BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: Consumer Portfolio Services, Inc.
State: KY
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 purchased XXXX XXXX XXXX in XXXX of XXXX, first payment due XX/XX/XXXX. The loan I got was a fresh start loan after a bankruptcy that had not been finalized yet. My old car a XXXX XXXX transmission was going out. I got the loan at 18.45 % interest. I lost my job in XX/XX/XXXX and was a victim of XXXX XXXX and relocated to XXXX, KY in XX/XX/XXXX. I have been unable to find a job other than XXXX at XXXX per hour. I am XXXX XXXX XXXX. I have had problems with making that {$400.00} per month payment. In XXXX of XXXX I was diagnosed with severe XXXX of my XXXX and the XXXX XXXX recommended XXXX. I waited another year and worked in XXXX  XXXX  every day to try to keep this car payment up to date. I did get behind 3 months and worked hard approximately XXXX hours per week. In XXXX of XXXX I had to take a leave of absence the rtindoctor stated my XXXX was grinding XXXX to XXXX and I had to have XXXX to have a total right XXXX XXXX. I did have XXXX XX/XX/XXXX. I notified Consumer Portfolio Services that I needed XXXX and I would be off several weeks recuperating and that I would not be able to make my payments on time and did they have a hardship program. I was told no. When I bought the car I questioned the high rate of interest, the finance manager at XXXX XXXX in XXXX XXXX in Kentucky told me that I could get the car refinanced to lower my payments and interest in a couple of years. I believed this. So in XXXX I tried XXXX XXXX XXXX and was turned down since my loan to value was too high. My car then was valued at around XXXX and the loan pay off was still XXXX The car purchase loan amount was for XXXX. So after almost 2 years my balance had only gone down approximately XXXX. So I went back to XXXX XXXX in XXXX XXXX in XXXX of XXXX and asked them to please get me into a different car with lower payments. They told me they could not put me in a different car due to the same reason XXXX XXXX had denied me. So now that I am behind XXXX, XXXX, and XXXX payments they are threatening repossession. I know this may not help me with this situation but I hope others can be warned about XXXX XXXX in XXXX XXXX and their unfair lending practices and Consumer Porfolio Services out of XXXX California, my payments go to XXXX Arizona and the call about repossession came from XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One Auto Finance has been requested to provide an affidavit to confirm they are still in possession of the original promissory note and that it was not used as value to a check. Also, that the loan was funded by Capital One 's money, capital funds, or money equivalents to pay for the auto loan issued to me. 

I am asking for full disclosure and transparency, which I am fully entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
I have a hard inquires and a chapter XXXX bankruptcy on my credit report that i did authorize. this is a violation of my privacy under the FCRA and FDCPA and has caused me stress due the denial of credit need for personal and household purposes.

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 2020-06-25
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notification from The Home Depot that my credit line had decreased from {$4000.00} down to {$500.00} due to a review of my account. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and Home Depot/Citi Bank has not been willing to resolve this matter in a manner that is fair to the customer.

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 2018-06-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Last year I purchased exercise equipment from Sears. The salesman told me that I would get 6 month of interest free if I applied for a Sears credit card and used it for the purchase, so I did. I paid the credit card off in full within six months but I was still charged interest. This year I purchased tools from Sears and the Salesman said I could get the same offer ( 6 months interest free ) if I used my Sears credit card. Both purchases met the dollar requirement to receive this offer. I am currently being charged 26.74 % interest on the tools I purchased. I called the number on my statement ( XXXX ) and spoke with a Citi Bank Mastercard representative. She told me that they don't have that promotion and there was nothing she could do. I would consider this a UDAAP violation.

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 2018-06-08
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've made several attempts to resolve a medical debt on my credit report that was opened on XX/XX/2018 by COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$780.00} which is clearly incorrect and an error that's lowering my credit score is creditor that's threatening me about taking action. They undermine me and  bully with scare tactics they scream over the phone refuse to give me the name and address of the original creditor. I was eventually able to find out what the original creditors name was which is XXXX XXXX XXXX i contacted them and they had no information whatsoever about a medical debt i currently owe or was sold to another creditor agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attend a school by the name of XXXX XXXX XXXX XXXX in XXXX XXXX FL in XX/XX/XXXX right before graduating the school dropped many of us who had perfect attendance and good grades requested us to go to a office I didnt think nothing of it because the dean said it was something the loan company asked them to do so they made us all write on paper. Our current situations to pay an additional payment after being dropped for no reason that it was just encase if the loan company needed it or we couldnt attend school anymore so I wrote one it was a sloppy note because I was upset at getting dropped with good grades and coming to school everyday later after graduation I got a extra bill that I owed and additional {$6000.00} to pay separately not including my student loan with XXXX XXXX my first payment was extremely high than I ever had from any of my past loan. 

