BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had filed an unemployment claim. Someone had rerouted my XXXX Bank of America Prepaid Card to their address and spent the funds on the card. I was informed of this by Bank of America when I called them requesting info on why I have not received my card. Bank of America immediately reimbursed me the funds. 
Approx. a month later Bank of America closed my account and put my account in the negative stating I was responsible for the money stolen. I filed a claim with Bank of America, In the meantime, the funds XXXX deposited into that account were kept by Bank of America in the amount of {$8100.00}. Bank of America will not reimburse me those funds as they applied it to the negative balance they state I owed them. I reopened the claim, Bank of America requested a copy of my ID via fax, which I sent them. They needed to compare my ID to the picture of the man who stole my original card. They have a picture of the man and my Id and have determined that it was not me who spent the original funds, yet they refuse to reimburse me the {$8100.00} that they owe me. 
I call them daily and they keep telling me to wait that it is not in their hands that it is the fraud department. I called the fraud department and they tell me claims are handling it. I speak with claims and they have just been giving me the runaround. Putting me on hold for an hour to speak with a supervisor then disconnecting the call. I call back only to be put on hold another hour and disconnected. This needs to be resolved.

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 2016-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I received a screen online that read, " We were unable to honor your request. If you entered credit card information, we did not charge you '' ( I did not enter credit card information, nor was asked for it ... Was I scammed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.

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 2020-03-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
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 had an auto loan through JP Morgan Chase that was paid off XX/XX/XXXX of 2020 ; however, I forgot to stop automatic payments from drafting from my checking account at XXXX XXXX XXXX XXXX. I had an automatic car payment of {$470.00} drafted from my XXXX XXXX checking account on XX/XX/2020. I called and spoke to a representative at JP Morgan Chase on XX/XX/2020 who informed me that they denied the payment on XX/XX/2020 and the money would be returned into my checking account within 10 business days of the rejected payment. On XX/XX/2020 which was 10 business days since the rejected payment, I called JP Morgan Chase. The representative I spoke with informed me that the issue was now with our bank and there was nothing further they could do. I spoke to my bank that same day and they informed me there was nothing they were able to do, the money was out of my account and they had no control over it anymore and so it was in fact still an issue with JP Morgan Chase. I spoke with a representative on XX/XX/2020 from JP Morgan Chase and was informed I needed to submit proof of the money being drafted out of the XXXX XXXX checking account to their secure message center. I did and was told it would be 10 business days before the money was returned. It has now been more than 10 business days since I was told the payment was rejected by JP Morgan Chase and the money was drafted from our XXXX XXXX checking account. I have attempted to contact someone who is able to help from JP Morgan Chase and have had an incredibly difficult time finding a representative who is able to do anything other than transfer me to a different department. I have had me call disconnected or unanswered several times after spending 40+ minutes on hold. I would like to know where exactly my {$470.00} is and what I need to do in order to have it returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: MI
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:
My Complaint is Against All the Companies Listed XXXX XXXX, XXXX, XXXX  and Experian are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, XXXX, XXXX  and Experian copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.

