BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Credit offered a settlement option which was fulfilled but never informed XXXX XXXX XXXX that the account was settled in full. I spoke with SW XXXX and they offered me a settlement of XXXX which was spilt into XXXX payments of XXXX. First payment was taken out of my account on XXXX and the other was taken XXXX XXXX. The supervisor I spoke with advised that I would get a paid in full letter after the second payment. An agent called me a couple days after the second and final payment and stated that I still owed a balance of XXXX. I then explained to that agent that I had already settled in full. He said the account was n't closed correctly and he would close the account correctly and that I would get a paid in full letter. I never got a paid in full letter, but I id see that it was credit reported as XXXX and zero balance. Then on October, XXXX I got a call from a different collection agency saying I owe a balance of XXXX and I never settled in full. I called Southwest Credit back and they said for the third time that they are sending a paid in full statement. I also called XXXX XXXX XXXX and they stated that Southwest Credit NEVER reported the payments nor did they report that the account was settled. It was still showed as an open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am a user of a Chase Sapphire Preferred credit card which awards points based on purchases which can be later redeemed for airplane tickets or hotel stays. To redeem the award points, you contact the Ultimate Rewards Department and request your specific travel award. Chase then informs you of the cost of the ticket for the award to be redeemed. Chase does not inform you that the prices it is quoting may be non-competitive compared to purchasing the same ticket through a travel company or using a different credit card service. The earning of the travel points is the inducement to use the card credit but there is no disclosure that when you redeem you will be offered an uncompetitive price. This evening Chase quoted the lowest fare for the flight requested at {$150.00} but the same flight was offered at the same time on XXXX at {$55.00}. When i complained the response was that they do not have disclose that their fares may be uncompetitive - it was not part of their " marketing '' to disclosure the drawbacks of their program. If asked, they will disclose fares may not be competitive but only if asked. This is deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Southwest Credit Systems, L.P.
State: CA
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:
( The choices above do not accurately describe this situation, I selected the one that I felt was best. ) Southwest Credit Systems ( SWCS ) has been reporting a collection account on the XXXX main credit bureaus for a XXXX account ( # XXXX XXXX since XXXX/XXXX/2015, in the amount of {$330.00}. SWCS was made aware of the fact that these charges are not accurate and in dispute based on the cramming activity XXXX was engaging in ( Federal Trade Commission v. XXXX XXXX , XXXX ). 

I was not contacted by XXXX, as I have moved from my previous address and never received information from them regarding Federal injunction or class action. I only became aware after reviewing my credit report and researching online. An online page was set-up, by XXXX, to aid in getting information regarding old/closed accounts, but it has since stopped receiving new complaints or allowing for review of old/closed billing information. 

I do not think the balance {$330.00} being reported by XXXX is correct and they refuse to change or cease collecting on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
For the second time, Bank of America turned off the email alerts I normally receive that alert me that my monthly bill is coming due. For multiple months, I did not receive this alert and now my bill is past due. I have more than enough money to pay the bill and have now done so, but I incurred late fees and charges that I should not have.

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 2016-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 my son, XXXX XXXX XXXX, died. He had set up a living trust with his XXXX sons as successor trustees. He had created a trust banking account with Chase Bank. There are funds in that account totaling approximately {$450000.00} which the bank has thus far refused to release to the boys. It has been 5 months now and the account has only accrued {$13.00} in interest. This appears to be criminal in my opinion. The boys wish to invest in homes for themselves with these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up to the dispute against ref # XXXX under which Chase responds to a complete different loan than the one in question. 
My inquiry on loan # XXXX is under XXXX XXXX XXXX XXXX XXXX XXXX - in which I am one of the shareholders. Since the loan documents indicates that all outstanding mortgages were pledged as collateral to loan for $ XXXX issued in 1996 by XXXX XXXX XXXX Co who was later acquired by your institution, and being that I am a direct party involved in a collateral I was not informed about, I need your confirmation as to whether my mortgage was one of the loans pledged against the above loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have been making on-time payments on this line of credit until furloughed from my job in XXXX due to COVID-19. I informed Wells Fargo of this fact. They put me an a covid relief plan but did not stop charging me interest. But they also closed my account. 

