BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: JPMORGAN CHASE & CO.
State: NJ
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:
To whom it may concern : This complaint is to notify you of the unfortunate events which took place with JP Morgan Chase and its auto financing division. On or about, XXXX, of 2017 my auto payment was recorded, 30 days late. Subsequently, XX/XX/2017 payment was recorded 60 days late. Without recollection of verified notice, my vehicle was repossessed. I immediately contacted chase to resolve the issue, which they were no help to assist in the matter, aside from collecting the 2 late payments, in addition, the 3rd payment ( XXXX ), which was not late. Additionally, fees were assessed. I was left with no choice but to make payment in full. At that time, my loan was 'reinstated '. 

My complaint is as follows : To my recollection, proper documents were not provided and verified for repossession. Chase did not seek to aide me in a solution which would result in a favorable term for both parties and conclude repossession. Financial hardship temporarily hindered my ability to make payment and was unaware of my rights as a consumer. Furthermore, Until recently, I was not aware of the CFPB ability to research such complaints. 

I would ask you to research this complaint and with your findings have the repossession deleted from all three reporting agencies and the late payments associated with this repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On Tuesday XX/XX/2020 I went to use my NC unemployment debit card for gas but my card was reading do not honor. I went to call Bank of America prepaid and they said after putting in my information that my account was closed and hung up. At XXXX I made my first call and was placed on hold up to Two hour 's when I finally got to the fraud department I was told my cars has a fraud block because I tried to transfer funds to an account not in my name. I did try this when I was trying to send money to my mother but without success. I had no idea my account would be closed if I did this, I had no idea my account wouldn't be accessible if I made this mistake. After that I was transfered and placed on hold to talk to a specialist to get my card unblocked and verify my  identity and just to regain access to my funds and account. After waiting two hours for a specialist my call was dropped. I called back and had to wait all over again. This continued non stop until XXXX when I was told that the fraud department was closed for the evening. I had been on hold and hung up on multiple times from XXXX until XXXX. I never got to resolve the issue and now have to wait until tomorrow. I wasn't able to get the gas, I wasn't able to feed myself or my wife for dinner, I am now have no clue what to do because every penny I have is on that card. Bank of America seemed to not even care about this very serious situation. I made an honest mistake and now I can not access my money or anything. Please help me with this issue. I feel as though I was treated unfairly and to no fault of my own. Bank of America made me wait seven hours on the phone just to be told they are closed call again tomorrow there was nothing they can do. Thank you for your time and I hope to find some relief in the morning

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX veteran and my wife were in need of a home equity loan and applied with a credit union that represented military families. We later determined that the amount of payments at {$690.00} paid on time monthly, had Not reduced the balance of the loan down after approximately a year? It was discovered that our interest rate at the time of the loan was quite higher than expected. We contacted the lending institution, in attempt to negotiate the interest to a much lower rate and were unsuccessful. We continued paying on the loan more years. This became frustrating that we now were forced into a loan without a fair opportunity to get the interest payments lower to accommodate our finances, as my health was deteriorating more from service in the military and the interest rates were much lower at the current bank loans. I was forced to work with this health condition. It was approximately 4 yrs later that we finally were able to get another bank to refinance the loan to pay off the previous bank, at a very much lower & fair interest rate. However, the payoff was still near the balance of the loan amount borrowed when it was paid off? So basically we were in a loan borrowing {$50000.00} with finance charges of {$74000.00}, totaling after 15 years. A total payment amount of {$120000.00} with the interest rate at 14.750 %. 
This is totally not right? Especially to our military families and seems to me PREDATORY practices when they refused to allow a refinance at the much lower rate. Informing us that that type of loan was ineligible for refinancing. I am in hopes that I have filed my complaint with the correct office to look into this and look forward to hearing some soon. Thanking you in advance in your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery and this writer settled this account in the beginning of XX/XX/2018 however on the XX/XX/XXXX I received notification from them and credit reporting agency that there is a remaining balance. This account has been satisfied the collector received payment and is now reporting an entirely different amount owed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX should be off of my account as paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a follow-up to XXXX which I filed two days ago. Today my Transunion credit score decreased another 11 points for a total decline of 98 points in two weeks despite the absence of any new derogatory information and the absence of any new credit inquiries. Positive information was added and several minor bits of derogatory information aged off. The only changes that accompanied the 11 point drop was the  removal of an old missed payment and removal of the last-first-middle variant of my name ( which is also listed in first-middle-last order ). I continue to believe that the 98 point drop is some sort of retaliation for previous CFPB complaints I've filed against Transunion or the numerous requests I've made over the past year to, successfully, remove various bits of incorrect and outdated information from 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 2018-03-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Housing crisis beginning in XXXX the value of my home decreased dramatically. My goal was to reduce my monthly payments and have an affordable interest rate. Ocwen my Lender instructed me that in order to do just that I must refrain from making mortgage payments for 89 days. On the 90th day Ocwen implemented foreclosure proceedings which resulted in applicable attorney and appraisal fees. These fees were unathorized and unwanted. After disputing these charges with their Resolutin team and the Ombudsman department for 6 years I realized the charges must be paid. Since XXXX I had hoped these charges would be resolved. Ocwen refuses to remove the charges.. 
.

