BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: JPMORGAN CHASE & CO.
State: PA
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:
CHASE WELCOME BONUS OF XXXX POINTS ( DETAILS ATTACEED ) LETTER SENT TO CHASE AND RESPONSE EMAIL TRAIL ALSO ATTACHED Dear sirs I applied for the Chase XXXX card and was approved late XXXX XXXX This card came with a XXXX point welcome bonus with a minimum spend requirement within 3 months. This was the only reason that I applied for this card. Because of significant mail delays at that time ( acknowledged by Chase in the accompanying email stream ) I received the card only on XXXX XXXX XXXX. I was also advised that I will be receiving a more secure card which can be tapped instead of inserting or swiping. I was also waiting for this card which arrived in XXXX XXXX. I made my first purchase on XX/XX/XXXX and my last purchase was on XXXX XXXX XXXX I fulfilled all the requirements by spending {$3000.00} within 3 months. As seen from the attached email stream, Chase refers to a fictitious end date of XX/XX/XXXX. I have repeatedly pointed out to them that I can not use the card till I physically receive the cards ( tap and non-tap ). The email stream will show how our correspondence was like two ships passing in the middle of the night without seeing each other. There is acknowledgment that there were mail delays at that time which made me receive my card on XXXX XXXX XXXX It is also very evident that I met the spend requirements within 3 months. I have attached the necessary proof to show this. Yet the Chase response has been in the form of canned correspondence. I am sending this email to you because of the lack of understanding of the Chase team responsible for addressing this issue. 

Please help me to resolve this issue. I have closed my Chase money market and checking accounts till this issue is resolved Yours truly XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: BB&T CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Working with XXXX XXXX XXXX on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2015. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX  and XXXX are still showing this account of report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX I had an unexptected job loss. Lending Club said they can do a 3 month hardship plan. I only had to pay {$120.00} for XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I was out of money due to unemployment running out. In XX/XX/XXXX, my unemployment came in 1 day later than the due date. When I went to make the payment, Lending Club said that I was in collections and I had to make up the 3 months of payments ( approximately {$1000.00} ). I did not have a job yet. I finally got a job XX/XX/XXXX, but my first paycheck was in XX/XX/XXXX. Lending club did n't disclose to me that I would have to make up the 3 months of payments when the hardship ended. I was given different information from different representatives. They reported a 90-day late on my credit. I made small payments and ensured them that I would catch up the payments. I have since paid them off ( XX/XX/XXXX ), but I am having trouble with potential employers because of my credit score due to the 90-day reporting. All I ask is that they remove the 90-day reporting because I was cooperating with the little money I had and I was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was working as a XXXX Employee, and I'm doing Public Interest Loan Forgiveness. My job was ending, and I know there would be a gap in employment. I called the servicer to see what my options were and I was told the only option was a forbearance. I had the ability to make payments but in a lesser amount. I began a job working for the XXXX at a lower salary ( substantially ). I notified the servicer that I wanted to be taken off forbearance and to make payments. I submitted a pay stub, and was told I needed to redo and IDR application, which I did. I keep getting contradictory information. I had previously submitted documentation that they lost. So now I am uploading to the portal. 

In hindsight, I think I should have been offered a 0 percent payment since I was not working. The customer service people keep telling me contradictory things. I was also told that the amount is based on gross income not adjusted gross income which is a big deal. I have several mandatory deductions as a XXXX worker that dramatically reduce my AGI. 

I would like to know how long the servicer has to review the applications. Every time I call there seems to be a pattern of blaming the consumer, instead of reviewing the applications. I think this is purposeful especially when you need to repeatedly send in the same documents. I am going to send in a payment but I started this process over three months ago and they are continuing to kick the can. If my payments are not on time I am not getting credit for the payments toward my PSLF. Do I get the same benefit when the servicer, loses my paperwork, gives me false and misleading information and then blames me when they can't process the paperwork. What laws govern how long they have to review these documents. 

My goal is an affordable payment based on income, and I don't want interest capitalized because they are giving people ( myself included ) the wrong information. Who services these loans? Is it a private entity do they have shareholders? Are my tax dollars subsidizing this outfit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: BMW Financial Services NA, LLC
State: NH
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:
XX/XX/XXXX BMW Financial Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter XXXX bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of XXXX & XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of XX/XX/XXXX. ( XXXX ), XXXX. XXXX XXXX ( codified as amended at 11 U.S.C. 523 ( XX/XX/XXXX ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter XXXX bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions 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 am submitting this complaint about experian credit reporting agency and XXXX credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX   finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and XXXX and experian are still not deleting it off my credit report.

