BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a Small Business Loan through the SBA and was approved on XX/XX/XXXX. On XX/XX/XXXX ( Friday ), the funds were deposited in my checking account. On Saturday, XX/XX/XXXX, I visited the bank ( JP Morgan Chase ), met with the branch Manager and asked  about the funds. She stated that the funds were on hold and that they needed to clear and that I needed to bring proof that I indeed own or had a business. I indicated that I would do so and that as soon as the County Clerk 's office was open, that I would bring a copy of my DBA certificate. On XX/XX/XXXX ( three days later ), the bank arbitrarily and without notification, closed my checking account that I had had for the past 10 years. Upon learning about this, I visited the bank on Friday, XX/XX/XXXX and again spoke to the branch manager ( XXXX ) who placed several calls to the chase customer service number to try to clarify the situation and was unable to. On Saturday, XX/XX/XXXX, I got a letter stating that no action will be take on my account. I am concerned because the SBA loan in the amount of {$33000.00} the bank has not been able to say what happened to the funds. I even presented the loan signing document and promissory note to show that this was a legitimate transaction and they were not able to help. They also froze ALL of my other accounts and thus I have no access to any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CREDIT ACCEPTANCE CORPORATION
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:
Problem lies with XXXX & Possibly other bureaus. I got information corrected on 4 accts N past 2 yrs & have done everything 2 build back score. XX/XX/XXXX topped @ XXXX, then up/ dn but close & XXXX as of XX/XX/XXXX. Now XXXX put incorrect info back on report & score dn to low XXXX. I have only made positive moves & last month XXXX & other Bureaus saying way to go & reported 36 + on-time pmts. Just paid off XXXX Acct. getting title out of my name & that was about {$31000.00} should be down on auto loan to XXXX bout XXXX. The 4 disputes today were removed or changed in past 2 yrs. but now incorrectly reported again. Please amend to accurately get score back above 700 with all bureaus. Also am paying off 3 or 4 other accts. By end of year.

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 2015-05-14
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
for the last year I was paying about {$470.00} dollars on my loan. The minimum payment was initially {$460.00}. I also paid a few times in the amount of {$470.00} to give myself more buffer room. I did this under the impression the amount was being applied to the principal. But now I find out that the amount was being applied to next months payment. They call it paid ahead. I do n't understand how this paid ahead works. If I am paying extra on my loan every month then it should be applied right away and not used as a credit for the next month. My loans were given to me by Discover Student Loans and are serviced by XXXX XXXX. I just would like to know What I have to do to pay more. It does n't make sense that If I pay more that my minimum payment does n't stay down over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the  right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York 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 2020-08-16
Company: DISCOVER BANK
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 status incorrect

Complaint:
To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of  the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : Discover Financial Services ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX Discover Financial Services ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had a Bank of America Master Card for many years. The payment hasbeen set up on Auto Pay from my XXXX XXXX checking account since thebeginning and there has never been a problem making the payment. 
I noticed this month while going thru lots of mail that the account was past due. 
I contacted B of A on XXXX XXXX, at approx. XXXX ; XXXX XXXX to inquire why it was delinquentwhen I was set up on auto pay? I did make the entire payment in full. Therepresentative could n't explain why the auto pay was discontinued, but offered towaive the late fee. I asked for a letter to explain the account was current. 
She then forwarded me to someone to discuss why the auto pay was disconnected. 
XXXX transfers and an hour and XXXX later, someone named XXXX in the auto payIT area told me that several customers were affected because of a software updateglitch that turned off the auto pays. Not only did B of A know this back in XXXX. 
XX/XX/2015 and reversed the late fees automatically, they never contacted the consumersNow I believe I will have XXXX late payments on the perfect credit report. Icontinually asked for a department that could erase the late pays and was transfer-red over and over to card services to re-explain the situation. I was eventually sentto an automated credit services area, not a real person and no one to address myconcerns. 
I am in the process of buying a home and fear this will damage my credit and ability toto qualify. 
I am also very concerned about all the others who were affected and not notified. 
I have been treated very badly by B of A. Any by the way, they cancelled anotheraccount that had no activity, but blamed it on late payments to my credit report. 
Any assistance that can be provided would be very much appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see 30 late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX Nordstrom/TD Bank USA ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughters student loan is with Navient. My husband and I are paying it for her and have been sending in payments of {$300.00} per month with a note to put extra on the principle. I figured out that they ignore my notes and process mail in payments very slowly so they can get more interest. I then started to pay online. When I started, a page would come up to select that the extra not be paid forward. I did this twice, then all of a sudden, this page does not come up anymore. Their website is not consumer friendly. I continually have to write extra letters, trying to get them to do what is instructed. I just do not understand why they and other banks are allowed to put the burden on the consumers to write each time they want extra money to be applied to the principle. It used to be automatic. Please help me because the frustrations dealing with Navient is beyond belief. In fact, my daughter had to go through bankruptcy. They stopped sending invoices and my XXXX husband failed to pay ... this accrued an extra {$700.00}. in interest! In addition, the amount they take in interest is different all the time. It does not seem to matter if you pay early or on due date -- and it is not less if you do pay early! Even trying to find a way to email them on their website is close to impossible. Please help for me and many others. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
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: Investigation took more than 30 days

Complaint:
Equifax took longer than 30days to notify me about the results of an investigation. After several calls to equifax, they tell me the company in question responded to them with in 30day, but per the electronic paper trail on the CFPB complaint site it shows they failed to notify me untill after 30 days. Someone at equifax removed my address information so that I could not contact equifax, after a heated phone conversation about the incident. Equifax 's response is completely unacceptable. Please see attached documents for verification of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports.