I received a response dated XX/XX/2020 informing me that they will extend my covid disaster payment relief only until XX/XX/2020 as well as waiving the interest fees previously levied. However, I now see an interest charge of {$67.00} posted on XX/XX/2020. 

I am still unemployed as my furlough has been extended to end of 2020 and have no ability to continue to make payments from XXXX especially with interest charges. I would not want to default on this account. 

I would that Wells Fargo suspend interest charges and payments on this account till the end of 2020. Alternatively, I can make a lump sum payment of {$1000.00} in consideration of full payment on the account. The account balance is {$2600.00}. 

I do want to do the responsible thing and pay off this account, but I need Wells Fargo to do the right thing as well. Considering the extraordinary circumstances. I would think that given all the issues Wells Fargo has had with unethical practices towards consumers you should take an extra effort to act in an ethical manner.

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 2016-07-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am XXXX XXXX military currently XXXX. I XXXX in XXXX and as of XXXX am still XXXX. In XXXX Chase says they sent a letter saying I needed to contact them or they would close the account for non-use. In XXXX, they closed the account. I only discovered this when my credit monitoring service notified me that a change had happened to my credit profile. I tried contacting Chase and explaining that I was on military XXXX and did not receive the letter nor have any opportunity to respond to it in the time allotted and requested that the account be reinstated but they refused to discuss the account with me and continued to put me on hold, presumably to transfer me to somebody who could help, and then disconnect the call. I have been a customer with Chase for more than 10 years and have never missed a single payment. I also have XXXX other credit cards with Chase as well as a home mortgage. I have never had a late or missed payment, and my credit report has a perfect history, so there is no valid reason why they closed my account. Any lack of use recently has only been due to frequent XXXX. I even asked specifically to speak to the " Military '' department of Chase, who is supposed to specialize in helping service members, and I was gain put on hold and then disconnected, never being permitted to speak to anybody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I owed XXXX to chase at the end of the day my wages were garnished more than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Bank of America I requesting your assistanceAt anytime XX/XX/XXXX - XX/XX/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: COAST PROFESSIONAL INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My mother used my information while she was living with me to take out a student loan ( also maxed out credit cards in my name ). I have already reported identity theft and filed a police report. Company will not remove the negative collection from my credit report. The amount is around {$7100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a trial modification and after succesfully completing my trial payments I had an issue where I could not get the final paperwork notarized because my id did not have my middle initial even thou original loan paperwork did not have it. I told my lender about issue I was having, I was told to go apply for a new id that had my middle initial on it. When I tried the dmv said I had outstanding tickets in a different state and had to clear that before I could get a new id issued. I informed my lender about this and was told not to worry, to just keep them informed and keep trying to get issue resolved. I called the state agency I was referred to to clear this issue and got issue resolved and just had to wait for the states to clear up the misunderstanding. When I called lender to give them an update they had already began foreclosure process when they said I didnt have to worry about that. My original loan paperwork did not have my middle name so I dont know why they could not isuue me paperwork without my middle name. Also The fact that I could not get a new id was not my fault as it turns out I had never set foot in other state claiming I owed tickets so I feel I should not be punished for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank of America was sending my statements to somewhere unknown. Bank of America invalid info they had on file for me. 
XXXX XXXX XXXX XXXX, XXXX, Florida XXXXthe person that used that money was n't me and I refuse to pay it. They put interest that brought it up to XXXX and added a charge off on credit. They made me look delinquent with their mistake. Trying to make me pay for stuff that I did n't do which is not right. They have the wrong address and wrong phone numbers for me I have utility bills going back to 2010. So their information is false and I have proof. I called them last week seen what they had on file and told them to update my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I opened a Chase XXXX credit card on XX/XX/XXXX My XX/XX/XXXX statement indicated a 0 % APR with an " Expiration Date '' of " XX/XX/XXXX. '' The statement also read, " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through your billing cycle ending with the expiration month and year shown in the Interest Charge section. You must continue to make your required Minimum Payment Due in order to continue to receive applicable APRs. '' Accordingly, due to the language " ending with the expiration month and year shown, '' I set a payment to pay the balance on XX/XX/XXXX 

Before that date approached, I checked my last statement from XX/XX/XXXX just to make sure that nothing had changed. Sure enough, that statement indicated an " Expiration Date '' of " XX/XX/XXXX, '' not the previously indicated XX/XX/XXXX. Furthermore, the statement read " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through the expiration dates shown in the Interest Charges section. '' The statement did not include the language " ending with the expiration month and year shown '' from previous statements. 