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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-09-15
Company: EQUIFAX, 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:
These are accounts are incomplete and can not be verified on Equifax, please delete. 

# XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: American Credit Acceptance, LLC
State: MD
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:
Incorrect information was found on my consumer report. I then sent a 1692g request to American Credit Acceptance. The company received the request on XX/XX/2018, at XXXX XXXX. The company failed to reply to the 1692g request and continues to report inaccurate information to the consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called by a XXXX XXXX @ XXXX. HE said he was saying he was from XXXX XXXX XXXX. he said that I have an outstanding balance of a little over {$500.00} from an hsbc credit card. He said I stopped making payments on the card in XX/XX/2013. I asked him if he could please email or mail me some documentation showing this balance and when it was from. He went on to say that I have dodging calls and they have sent me info in the mail. He started rattling off the other addresses I have lived at. 
I told him I need some documentation cause this sounds like a scam. He said that I racked up credit card bills and now I don't want to pay. This went on for a few minutes and I started to get mad. I advised I am not dodging any past bill but I am not going to pay something over the phone with out some documentation. He was very rude and said I was not ever planning to pay. I told him I was to speak to his manager. He said he was the manager there. I then told him to transfer me to hsbc so I get more info from them. He would not do so. I told him to not call me or my family again. 
He has also called members of my family that there is an urgent matter and that I need to call him. 
I checked XXXX  and there is not any warning of an old debt. 
I called hsbc and they are not showing anything also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Chase Auto Finance XXXX on XX/XX/. A consumer credit transaction in which a Finance Charge was involved. 15 USC 1605 defines the Finance Charge as the sum of all charges in a consumer credit transaction. The Finance Charge does not include cash, but Chase Auto Finance Corp took cash. the Finance Charge is suppose to include insurance, but Chase Auto Finance Corp made me purchase insurance separately. Chase Auto Finance Corp knowingly broke three Federal Protected Consumer Rights Laws Under 15 USC 1601 and is Liable and Civilally responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I applied for the Citi Account Package, which offered a {$400.00} bonus for making a deposit of {$15000.00} within 30 days of account opening and maintaining that amount for 60 consecutive days. 
In XX/XX/XXXX, I faxed documents to Citi for tax and indentification purposes. 
On XX/XX/XXXX, I realized I haven't received anything from them and called customer support. They said that either they didn't send out the card and the PIN number, or it was lost in delivery. They promised me that they would expedite the delivery and this would not affect my promotion. The agent specifically said that I have another 30 days to deposit the {$15000.00}. 
On XX/XX/XXXX, the card arrived. On XX/XX/XXXX, the PIN number arrived. 
After receiving the card and the PIN, I had problems with activating the accounts, because their system restricted me from adding a bank account after having a Citi credit card. And after 3 trials, I had to wait 24 hours before the next activation. 
On XX/XX/XXXX, I went to the branch and talked to a banker, who said there was nothing they could do. 
On XX/XX/XXXX, I finally succeeded and started to schedule ACH transfer from my bank account of another bank. 
On XX/XX/XXXX, {$15000.00} arrived in my Citi account via ACH transaction. 
On XX/XX/XXXX, I made a payment to my Citi credit card, and therefore reducing the amount to below XXXX, which is well past the 60 days restriction. 
On XX/XX/XXXX, I made an inquiry both by online messages and by phone. The agent said that they would conduct a review. I received a letter of confirmation later that day in my Citi online account. 
On XX/XX/XXXX, I received a letter in my Citi online account saying, that " your account does not qualify for this promotion because the required deposit was not made within the stated timeframe. '' On XX/XX/XXXX, I called the Citi customer support again and the agent said there was nothing she could do.

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 2019-03-15
Company: Bread Financial Holdings, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019, XXXX XXXX received my credi transfer request in the amount of {$8600.00}. I received a email from them stating that they had received my request. The transfer was charged to my XXXX XXXX card and I began receiving and paying bills on the {$8600.00} balance. The money transfer was never made to my XXXX credit card and XXXX XXXX will not tell me where the money went. I asked for the 0 % interest transfer to reduce my credit card payments due to XXXX and a long hospitalization. I feel that XXXX XXXX has perpetrated fraud as they can not and will not explain where the money is! I am paying credit card payments now for the supposed transfer as well as the payments to XXXX where the payment was supposed to be applied. I have written XXXX XXXX numerous times to no avail. They do not answer my specific questions, only send me formulated answers. 