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
OnXX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with XXXX.This errouneous account XXXX XXXX XXXX XXXX in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.Transunion is also reporting this account as well, ive reached out to both parties to get information on this account last year XXXXSince then Transunion and XXXX have not supplied any information on this account. XXXX is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the collection agency.XXXX  has removed this account with no issue at all.Myself and my attorney have started legal action against Transunion and XXXX  and XXXX for violating the FCRA and my rights as a consumer.

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 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Copy of letter emailed and mailed to Bank of America Card holder services To : Bank of America Maryland Unemployment Benefits Debit Card Cardholder Services From : XXXX XXXX Re : Customer Complaint Date : XX/XX/XXXX This all began when I noticed unauthorized charges via my online account with Bank of America, on XX/XX/XXXX I called into your cardholder services line to report the issue and request to be refunded and a new card. Today XX/XX/XXXX I called back in as I still have not received the new card and spoke to a representative by the name XXXX XXXX XXXX. This representative, while not rude was not educated to assist me and seemed unsympathetic to my concerns. I stated my worry that I in addition to this issue had issues with my local usps carrier and some mail may have been returned and asked if there was anyway she could issue another card. As my fear was the original replacement card that was mailed out on XX/XX/XXXX may have already been returned by the Post Office. 

I was told by your fraud/risk department that my account has been adjusted and a new card will be received within 14 business. It is now XX/XX/XXXX, for days I have been calling, emailing, and constantly been given incorrect information. After being on hold each time for up to 3-4 hours at a time, and then yesterday when your risk department finally answered she claimed she could not hear me and hung up on me! I then had to call all over again and wait on hold again for 2 hours. I was able to speak to a customer services representative who took the time to read the notes on my account and determine no card was ever mailed to me at all!! As your risk team never removed some type of hold which enables your system to issue a call. This was very upsetting to know I have wasted hours, days even, weeks and to find nothing has been done. As I sit here typing this letter I am on hold once again in hopes to reaching someone. This is horrible to make people go through this. While a may not be a actual banking customer of Bank of America, by default I am and should be treated as such. This is the poorest I have ever been treated. Please accept this as my official complaint on how horrible it has been to do business with your company. Today XX/XX/XXXX I have been on the phone on hold for over 2 hours, still waiting to be transferred to the fraud/risk department as they are the only department that has the ability to remove this hold off my account to allow thier computer systems to ship me a replacement card. Meanwhile none of my bills are being paid and I have no other way to access my money. This is so unfair. 

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 2016-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX, as WaMu was being taken over by J.P. Morgan Chase, I was entered into a Trial Modification. Though we did not yet know what this was at the time, I was also " Dual-Tracked '' into Foreclosure. 

I was not given credit for my 18 months of Trial Payments that I made, or two full mortgage Payments paid prior to that Modification. I was forced to litigate against J.P. Morgan Chase, my lawyers and I protecting my Property from many Trustee 's Sales and aggressive actions to force me from my home. 

My loan, acquired by Chase when it took over all of WaMu 's assets, was on a property in a prime XXXX, CA zip code, a home that I had owned since XX/XX/XXXX. My loan was not a Sub-Prime loan. In fact, WaMu had held on to my loan as a positive asset, not bundling it and not selling it as a collateralizing and compromised asset. J.P. Morgan Chase now held that asset with no investors or lenders to answer to. 

After 4 years of litigating the matter, and after the Attorney Generals ' XXXX Dollar settlements with Chase and other lenders over Mortgage and Modification abuses, Chase finally made a corrective Permanent Modification of my loan. That 's the good news. 

The bad news and what I need your help with is that Chase added a {$230000.00} Deferred Principal Debt on the back end of my Principal Interest Bearing Loan. 

I challenged the additional debt that turned a {$620000.00} mortgage into an {$810000.00} debt, but was threatened once again with the imminent and still pending Foreclosure and Trustee 's Sale of my home. 

That was while the mortgage was once again being modified. Chase Collections was separately adding this additional burden, while threatening that were I not to accept it, I would lose my home. 

It was my understanding that this was not allowed, per the Settlements and Government Guidelines. I asked Chase to provide a breakdown of how it arrived at the {$230000.00} figure and it never provided a detailed accounting. 

Chase was essentially still punishing me financially for the very abuses that it and WaMu had prosecuted against me and my home. I honestly care not whether any of these abuses regarding my loan were international, but the results were nonetheless abusive. 

I have no issue with the Unpaid Principal Balance of {$540000.00} on the Loan. I need your help in removing the Deferred Principal Balance of {$230000.00}. 

That outrageous amount is only {$10000.00} shy of what I originally paid to purchase my home in XX/XX/XXXX. Chase once again took advantage of and abused even the good faith process of reparation that the Modification was meant to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Westlake Services, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Westlake Financial has taken it upon themselves to start charging their customers {$5.00} to pay their bills with a debit or atm card. It is free to using a checking account but not everyone has a checking account and after reading about the recent government action against them from the CFPB I am not comfortable giving them my checking account information. it is also not right to charge your customers to pay their bills. XXXX, XXXX, XXXX, my apartment rental company does not charge me to go on their website and pay my bills. The company is offsetting the government action against them by making the consumer pay a fee to use their website to make, for me an auto loan payment. Westlake needs to remove the {$5.00} fee and allow their customers to pay their bills free of charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-20
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed