BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Facts : Chase Sapphire Reserve Credit Card XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid ) XX/XX/XXXX - XXXX XXXX XXXX XXXX  from {$13000.00} to {$1400.00} - taking the amount of annual fees charged to 39.2857 %, which exceeds the 25 % limit. 
XX/XX/XXXX - Membership Credit was issued ( auto generated ) to my account of {$550.00}. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid )- the percent of annual fees charged to the Total Line of Credit was 39.2857 %, which exceeds the 25 % limit. 

per section 1026.52 Limitations on fees under the eCFR ( The Electronic Code of Federal Regulations ) it states : The total amount of fees a consumer is required to pay must not exceed 25 percent of the credit limit.

My fees are 39.2857 % - thus in violation of the Federal Regulations I have contacted Chase multiple times regarding this issue and each time they have stated that they are unaware of this rule and have no way to manually credit me the Annual Membership Fee.

I am writing this in hopes you will be able to help me hold Chase accountable for not following the Federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please see attached. Exhbits to follow by Fax. Additionally, Please refer to exhibit on Defective Notice of Default on CFPB files # XXXX and XXXX - LENDER is NOT Identified - and other matters that lend support to a deceptive practice to steal our home " with the stroke of a pen. '' Likewise, Quality Loan 's Notice of Trustee SALE issued XXXX XXXX, 2016 for auction sale against our home two days from now - XXXX XXXX - DOES NOT IDENTIFY LENDER. THANK YOU FOR YOUR URGENT INVESTIGATION and ENFORCEMENT action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Synchrony Bank has suspended all charging on my accounts. They stated they needed to verify my income. They submitted a XXXX to request my XXXX transcripts. The letter stated it would take XXXX days from the return of this form before I would hear back. The letter was returned over XXXX days ago and to date I have not received any correspondence or able to get any answers to my phone inquiries. last phone inquiry was today XXXX. XXXX the customer service agent advised there was no update. Please note all of the accounts Synchrony Bank has suspended were approved via their automated system and cards were mailed out to me. All information including income was truthful

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 2022-11-15
Company: Mandarich Law Group, LLP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a collection debt to Mandarich law group, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX in the amount of {$890.00}. I paid with XXXX money orders that was attached together when I mailed them. On XX/XX/2022 I spoke to a representative and they told me they received {$500.00} of {$890.00}. The representative told me to call back and the payment might post tomorrow. I called back on XX/XX/2022 and spoke to another representative and they still are saying they do not have the other money order in the amount of {$390.00}. The money orders was attached to each other, there is no reason why they received XXXX but not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Paramount Recovery Systems, L.P.
State: NE
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:
I have disputed the duplicate listing twice now and have tried with XXXX  and the company to have the duplicate removed. The company has refused and XXXX  did nothing to investigate the duplicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  XXXX sold my debt that I allegedly owed them. Now XXXX  XXXX XXXX is reporting on my consumer report that I owe them money. Under payment status on my consumer report the debt is marked Charge Off. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which means the company has wrote it off on their taxes as a loss & they technically got their money back on a tax break. Then turned around & sold it to the public which means they committed fraud & got double their money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I purchased some shop equipment from a company and never received anything in over a month so I disputed the charges on my card. They have not reversed the charges or credited my card yet. They keep saying they are investigating and it takes 60 days. I can not purchase new equipment because they have not reversed the fruadulant charge.

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 monetary relief
Consumer complaint received 2019-12-06
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Leased a vehicle at an Audi Dealer in XXXX, VA ( XXXX County ) with Audi Financial Services ( AFS ). At the end of the lease ( XX/XX/2019 ) the car was returned with no damage and significantly under the lease mileage. Dealer accepted the return and told us there was no other charges, our lease is over and the vehicle was accepted. Six weeks later we received a {$350.00} lease termination fee from AFS, which was in the contract but we assumed was waived. The bill was marked as a lease termination. We paid the {$350.00}. Over 6 months after lease end ( XXXX ) we received a bill from Audi Financial Services for {$320.00} marked personal property tax ( attached ). After several calls we got through to someone who could answer a question about the charge. The AFS agent told us that it was a bill for 12 months of personal property tax ( all of 2019 ), despite the fact that Audi had the car since XX/XX/2019. He said that they may be able to prorate it if we wired them the money ; however, they would not provide a revised invoice or detailed explanation for the {$320.00}. Per the agent they are passing on the amount of full 2019 personal property tax bill to us. Personal property tax was billed by XXXX County to AFS as the vehicle owner. They explained we could get " money back '' from XXXX County and asked us to contact XXXX County, despite the fact that we didn't own the vehicle nor get tax bills from XXXX. Our AFS account no longer showed our detailed payment history since our account " was closed '' at the end of the lease per the agent. We requested additional detailed payment history ( attached, but not very detailed ). We escalated the call to a manager and they refused to provide a new invoice nor waive the fee. They threatened to send us to collections instead of sending us an invoice for the prorated personal property tax fee. We checked our historical records and determined we payed AFS for prior 3 years of personal property during the lease ; however, this {$320.00} was for the entire 4th year. AFS appears to be systematically overcharging XXXX County Residents by passing through taxes without proration. We contacted Audi XXXX support and over the course of several weeks they attempted to get resolution via the dealer network. Audi XXXX was unable to waive the charge, claiming Audi is different company from AFS. Audi didn't stand behind their lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a situation that has been a very long process as a customer with XXXX XXXX XXXX XXXX. They are fraudulently over charging me after paying the full complete amount after taxes that the cars cost. Repossession has happened over the amount times possible. They have been very apologetic and they havent won XXXX hearing regarding this investigation regarding my properties. Some how they have been using co- signers to accomplish criminal activities through their dealership. I was A former employee. Before these events occurred. They have been trading in their Personal own vehicles making contracts. 
Destroying the evidence for their to use to approach them. Repossessing and refinancing. Creating loss of property and Money for long that people who have experienced this situation need help with this problem I saw it I experienced it and I to confront them as soon as a date court becomes available. Or what I can do from this point is possible were ever I can address it. I had to investigate this situation for years since I identified with what was going on. It cost so much money that I have bring it to an authority. 
That can resolve these matters. 

So please be aware not to ignore your approach regarding this information. 

Please contact me regarding my report # XXXX XXXX P.S, Thank you for your time. 
XXXX  XXXX XXXX XXXX XXXX 2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Mercedes Benz Financial Services
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Mercedes Benz Financial Services ( MBFS ) has refused to refund an overpayment to my account in the amount of {$300.00}. The payment was made XX/XX/XXXX while I was in the process of transferring my lease. Along with the paperwork for the lease transfer, MBFS required what would be my final payment, due on XXXX XXXX, XXXX, and so I sent them a check, which MBFS cashed. While the lease transfer paperwork was being processed, and as the XXXX XXXX due date approached, MBFS left multiple messages on my phone asking that I send in my XX/XX/XXXX payment. Not wishing to derail the lease transfer at the expense of the transferee, I logged into my MBFS account and made an electronic payment of {$300.00}. Thus, I made 2 payments for XXXX XXXX, and figured that MBFS would refund the overpayment, and indeed, its representative said I had a refund due when I called XX/XX/XXXX to check the status of my refund. I was troubled during that call because it took MBFS an inordinate amount of time to locate my account. When XX/XX/XXXX arrived and no refund had arrived, I called MBFS again, and it took them at least half an hour to find my records, as it appears that my account has been virtually deleted from their system. That phone call lasted well over XXXX minutes, and I was placed on hold during much of it. MBFS eventually informed me that because the account is no longer in my name, any money that is due to me must be paid to me by the person who took over my lease. That is not correct, because the overpayment was made while the account was still in my name, and therefore it is MBFS that improperly kept my money and must refund it. The lease transfer was complete as of XXXX XXXX, XXXX, and my check was presented on XXXX XXXX, XXXX, with the electronic payment having been made on XXXX XXXX, XXXX. Proof of these payments will be attached. In any event, the transferee of my lease is an innocent bystander and should not be troubled by any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2017 I have received telephone calls in excess of 79 times from Conns Credit. They call from different telephone number daily

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase bank offset my account on XX/XX/2022 and justified such action by citing their 'The Deposit Account Agreement ' which outlines the definition of a joint account. This agreement also states that " We do not have to give you any prior notice to apply the funds except as required by law ''. As stated in 'The Consolidated Laws of XXXX XXXX ', Chapter 2- Banking, Article 1 : Short Title ; Definitions ; Miscellaneous Provisions, Section 9G 'Right of set off ', subsection 3 - " No banking institution shall assert, claim or exercise any right of set off against any other deposit account held by such banking institution unless, prior to or on the same business day of such action, notice of the set off together with the reasons for the set off are mailed to the depositor ''. I nor any other of the joint account holders were ever notified of an intent to offset by Chase bank, making their actions on my account unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Synchrony Bank contacted Lowe 's even though I paid Lowe 's years ago, have a zero balance, to have my account closed in retaliation. I paid the Lowe 's card off early and the last payment was for over XXXX dollars in 2013. I have other active Synchrony credit cards that have a balance that have no issues. The issues started with Synchrony Bank regarding a Walmart credit card which I paid for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card
Issue: Billing disputes

Complaint:
The Care Credit card which I use when I have work done on my teeth at XXXX XXXX on XXXX XXXX in XXXX, Maine is a part of General Electric 's Synchrony Bank. It 's a great concept and I enjoy the flexibility it affords me. My issues are this : They have these promotional programs which offer lower interest over a short period of time then when they end the cardholder gets whacked with a large amount of unpaid interest which if not paid is added to the running balance on the account. I find this unfair. 
XXXX, Synchrony Bank ( Care Credit ) wants the vendor ( XXXX XXXX ) to not charge the customer less than {$200.00} on a procedure. For example, I have a XXXX appointment which costs me {$100.00} but they charge my card {$200.00} and keep a {$95.00} credit balance. They capture {$95.00} of my money and hold onto it instead of just charging my card the {$100.00} for the appointment. The {$95.00} credit is used to pay towards the next procedure. 
This was explained to me by the people at my XXXX XXXX location. I object to this policy by Care Credit. XXXX told me that Care Credit wants its vendors to do this.

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

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 2018-05-29
Company: HW Holding, Inc
State: VA
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 settled a debt with XXXX XXXX in early XXXX, and they have yet to update the three credit reporting agencies. The debt was paid as agreed in the settlement. The balance is XXXX, but is still being reported at over {$2000.00}

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 2022-11-15
Company: CORELOGIC INC
State: FL
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:
I have been disputing wrong and harmful information on my XXXX and XXXX XXXX but it dosnt go any where and Im trying to build my credit and they report to renters on my back round and obtaining a car there is harmful things that make them not want to finance me XXXX and have a good day

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 2022-11-15
Company: CURO Intermediate Holdings
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:
This company is claiming that I owe a debt, but I have never had a relationship with AD ASTRA RECOVERY SERV. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that AD ASTRA RECOVERY SERV received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: USCB Corporation
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid XXXX XXXX. 2015 and they will not take it off my credit report after disputing this over and over.This is with USCB

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 2015-11-30
Company: UMB FINANCIAL CORPORATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an Health Savings Account which I learned was managed by UMB Bank. 

In XXXX, I wanted to use the remaining balance in my HSA fund. 
I pulled up my HSA account website to verify the amount, which was {$18.00}. 
I used that exact amount for a medical bill. 
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee. 
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed. 
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario. 
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account. 
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account. 

As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario. 
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: VW Credit
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Audi/VW Financial has stopped sending monthly statements in XXXX 2016 for the following reason : " You have made payments greater than actual due and we are using a third party company to issue statements. Since you 'do n't owe ' money we ca n't send you a statement. '' As a consumer, I am entitled to know 1 ) if they actually got my payment and 2 ) my current balance.

Company response to consumer: Closed with explanation