BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Bank of America was taking a set amount out monthly which I assumed was my minimum monthly amount but it was not. They were taking out {$70.00} but the minimum had gone up so it caused my payment to show late. I had this reoccurring being taken out so assumed all was fine. They called me finally after a year ( they say they were under no obligation to contact me to alert me to the under payment ) and I immediately called them back. By this time I owed {$730.00} to bring the account current. They were unwilling to do any adjustment to my credit record ( I told them I was n't asking for the late fees to be removed, just did n't want my credit ruined ). I paid the {$730.00} but they said it was my fault and they had no obligation to reach out earlier. This does not seem fair. I had my statements set to paperless because it is good for the environment so had n't checked them since I was on automatic payments. Is there anything that can be done to remove this from my credit history? The person I spoke with also would n't give me a reference # for the call or send me the recording ( though he said it was recorded ). He said I would have to send a subpoena. His name was XXXX XXXX but he would n't give me an employee id of any sort. The date of the call was XX/XX/2017 and the approximate time was XXXX. EST. I have learned the dangers of automatic payments and not checking the monthly statements, but am hoping that something can be done as I was not intending to do anything wrong and it seems like they should have had to contact me rather than just let the situation continue and the fees mount up and my credit be ruined.

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 2016-01-27
Company: Netspend Corporation
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I paid XXXX dollars to an international merchant on XXXX XXXX 2016. I had enough money on the card to pay the merchant. I made the payment and the merchant received it, plus I used XXXX with the card. I do n't have any extra money in the XXXX account either. All the money is on the prepaid debit card. Two days later I receive a text message from netspend ( card company ) saying I had insufficient funds to pay the merchant. I asked the merchant several times if he received payment. He confirms that he did and sent my merchandise. I called the card company 4/5 times in the past weeks and they have no history of the transaction nor do they have a reason as why this might 've happened. Today on XXXX XXXX 2016 I reloaded the card with {$40.00} to buy something else. I get a text message instantly saying that I have paid the merchant that already sent my merchandise. So the money I just loaded onto the card was automatically taken out. Once again I contacted the merchant and he confirmed once again that he only received XXXX payment. I spoke to XXXX agents from netspend and they said they will put the XXXX dollars back no later than 6 hours. This was at XXXX time and it is now XXXX time. I made sure there was enough money for this transaction and I feel that I 'm getting scammed. Please resolve this issue as you see fit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: JPMORGAN CHASE & CO.
State: SC
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:
In XXXX of 2015 JP Morgan Chase Bank contacted me saying the servicing of the student loan I held with them will be transferring to XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX. The Final payment to be sent to Chase was the XXXX bill, then starting with the XXXX bill, the payment be sent to XXXX. However, A letter dated XXXX XXXX and XXXX dated XXXX XXXX & XXXX were received from The XXXX XXXX to both myself and my cosigner of the loan stating that JP Morgan Chase Bank provided them the account information for collection activity of a payment. I contacted The XXXX XXXX via their website contact form after receiving the first letter on XXXX XXXX, 2015 stating that it was a mistake and that payments were now being sent to XXXX. I have not gotten a response from them. The XXXX letters dated XXXX XXXX & XXXX addressed to myself and my cosigner from The XXXX XXXX I received today in the mail, XXXX XXXX, 2015. There has not been an attempt from a representative of Chase to contact either myself or my cosigner regarding what the payment was before giving information to a collection agency. As the payment info pdf via XXXX attached shows, though a little late, both XXXX and XXXX 's payments have been received and credited to the account. All supporting documents will be attached. Contact info for The XXXX XXXX is also available on each of the XXXX pdf 's attached since they are not in the database here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: AL
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 have tried for the last two years to dispute several accounts on my credit report that are fraudulent and the credit bureaus refused to remove the accounts. I have filed an identity theft report. My personal information was compromised 2 years ago in a data breach and I have been fighting this for all those two years to no avail. No one will listen and remove the fraudulent accounts. They are not mine. I did not personally open these accounts and my rights and private information are being violated by these credit bureaus who refuse to remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a complaint about chase credit card refusing to cancel my annual fee card in 2014. I finally did get a letter and they either did not charge me or they credited back the annual fee. They switched me to a non annual fee card. I had noticed that the computer was full of complaints about chase credit card doing the same to others. 
Today I received a call from a XXXX XXXX who said she was from Chase credit card and responding to a complaint I had filed. She would not tell me what the complaint was or who it was from. However, she asked several personal questions of me. She said this was for verification? Finally I said she should have this information if she 's really from Chase. I explained that any complaint I made was back in 2014. She then checked dates but said she just got it today. I explained to her what the incident had been and that Chase admitted I had called to cancel my card but the transaction had not been completed by their agent. Chase refused to provide copies of the conversation to me. XXXX XXXX then began to argue with me that all their information was proprietary. Hiding any records from the customer. I told her I did not want to continue the conversation with her. 
I am putting Chase on notice that any future conversation from them to me should be done IN WRITING. The call from XXXX became threatening and I had to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian contacted XXXX to have my account removed from Experian, Experian insist that they do n't have request, I even faxed them a letter from the collection agency saying to remove account and they have not done so

