUSE ITS A MEDICAL BILL THE HOSPITAL HAS A FINANCIAL AIDE SERVICE FOR CASES LIKE THIS., THE COMPANY/HOSPITAL OFFERED, FINANCIAL ASSISTANCE AND I ACCEPTED TO CLOSE THIS ACCOUNT BUT THE COLLECTION DEPT KEEPS CALLING ME WHEN I FOUND OUT THAT THE CREDIT CONTROL COMPANY IS SUPPOSE TO WRITE MOST OI AS WELL AS THE OTHER COMPANY. THE SAME IS TRUE WITH XXXX XXXX  OF XXXX NC. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
On or about XXXX i called in and requested the company review my current loan to value and eliminate PMI from my loan. I have made over XXXX in XXXX to the home and the value has gone up greatly. I was told they would review it and get back to me. I received a letter asking for the request to be in writing. They asked that I include the XXXX that have been made, cost of XXXX, and the dates ( although any improvement is obviously since i purchased the property ) and a check for {$190.00} for the XXXX. I wrote a letter that same day providing the work done, cost, and the date of the remodel. All work was done by a licensed XXXX. I followed up on the letter by phone and they asked me to resubmit the work details to include specific dates for each item ( start/ end date ) in a specific format that is a spreadsheet or they will not consider the request. Again the request must be in writing, certified letter, online or fax not allowed. I spoke with them again and tried to escalate and was put on death hold. I contacted them to day and they have again refused to visit my request. 

This is not only costing me money from them every month, but it is delaying a new roof and solar panels I have planned. The company i plan on using to finance the panels and roof will not go behind a loan with PMI. This is costing me about XXXX a month. I have worked with this company prior and have never had an issue. They are stating the " investor '' sets the requirements for what they need to see in order to initiate a PMI removal. I tried to explain that their company policy does not supersede Federal Law, but I dont think they care. I am familiar with the law and they have not sent out any of the required PMI disclosures either. I also note that a number of the other disclosures were missing information. I have not received any notice that my request was approved or denied in the required time frame as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
About 1 month ago I visited my TD Bank branch in XXXX, NJ to close my account. I was told it could only be done if the balance was XXXX. I withdrew all my money to bring the account to zero. Then I was told that there was a transaction pending and they could not close the account. Then I noticed the transaction went through with an added {$35.00} overdraft fee. I paid the amount to being the account to zero, but the account still was not closed. Other charges came through, each with the added overdraft fees. Im traveling, so I made a transfer from my new account with another bank and my husband went to the branch in person to pay any additional charges and close the account. They promised the account would be closed within 24 hrs. Today I checked and the account is not only not closed but Im again overdrawn nearly {$800.00}. I cant get rid of the account and they keep legally extorting fees from me. I dont know what else to do. Im trying to organize payments from the new account, but I cant afford double payments nor to continue to pay TD for a situation they created and are profiting from. I consider these new charges to an account that should have been closed to be unauthorized and fraudulent. Can you please help to get the account closed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
COMMONWEALTH FINANCIAL contacts me all the time, at work, on my cell, via postal mail & ive told them to stop contacting me. Ive also filed disputes with all the credit bureaus to remove this medical collection as it violates my privacy per the HIPAA ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: TX
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:
A validation letter was sent to the collection companies in dispute. According to FCRA guidelines, after 30 days of no response from a collections company from requesting validation, an immediate deletion would be in order, a letter requesting that deletion was sent to the bureaus and they have yet to act accordingly. As per FCRA guidelines they are now in direct violation of those guidelines and thus the reason for my 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 2021-05-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complain against BMO Harris Bank. I had a home mortgage with BMO Harris Bank that was paid off and closed in XXXX XXXX. I had a left over escrow money for about {$900.00} XXXX a little over {$900.00} ) after the payoff that was supposed to be refunded to me. They initially sent a check to a wrong address and the check was returned back to them. Since then I am unable to get my money from them. I have made neumorus phone calls to the back asking for money since XX/XX/2018 and still did not get it. Every time I called, I was told that they will mail me a form that needs to be notorized and sent back to them so that they can re-issue the check, but they never send the form. I have called them repeatedly in the last 2.5 years trying to get my money and they would not give it to me. So now I am filing this complaint against the bank so that I can get my money back. 
It has been two and a half years of repeatedly calling the bank and requesting my money, but they would not give it me. 
This bank has a very poor customer service. Rude and helpless representatives. Very long call wait time ( more than 30 minutes ) with no option for recieving a call back. Their mobile app doesn't work properly and most of it's functions do not function. 
It has been a long 2.5 years with them trying to get a hold of my money and still unable to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have asked Bank of America to close my savings account. This request was refused. As a result, I am being charge monthly fees. 

I have, at the same time, requested Bank of America to update my name on all of my accounts. This request was refused. 

I found this situation unacceptable. 

I went to a branch with all the necessary documentation. 

The branch is Bank of America, 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 monetary relief
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was reviewing my TransUnion report and noticed that multiple phone numbers were incorrect, a nickname was listed for me with a different last name, and the name of my current employer is incorrect. 

My current Employers name is spelled wrong and they are still listing my first job from 7 years ago as my employment. 

In addition, in XX/XX/XXXX, my identity was stolen. My social security number, name, and debit card were used by XXXX XXXX to open an account for someone. One of the phone numbers with the ( XX/XX/XXXX ) area code are listed as being my phone number. 

That is incorrect and despite reporting this to TransUnion, they have evidence confirming this is a phone number of mine. That is simply not the case. I have had the same phone number for 15 years. 

I would really my phone number and employer information corrected. I would also like my nickname to be removed because it is incorrect. 

I am happy to provide any evidence.

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 2018-10-17
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with credit bureaus but still shows wrong information.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 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 Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-07-07
Company: EQUIFAX, INC.
State: NJ
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: EQUIFAX, 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:
My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently disputed addresses, wrong phone numbers, different variations of my name and they still continue to keep incorrect information. There should only be one phone number, a po box , and one way my name should be ONLY my mother and I have the same name as I have expressed so it is very important to have this correct! Also was told for about 8 months that I had no address on file so I couldnt obtain a copy of my credit report even after calling every month and being told it would be fixed with in 24/48 hours, I couldnt obtain credit report on the Experian app or on the website nor would they send me a copy! How am I suppose to make sure I have a fair and 100 % accurate account if I am unable to view tiny own information?

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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with 3 bureaus but still shows wrong information.

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 2021-04-05
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against One Main located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, One Main has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: OH
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:
RE : CARE ACT Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 My name is XXXX XXXX I am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX ( XXXX LATE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX LATE XXXX XXXX XXXX XXXXXXXXXXXX XXXX LATE XXXX XX/XX/XXXX ) XXXX XXXX ( LATE XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX ( XXXX 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