Something around {$170.00} a month I stayed in contact begging and pleading to please lower my payments as I had not found work in my field for 2 yrs of searching my diploma was no good to me which in return me and my kids were evicted and had to live on the streets as time went by I would call again to ask for a forbearance or something 2yrs I sent out XXXX resumes a month and was told my diploma with XXXX XXXX XXXX XXXX was not valid. 

I and my children had to relocate because we couldnt even get house for low income because of the daily posting on my credit from XXXX XXXX Navient it is XX/XX/XXXX and Im steal struggling with these people to get them removed and loan dismissed all together I am XXXX XXXX XXXX and feel the choice I made to start a new Career back in XXXX was the biggest mistake I could have done my children are affected Im affected emotionally our grandparents past way and we couldnt see them because of the forced relocation of a better life we lost our valuables when we were evicted nothing but the clothes on our backs. 

Thank you for taking the time to investigate theses people because they dont realize what they have done to a lot of people or how they displaced many looking for their dream of being XXXX XXXX XXXX that was never any good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had opened a new TD bank Beyond Checking and Preferred Savings account online under a promotional offer of {$500.00} ( {$300.00} for Checking and {$200.00} for Savings ) .The account was opened on XXXX XX/XX/2019 and I have fulfilled all the requirements to receive the bonus amount. As per their disclosures I should have received the bonus within 90 days of fulfilling the requirements. Its been way more than 120 days that but I have not received the money yet. 
I have spoken to the customer care and send them several emails but seems they are reluctant to pay the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: JPMORGAN CHASE & CO.
State: CA
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 rewards from credit card

Complaint:
We built up our reward points with our Chase Visa card and used our points to purchase an airline ticket for our daughter, who lives in XXXX, XXXX. The value of the roundtrip ticket was {$840.00} or XXXX points. The flight was booked through Chase Rewards Travel on XXXX XXXX for XXXX to XXXX XXXX with a travel date of XX/XX/XXXX. Two weeks before the flight the U.S. implemented travel restrictions due to Covid 19, resulting in the flight being cancelled by XXXX XXXX. 

Between the time we booked the travel and the actual travel date, Chase Bank cancelled our checking, savings, and credit card. We received a letter in the mail from Chase Bank that gave no reason for the cancelling of our accounts. When I called and talked to a supervisor, I was told they couldn't release that information. A couple of months after the flight was cancelled I began to call the Travel Rewards department to get our refund. I explained we no longer had an account because Chase cancelled our accounts. Despite explaining this to them, on XX/XX/XXXX they attempted to credit the XXXX points back to an account that was closed. I received a letter from Chase Bank explaining the refund didn't go through, but the other option was to send us a refund check. 

I called Chase Travel Rewards later in XX/XX/XXXX to ask them to send a refund check. They updated our address and confirmed they had received a credit back from XXXX XXXX and that they would send a refund check of {$840.00}. I received an email on XX/XX/XXXX confirming our address had been updated and a check request had been submitted. The letter stated the timeframe would be 6-8 weeks with an additional 1-2 weeks due to the new year. 

By XX/XX/XXXX I had not received the refund check so I again spent hours on the phone with Chase Travel Rewards. After 3 hours on the phone, a supervisor apologized for the situation and expedited another refund check request. On XX/XX/XXXX I received another email confirming a refund check had been submitted and it would take 8-10 weeks to process. By XXXX I had not received the refund check. 

On XXXX, after hours on the phone with Chase Travel Rewards, I spoke to a supervisor who apologized for the situation and said she was sending a note to the offline team who processes the check. I was told I would hear from them within 5 business days. I did receive an email from the offline team saying they were too busy to help me and that I should call customer service.