As soon as I noticed that, I scheduled and paid a payment to pay my balance on XX/XX/XXXX. Nonethless, my XX/XX/XXXX statement indicated an interest charge of {$26.00}. While the interest charge is minimal, I think the change in language between the statements is at best misleading and at worst a deliberate attempt to mislead and get an interest payment from a regularly paying customer who 's never made a late payment in his life. I imagine others could wind up paying much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Account information incorrect

Complaint:
XXXX is reporting an old account on my report, via Onemain Financial, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Onemain Financial provide evidence that I have not settled this account or it is I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Onemain Financial and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Onemain Financial a dime, and they know it, and XXXX   should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I applied for a Bank of America Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was XXXX could n't work. I could not afford to make payments. Bank of America sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. XXXX, XXXX XXXX XXXX, XXXX is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I attended XXXX College XXXX and I needed some additional funds to further my education '' I graduated ''. Once I completed my degree I began to hunt for employee in my field like a lost leaf in the big city. I found know work in my field so I began to look at other options, jobs that could help me pay my debt. After almost a year I started to get worried because I had n't heard anything from the bank, so in my mind I felt like I had time still because any creditor/lender is required to send you a notice of when your bill is due and this did n't happen for me. So I reached out to Chase when I found employment and asked if I could make some arrangements and I was told know. So now it 's been two years of going back and forth with them and nothing. I need help with this, any suggestions would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Rewards

Complaint:
To Whom It May Concern, My name is XXXX XXXX. I have Chase Freedom credit card from Chase Bank. The Chase Freedom credit card comes with a card holder benefit that you can earn 5 % cashback bonus on certain spending categories each month offered by the Chase Bank. 
I have signed up the 5 % cashback bonus program for XX/XX/XXXX that includes spending at Supermarkets XX/XX/XXXX. I have XXXX Chase Freedom credit cards and I have always signed them up at the same time. 
Under the impression that I am eligible to earn 5 % cash back on spending at the Supermarkets, I have used one of Chase Freedom credit card for all my spending at all Supermarkets that I shop for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I did not see any cash back bonus earned on my credit card statement for these months. I finically made a phone call to Chase Bank questioning about my eligible 5 % cash back bonus, and to my shook they told me the only credit card that I signed up for the second quarter cash back bonus program is the one that I did not use at the Supermarkets and the credit card that I did use at the Supermarkets was never signed up for the program at all! 
What more troubling to me is this is not the first time that had happened with my Chase Freedom credit card that they claim I did not sign up the cash back bonus program and all my eligible spending were excluded from it. Chase Bank used to send out a confirmation email to the customer when they sign up for the quarterly cash back bonus program, but they have stopped doing that for the past few years. The only way consumer can verify their sign up status is view through Chase account online. 
I am like most of consumers do not do a screen print when you signed up the cash back bonus program, and that is where I believe the Chase bank had engaged in targeting certain high spending consumers who signed up the program, but do not provide them with any confirmation then later remove them from the program to eliminate their eligible cash back bonus and to boost the bank profits at same time. 
I believe I am not the only victim that had fall into their traps, and it has become a new tactic for Chase Bank to boost their profits by cheating on consumers like me. I believe Chase Bank 's actions have constituted a fraud and it worth further investigations by the Federal Government. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Select Management Resources, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been paying this loan for 9 months and still owe more than I borrowed which was only {$300.00}, this is outrageous. Also, I called to payoff the moan and the wouldnt take my final payment over the phone, only the interest payment and I told then I moved out of state. This is a horrible practice, are they trying to charge more money with this final payment process? They said I would have to go in for final payment or western union only and western union charges fees. I asked to speak with a district manager and one never called back and it's been weeks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief