BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: World Omni Financial Corp.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The company I work for purchased several radio stations from a company selling off all it 's inventory. Included with that sale was a XXXX pickup truck. During closing, the main focus was on all the regulatory paperwork with the FCC, XXXX and other companies regarding the radio stations and transmitters, and the XXXX was over looked until it was time to re-register and re-title the truck in the new companies name. At that time, it was noticed that we only had a copy of the title, and not the original. We worked with a previous XXXX of the company to get the required title paperwork willed out and notarized. However, the truck was originally financed through World Omni Finical Corp., and was paid off XX/XX/2008. I have tried over a dozen times to contact World Omni Finical to get a letter stating that the truck is paid for and they have no further interest in it. All I get for the several hours on hold is the run-around, with out anything ever happening. We currently have a bill of sale, a copy of the title showing it was paid off in XX/XX/2008, current insurance in our name, and a partially filled out and notarized replacement title request. The only thing holding us up in getting the title transferred is a letter from the previous lien holder ( World Omni Finical Corp ), releasing all claim to the truck. 

I am asking for help in getting World Omni Finicial Corp to produce this letter, so they are not longer preventing us from using our own truck!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Rewards

Complaint:
This complaints involves an offer to receive XXXX Delta reward points if I applied for the American Express credit card and spent {$1000.00} in 3 months. 

XX/XX/XXXX I applied for this promotion. The offer was if I spent {$1000.00} within 3 months, I would receive XXXX on my sky miles account. On XX/XX/XXXX, I was going to plan a trip using the XXXX sky miles that I expected to be available on my account. When I looked, the promotional offer was not applied to my account. I contacted American Express this morning and spent 33 minutes with a gentleman, who began to look into this matter. After 33 minutes of holding and not hearing anything more I hung up. I called right back and got a lady who gave me a complaint number of XXXX. She indicated that my inquiry would take 6-8 weeks to investigate. 

Please look into this for me. Since I met the requirements, It seems that the sky miles reward should have been applied in a timely manner as advertised. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The alleged debt that Midland is trying to collect upon is not mine and was never opened by me. There is no original credit line that this stems from on my credit report as it was removed for being fraudulent and the original creditor ( XXXX ) was unable to verify it 's legitimacy. I have tried time and time again to try and have this collection account removed from my credit report to no success except for on XXXX where it was removed for being fraudulent and not being able to verify it 's legitimacy. Since it has been removed from XXXX it should be removed from XXXX as well as XXXX. They continue to harass me and now they are trying to take me to court over this alleged debt. This is causing me undue stress and I need it resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: NJ
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:
Navient has incorrectly set up autopay on my student loan account 2 times due to agent/ representative error. I spoke with an agent on XX/XX/XXXX who suggested that I set up the auto pay and make payment online to avoid any agent error. I made a payment and set up auto pay XX/XX/XXXX. After getting a credit report alert that my credit score dropped XXXX points due to a 90-day past due reporting from navient, I called the company asking how this happened when I set up autopsy 2 times in past and just made a payment online through their company website. I made this call on XXXX. I spoke with an agent who stated that the autopay payments were rejected by my bank, noting the account did not exist. I then explained that the last payment on the account was made with the same account which is an account my employer, XXXX deposits my checks in. A supervisor then spoke with me, apologized and asked for the account routing number and account number I gave for the auto pay. I told him what the account and routing numbers were 2 times when he finally told me that the agents who set up the auto pay mixed up the numbers in my account whiched caused the auto pay set up to fail and be rejected by my bank. Due to their agents mixing up my account numbers when setting up auto pay, and a faulty online payment system, my account still shows as past due, even though I have proof of payment made and accepted by the company XX/XX/XXXX and XX/XX/XXXX from my bank with the same account number, 3 failed auto pay set up due to agent error, and a credit score which has dropped XXXX points bringing me from the XXXX 's to the high XXXX 's a poor credit rating after being reported 90-days late due to their agents/company error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Navient Solutions, LLC.
State: FL
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:
XXXX loans I consigned with XXXX XXXX ( nephew ). 
I have set up repayments for XXXX loans Loan NumbersXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. I have the payments at twice the minimum amount due to pay loans off asap. 
Bill pay is set up to be received on due date, on XXXX 2016, I recieved a letter stating loans are past due. I called XXXXNavient to see where the problem occurred I spoke with a disinterested employee who told me my payment was late. I escalated to a supervisor who seemed to be equally disinterested in understanding the issue and simply said he would waive the " late penalty ''. 
I called Navient back with my bank on XXXX XXXX and spoke wXXXX who seemed only interested in telling me that he understood, yet I was still late and my payment of {$100.00} was split between XXXX loans. Did not seem to care or hear, although I repeated myself about 10 times that over the last four months I have sent them a total of {$1200.00}, yet they are only crediting the loans with {$400.00} payments, accuring interest and late fees. My bank has sent NavientXXXX with proof of payment, yet I just got off the phone with " XXXX '' who seems to be a reject from the IRS, who kept repeating his Scriptnot acknowledge anything I had to state ... but was sorry for my frustration and continued to ask me to repeat my self. 