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 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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 an on line reservation was made with XXXX XXXX and paid with a credit card in the amount of {$850.00}, for 5 nights with check in XX/XX/2022 and check out XX/XX/2022. I received a Booking Confirmation # XXXX and receipt from XXXX XXXX Reservations aka XXXX. It should be noted that XXXX identified itself as the XXXX XXXX and did not let me know if was a third party until they sent us the confirmation and receipt. While checking in at XXXX XXXX and after telling the motel staff that I prepaid and had a confirmation number, my credit card was billed an additional {$660.00}. XXXX XXXX did not tell me that I did not have a reservation and they did not tell me that I was being billed an additional {$660.00}. XXXX XXXX did not issue me a receipt at check in. At my urging, on XX/XX/2022 Capital One issued a credit for {$850.00} and a Dispute with the reservation company was made on XX/XX/2022. I called XXXX XXXX and obtained a receipt for {$660.00} with the same Confirmation Number that the reservation company provided. The XXXX XXXX responded to the Dispute and sent documentation to Capital One. Capital One denied my dispute and billed my credit card {$850.00}. I have since contacted XXXX XXXX and their parent company XXXX XXXX XXXX and received no satisfaction. They claim that they have no record of the reservation and its payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was contacted on XXXX XXXX, 2015 in regards to a past due payment. I notified the gentleman on the phone that I had scheduled a payment through their online system to come out XXXX XXXX. This gentleman said that he had no record of a scheduled payment, and that I needed to set up a check by phone. I agreed as long as the payment would not be taken out twice, as well as discussed a plan to bring the account current. On XXXX XXXX, both payments were taken out of my account, overdrawing my bank account to the tune of {$500.00}. I contacted Chase and the rep I spoke with sent me through XXXX tiers of management and promised me a call back about a refund that needed to be approved. I called today to find out what the status was, and was informed that, even though they took the second payment ( I only authorized ONE payment ) it would put the account past due and they would not issue a refund. I expressed my concern with this, as I still sit here {$500.00} overdrawn in my bank account, and was basically told, on the bright side, your account is current. No offer to rectify the issue that THEY took a second payment that I did not agree to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My private student loan had originally been serviced through XXXX since beginning repayment in XXXX. When I tried making my XXXX XXXX payment it showed I owed {$0.00}. I contacted XXXX and they stated my loan was transferred to a new lender and that I would be receiving letters in the mail with details. The only letter I received was on XXXX/XXXX/XXXX from FirstMark Services ( my new servicer ) stating that I was behind on payments from missing the XXXX XXXX payment. I emailed FirstMark Services on XXXX/XXXX/XXXX to get more information regarding the situation. I did n't even know who my new servicer was to make a payment. XXXX replied on XXXX/XXXX/XXXX apologizing and that they would look into a forbearance option to catch me up on payments and get back to me. They finally called me on XXXX/XXXX/XXXX. In between those dates, my co-signer and I continued to receive harassing phone calls. As I spoke to the gentleman he informed me that they were ready to begin applying for a forbearance but I would have to verbally apply first. I thought this whole time they were already processing the forbearance due to their mistake. I completed the verbal application and the man informed me that there is a good chance that I would be approved. However, I had to first fill out the application and send it into FirstMark. I tried re-explaining my entire situation because I do n't think they fully understood. But all FirstMark kept stating was that it did n't matter if I never received information I was still responsible to repay my loan because I signed the Promissory Note. I completely understand this but I did n't know who to send my payment to. The representative stated next that it would take some time for them to gather the forms and mail them to me. And if they did n't process it by the XXXX of XXXX that it would be reported on my credit. I asked if there was any options to expedite me receiving the application to avoid this, maybe if I could get the form myself online or if he could email me the forms. He stated that he would email the forms to me and I would be able to receive it within 2 days using this option. This helped ease my mind a bit. Unfortunately, as I am writing this today it is XXXX XXXX and I have not received any emails or letters with the forms I need. This means this entire error they have made will now penalize my credit. FirstMark Services just seems to be playing games and not willing to assist in anyway. I made payments for 8 straight years with XXXX never missing XXXX from XXXX to XXXX XXXX. Now, under FirstMark things have fallen apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Other fee