XXXX XXXX ( XXXX XXXX ) acknowledged my first payment on XX/XX/2019 and have sent me a second bill on XX/XX/2019, bills for the supposed transfer. Again, the transfer was NEVER MADE! I am  essentially paying for money I have never had the use of! 

I have tried to sign into my account this morning to get the names of the men I have dealt with and XXXX XXXX ( XXXX XXXX  ) has refused me access to my account. 

Please Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection with Online Services for XXXX XXXX / XXXX was paid directly to XXXX on XX/XX/19. XXXX stated that they would request that the collection be retracted from Online Services but Online Services is stating they will only report the debt as paid. Per the FCRA, Online Services does not have a valid collection as the original creditor recived direct payment. They are required to remove the debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: ACIMA CREDIT, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I've been a faithful customer of that agency since 2016 being this the second time I borrowed money from them. I was given the options of paying full amount lend in 3 months and I took it. I had made two payments of {$240.00} in XXXX and XXXX respectively. I asked to be called before XXXX payment due day in an attempt to make my payment, and I was not called. Even though we all have been affected by this unprecedented pandemic, I wanted to fulfill my debt and pay the remaining balance. 
I called the company, and I spoke with XXXX ( allegedly supervisor ) who confirmed my account is past due the 90 days grace period. I was also told I had to pay {$790.00} instead even though I had paid over 75 % already. I asked supervisor what benefits were they been given to the customers as a result of COVID 19? I declared I had sacrificed those {$240.00} out of my family budget to be in compliance and to avoid further credit issues, but no one listened. I was told those were the policies, and he could not do anything about it. 

Most companies have pop-up messages related COVID 19 information, assistance and resources for their clientele and customers. As of today, ACIMA DOES NOT. 
Most companies, even the government, mortgage lenders, credit bureaus have been given US citizens the opportunity to " financially recover '' from the pandemic. ACIMA DOES NOT.

Many private business have shown empathy to its customers during this unprecedented situation. ACIMA DOES NOT. 

As the institution that overseas ACIMA CREDIT, I'm reaching out to you to advocate not only for me, but for most of ACIMA customers that may be going through similar situations. Most of us that are committed to be in compliance even though we have been expansively affected, but we encounter senseless companies like this that only care about money not the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had bought a XXXX 15 inch laptop from XXXX 's online store on XX/XX/XXXX. It was shipped and was suppose to be deliver by XX/XX/XXXX. When I got home that day and check my status of the shipment it said delivered " left on porch ''. I went outside of my condo to check but did not see anything. I called XXXX and they said that the system might not have updated correctly and to wait a few days. I check the next few days each time i came home and looked for the packaged but it was not there, i had asked my neighbors if they had seen or signed for it, they stated no. I called XXXX XX/XX/XXXX, they told me to contact the sender since only they can initate a lost claim. I called XXXX on XX/XX/XXXX to see if they could help me ( email chain attach ). I got an answer by XX/XX/XXXX that said they confirmed it was delievered, I email XXXX and asked if anyone had signed for it, so that i can track it down, XXXX did not respond to that email, when i had called they stated that XXXX will give me that info. When i contacted XXXX they stated only the sender can request that info. I emailed XXXX about that, but XXXX did not respond. I then contacted the credit card company ( Chase Sapphire Reserve ) to find out what my options where, this was on XX/XX/XXXX or so. I had asked if i should dispute the charge or if i should file a stolen item, they stated to file a dispute, i told them that i do not dispute that i charge for the item and i do believe that XXXX had ship the item and that it may have been stolen, but i was once again told to file a dispute. So i filed a dispute with them. I then got an email from the chase website asking for any communication i had with XXXX, which i provided. About a month later i get a letter from Chase informing me that the charges were authorize and the billing was done correctly. I called ( XX/XX/XXXX ) chase to tell them that I do not dispute that the charges were billed correctly, but that I had not gotten the item. The Chase representative told me that I should've filed a stolen/lost item claim, however at this point it has been over 45 days and they can no longer process that claim. I feel that this is unfair, as I have reported everything at the start, I tried working it out with XXXX, then Chase told me to file a dispute instead of a stolen/lost item, and now it is my fault for not filing it in a timely manner.

Company response to consumer: Closed with explanation