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 2017-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a second signer on my account. They have never used their debit card. Chase received an unauthorized request for a replacement debit card to be sent to an address not on file. They honored this request and when the card was received the people committing fraud were able to access my account and withdrawal {$400.00}. This was immediately seen by me and reported to chase as fraud. They opened a claim and then closed it because it was a chip and pin transaction. We brought the issue to their attention again and spent hours walking them through the details ( namely that they issued a debit card overnighted to an address not on file without confirming this request with either card holder. ) they returned my funds during their first review and then reversed that. Then returned my funds again and reversed it again for the same reason. They created this issue by sending a debit card out without my authorization ( and without confirming it with the other signer either ). And now they are reviewing it for a third time. They have failed to protect me, they have failed to return my funds and they have taken hours of my time discussing an issue they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CITIBANK, N.A.
State: OR
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:
Numerous ( 10 ) fraudulent charges were made to our card to merchant " XXXX '' in XXXX XXXX. We immediately contacted CitCard to report these as fraud. After an unreasonable amount of follow-up phone calls, persistence and unnecessary XXXX due to their lack of response, they finally credited our account for the fraudulent transactions. Now, several months later, they have reversed one of the credits stating that the merchant has disputed it. This is DESPITE my statement with documentation to the contrary submitted at their request on XX/XX/XXXX ( and confirmed received ). ( Their request for additional information was received by us on XX/XX/XXXX with a due date of XX/XX/XXXX. ) I spoke to yet another Citi XXXX today, XXXX, who said he is sending this transaction dated XX/XX/XXXX back for review AGAIN, can give NO timeline about how long that will take and stated if I don't pay it in the meantime that I will be charged finance charges and late fees. I can not bear the thought of having to follow up again like I did the first time ( probably a dozen phone calls and months of attempting to get someone to fix 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 monetary relief
Consumer complaint received 2016-09-29
Company: ERC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Message they continue to leave on my voicemail : " Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. '' This has nothing to do with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to pull my Equifax report at annualcreditreport.com. went thru the entire process to and then was kicked off the system. I went back in to try again and it told me I already pulled one as of todays date and cant get another for 365 days. There is no person to talk to at annualcreditreport.com and no one would help me at Equifax. they just referred me back to annual credit report.com 's XXXX # where you cant talk to anyone and said its just what it says I have to do. Horrible waste of time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've submitted requests and financials to Ocwen Loan Servicing for a mortgage modification several times. I spoke with the relationship manager that was handling my account and he assured me my request was being processed. Ocwen foreclosed on my property during the process, I did n't receive a denial letter from Ocwen stating that my modification request was denied or they were moving forward with the sale of my property. The property foreclosure sale letter I received from the foreclosure attorney was dated XX/XX/2015 stated the foreclosure property sale would be held XX/XX/2015. It is a misdemeanor in the state of Tennessee for the mortgage company and foreclosure attorney not to give a 30 day notice prior to foreclosure. I want to keep my house. I still reside in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I discovered this collection on my account so I call the agency to ask questions and dispute the collection. So far I have called XXXX twice about the matter to resolve it. They have not done anything to help they said they would send out a fraud packet to fill out and they would remove it. So far all they have done is send me a bill. I sent a written letter asking them for verification of debt and validation of claim but no luck. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a voice message which read that my student loan had been restructured and that I have to call back at a number they gave me to discuss the terms of the restructuring. The number they left was XXXX. When I called the number, the person named XXXX answered. He said that he was working for the department of education, informed me that there was a class action suit against Navient ( my loan servicer ) and that my loan qualified for forgiveness. 

The person had knowledge of my student loan, the total amount I owe, the structure of my loan ( that it is six small loans ) the phone number and email associated with the loan. He sent me a six digit code in my email ( which he had ) and asked me to repeat it to him. The he asked for my birthday only. He asked me if I make over Under {$1000.00} a month. I told him that I do not have a set job and I make {$2500.00} a month but not every month the same amount. sometimes less. 
Then he offered to me the restructuring plan : According to the I has to pay {$240.00} per month for four months, then $ XXXXmonth for the next 36 months. after than the loan will be paid. I asked him to end me the terms he is offering to me in writing and I will call him back. 
Then I received an email which contained a n snap shot of my total loan. The email was sent from : XXXX XXXX, XXXX XXXX, tel : ( XXXX ) XXXX, fax ( XXXX. 
e-mail : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
web site : XXXX 

I believe that this is a scam. But I am very concerned that he had all this information about me.! 

Later I received emails and text messages saying that somebody changed my FAS ID password. I called Navient whose representative informed me that I have to filed a scam complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my payment history with your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: General Motors Financial Company, Inc.
State: NY
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:
Our lease on our GMC XXXX completed in XX/XX/XXXX. We received our final bill that included the excess miles which we agreed were correct in XX/XX/XXXX. We immediately sent a check for the full amount and it was cashed, see attached. I also sent back the bill along with the check ( but did not keep a copy for myself since this was the 1st time we have ever gone over miles I never in my life would have thought such a issue could arise ) Every single month there after they called us and sent bills. Each bill was returned with a copy of the cashed check as proof it was paid.

