BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a used vehicle from Audi in XXXX in Maryland, I financed it thru Audi Financial services. I moved to California in XX/XX/XXXX and since registered my car here, paid the vehicle sales tax and did everything CA requires. I paid off my vehicle in XX/XX/XXXX, it is XX/XX/XXXX and still no title. This is extremely time sensitive as I need to sell my car ASAP. I called Audi about this issue in XXXX, I was told they would investigate and call me back, they never did. I've since called Audi 3 times in XX/XX/XXXX and they continue to tell me the same issue- they don't know but will research and call me back. Every time I call for an update they tell me there still isn't one. 
They have confirmed I've paid it off. Last I spoke with them, they told me we could try a lien release form that I could take to CA DMV, they said it would be overnighted and two days later I've never received.

We are going on 10 months of no title since I paid off my car. This is fraud and my title is being withheld with no explanations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE A LOAN THROUGH CHASE AUTO I SENT IN A CEASE AND DESIST LETTER FOR PHONE CALLS DUE THEM CONSTANTLY CALLING 2-4 TIMES A DAY AFTER ACCOUNT BEING PD 5 DAYS PER THEIR POLICY AND CAUSING TROUBLE WITH MY JOB EVERY TIME THEY CALLED. AFTER THEY RECEIVED MY LETTER THEY MARKED MY ACCOUNT AS A " SPECIAL COLLECTIONS '' ACCOUNT WHICH DISABLED MY ABILITY TO MAKE PAYMENT THOUGH THEIR AUTOMATED SYSTEM AND OR ANY AGENT OTHER THAN THOSE HANDLING MY ACCOUNT WHICH IS A VERY LIMITED DEPARTMENT I USUALLY PAY MY ACCOUNT EVERY XXXX DAY OR SO DUE TO PAY PERIODS WHEN I ATTEMPTED TO MAKE PAYMENT THE AGENT REFUSED TO TAKE MY PAYMENT OVER THE PHONE AS HE CLAIMED I HAD TO ONLY SPEAK TO THIS FICTITIOUS DEPARTMENT MY ACCOUNT WAS PLACED UNDER I RECENTLY RAN MY CRDIT AN I AM SHOWING 2 30 DAY MARKINGS ON CREDIT DUE TO THEIR MARKINGS AND ACCOUNT RESTRICTIONS I DONT AGREE WITH REPORTING AS IF I HAD A REGULAR ACCOUNT LIKE A REGULAR CUSTOMER I WOULD HAVE BEEN ABLE TO MAKE PAYMENTS LIKE I ALWAYS DID NO ONE EVER NOTIFIED ME OF THIS SPECIAL COLLECTIONS DEPT AND NOR DID I GET NOTICES I HAD TO SPEAK TO LIVE AGENTS WITHIN THIS DEPARTMENT TO COMPLETE PAYMENT I WAS SET UP FOR FAILURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 45 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.

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 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX, an account holder with Bank of America, domiciled at the XXXX XXXX branch. 

Sometime in XXXX, I opened an account at the said location and subsequently ran my account remotely from XXXX until XXXX when I was logged out and unable to access the funds in my account, thereby denying me access to over {$2000.00} I had in the account. I immediately contacted the Bank with a view to resolving whatever issues they had but I was confronted with not very cooperative individuals who claimed that I couldnt verify my identity and as such my account would be closed. While I dont have any issues with the account closure, my concern is the refusal of BOA to release the funds in my account which belong to me. 

About a month ago, after all efforts to access our funds failed, we reached out to a notable organization, Better business bureau ( XXXX   ) to intervene and appeal to the Bank to engage me towards reaching an amicable resolution. To my utmost surprise, on XX/XX/XXXX, i received an email from a XXXX XXXX from the XXXX resolution department of BOA who acknowledged our inquiry and promised to address my concerns. She also left her direct phone number, asking me to call for any clarification. It is also very sad to note that XXXX after I received the email she has still not answered my calls, messages and emails on the subject. 

I reached out to BBB again complaining about the treatment I was getting from this particular individual and a few minutes later, the same XXXX XXXX responds to XXXX  claiming that she was going to send a physical letter to my attorneys address to respond to my inquiry. I have attached the response from XXXX XXXX which to me seemed very ridiculous because I had asked her to copy my attorney in one of my unreplied emails to her. Instead of addressing the inquiry which she promised to, she chose to send a letter to DC to inform my attorney that he wasnt an " authorised signer. 