I want, IN WRITING, a letter from NAVIENTXXXX an accounting of payments made on these loans and the interest charge on any " outstanding balance '' and late payments removed from these loans, PLUS I want credit for my time to correct this, I make {$25.00} an hour and have spent 3 hrs spinning my wheels with these less than professional employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a HELOC with Bank of America. It was originally written by Countrywide and sold some years ago to BOA. I have a BOA checking account used exclusively to autodraft my monthly interest payments to the BOA payment center for this loan. 

I just learned today that the autodrafts were stopped and my loan is in foreclosure. No one at the branch bank could explain this. They put me on the phone with BOA mortgage, which then sent me to the foreclosure department, where was told that a Reinstatement Letter was being faxed with my amount due on it, and that i would have it in 1-2 hours, and then could obtain a cashiers check from the my BOA branch, which they could overnight. After that I would have to call and write several other people to get my credit reinstated and the attorney fees and late fees returned to me. This took 90 minutes on the phone while in my branch office The fax number I gave was my branch managers number. 

When I returned, I was told no one received a fax. I had to call the Foreclosure department again, who this time told me it was impossible to get an amount to pay them for three days. 

The underlying facts are : I have the money in my BOA account. I never stopped the autodrafts. No one at BOA can explain how they stopped - not even their technical support division. No one at BOA will ALLOW me to pay them. And, they have found a way to add unknown late fees and attorney costs - while destoying my creditworthiness to all - without my knowledge and while I was enrolled in their system to make all payments promptly. 

ALL of my recurring payments - XXXX mortgages, utility bills and alarm monitoring at XXXX properties in XXXX states, etc. are handled using automatic drafting because I travel for months at a time and am not present to make payments or to receive mail. BOA has designed a system in which its customers are put at great risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Issue: Billing disputes

Complaint:
I attempted to make a flight reservation between XXXX and XXXX departing XXXX/XXXX/XXXX, returning XXXX/XXXX/XXXX. I did this through XXXX, using my Bank of America Visa card. When I was emailed a copy of the reservation, I called the next day to report that the reservation was incorrect, in that it had us leaving and returning in the same day, XXXX/XXXX/XXXX. After several days, someone at XXXX called and told me that they do not make mistakes. I have a screen shot of my request to XXXX for the XXXX dates. They told me that to change the dates from XXXX to the original dates that there would be substantial change fees and higher priced tickets, if flights were available. We canceled the trip and disputed the charges ( to XXXX and XXXX, although I had contact only with XXXX. The airlines have disputed my claim, saying that the reservations were legitimate, and Bank of America is siding with them and saying I must pay the approximately {$1700.00} charge. Apparently, XXXX sits in the background. 

This charge, as well as the underlying reservations are incorrect. I asked XXXX yo correct the dates and their mistake and they would not do so. Bank of America is refusing to look into this any further. 

Can you help me? 

Thanks, 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 2016-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
I applied for a credit card balance transfer at 12.24 % after 18 months at introductory 0 % rate with a 2 % balance transfer fee with Chase Bank on XXXX XXXX, 2016 on a credit card I have had for a very long time that was recently paid off. I was requesting a transfer from a XXXX credit card I have through my credit union, XXXX XXXX XXXX XXXX. The expiration date of the offer was XXXX XXXX, 2016. It said it would take up to two weeks for the offer to process. I checked online and it showed my transfer as processing for a couple days, but shortly after the request I was unable to access the entire balance transfer section online, including the offer page and transfer status page. When I called yesterday after waiting the alotted two week period with no transfer going through, they told me it did n't go through due to suspected fraud and that they tried to contact me, and said they would not honor the balance transfer terms since they had expired. I could instead do a balance transfer for only 12 months at 0 % with 12.24 % after but with a 3 % balance transfer fee. I was never contacted either through email or phone about this suspected fraud and was as stated unable to access the area online before the phone call. When I went online immediately after the phone call, suspiciously all of the information was again accessible with just the currently active balance transfer offer available. 

