BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: JPMORGAN CHASE & CO.
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was provided a payoff by Chase the lender. The payoff clearly states that I can pay off the loan by XX/XX/2021. 

On XX/XX/2021 Chase decided to charge off my account. How can you charge off the account a day before the payoff deadline provided? 

on XX/XX/2021 ( day of payoff ) a REPO person showed up on my doorstep trying to reposes my car. I showed him a copy of my check and a copy of my payoff and he said he would extend for 1 week. a few days later he let me know my repo account is closed.

I sent in documentation to them to show their mistake but I am getting a run around being bounced from one dept. to another as I call in to rectify this situation. 

Chase did get my payoff amount and says the account is closed and there nothing to do. Also they are stating that they don't have the odometer declaration form. Even though I mailed that form along with the check for payment. They obviously got the check for payment so why are they giving me the run around on providing me title to my car? 

I am including the payoff that I was provided and what I used to mail the check to pay off the loan. As well as my letter to Chase stating that I want my credit fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: CBC Companies, 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 status incorrect

Complaint:
I have an old credit card account with XXXX XXXX from XXXX. In XXXX filed ChapterXXXX bankruptcy. XXXX XXXX was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. XXXX XXXX never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I opened a checking account and a savings account with Citibank at one of their branch offices on XXXX XXXX XXXX XXXX with the help of XXXX XXXX to take up their {$400.00} bonus offer at time if I make at least the minimum deposit and keep the minimum combined balance for 60 days. I was told by XXXX that I am eligible for the offer. 

I made the required deposit of {$15000.00} to the checking account and {$500.00} to the savings account on XX/XX/2018. I left the money sitting untouched in both accounts for the next XXXX consecutive months. 

The {$400.00} bonus never came and still not received. I started making numerous inquiries to Citibank through their branch and spoke to its manager XXXX XXXX and the original office XXXX XXXX. I also tried their online Live Chat and spoke to several representatives. They keep telling me that they're still 'investigating ' even though all of them confirmed that I have satisfied all the requirements for the bonus. I kept getting the runaround and still haven't gotten any resolution. 

Today, XX/XX/2018, both of my accounts were mysteriously 'unlinked ' and I can no longer access any of the accounts. I never unlinked them or authorized Citibank to close them. I reached out to the branch manager XXXX XXXX, and she has no idea why. I feel misled and duped. The whole thing feels like a fraud and it is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
U.S. Bankruptcy Court Date Filed XX/XX/2011 Chapter XXXX bankruptcy discharged Reference 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 2018-08-10
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I submitted CFPB Complaint # XXXX on XX/XX/2018 to request assistance with an issue we were having with our mortgage company refusing to recalculate our payment following our county authorizing a 100 % exemption from our property taxes because I am a 100 % totally and permanently XXXX veteran. On XX/XX/2018, XXXX XXXX XXXX, Director of Customer Service XXXX XXXX XXXX, responded saying the company had performed a new escrow analysis, had recaulculated our escrow and payment requirement, and would be issuing an escrow surplus check ( due to the overage in our escrow account ) in the amount of {$4900.00} within the next 5-10 business days. As of XX/XX/2018 ( 12 business days ), I have still not received this check. When I contacted the company they said they would have to check into it and would try to have the check mailed by XX/XX/2018. When I asked if, since they had not fulfilled their promise, they could have the check XXXX  to me, the representative said he could not guarantee they would do that.

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 2021-04-11
Company: CITIBANK, N.A.
State: WI
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:
I have 2 double cash credit cards with Citi Bank, they are underpaying cash rewards : they are stealing money from customers. Both my credit cards are being underpaid. 
I never checked on Citi how my rewards were paid however I checked XXXX and they are refusing to pay 2.5 % for card ending XXXX and 2 % for the second card. 

