BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020, my bank was insufficient to provide CashTime Title Loans {$82.00}. On XX/XX/XXXX I came down with something like a virus. But as we speak I still have it. Which isnt normal. I went to urgent care but they didnt give me anti-biotics and said I just had a virus. Our state wasnt testing people for XXXX.  So since then I have been off and on working. I took the news media advice by quarantining so I dont get other people sick.Between XXXX I didnt work at all. So my check today was really small. 

I called CashTime today around XXXX XXXX  today and told them whats going on. I said would you be willing to work with me. I made 7 on time payments of XXXX which totals XXXX and I only borrowed XXXX dollars. So I asked them I have given you XXXX bucks. I had no issues. But now Im really sick - probably from XXXX. I lost a lot of hours at work. I barely have enough for my rent money. Could I give you the remainder XXXX dollars. And we call it even? I no that doesnt include interest. But you have me at 179.15 % APR. normally I understand your running a business. But right now were living in different times - requiring 180 APR during this pandemic is quite hardcore. XXXX from CashTime said we can not do that. We cant just settle like that. I said okay. Well can I give you XXXX. That will cover some interest as well. She said all we can do, is you can pay XXXX dollars toward interest today and have two weeks to pay a normal payment. She talked to her manager and said there was something they could potentially do as well if I cone in. But it sounded like it would just be rewriting or refinancing a new title loan. Which isnt smart if thats true. Not sure what they were talking about. 

CFPB, I wanted to see if there was anything else that could be done. Because holding to that 179.15 APR although technically legal due to contractual agreements in the state of AZ, I feel is unethical and predatoral based on the time were living in.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-13
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My letter to Chase below outlines the issue : RE : 1 ) Account Number XXXX ( XXXX XXXX XXXX, XXXX PA XXXX ) and 2 ) Account Number XXXX ( XXXX New Jersey XXXX, XXXX, PA XXXX XXXX Dear Chase Research Department Representative : We have been a Chase customer for many years, and have had approx. 20 mortgages with Chase, and never once were we past due on a mortgage payment. Two mortgages were recently paid off, and this letter is regarding those two mortgages, which are referenced above. We currently have 15 open mortgages with Chase. 

Recently, you removed the two above referenced loans from auto-pay, the loans became past due, and you reported us 30-days past due. Please see the sequence of events below, and consider adjusting the derogatory credit reporting from both accounts. 

You supposedly sent us letters on XXXX XXXX, which I verified were sent by your call center Rep, but we did not receive the letters. In the letters, you informed us that you would send us the payoff amounts by XXXX XXXX. 

You did not send the payoff amount letters, which I confirmed yesterday ( XXXX ) with a Chase Rep. during a phone conversation. 

Instead, on XXXX XXXX, you sent us past due payment notices, which we received on XXXX XXXX. 

We contacted your office the morning of XXXX XXXX. The Chase RepXXXX calculated a XXXX day per diem, and asked that we overnight the payoffs so they will match the balance he calculated. However, not once did he mention that our credit may be affected. 

On XXXX XXXX, we overnighted the payoffs to you. 
You credited our accounts on XXXX XXXX, and reported to the credit bureau agencies that we were 30-days late for the XXXX XXXX payments. 

We are applying for a refinance on our primary residence, and your derogatory reporting was brought to our attention because it affected our scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions 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:
I was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious accounts.

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 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I have banked with Capital One since XXXX. We have a checking account and savings account that are joint accounts. We also have a XXXX XXXX account and a CD that are not joint accounts. We have tried for the last year to get Capital one to make sure that all of our accounts with their bank are set up as joint accounts just like our checking and savings account. For whatever reason and after numerous calls and hours spent on the phone with them, no one seems able to help us change these accounts to joint accounts. I have written to them and never received a reply. Just last week my wife spent over two hours on the telephone and spoke to various levels of customer service personnel and supervisors. But again with no results. My wife needs to be joint account holder on all of our Capital One accounts in case something was to happen to me for her to be able to access our funds at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX my mortgage payment was {$770.00} ; an amount unchanged since XXXX XXXX. An increase resulting from an escrow analysis raised my mortgage payment in XXXX XXXX to {$850.00}. It was explained that this was due to taxes and insurance. Then in XXXX ( 3months later ), my mortgage increased to {$1000.00} with no notice or explanation. Upon inquiry, I was told that again this was due to taxes and insurance. I continue to try to get an explanation as it does not make sense. My taxes have not increased more than {$100.00} per year. My insurance has not changed since the last escrow analysis. How can my payment go up almost {$300.00} per month? How can I have two increases within 3months time? I received a tax delinquent notice in XXXX XXXX because the mortgage company did not pay taxes that were collected in my payments. There are penalties and fees associated that I should not be liable for. Are those fees being passed on to me? I pay my mortgage on time and in excess of the amount due each month. This increase is excessive and unexplained. I am willing to self-pay my taxes and insurance as I have more than 75 % equity in my home to resolve this escrow collection issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, 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:
On my Credit Report ( see attached ) : Former Address ( es ) 1 ) Equifax - It shows that I lived in Louisiana, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which is not correct. All my life here in the United States, I've only lived here in XXXX XXXX County California area. 

The Following AKA ( s ) were reported 2 ) XXXX - I have an AKA on my report as : which is totally not me. 
XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2022-09-06
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On the day of XXXX XXXX I signed a contract with BMW to purchase a XXXX XXXX XXXX. At the price of XXXX with a balloon payment. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract BMW did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of XXXX within 20 days of this notice by law. 