What I find extremely ridiculous was the time she spared to respond to a non authorised signer but has not engaged the account owner once, even after the account holder/owner had expressly requested via email that she copies his attorney on correspondences. I do not reside in the XXXX, so it made sense for me to have a physical address/ contact which would facilitate any vetting process. 

It will be pertinent to mention that I have a banking background and I shudder at the deliberate attempt by your XXXX XXXX to seize and inconvenience customers without any feedback. To further demonstrate my willingness to settle amicably, I would request an immediate replacement of the case officer on this particular account to someone more efficient to allow for a quick resolution of this impasse.

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 2022-04-28
Company: M&T BANK CORPORATION
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
M & T Bank did not provide us with an itemized breakdown or disclosed attorney fees in the final loan modification. 

We have been working with our lender M & T Bank with assistance from HUD, to modify our loan due to covid, as we had initially applied for a forbearance. 

When we received the loan modification documents, on XX/XX/2022, we were expected to return them by XX/XX/2022, 10 days. We reached out to our HUD counselor, XXXX, who has been an angel, to help us understand the loan modification, as well as be on the call with us to M & T Bank, today, XX/XX/2022. 

We spoke with XXXX who identified herself as a member of the Single Point of Contact loan modification team with M & T Bank. 

We explained that in the loan modification documents M & T Bank stated : " HUD will advance payments you are behind plus attorney fees in the amount of {$35000.00}, plus the above contribution will bring the account current. '' However, in the above contribution estimated costs there are no fees listed. The document goes on to state : I have enclosed an interest free subordinate note and a subordinate mortgage to HUD for the monthly payments, attorney fees and principal balance reduction in the amount of {$41000.00} for a total of {$76000.00}. 

There was not a breakdown of other fees or attorney fees included anywhere in the loan modification documents. When we asked for a detailed breakdown list of all of the fees. XXXX asked us if we were accepting or refusing the loan modification. We said we wanted a detailed list of all the fees the M & T Bank was charging as they were not listed in the loan modification documents, and we asked for an extension date to return the documents. It wasn't until XXXX, our HUD counselor, said that we have the right by law to know what these fees are, that she ( " XXXX '' ) offered an " escalation '' to allow us an extension of 7 days ( to XX/XX/2022 ), and that M & T Bank would get back to us. 

If you require more information, we can send you the entire loan modification packet. 

Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This email is regarding my XXXX XXXX XXXX  XXXX XXXX card. I have been using this card for several years and I am very punctual in my payments always. But this year they have been so rude and greedy to earn money through charging late fee and finance charges for ridiculously no reason. First of all, I always pay my full account balance on time or when they send me a postal letter or email reminder for a due date, but I always tried to pay before that and never get any charges, late payments ever. But this year, I shopped and when I logged on on my own without any notification of the due date, I don't see any late charges or finance charge, so I paid in full which is {$10.00} and some cents. Then again after a week or 2, I shopped for some cents and within a few days they send me late due date charge through email which surprised me, then I logged in to pay, and here 's how they are making money this year, I saw a few late charges and finance charges on my account which made me so mad. I called their customer service and the lady said she can only waive one late payment. This is so ridiculous, till last year, they always send paper reminders and emails as well. I understand for going paperless, but how about email reminder? and all of a sudden they charge more than 2-3 late charges. What the heck? I want my account clear of every single penny, since I paid, they charge me for that payment twice, coz of one day late payment, which I never get any reminder and for XXXX XXXX  sake, its only one day late. Then they kept on charging late payment on a late payment due, what's wrong with these guys? and on top of that, they are charging finance charges also. A big WOW. I can not take this anymore, Waive all my charged and I will make sure never ever shop with this card, or shop at XXXX XXXX anymore. This is insane, and cheap tactics to make more money. I am writing this to the XXXX   XXXX XXXX as well. I send this kind of email to comenity bank customer service as well a couple of weeks ago about this issue and guess what, they don't even bother to reply even one word back to me. I want all my charges cleared up, and I will be closing my card and stop shopping with XXXX XXXX from now on. I am a straight walking person, I cleared all my accounts in a timely manner, this is ridiculously pathetic money earning tactic for charging money and overcharging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number- XXXX Account name : XXXX XXXX  Account number- XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX  Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXX  XXXX XXXX Account number- XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number- XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.

