BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XX/XX/2017 I responded to an internet advertisement from Chase Credit Card company for a credit card ( Mileage Plus Explorer ) that would award XXXX miles to my XXXX Miles program if I would spent {$1000.00} in three months since account opening. I applied for the card electronically and I was qualified immediately ( I have other credit card accounts with Chase with excellent credit ratings ). Next day I saw a similar ad for the same card that offered a XXXX mile award to my XXXX account if I were to spend {$3000.00} in three months. I called Chase and talked to a customer service representative by the name XXXX and requested whether I could qualify for the higher award. XXXX indicated to me that if I were to spend the {$3000.00} in three months following account opening I would be awarded the XXXX miles. I went ahead and met the requirement by spending {$3000.00} in the indicated three month period, but when I checked my account I was awarded only XXXX miles. I called Chase again and talked to another customer representative by the name XXXX, and explained to her the promise made by the previous agent, XXXX, regarding the XXXX mile award. XXXX said that XXXX was wrong and she should not have promised me the higher award. However, XXXX indicated that there were some other programs that she would try and see whether she could satisfy my request for the higher award. After about two weeks I received a letter from Chase requesting that I forward to them an offer code that presumably Chase had sent to me through my account website. I had never received such a code. So, I called Chase again and talked to another customer representative, XXXX, who explained to me that such a code was not sent to me and that the only way to get the higher award is through a specific invitation sent to me from their marketing department. However, he did not indicate whether Chase was willing to do this in my case. Thus first, Chase through their customer service representative misrepresented their credit card program second, they have admitted such misrepresentation as an error and third, they do not seem to be willing to offer any rectification in an effort to mitigate their agent 's error. If such misrepresentation was not made, I could have spend the {$3000.00} on another credit card and received cash rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Brown Olcott, PLLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-31
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I submitted a Fraud Complaint to Navy Federal Credit Union for unauthorized transaction on XXXX XXXX, 2015 from XXXX XXXX, NJ in the amount {$20.00} I received letter from XXXX XXXX stating that the transaction was not a error. Also usually there a way to dispute online but I 'm unable to dispute if Navy Federal Credit Union is going to give option to processing fraud it should be available to all transactions. Please investigate Navy Federal Credit Union procedure on processing Fraud complaint and ALL Product and Services and ensure it working according to United States Federal RegulationsXX/XX/XXXX POS Debit - XXXX Check Card XXXX - XXXX XXXX XXXX NJ POS - {$20.00} {$350.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Woodward Capital LLC
State: MD
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:
Although my car loan is paid off and I have a letter from the lender to that effect, XXXX still reports that I owe a charge off of {$6400.00} to the lender. All effort to try to correct this wrong has been fruitless. The lender told me that they sent a letter to XXXX to try to correct the wrong to no avail. I sent a letter requesting that this foolish report be remove from my credit file and I even even enclosed the the title of the and paid off letter to no effect.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute with Transunion regarding an incorrect balance owed with a creditor, XXXX, which had n't updated my payment balance. My credit score at the time was XXXX. As the dispute was resolved in my favor, an XXXX updated my balance information showing I owed them less money, I expected my credit score to improve. After filing the dispute, my credit score DROPPED XXXX POINTS. I contacted Transunion, their representative indicated they would remove the dispute mark, but the score remains the same, at XXXX!!!!! I would like to know exactly what happened to cause my score to drop XXXX points. Something does n't seem quite right here. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I want Trans Union to removed the XXXX out information for the accounts being reported on my Credit report for years.

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 2022-04-16
Company: Upstart 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: Account status incorrect

Complaint:
I have contacted upstart numerous times as well as opened several disputes with every credit bureau regarding the inaccurate information regarding my payment history in XXXX of 2021 and XXXX of 2021. I have email statements verifying that I was never 30 days late in these months and yet none of my credit reports are being updated accurately reflecting my payment status with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  MaXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  MaXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My debit card was lost recently. I am a waitress, which means my only source of income is cash. Without my debit card I have no way of depositing this cash into my account to maintain my balance. In the past few days while waiting for my replacement card, I have had a few automatic payments taken out of my account which have sent my account into overdraft. Because of this I now have {$200.00} in overdraft fees. {$200.00} is over half of what I make in a week, which means I am now unable to pay my rent and some bills. I have spoken to a wells fargo agent over the phone and they said they were unable to waive the fees because they were valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We filed a Chapter XXXX bankruptcy that was discharged XXXX 2012 which did not include our home mortgage through Wells Fargo. This was included on the petition filed with the courts, however Wells Fargo did not respond to the request to reaffirm the loan. We continued to live in the house and make on time payments and even refinanced the home through Wells Fargo to take advantage of the HAMP program. However, Wells Fargo continues to report that the loan was included in our bankruptcy and show no payment records to all XXXX credit reporting agencies. We have contested this information several times only to be told the investigations were closed and that the information was reported correctly. I would like this corrected as this has been and continue to affect our credit file and is impacting our ability to gain a new mortgage.