I believe Chase Bank intends to send us our refund check, but for some reason they have been unable to deal with processing the check. I intend to take Chase Bank to arbitration or small claims court if I can not get this resolved in the next 4 weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: EQUIFAX, INC.
State: MT
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 keep getting the same response, but, yet they have never been able to verify that this was a legitimate joint account! This is abuse, I have asked that this be completely removed from my report since there is no proof that this was my account. They have not provided anything with my signature on it or any other documents of any kind. 
Now when is XXXX  going to be held liable for reporting false information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Okay I waited over a month to get a refund back from XXXX and I contacted them and they already send the refund back to Klarna and Im still showing that I owe XXXX but I return the computer back end of XXXX and I never got a email from Klarna or them saying they resolved my issues the order number is # XXXX I send them the tracking numbers and credit receipts but Im still being charged for this laptop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I ASKED THAT CHASE CREDIT CARD CANCEL A PENDING PAYMENT WHICH I MADE ON XX/XX/2021. I SENT THEM THE MESSAGE IMMEDIATELY ON XX/XX/2021 TO CANCEL THE PAYMENT OF {$200.00} WHICH WAS STILL ON " PENDING '' MODE. CHASE DID NOT ALLOW ME TO CANCEL THE {$200.00} PAYMENT MADE ON XX/XX/2021, AND IT IS UNCLEAR WHY, AS IT APPEARS THEY HOLD THEIR CUSTOMER 'S PAYMENTS HOSTAGE, AND ONE CAN NOT CHANGE THEIR MIND ABOUT MAKING A PAYMENT ON AN ACCOUNT WHICH IS UPDATE TO DATE. 

I ADVISED CHASE THAT I HAD ADVISED MY BANK ACCORDINGLY, AS CHASE DID NOT WANT TO REVERSE THE {$200.00} WHICH AS STATED, WAS ON PENDING MODE. 

I ASKED THAT THEY REFUND ANY OVERDRAWN FEES. I WAS ADVISED PER THEIR MESSAGE BELOW : " Thank you for the update. Since you have requested a stop pay with your bank on the {$200.00} payment, we will cancel the refund request to prevent a duplicate debit. 

We apologize for the the inconvenience you have experienced. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Payment Research Specialist XXXX '' BUT RATHER THAN SIMPLY REQUESTING A CANCELLATION OF THE REFUND TO PREVENT A DUPLICATE DEBIT, CHASE PROCEEDED TO CHARGE ME {$70.00} IN RETURNED CHECK FEES, FOR 1 ) A STOP PAYMENT ON {$200.00} WHICH THEY AGREED TO HANDLE AND LATER DID NOT IN ORDER TO " AVOID DUPLICATE DEBIT, '' AND 2 ) CHASE CHARGED ME A STOP PAY FEE ON A PREVIOUS PAYMENT OF {$480.00} WHICH HAD ALREADY CLEARED MY XXXX XXXX ACCOUNT, AND HAD POSTED OT MY CREDIT CARD AS A PAYMENT ON XX/XX/202,. AND SHOULD HAVE NEVER, EVER BEEN STOPPED. 

IN SHORT, CHASE, A MULTI BILLION DOLLAR CORPORATION IS ENRICHING ITSELF WITH {$70.00} IN FEES, ON STOP PAYMENTS TEHY ASSURED ME WOULD BE HANDLED SINCE MY CHECK WAS IN A " PENDING '' STATUS, AND I SHOULD HAVE THE AUTHORITY TO CANCEL PAYMENTS MADE, WHILE STILL ON " PENDING '' STATUS. 

THIS IS ANOTHER EXAMPLE OF ABUSIVE, SHARK LENDING AND PREDATORY PRACTICES FROM THESE CORPORATE XXXX DOLLAR COMPANIES WHO ARE SUBSIDIZED IN LARGE PART BY OUR TAXES. 

THANK YOU.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: HI
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:
There are many mistakes appear in my report without my understanding.

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 2018-02-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX my JP Morgan Chase Bank XXXX account was hacked and {$2000.00} was wire transferred to a XXXX XXXX XXXX of XXXX PA in a XXXX XXXX Bank account. This transaction was followed by another wire transfer from my account for an additional {$10000.00}. When I checked my account on the XXXX of XXXX I was blocked and immediately drove to my Chase branch in XXXX WA where I discovered that my account had been compromised. At no time did Chase alert me of this transaction via email, phone or text. They didn't put a customary hold on the funds to verify the legitimacy of the wires. They did accuse me of " benefitting from the funds '' and denied my claim. They said I must have given control of my computer to a third party and provided my account information, pins, etc. I was incredulous. I have never wired from this account. I have never given my information to a third party. I have only let XXXX XXXX support take control of my computer, I witnessed what they did. After this incident I purchased XXXX XXXX 's security system and watched them install new software to further protect me. According to the FDIC Electronic Funds Transfer Act of XXXX, Chase Bank should be responsible for the protection of my deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: MT
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 keep getting the same response, but, yet they have never been able to verify that this was a legitimate joint account! This is abuse, I have asked that this be completely removed from my report since there is no proof that this was my account. They have not provided anything with my signature on it or any other documents of any kind. 
Now when is Experian going to be held liable for reporting false 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