Complaint:
This complaint is in regards to how XXXX and their card issuer Chase manages refunds/credits in a foreign currency. My complaint is that XXXX and/or Chase is applying a different exchange rates to customers depending on if the transaction is a purchase or a refund. This difference in exchange rate is not insignificant ( 1-3 % ) and appears to effectively be an undocumented fee. I experienced the following XXXX examples of this recently : On XXXX XXXX, 2015 a charge for {$40.00} XXXX was made by XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$32.00} United States Dollars ( USD ). This charge was in error, and a refund was issued immediately by the vendor for {$40.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$32.00} USDOn XXXX XXXX, 2015 a charge for {$180.00} XXXX XXXX Dollars ( XXXX ) was made by XXXX XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$130.00} USD. Part of this charge was in error, and a refund was issued immediately by the vendor for {$20.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$14.00}. 

In the above XXXX exampled even though the return/refund/credit should have resulting in a net charge of {$0.00} USD, they did not - and in effect I was charged for the privilege of purchasing and returning an item. I have contacted Chase XXXX times to date without an adequate explanation for the use of XXXX different exchange rates. I am requesting an investigation by the CFPB if this practice is fair or deceptive. Thank you for your time regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute and verification request stating various FCRA laws supporting my dispute. The response I received back from Equifax really had nothing to do with my dispute letter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion continuously does not allow access to dispute an item they are reporting on my credit report. I have tried to dispute an item online and over the phone and they continue to state there is an error with their system. This has been an ongoing issue. They are reporting an account for XXXX XXXX with a balance of {$5600.00} on my credit report, however ; this account has been settled as paid in full and they have refused to allow me to dispute the balance to update my credit report. XXXX XXXX is reporting a balance of {$2400.00} on my credit report, however ; this company will not allow me to make a payment, they stated they sold my account to another lender, however ; they did not list this on my credit report that it was sold, they are still reporting a revolving balance and I have not received any letters from XXXX XXXX  telling me my services was sold, who the lender was.

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 2016-12-05
Company: MarkOne Holdings, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
MARKONE FINANCIAL LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MARKONE FINANCIAL LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MARKONE FINANCIAL LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
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 me owing them $ XXXX.when i moved out in XX/XX/2000 i received my mailed security deposit back and left a clean apt., and gave 30 day notice. when i contacted XXXX about this debt, they could find no information in computer or back files.I never heard anything about this debt until it showed up on my credit report. what do i do now?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I paid down my home equity line of credit to zero but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XXXX try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until XXXX even though I no longer borrowed any money. I was told that even if my balance were zero I would continue to be charged interest because " that is the way variable rates work. '' Unable to get a straight answer from the HELOC support team, I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because the HELOC had been apparently misrepresented when sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. 

I placed a complaint with the CFPB because I ran out of other options. Fortunately, I received a response to the CFPB complaint. But it was not from Bank of America. The response came from a debt collector requesting my personal information. Since Bank of America is not responding to this complaint, I ca n't verify if this organization is legitimate or shady. 

The debt collector is only open until XXXX. There is no email or web form ; there is only a phone number. I have called XXXX XXXX, XXXX XXXX, and XXXX XXXX without response. 

As Bank of America will not contact me directly but seems to respond to CFPB complaints, I will continue to correspond through this channel. Bank of America claims it will continue to charge interest on the fees that are in question, which is irresponsible and unethical -- the longer it delays in responding, the more Bank of America stands to gain in interest. I do hope the CFPB complaint system can help me here. I have been a customer of Bank of America for 20 years and they do not have the decency to contact me directly.

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