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 2017-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX I had a home mortgage with Bank of America ( {$300000.00} ). In XX/XX/XXXX, I filed for bankruptcy. At this time, BOA sold this mortgage to XXXX. I had this mortgage re-certified with XXXX during the bankruptcy. Never missed ANY payments, loan was never in default either with BOA or XXXX. In XXXX of XXXX, BOA filed or claimed that my mortgage was delinquent and in collections at the sum of {$330000.00}? This information is reflected on my XXXX credit report as a " Collection Account ''. This false information affects my credit status, my credit score and is incorrect. I believe BOA filed my old mortgage, with ( fraud ) the government and reported my mortgage to the Feds to be reimbursed under the banking " bailout '' policies at the time. I need to have this discrepancy removed from my credit file and BOA needs to be investigated for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with XXXX, Transunion and XXXX at least 5 times in 2016. I believe the XXXX, Transunion and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit bureau company is unfairly reporting old credit card data from creditors even after I settled and paid these debts. I just want the negative accounts removed from my report so my credit rating can improve. I want to move on with my life and find affordable housing for my family.

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 2015-04-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I paid off my car expecting my title, but it has been over a XXXX weeks and I still do n't have it! Ally is telling me that they no longer have anything to do with my obtaining my title because they sent an email to California XXXX to release my title. California XXXX says they sent it over four weeks ago, but I have not received it. I have confirmed my address where the title should have been sent and it is correct, however, California XXXX does not track mail and now want me to complete a form requesting a duplicate title ( even though I never received any title ) and pay a fee. What a rip off!! Neither entity will get involved enough to PROVIDE ME WITH MY TITLE. I kept up my part of the deal and paid off my car, but they have neglected to send me my title.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opted in a COVID-19 relief program under the Care Act and have accrued late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

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 2017-04-04
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Interest Rate for Federal Student Loan Consolidation is too high! Based on how much I 've borrowed to pay for US. standard college costs and how much it has accumulated in the past years, it is unrealistic for any American citizen to pay their student loan balance within a reasonable given time frame. Based on an income-driven payment plan with regard to interest rate, my total balance for my Federal Student Loan Consolidation is almost doubled. Now imagine millions of Americans facing the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: GREAT LAKES
State: MI
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 've been paying on this private student loan for years. On XXXX XXXX, 2017 I received a letter from the student loan company stating that " We recently reviewed your account and created a new payment schedule. The previous monthly payment amount would not have paid your loan in full within your current repayment term, so your monthly payment amount needed to be adjusted. '' The new amount is over {$16.00} more per month. Additionally, when I submit a payment that is over the amount due the remaining portion is not added onto the loan each month. Its simply rolled over to the next month which they then say I owe less for that months payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America closed one of my credit cards without notice. Their explanation did not make sense, and was an error. They said I should n't have been approved in the first place. Now I am worried I have an inquiry and a short credit card stint showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX a payment request from my girlfriend via XXXX was accepted by me XXXX {$1000.00}. Two minutes after I approved payment, the recipient canceled the transaction on XXXX. Funds were still drawn on XXXX XXXX from Wells Fargo and sent to XXXX with a trace number provided. I contacted XXXX on XXXX XXXX and representative told me that since the recipient was party to cancel the transaction, it would still process and would automatically reject her account and be placed into my XXXX account after XXXX6 business days. I called back after 6 days and XXXX and was informed that they did not receive the funds from Wells Fargo. I called Wells Fargo and opened a claims investigation, and was told that a investigator would be contacting me within XXXX5 business days. I was never called and after XXXX XXXX I called to check on the claim and a representative told me that is was closed. I have called back and forth between Wells Fargo and XXXX with XXXX parties stating that they do not have the money, and each time I get told either Wells Fargo sent the money or XXXX did not receive it. I have been provided the Trace Number from Wells which I supplied to XXXX, and nothing has come of 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 2017-04-03
Company: SYNCHRONY FINANCIAL
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
CareCredit.com is who I am trying to pay back, but I found that I am charged an astronomical late fee if I do n't make the monthly payment. My understanding was that if I paid the amount that CareCredit loaned to me, that is the total that I would pay within the " interest window ''. I borrowed {$750.00}, made a payment of {$140.00} and my balance is {$1000.00}. How is this transparency allowed to be carried out by CareCredit when I am still months within the payoff date?? This is wrong to charge these fees, especially when I am not past the XX/XX/2017 payoff date.

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 2016-08-02
Company: HUNTINGTON NATIONAL BANK, THE
State: VA
Product: Consumer Loan
Sub-product: Title loan
Issue: Applied for loan/did not receive money

Complaint:
XXXX XXXX XXXX poses as a lender who lend money to XXXX like myself. 
I poses as a lender for XXXX branch in XXXX Ohio. I wired to him {$1600.00} as fees and can not deliver. I told him today is a do or do n't. If he can not deliver refund me the money or I will get proper authority involved. He wrote me to say this : " Have you enrolled for anti money laundering program. If not then you have to get it done before funds will reflect in your account. I can help you with that. ''

Company response to consumer: Closed with explanation