BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: Massachusetts Educational Financing Authority
State: NH
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:
MEFA loans and XXXX mailed me four physical letters ( I have four open accounts with them ) dated XX/XX/XXXX. These laters stated information about my repayments such as the payment options, estimated monthly payments, and when my first payment due date would be. It was stated in writing that my monthly payments were to begin on XX/XX/XXXX. 

Recently, XXXX XXXX XXXX acquired XXXX and sent me four new physical letters that now claim my account is 60 days overdue and has now been sent to a collection specialist. When I reached out to them about this issue I was told that they have " no idea why MEFA would send me anything about payment options when it is not even them who I am repaying '' but that it was also not them who sent the letter. I was told to call MEFA so that they could explain it to me as I " just was n't listening '' to what the XXXX specialist was saying. The " specialist '' I spoke with refused to believe that MEFA would send me a letter even though the new letters from XXXX are also stamped with MEFA in the letterhead. 

I am now aggravated that I have been preparing to begin making payments in XX/XX/XXXX only to find out that I owe thousands more for past due payments. Even more so, XXXX refuses to even hear me out on the situation or help me come up with a plan so I can reasonably pay back my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello my name is XXXX XXXX and this is the second CFPB complaint I have had to file about the same issue that Navy Federal keeps telling me for 3 years has been resolved. I am not wasting my time telling the entire story again- please read the prior complaint I have attached and see two documents. Due to having spoken to numerous reps for the past 3 years and no one seeming to be on the same page, I am corresponding here to make sure this is handled properly. Someone called after the last complaint and assured things would be handled and here we go again a year later. Navy Federal needs a much better system of accountability in their auto titles department instead of sending out threatening letters out of the blue with no context. Use the Navy Federal portal to communicate with members specifically and notes should be in the system so employees can read the backstory so they know how to communicate with members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint concerns Synchrony Financial. Synchrony Financial offers store credit cards with deferred interest. I had a store credit card with XXXX 's XXXX. Another furniture retailer, XXXX XXXX XXXX XXXX was able to use this existing account to process a transaction. The terms of the transaction were such that I was able to get 18 months no interest on the purchase. The purchase was for XXXX. Due to an issue with the store, I sought a refund and the store agreed. The store put a XXXX credit. However, instead of XXXX out the account, Synchrony applied the credit to a different Synchrony account I had with another vendor, XXXX XXXX. The XXXX XXXX card had a larger balance and a longer no interest term, ( 4 years instead of 18 months ). I believe this was intentionally done by Synchrony. Now I have to make two monthly payments instead of one, and I have a high balance on account with a shorter no interest period.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Also, accounts are already deleted from the other bureaus therefore they MUST remove the accounts immediately. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX )

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 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To whom This may concern I never was in ambulance and went to the Hospital and transunion and XXXX are reporting wrong information on my credit report. this is Identity Theft

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 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX CAPITAL ONE AUTO FINANCE Inquiry : XX/XX/XXXX - Finance CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This dispute involves American Express and their collection subsidiary XXXX XXXX XXXX XXXX. I entered into a payment plan with XXXX XXXX XXXX XXXX to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between AmEx and this collection service and no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 contacted Capital One regarding a recent negative remark placed on my credit report and the company refuses to remove the negative remark and or honor the program offered to cardholders for payment protection. Capital One charged a fee each month for payment protection to cardholder that opted into the program. I contacted Capital One to receive the benefits of this payment program that I paid into for numerous month, when I faced hardship. Capital One informed me the payment program was no longer available. Capital One mislead its cardholders into paying additional fees each month and did not uphold their end of the agreement. I paid into a Ponzi scheme offered by Capital One in the hopes to protect my credit and payment history in the event of a hardship. Capital did not honor their end of the agreement, reported my account in accurately to the credit bureaus as a result of them not honoring the payment program and has not returned the fees the cardholders paid into the payment program that can never be used or redeemed. The payment protection program was a scheme to get money from cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a continued issue with lender placed flood insurance which was placed on my home by Chase in error. This occured on my first and second loan. I attempted to resolve this issue on numerous occasions without success. Due to this insurance my mortgage payment was increased on both my loans, and I fell behind both. With the help of the XXXX XXXX XXXX the lender finally cancelled some of the insurance on the loan. I had requested that they refund me all of the late fees, and foreclosure fees for double charging me for insurance on the first and second loan. To date, they have not refunded me the entire amount of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When I log on to my Transunion account and try to do a dispute on some accounts on there, when I go to submit the dispute it says the items im trying to dispute are n't on my credit report. I am unsure of what 's going on because if its not on my report then why am I seeing it.