Every phone call they made to us ( and it was a lot ) we spoke to someone who could not speak English well enough to understand that we sent the check already and it had been cashed. No one could understand this. After several months of this going on ( literally 15-20 calls a month! ) I demanded I speak with a manger. They put on the line a man who spoke English very well and he apologized for the error. He looked into our account and said that it was in fact paid and he isn't sure how this went so long without anyone fixing it. From that point forward we have never got another letter or bill so I assumed it was fixed. 

Fast forward to XX/XX/XXXX, I applied for a credit card and was declined due to GMC putting a very late over 120 days payment on my credit. I believe it to be on my husbands credit as well. I have tried to reach someone at GMC financial to get this removed and have been unable to get anyone who can help me. 

They are falsely reporting we did not pay. We paid the invoice as soon as it arrived and now I'm not able to get a credit card for my small business. This is very upsetting and cost me hours and hours of time to get it straight. A bank person recently suggested I reach out here. I am so hopeful you can help get this fixed and remove the damage that has been done to our credit incorrectly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have submitted PROOF to Experian and XXXX About my Student loans that are reported on my credit history. When I was XXXX years old XXXX XXXX which later filed bankruptcy and sent me a letter of loan forgiveness as a settlement also I filed a dispute with the Federal Government about how XXXX opened SEVERAL loans WITHOUT my permission or knowledge. I discovered the loans only when checking my credit history. These agencies will not disclose or update my history with the ACCURATE INFORMATION I SUPPLIED several times. 

I want the information removed or updated that these loans are a result of FRAUDULENT ACTIVITY. I am XXXX years old these loans happened when I was XXXX and should be 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 2015-09-25
Company: Big Picture Loans, LLC
State: KY
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I went online and went to XXXX XXXX. Castle payday responded. We really needed the money to buy my son 's school clothes and pay our bills off. Well we called Castle Payday and talked to the associate. I asked her about the final bill and she even stated like the email said we would be paying back {$800.00} for the {$600.00} loan. The lady did say that the first payment would be {$210.00} for the first payment and we could setup our payment plan or could pay more each time to get the bill paid off quicker. We have paid them the XXXX back and now we find out that we have only been paying the finance fee.. What? I have never in my life heard of paying every two weeks {$210.00} and that not going toward our bill. I do not know how to proceed further with this.. Please advice me what I can do legally to get this matter taken care of.. We will have paid them {$800.00} but to them we have only been paying the finance fee.. I cant believe this.. we have paid Castle Payday Loans our bill of {$80000.00}, However Castle Payday is still saying that we still owe them the {$800.00} I do not know what to do.. If their is anyway that I can get some advice please help.. Castle Payday was very misleading to us as customers.. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credit reports states debt from collection agency. Never received notice nor verification of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have 3 credit cards with Chase and in the past few months they have lowered my credit limit. I have been at the top of my limit but I have always paid on time and my household has been reduced to one income due to the pandemic and I have never missed a payment. By them lowering my income this effects my credit score. I think during unprecedented times like this big banks should not do this to families and I am curious about the demographic of people most effected by this policy they have in place. I tried to resolve by sending a complaint directly to Chase which they basically said they have a right to to do this because it's in the agreement. I could see if I were missing payments and not paying on time but I have paid on time and in some instances I paid more, they told me I actually penalized myself by doing that. If you are an agency interested in protecting consumers from these legalized loan sharks you should put measures in place to protect us. Because even with my high balances I'm sure if you add up what I have paid, not including interest, it probably exceeds what I actually owe them.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The cominety bank credit card debt collector calls my phone atleast 5 times a day every day of the week I only spent {$130.00} dollars on this card its very unnecessary to call that many times and just rude.

Company response to consumer: Closed with non-monetary relief