Citi doctors customers records behind the scene, this has to stop

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Personal information incorrect

Complaint:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Navient Solutions, LLC.
State: RI
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 started teaching at a public school in XX/XX/XXXX. My student loans were consolidated in XX/XX/XXXX with XXXX. I was told then ( in XX/XX/XXXX ) that my best course of action was to consolidate to a Smart Loan. Then, XXXX changed ( or my loan was bought out by ) Navient. I asked Navient if I was qualified through my Smart consolidation for the Public Service Loan Forgiveness Program. They said they thought so, and that I just needed to continue working at the XXXX  where I ( still currently ) am working, and I needed to make 120 payments. In XX/XX/XXXX ( when I had made 120 payments ) I started ( what I thought ) was the process of applying for the Public Service Loan Forgiveness program. It took me six months ( and two months of deferment in which my loan was still collecting interest while I was told to complete a DIRECT consolidation ) for me to find out that my loan was NEVER going to qualify for the Public Service Loan Forgiveness Plan because A. It needed to be Directly Consolidated to begin with, B. I would have had to file my taxes individually once I had gotten married. On XX/XX/XXXX I spoke with a representative from the current loan company I've been shuffled to ( XXXX XXXX XXXX  ) and they STIILL told me I would qualify for the Public Service Loan Forgiveness Plan after another 120 ( ten more years worth of payments ) ; which is ALSO NOT TRUE and I blindly would have accumulated nearly {$40000.00} in interest for another 120 payments if a financial planner hadn't caught this and told me I won't qualify now or in 10 years. I started with {$46000.00} of Subsidized and Unsubsidized Federal Student Loans and still have {$37000.00}. to go. I wish I had all of this information before I started XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
1. I have never been late with payments on this account. Balance on the account is wrong. 
XXXXXXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.

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 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX reporting incorrect birthdate, phone numbers, addresses, and employment to Transunion and XXXX. I've sent several proof of my identity, phone number, and address. XXXX and Transunion refuse to correct incorrect information on 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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint is with American Express platinum Card and loan department. On XXXX I reported a fraudulent loan that was taken in my name. AmEx assured me they had my ba Note my USPS mail was forwarded to a different address 3 time by the person who received the loan. To this day I do not have any information in print on this loan. 

On XX/XX/2020 I was billed {$550.00} for the annual service fee for my Platinum CreditCard. On About the end of XXXX of 2020. My credit cards with AmEx were frozen due to this fraud loan ; and remain frozen. 

I was unable to use the service for which the annual fee was billed. When I reported the fraud AmEx assured me there was no doubt it was not me who took the loan. I have detailed files regarding USPS complaint regarding my mail theft. However all have detailed personal information. attached is the information that i feel safe sending at this time. The Inspector General Reference number is XXXX and XXXX. AmEX would not Email or Special deliver vie, XXXX or XXXX XXXX or even USPS Registered of which I offered to pay. Also my address in the AmEX system was changed almost daily to cover for the fraud. 

I was billed for services I did not receive. And the loan was due to their error. The person who did these things only needed my ss # and name to change my information, and receive this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 I tried to put in a PO Box-in Maryland at the XXXX XXXX Post Office in  XXXX XXXX Maryland at XXXX XXXX XXXX XXXX, but that Post Office has so much fraud, and stealing that my mail was never sent to the Post Office box, so my bank withdrew the funds ( Post Office was reported ) and I signed up instead with the DC Washington XXXX XXXX in Washington Dc because they are professional at this Post Office any how I asked my bank to take back the {$100.00} because the Maryland bank never put my mail in the Post Office box. The dispute department talked to someone at the Maryland underhanded Post office and they told my bank that I come there everyday to get my mail from their Maryland Post-Office which is a lie, because I have proof and receipts and the Post Office General will not allow any one to have two -Post -Office boxes- exspecailly coming form the same house. TD Bank failed to investigate and believed the lies that the Maryland- Post Office -said and not me and TD Bank took {$100.00} out of my bank account and gave it to the lying- Maryland Post Office .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
statement due date XX/XX/21 paid XXXX XXXX more than purchases and the difference doesnt get applied to my promotional balance.this happened also on XX/XX/21, XX/XX/21, XX/XX/21 and XXXX.i called the company and they said i have to call them after the payment and request the extra money to be applied to the promotional balance. I don't see where the extra money goes, it seems to go nowhere the promotional balance doesn't go down the XXXX extra dollars every month. It seems the company is misleading consumers and using deceitful billing practices.everytime i call customer service they can't give me a reason or answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Rocket Mortgage, LLC
State: NJ
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: Problem with personal statement of dispute

