BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is against JP Morgan Chase CEO XXXX XXXX the reason for my complaint I email him on my concerns on how his Executive Office handle my complaint against Chase Auto Finance and never gotten a response. On XXXX XXXX, XXXX and XX/XX/XXXX I filed an complaint against Chase Auto Finance because they fail to enter my truck payment in the system on time which cause me to have a missed payment on my credit report the details are in my complaints. The reason that I am holding JP Morgan Chase CEO XXXX XXXX responsible because they work for him and he should be held responsible for the two criminals that handle the investigation on my complaints which I inform him by email. I feel the two people that investigated my complaint was inconsiderate, XXXX  motivated, and they sabotaged the investigation. I also believe this was an retaliation on a complaint I made against Chase Auto Finance when I purchase my truck in XXXX when I inform Chase Auto Finance that the dealership lied about how much I made to get a sale but Chase had to cover themselves they sabotage investigation. The only reason I am contacting you XXXX XXXX I was advise to before I take further action against Chase Auto Finance and Executive Officer because Chase has really cause me to be very depress on this matter. If this issue is not handle correctly I will file a civil suit against you CEO JP Morgan Chase Bank CEO Mr. XXXX XXXX. I know I am a nobody and uneducated but I know right from wrong and how to treat people. XXXX XXXX remember XXXX XXXX was a nobody and uneducated but he change the world. I will email this complaint to all my family and friends just incase something was to happen to me I believe some of the people that works for Chase Bank just that evil. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for a Bank of America XXXX XXXX Master Card. I  specifically asked the flight attendant who was selling the cards for BOA if there was an annual fee. She said no. BOA charged me a fee. I called BOA on XX/XX/20 and after spending approximately 35 minutes the agent said that BOA would not waive the fee and the only way for them to do so would be for BOA to close the account which would adversely affect my credit. I asked to speak to a supervisor and the agent said no. I asked to speak to XXXX XXXX, CEO, and the agent said no. She said that any escalation of the issue would reflect poorly on her. I said that I empathized with her, given that BOA put me in the exact same situation. She declined to provide her name or an identifying number for the call, other than to say that she is in West Virginia. She then transferred me back to the number that started the process. BOA must refund the {$59.00} annual fee immediately and stop the deceptive advertising and stop silencing customer complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a bankruptcy discharge on X/XX/17 and have attached it to this complaint. My complaint is against USAA Credit Card XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. USAA Credit Card XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. XXXX. I am uploading a copy of a credit card statement they sent me whereby they are billing me for debts that were discharged in bankruptcy. They are not supposed to be doing this as this is in direct violation of the bankruptcy discharge injunction against them and they are robbing me of a fresh start. My concern is when this statement closes on the next statement cycle, or XX/XX/XXXX, they will report this to the credit bureau. This debt was supposed to have been written off by them. This debt was included in my bankruptcy and I have the claims register to prove it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I visited tcf branch atm to make a cash deposit to my account. The ATM encountered problems and it didnt process the full deposit. The ATM didnt release the rest of the funds back to me. It kept it and told me to contact the branch. It has now been 24 hours and not only am I without my money but I also have hundreds of dollars in overdraft fees because of this matter. I filed a dispute with the bank and Im being told I have to wait 5 business days for the claim to be finished before I can retrieve my money back. Its bad enough Im without a job due to covid so to be without more money and no compensation while tcf correct this issue is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Prosper Marketplace, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Prosper took payments out of my on XX/XX/XXXX for which I did not agree to. The payment was for {$71.00}. This payment was on auto pay and of which was to be expired immediately after my XXXX payment. Prosper has received payments of {$120.00}, {$71.00}, {$50.00} in the last 5 days yet the only adjustment to my account was an increase of approximately {$24.00}. I spoke with an agents on XX/XX/XXXX and XX/XX/XXXX. I was told by the XXXX agent that my bank account had been reimbursed the {$71.00}. I told her it was not showing on my account as being deposited. Since then the funds has still not been deposited and my account still has not been credited any of the {$240.00} paid. 
Additionally, Prosper intentionally disabled my ability to view statements online believing that this would enable me to prove my case. Since filing my BBB complaint my balance has yet went up again. That's twice it has been increased and none of my payments have been honored and no refund has been issued as stated by their agent. Neither have I been contacted by Prosper or received a phone call from Prosper. Attached are just some of the files associated with this complaint that has been turned over to legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan through USBANK requires flood insurance which is provided by my Homeowners Association. This year they are not accepting it and have purchased a flood policy with me as borrower and have added it to my mortgage payment. My HOA has tried numerous times as I have to get help on the phone and there is no agent qualified to help. 

I have had this loan since XXXX of XXXX and no late payments. All these years they have accepted by flood insurance. 

The first installment added is {$530.00} until I " catch up '' and they have the policy adding {$220.00} per month through XXXX of XXXX. 

When I called the agent was recommending to take mortgage assistance until this is resolved, but I do not need this product. 

I am hoping during COVID-19 they are not trying to pressure borrowers to get products not needed then adding things like insurance as a scare tactic to make more money. 

USBANK will not allow me to make my normal mortgage payment and if I do it will be considered late which will affect my credit score.

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 2020-05-20
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I did receive a student loan from CitiBank while in school. After I graduated I did enroll in a payment plan to pay my student loans. For whatever reason ( I never realized it ) this loan was not included in my repayment plan, but all my other student loans were included. The student loan from CitiBank that I approved was for the amount of {$1700.00}. It was only one loan in the amount of {$1700.00}. CitiBank reported to the credit bureaus that I have two accounts in this amount. The student loan ended up going into collections for nonpayment. One account was closed on XX/XX/XXXX, and the other account was closed on XX/XX/XXXX. The account that was closed on XX/XX/XXXX has an inflated balance of {$3900.00} from the original {$1700.00} that was the approved student loan amount. I question if my case falls into the CitiBank lawsuit that was recently conducted. I have recently tried to contact a collection agency that sent me a statement to payoff with a lump sum. They told me they had sold my account. I have called CitiBank trying to contact the company who currently has my account. CitiBank has not returned any of my messages and another department from CitiBank says they can not help me because they no longer have my account. I hve called and left messages with seven different phone numbers to no avail. Please help.

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 2018-10-03
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX Called my cell phone from an unknown number. Didnt leave a message. Immediately called wifes phone.

XX/XX/XXXX was able to speak to someone other than dead air. Stated they were looking for my wife about a potential action against her. Called from an unknown number. Asked them for a phone number to contact them at. ( XXXX ) XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have a house that has been under contract by the buyers for over 40 days. The Title company, XXXX XXXX  in XXXX MN, sent out a request for mortgage loan Pay Off on my account on XX/XX/XXXX and then again on XX/XX/XXXX. This is a process that should just take 3 days. Freedom Mortgage has yet to send over the pay off. It has been 11 days! On Monday XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ), I contacted them multiple times about when will the pay off be sent to the title company. I was desperately attempting to assist the title company with this process. Today XX/XX/XXXX one person claimed that the pay off was completed and that the file was closed and the pay off was sent via a pdf to our title closing person. Yet I find this was a lie when the title company DID NOT RECIEVE the pay off! 
Freedom Mortgage appears to be with holding information to complete the closing on the house! My realtor and the title closer advised they have NEVER seen this before from any mortgage

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 2020-05-20
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: Public record information inaccurate

Complaint:
A remark was made from XXXX XXXXXXXX XXXX on my credit report, which significantly lowered my credit score. When contacted XXXX XXXXXXXX XXXX, rep was not able to find or locate such remark. As a result, XXXX XXXX XXXXXXXX was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Their investigation did not fix an error on your report