I am concerned that they were doing some sort of bait and switch to get more out of fees and a shorter 0 % period. I told them I was uninterested in that offer at this time after the customer service rep offered to do the transfer with the current higher fee offer right there over the phone. I am also concerned that they are doing this with other customers as well, and I just wanted to share my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MD
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:
I have been set up for automatic debit payback. At the beginning of XX/XX/XXXX it said I should be paid off by XX/XX/XXXX with only XXXX dollars left. XXXX did I know they were skipping payments and saying some months I have not owed anything for the month. In part I think to extend the loan and collect more interest. When I asked them they said oops we 're sorry it must be a glitch. We will take care of it for you. Now this year as of today I owe XXXX and have an estimated XXXX. Now something does n't add up because If payments were being debited I would have had more than XXXX dollars off the loan because my payments are XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX, I sold my interest in a XXXX, and divorced my husband who immediately moved back to XXXX. He and the other XXXX XXXX kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
In 2013 I had to file for Chapter XXXX Bankruptcy. Originally my loan was managed by XXXX XXXX, but they have since sold my student loan to Navient. I continue to get harassed 7 days a week even though the representatives know that I am under bankruptcy protection. They continue to call me every day about my student loan. I refuse to answer the calls as it is harassing for them to continue to call me knowing that I am under bankruptcy protection when I speak to a representative. I ca n't access my account online or do anything as the representative that I spoke to confirmed that my account is locked from internet access as I am showing my account under bankruptcy. Now, they 've submitted a very low report onto my credit despite my previous conversations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Once again, this is very frustrating, I have process this complaint with CFPB and all equifax does is update the same information and no one is holding them accountable so I 'm going to explain this one last time and I am taking legal action because what Equifax is reporting on these XXXX accounts IS ILLEGAL!!!! EQUIFAX IS NOT REPORTING THESE ACCOUNT CORRECTLY!!!. Lets start with the XXXX XXXX account. XXXX HAS SOLD THE ACCOUNT TO XXXX, However, XXXX? XXXX PHONE, NAME NUMBER AND ADDRESS IS STILL LISTED ON MY CREDIT REPORT. NOONE AT XXXX CAN ASSIST ME WITH ACCOUNT THEY HAVE SOLD THIS ACCOUNT, THEY CANT TAKE PAYMENTS, THEY CA N'T DISCUSS THE ACCOUNT XXXX ONLY XXXX CAN XXXX BUT YET EQUIFAX HAS REFUSED TO UPDATE THIS INFORMATION ON MY CREDIT REPORT.STOP UPDATING THAT IT HAS BEEN SOLD. STATE THE NEW OWNER ADDRESS NUMBER AND ADDRESS IF EQUIFAX CONTINUES NOT TO UPDATE THE CORRECT INFORMATION I CAN NOT WORK WITH XXXX WHO IS NOW THE " RIGHTFUL OWNER OF THIS ACCOUNT '' I want XXXX? XXXX to UNDERSTAND PUTTING IN THE NOTATIONS THAT THE ACCOUNT IS SOLD AND NOT LISTING THE NEW OWNER TO RESOLVE THIS IS AGAINST THE LAW. I WANT EQUIFAX TO EITHER REMOVE THIS ACCOUNT BECAUSE I HAVE EVERY LETTER AND RETURN RECEIPT WITH THIS REQUEST OR IMMEDIATELY UPDATE THE NEW OWNER OF THIS INFORMATION. I AM APPLYING FOR A HOME IF THIS ACCOUNT PREVENTS ME FROM DOING THAT XXXX I WILL SPENDING EVERY LAST DIME TO SUE EQUIFAX FOR REPORTING INCORRECT INFORMATION. NOW FOR THE SECOND ACCOUNT XXXXTHIS ACCOUNT HAS BEEN PAID!!!!!!!!!! HOWEVER YOU ARE STILL REPORTING THAT THERE IS A BALANCE ON THIS ACCOUNTXXXX EQUIFAX CLAIMS THAT IT IS VALIDATING THESE ACCOUNT BUT YET. I AM THE ONLY ONE HERE VALIDATING AND CHECKING AND TRYING TO CORRECT THIS MISINFORMATION AND INACCURACIES THAT ARE BEING REPORTED BY EQUIFAX. EVERY OTHER CREDIT REPORTING AGENCY UNDERSTAND THIS AND HAS UPDATED THEIR RECORDS HOWEVER FOR SOME REASON EQUIFAX DOES N'T CARE. cfpb*********** PLEASE AS A GOVERNING AGENCY REMIND equifax OF WHAT THEY ARE SUPPOSE TO DO, THIS IS MY LAST LETTER AND REQUEST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received an email from American Express Serve stating that I had a negative account balance. After reviewing purchases I noticed that serveral charges had been charged twice to my account. I called AMEX serve to try and resolve the issue only to find that XXXX could not get through to customer service due to technical difficulties. This went on Friday, Saturday, and Sunday. Sunday the issue was resolved without any notification or explanation as to what happened. Then on Monday the issue resurfaced once again and after holding for two hours I was able to get through to an agent whom blamed the store for charging my card twice although they only swiped once. After a dispute was opened I was then transferred back to the customer service department in which I would attempt to address the issue of both current and previous duplicate charges and what they could do to take care of the late fees I incurred by not having access to my funds. I was told they could do nothing and then was hung up on because I recorded the phone call. This issue first occurred from Wednesday and lasted until Sunday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
The above investigation was completed XXXX/XXXX/XXXX with obvious ( on the face of the record ) erroneousresults.I had disputed that the creditor '' re-aged '' the account by changing the accurate date of first default from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I HAVE INCLUDED FACTA REPORT NO. XXXXFROM XXXX/XXXX/XXXX where the DoFD reports correctly as it had the previous 5 years. 
During a telecon with Equifax upon receipt of results, the CSR from EQUIFAX realized the verified info. was wrong as the DoFD, DoLP, Do M D1st reported, all are XX/XX/XXXX, which is an impossibility in any case, does n't make sense, yet she did n't delete, as she should have. 
I have also included report no.XXXX dated XXXX/XXXX/XXXX where the disputed accountdoes not appear on the report at all..it was suppressed/deleted prior.

Company response to consumer: Closed with explanation