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 2022-10-04
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:
Chase Bank Marriott XXXX points apparently are seen by Chase, Marriott and in our account but nobody can figure out how to access them for an upcoming vacation that was booked months ago. See attached screenshot of points. We contacted them last Friday spoke for XXXX mins. Today - no return call. We leave Wednesday morning

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My son received a letter from Chase Bank denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to XXXX XXXX and the Better Business Bureau. I also called XXXX XXXX at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to XXXX, but because my son is a minor, this application was discarded. My child is a minor and information on the credit card application was incorrect, but I am unable to contact XXXX XXXX to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: WELLS FARGO & COMPANY
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
on XXXX XXXX,2017 wells fargo credit card fraud dept called me regarding supiicious charges on my creit card. i stated the 3 charges for XXXX, XXXXand XXXX were fraudulent and i did not make them or authorize any one to use my card. i have no idea who did it or how they got my card. they ask me if i had the card in mypossession i said did however i misspoke myself when i later looked for the card in my desk drawer it was not there along with another card which was gone. about week later a person from wellsfargo called to follow up on the fradulent use of my card at that time icorrected ststement that i had the card and told tmem i did not havethe in my possession at the time of the chargesand no idea who took the the card or who used the card.on XX/XX/XXXX i wrote them a letter stating thes details.again that i did not have the card in mypossession have no idea who took it or who used it.i susspect it was one of my cleaning people but i have no idea who it could be. hoping u can help and get charges cancelled thank u for your help..XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, mi XXXX credit card # XXXX XXXX XXXX

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 2018-01-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, I emailed Chase ( at provided address : XXXXXXXXXXXX ) to request reopen the dispute claim ID # XXXX for the transaction done on XX/XX/XXXX. Then Id called in several times to follow up and I always got advice that my request had been processing and I would be contacted if any further information needed. Also, on XX/XX/XXXX, I got a letter which dated on XX/XX/XXXX, confirmed that my request had been processing and well contact you if we need more information to dispute the charges. ( Please see attachment for details ). 
However, on XX/XX/XXXX, I called in again because no-one contacted me and now I got advice from Supervisor named XXXX XXXX XXXX that the disputed claim had been closed because there were no supported documents and if I wished to re-open the above dispute claim, I could email the supported documents with the narrative to request for re-opening which I did on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I received the letter ( please see the attachment for details ), which dated on XX/XX/XXXX, stated the above dispute claim were denied with the reason : a significant amount of time has passed since the date of the charge. Despite our efforts, the merchant is not willing to credit your amount. The merchant is not required to credit your account because the charge took place too long ago. Then I called Chase Customer service, I got advice that the timeline allows for a transaction dispute is 3 billing cycles while the original transaction were on XX/XX/XXXX and my first requests for reopen the dispute claim were on XX/XX/XXXX, both were less than 60 days. Thus, the denial of crediting me {$6000.00} for the transaction on XX/XX/XXXX was not reasonable and not compliance with Chase dispute guideline. Even though I emailed Chase on XX/XX/XXXX to request for re-opening the above claim, but I also would like to send this letter to your department to ask for your attention because I want to make sure the request to be taken care properly and asking for expediting on the process of my request because I have been waiting for more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: American Credit Acceptance, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have asked American credit acceptance to defer my payment, they keep saying I do not qualify and make payment arrangements.. I keep getting asssed late fees, and going back in a circle. I lost my employment due to XXXX, my wife almost passed, still on XXXX, and I just started working again and cant get ahead.. my rate is XXXX plus percent and Ive always made my payments but now I need the help and they rather get fees, interest instead of helping me. 
Ive asked for help since XXXX and they refuse!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Ditech Financial LLC
State: NE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy in 2012. What I owed Ditech was discharged. Now they state I still owe them {$8000.00}. The account shows discharged on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

more than seven years.

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

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