Complaint:
I sent Equifax a dispute pointing out several inaccuracies. They responded with my credit report and failed to fix several errors/ inaccuracies. By law ( FCRA 611 ) the disputed items are supposed to be either corrected or deleted when notified of them. I also sent a 15-day method of verification dispute letter ( FCRA 611 ) which I am still waiting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: SYNCHRONY FINANCIAL
State: NY
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:
With the Professional Help Of Consumer Financial Protection Bureau, I was able to obtain my refund of {$600.00} back from XXXX XXXX at Care Credit/Synchrony Bank on XXXX XXXX.2017, case # XXXX.I was dumbfounded when I went to check my Care credit account and see I was charged back the {$600.00} back to my account, Unbelievable!!? Once again I need CFPB help to close this nightmare situation once and for all.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF 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 2019-03-10
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
" Reference to People United Bank ''. I fell behind on my loan and before People United Bank ( Formerly XXXX XXXX ) and I went to reinstatement my loan the judge allowed them {$15000.00} in attorney fees. At the time of the reinstatement, they invoiced me {$54000.00} for attorney fees and another {$5000.00} in committee fees. So at the reinstatement, I had to give the bank {$59000.00} or lose my house. That didn't include the {$600000.00} that they had requested that I also paid. They said if I didn't pay them everything they would foreclose on my property. The Bank totally disrespected and disregarded the judge 's order. The breakdown consisted of 6 bullet points with two to five-word breakdown on each. Nothing more explaining how they came up with any of their numbers. The banks closing sheet changed 3 times over the two months prior to closing by {$31000.00} in their favor. They clearly had no accountability for their numbers. After the closing, I emailed to ask for a breakdown and a credit for the fees. The sent me two small checks at different times stating they had overcharged me at the closing on the interest and escrow. After that, there was radio silence and XXXX XXXX didn't return my calls or emails. I received a letter that People United Bank bought out XXXX XXXX. I guess XXXX wanted to make their books look as good as possible even at the cost of their clients. I then notified CFPB and received partial credit for the overcharge of attorney fees and committee fees in the amount of {$13000.00} still leaving a balance owed to me after also deducting for the {$15000.00} ordered by the judge of {$30000.00}. I guess they thought giving me something would make me go away. I finally spoke with XXXX XXXX XXXX loan operations a few times at Peoples United Bank. He promised me about 6 weeks ago that he would get me a DETAILED break down of the closing. I have never heard back from him nor have I received any of my overpayment back. I left him a message a few weeks back and still radio silence. This seems to be the protocol for the way they do business. I keep trying to work with the bank before going back to the judge and having to waste more money on attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Diversified Consultants dated XXXX.19. On XXXX.19 sent a certified letter to Diversified disputing and explaining that I had already set up a monthly plan and had made payments, and that amount on their letter was not accurate. Instead of sending me the back up records they ignored my letter and reported this incorrectly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company keeps updating my credit report saying a new collection has been placed on my reports and it keeps dropping my credit scores this is beyond illegal to do that this has been a long process with them all they sent was a cell phone bill therere ruining my credit for they own can next step is a lawsuit against the company if This isnt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i started the account ending in XXXX in XX/XX/2015 through the four year period I have been taken advantage of. Most recently a letter was sent certified mail to cancel it. The tracking number XXXX XXXX XXXX XXXX XXXX. It was suppose to be received on a Thursday but didnt get to American Express until a Friday Morning. The company is still trying to keep the account open. I want the account to be closed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent XXXX 60 pages of evidence to support my claim. XXXX has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I was told by XXXX from Navient that if I made a payment using my debt card my account would show current on the Navient web page. I needed it to show current because my mom is a co signer and was in the process of closing on a new house on XX/XX/XXXX. Then I called NAvient back ( same day ), after I saw there was no change to my account even know the money was out of my bank. I was promised an email with a conformation number from a different NAvient employee. I never received that email, and 24 hours had gone by .... I called NAvient back the next morning XX/XX/XXXX to ask why my account had not change to current and where was this email I was suppose to have received. I talked to ( XXXX XXXX ) and she said that she had talked to a supervisor and I should have the email by the end of the day, but I never received anything. I called back same day XX/XX/XXXX and talked to XXXX XXXX again that told me the email department would only send emails in the order of request. I asked to speak to a supervisor and that request went unheard by the rep ( XXXX XXXX ). I was basically lied to and stalled by the Navient reps. Telling me that all the information was on its way to me just get paid and to get me off the phone. That same day XX/XX/XXXX after XXXX XXXX XXXX I finally got to talk to a supervisor From NAvient. This woman basically said why should I try to help you when you have been late on your payments. They are many reason I 'm late making payments, but the main reason is so that I can enroll in income base repayment plan. This supervisor was rude and could give me no explanation as to why I was told numerous lies from XXXX  and XXXX XXXX. She did nothing but talk in circles and trying to make me fell bad for being late on student loan payments that had nothing to do with why I was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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: Information belongs to someone else

Complaint:
Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX  XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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