Complaint:
On XX/XX/16 an inquiry was made by " Quicken Loans '' on my credit report. I do not recall making this credit inquiry, however after contacting Quicken Loans and asking for verification, they stated via email that the inquiry was made online through a third party lender they use known as " Rocket Loans ''. A subsequent request by me asking them to verify the inquiry by providing a copy of the application was denied. They stated in response to my request for verification " I apologize we will not be providing any additional documentation regarding this inquiry. All transcripts/ screen shots of the web session are proprietary to Quicken Loans and a part of our business records. '' I have verified my identity with them through my date of birth and SSN and still they will not provide me with verification of this inquiry. 

The point of contact who denied my multiple requests for verification was XXXX XXXX. The initial letter requesting verification was sent certified mail, I then received all subsequent communication via e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My Texas Workforce Commission unemployment benefits are dispersed using a US Bank ReliaCard. They are a fraudulent and dishonest financial institution. They have locked my account under the guise of a possible fraudulent transaction. The fraudulent transaction was me trying to transfer money from my card to my bank account. I.e. There is no fraud. Now they have had my account locked for 10 days, and will not acknowledge that the documents that they they requested, were received. Four different times. Apparently this is a huge issue with thousands of unemployment recipients. They are denying us access to our money, and will not contact us to let us know when we will be able to use the card. Honestly, it seems illegal. What are our options to bring this issue to light with the US government? Why would the government do business with such a shady and dishonest institution? 
Please help, as these unemployment benefits are my life line.

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear Sir/Madam please see the attached letter regarding inquiry made by XXXX CREDIT CARD We accepted the application as Fraudulent Dear XXXX XXXX XXXX : Were writing about your inquiry, which we received from the Consumer Financial Protection Bureau on XX/XX/XXXX, about the credit card application you did not authorize. 
We advised you in the letter we sent to you dated XX/XX/XXXX that we had received an application on XX/XX/XXXX using information that verified to you. You notified us on XX/XX/XXXX that this application was not submitted by you. As we advised you in the letter sent to you, we accepted the application as Fraudulent. We have enclosed the letter dated XX/XX/XXXX for your review. 
We also asked the credit reporting agencies to mask the credit inquiry from your credit report. Only you and the reporting agency will be able to see the inquiry. It wont be visible to any other organization that reviews your credit report. During our phone call with you on XX/XX/XXXX you stated that you wanted the inquiry to be removed, not masked. We advised you that you would have to contact the credit reporting agencies directly and request for the inquiry to be removed. 
As stated below, we can not guarantee, warrant, or take responsibility for the performance of any credit reporting agency in changing, deleting, or making entries in relation to any derogatory credit information. 
Please allow sufficient time for the update, and then request a new copy of your credit report. Here is the contact information for the four national credit reporting agencies : XXXX  XXXX   TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.com XXXX If you have additional questions about this issue, please call XXXX at XXXX, extension 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 2021-10-12
Company: Experian Information Solutions Inc.
State: MO
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:
I don't know what is going on at this company but they are putting anything they want into peoples credit reports. 

They are reporting that my home loan was included in my bankruptcy from XXXX when it was not. 

I just sold my home in XX/XX/XXXX. It has never been a part of my Bankruptcy proceedings. 

I have attached a copy of the following documents as proof of what I have just stated : 1 ) Closing Disclosure-XXXX 2 ) Adjustable Rate Mortgage Stamped Paid Off-XXXX 3 ) Release Of Lien from The XXXX County MO Recorders Office-XXXX Please contact XXXX XXXX, US Bankruptcy Court , XXXX XXXX XXXX XXXX and the XXXX County Recorder 's Office to verify the information that I have provided above.

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