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 2019-06-12
Company: EQUIFAX, INC.
State: AZ
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 have disputed the XXXX XXXX account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account Equifax just sends back a notation that the account has been updated. And trying to reach a human being at Equifax is impossible. Their automated telephone service constantly malfunctions and hangs up. 

They are currently showing the account as 180 dayspast due because Equifax infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XX/XX/XXXX, which gives them a new 7 years to report it. 

How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to Equifax after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life! 

After repossessing the car in XX/XX/XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them. 

I learned XXXX is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt has been sold to National Credit Adjusters. When I called to clear up the matter, they stated that the debt has been outsourced to another company. They gave me the number to call that other company. When I called there was no identifying information to let me know who this company was or that it was even a company. I hung up. I did not feel safe or secure giving my banking information to an unidentifiable company. I called National Credit Adjusters back. I wanted clarity on this matter. The lady that answered the phone did not ask me for identifiable information, however she gave me my information. Thank God it was me calling or someone else would have some of my personal information that should be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im due for 3 payments. They wont accept one. They say I must make two payments that I cant make.

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 2019-05-20
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: Account information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX [ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am  writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ XXXX XXXX XXXX, reported balance {$1100.00} ] Dates associated with item being disputed : [ XXXX XXXX ( 3 years, 9 months ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. I stopedstoped using XXXX in XX/XX/XXXX as I didn't have any contract at a time, as I also was travellingtravelling XXXX to stay with my for awhile I stayed there for 3 years before I returned back in the states. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Creditor 's Name : Pentagon Federal C. U. 
Creditor 's Address : XXXX XXXX  XXXX, VA XXXX Creditor 's Telephone Number : ( XXXX ) XXXX Date of the denial : XX/XX/2018 XXXX XXXX Also know as XXXX XXXX XXXX XXXX XXXX Also know as XXXX XXXX XXXX Loan amount {$160000.00} Loan number : XXXX Comparative Evidence of Disparate Treatment : Failure to explained loan procedures for the approval process. 
Mortgage protocol that is not cost effective for applicants. 
Misleading on the loan protocol process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: MI
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:
Three months ago I received your correspondence on this alleged account stating your verified /updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character Accounts : XXXX XXXX accounts three reporting - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX  are reporting incorrectly a late payment in XXXX, 2019 on the XXXX XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: JPMORGAN CHASE & CO.
State: FL
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 a disputed ( false ) charge of {$92.00} on XX/XX/17, which was properly removed that month. I closed my account at the end ofXX/XX/2017- or early XX/XX/2017. 
I received another letter on the closed account dated XX/XX/2017 confirming I wasn't responsible for that charge. 

However I later learned they posted a new charge of {$92.00} on XX/XX/17 on the dead account without my knowledge. 

In XX/XX/2017 I discovered they reneged on the removal of this charge. I filed a dispute on the Chase website where they stated I'd get a written notice of conclusion. 

I called on XX/XX/17 advising I had a XXXX balance closed account for several months and never charged anything new. I advised I do not owe late fees or the amount they allege and they can not treat this like a fresh account. 

The company refuses to offer an accountable person who is competent enough to completely resolve the dispute. Instead, they are filing negative credit reports as if it's an active revolving credit account. There appears to be no way to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: OR
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:
My bankruptcy is showing as " Dismissed with XXXX  and Experian. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Credit Service Repair
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX of XXXX, I hired Credit Service Repair Corp, I spoke with XXXX XXXX and she prepared the documents ( attached ) to start repairing my credit, but up until XX/XX/XXXX, I did not receive any of the information that credit service repair corp is disputing in my credit profile, I called the company and a person called XXXX stated that they DID NOT provide any of the information that they are disputing on my behalf, I requested in writing via email a formal copy of any and all the letter that they have been sending to the credit bureaus and they simply deny my rights. I inform them verbally and in writing via email of my intention to revoke any authorization to dispute or disclose any information on my credit reports. If credit Service Repair Corp, does not provide me with the information that they had disputed on my behalf I would like to proceed with legal actions in order to protect my rights.

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 2021-10-10
Company: BARCLAYS BANK DELAWARE
State: HI
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 feel sure that you have heard from others with this problem but I am unable to get any assistance from the companies involved after over XXXX hours of trying. Along with scores of other XXXX XXXX, my XXXX XXXX XXXX card was transferred to Barclay 's XXXX in XXXX. I received the new Barclay 's cards and when I tried to activate them I eventually determined that my birthday was incorrectly transferred. I am unable to access this account despite multiple " specialists '' hearing my problem. I want to pay off the transferred balance of {$260.00} and close the account. 

Nobody seems to want to help me at Barclay 's or XXXX and this balance will soon come past due, accrue finance charges and impact my XXXX XXXX. I have not had a late payment on any account in over XXXX years and this is infuriating as I know how difficult it is to change something on a credit report even if it was not the individual 's fault. 

Another concern about this is that after reading social media comments from others who have similar problems, most people think that not activating the card will close the account and solve the problem. This is a serious issue that is impacting hundreds if not thousands of people. I really do not know who else to turn to and I hope you can 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