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 2021-11-05
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a hardship as a result of covid XXXX. I have a loanm owned by XXXX XXXX and serviced by Loandepot. Loan depot refuses to offer and deferment plan. I called on XX/XX/21 and requested a cares act covid hardship deferal. I was told loandepot is not offering any deferments. I believe this is in violation of the cares act. 

Loan Depot Account # XXXX XXXX XXXX Mortgage address - XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a balance transfer amount remaining that was coming due on XX/XX/XXXX. Chase does not offer an option on their website to allocate a payment to a particular purchase with an outstanding balance. I called the company on XX/XX/XXXX and spoke to a payment representative and asked if I could allocate a payment directly to the remaining balance of the balance transfer in order to avoid interest payments or fees on that balance transfer. The payment representative told me yes, she could accept a phone payment and allocate the payment directly to the remaining balance transfer amount. I then gave her my banking information and she transferred the funds and told me the payment would be allocated to the balance transfer amount. I received my XXXX statement, and the payment I had made had not been applied to the balance transfer amount. Instead, Chase applied the payment to the balance with the highest interest rate. Therefore, I was then charged interest on the remaining balance transfer amount. I called Chase on XX/XX/XXXX ( today ) and spoke with 3 different representatives that told me that I was misinformed. Chase payments above the minimum balance are always applied to the balance with the highest interest. Since the balance transfer amount at the time of the payment I made on XX/XX/XXXX was still a 0 % balance, the balance was applied to my highest balance. The last representative I spoke with today, XX/XX/XXXX, did agree to credit me for the interest I was charged on the remaining balance transfer amount, but she said she could not correct my account to allocate the payment I made by phone on XX/XX/XXXX to fully pay off the balance transfer amount because that was not their policy. Essentially, under their policy, I have no rights on where I want my payments to be allocated in order to avoid interest fees or charges. If I had known and understood their policy, I would not have continued to use their credit card until my balance transfer had been paid in full. Under their policy, no one that continues to use their credit card, will ever be able to pay off a balance transfer amount if they continue to use the card to purchase items because the highest amount of any payment during the promotional period will always be applied to the balance with the highest interest, which is not the promotional balance since that balance is 0 % during the promotional period. I STRONGLY feel this is fraudulant practice on the side of this card, and if this sadly does not meet the legal definition of fraud by a credit card company, this is absolutely bad and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: GA
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:
From XXXX to XXXX of 2022, i filed a dispute XXXX and Equifax about the Unverified account XXXX  outsourcing account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I went into my local branch of Bank of America to order temperature checks temporary checks. The three checks that I had I have used up what's up obviously since I am requesting more what's up I don't often write checks but sometimes they are necessary. Bank of America told me it would take two weeks to get me checks which is totally not acceptable. I am sitting here in the lobby and they are giving me death stares. 

The customer service here are alternating between giving me death stares talking about me in Spanish and overall being completely rude. I am XXXX years old and also have a really bad case of the flu which I don't mind sharing with them. After all why should I be the only one suffering. In any event Bank of America are giving me the Mean Girls nasty treatment. They are making me wait in the lobby while they serve other customers because apparently asking for a temporary check is something really at Bank of America.. I also suspect the refusal of service as got to do with the fact that I'm XXXX years old and I'm sicker than a dog. This is why I really wish I could make my day shorter and go back to bed but I can't.

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 2021-02-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I've sent Chase a default and opportunity to cure which they have 10 days to respond after the receipt of delivery. Chase has not rebutted any of my affidavits that has been sent to them by mail via USPS certified mail. Chase has violated federal laws Truth in ending as well as Fair Debt Collection Act. 

Fact, Pursuant to 15 USC 1692a ( 6 ) states some who regularly collects debt. In my case the debt is alleged. Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; Chase stated and invoice me stating I owe a debt after using my credit card.

Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. Logos and language used throughout the content sent to me.

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1602 ( p ) unauthorized use of card. My social security card has been authorized for chase to use by me the consumer. What makes it an unauthorized use is because I'm not benefitting from the consumer credit transaction I authorized with Chase bank. Proof of unauthorized use is shown in exhibits and labeled.

I hold Chase criminally liable for their actions 15 USC 1611 ( 1 ). 

Please do not disregard this serious matter because further actions will be taken after the 10 days after Chase receives notice in the mail.

Company response to consumer: Closed with explanation