While making payments of XXXX  with a very high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: GA
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/2022, I, XXXX : XXXX, XXXX American Express in regards to a billing error on my XXXX XXXX XXXX statement in the amount of {$2900.00}. This billing error shows American Expresss failure to reflect properly on my statement pursuant to 15 U.S.C. 1666 ( b ) ( 4 ). If there is a balance owed, it should be in the negative but it is clearly showing a positive amount. This positive amount is considered to be a credit balance in excess of {$1.00} created for American Express to hold for my benefit pursuant to 15 U.S.C. 1666d. I am requesting that the treatment of this credit balance be credited back to my account and refund any part of the amount ( by check in the mail ) of the remaining credit balance to me each month. I am also requesting that American Express send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to XXXX XXXX. American Express must refrain from any adverse action which includes restricting or closing my account pursuant to 15 U.S.C. 1666 ( d ). Any adverse reporting to any third-party agency in regards to the amount in dispute must be avoided for ( 60 ) days pursuant to 15 U.S.C. 1666a ( a ). Please find enclosed copies to support my claim. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: FC HoldCo LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First all I will admit Ive struggled with paying on time. Now that I have a financial coach I am working towards paying on time. On XXXX i logged into my account with Flagship Credit Acceptance to see the exact amount of late fees I owed ( {$57.00} ) therefore owing a total amount of {$320.00}. I then called customer service at XXXX ( XXXX ) XXXX the rep I spoke with I told him I wished to pay my entire balance. I then gave him permission to use the bank info on file. On XXXX I logged back into my account only to find out my regular monthly payment posted and not the late fees payments. I reached back out to two different customer reps only to be told theyre holding the funds I paid to clear up late fee until i make my next payment on timewhich is on the XXXX of XXXX. I told them there is no way they can hold my money and I will be filing a complaint. This can of practice is very shading ; with that balance still on my account they are collecting some interest from it. Im sure this is being done to many others.

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 2020-07-22
Company: EQUIFAX, INC.
State: GA
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: F.H. Cann & Associates, Inc.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX XXXX  on their personal line

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: AMA Advisors, LLC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
HomeBridge Financial Services reported a negative account to my credit file, which means Bankruptcies, liens, garnishments and other judgments. This significantly dragged my credit score down and would stay on my credit file for at least XXXX years. Because of this, I failed my application to buy my dream house. This was totally inaccurate and unprofessional. I 'd like to provide all the correct information below. 
**** HomeBridge Financial Services started my mortgage loan on XX/XX/2016. I paid {$4400.00} in XX/XX/XXXX to cover the period from XX/XX/XXXX to XX/XX/2016 by check. The monthly payment was {$2000.00}. I set up a monthly ACH drafting in XX/XX/XXXX, and I received a confirmation letter that shows the ACH drafting autopay has been effective on XX/XX/2016. Then HomeBridge auto charged the amount of {$2200.00} on XX/XX/2016 from my bank account. 
On XX/XX/2016, I received the letter to notify me that HomeBridge has sold my loan to XXXX XXXX, and it would be effective XX/XX/2016, which means the payment I just paid on XX/XX/XXXX was the last payment to HomeBridge. In the meantime, I received a bill from XXXX on XX/XX/2016 to ask for {$2200.00}. I sent the check to XXXX as well, which ended up with I paid {$2200.00} twice in XXXX. Other than that, I never stop the autopay with HomeBridge, so if there 's a bill there, they would auto charge my money from my autopay account. All these above just shows that I always take my responsibilities, and never paid my bill late. 
However, HomeBridge reported me a negative account on XX/XX/2016. On that day, the new loan mortgage XXXX already collected XXXX months payments from me. How would they report me a negative account?! I have kept all the transactions in record, monthly payments from my bank account in pdf file, the auto pay confirmation letter form HomeBridge, and the letter when they sold my loan to XXXX. 
I was applying for buying another house, but the negative account reported by HomeBridge horribly affected my application. I really like that house, but I can not get my loan application approved since the negative account. So I lost it. 
I contacted HomeBridge Financial Services office several times at XXXX, and left many voice mails, but I got no response from them. 
I 'd like to provide all the documents I have kept. And I need HomeBridge to give me a solution how they pay my damage caused by them due to their errors.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I tried to withdrawal approximately {$4300.00} usd on XX/XX/XXXX. After reaching out to determine why I am unable to, I was advised that fraudulent activity took place on my account. I was unaware of this and have yet to see any proof that there was fraudulent activity. The only digital currency I currently hold is XXXX. Crypto.com stated that there was a {$3500.00} transaction for XXXX. There are no eth funds in my accounts. Crypto.com is restricting me from accessing any of my funds. Even those that exceed the amount of {$3500.00}. I am requesting that this be further investigated. I have offered to supply statements showing that I did not make that transaction and do not feel it is legal for them to hold additional funds. 
As of XX/XX/XXXX, the company is asking me to reach out to a bank that I do not bank with. That bank will not provide me with any information for that reason. Crypto.com did not address the concerns of how they are allowed to keep my funds from me. They are keeping me from an asset that is not XXXX, nor is it the amount mentioned. There have been times my shib exceeded the value they are specifying and they still kept my funds from me and stealing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: U.S. BANCORP
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:
My account was labeled as a business account when in fact it was a personal account and they blocked online access to me. They allege that it was a banking error due to my mothers maiden name being inputted incorrectly by them. I went into the branch to fix it and they updated the account. Thereafter, I could log in but they had charged me excessive overdraft fees that I did not owe. They took off the fees but they reported it to my credit bureaus as delinquent, after they told me that it was corrected.

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