BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: WA
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:
I purchased XXXX postcards from XXXX for advertising my company. I was charged for XXXX. I never received an invoice or any sort of bill. My bookkeeper saw the charge on the statement, is how we found out about it. They charged my credit card without any authorization. They must have kept my credit card # from 6 months ago when I purchased XXXX cards. I have purchased XXXX cards from them at least 2 times prior. I have always bought the same amount. The account representative whom I dealt with left the company shortly after this. What I suspect happened is that she had my card billed so that she would receive a nice commission before leaving the company. I disputed it with XXXX XXXX XXXX and they denied my claim. XXXX XXXX XXXX claims that XXXX will not communicate with them on this matter. I had my attorney write a letter to Chase and they closed the dispute and will not communicate further with my attorney. XXXX XXXX XXXX says that I received XXXX therefore I owe the money. I never signed for XXXX cards. XXXX had no authority to charge my card, and I never received the XXXX cards. Chase does not want to be responsible for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
During the month of XXXX XXXX we attempted three times to pay a monthly car payment if {$570.00} to Ally Bank. The representative and her supervisor said we had to make the payment in a completely different way. We were told we had to obtain. XXXX XXXX. We tried to negotiate and come to a resolution but the Ally representative became mean and very disrespectful towards us. I filed a complaint with XXXX XXXX. We received a phone call from XXXX with Ally Corporate. She stated that she would be looking into our complaint but asked if we could pay the XXXX payment. I explained to her that it was the XXXX of XXXX and I was trying to pay XXXX 's payment. She was confused and was ordering a complete audit of the account. We heard nothing until XXXX XXXX when a tow truck arrived at our house to repossess our car. Our account number is XXXX and we lacked four payments to complete our loan. I asked for a loan modification and was denied on the spot. I was told that Ally was not a bank. In XXXX I asked our Congressman for help and was told there is no government office that could assist us. You can teach us via phone XXXX with any questions! Thank you for your time and attention paid to our situation.

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 2019-11-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian and XXXX has the wrong Credit Score at XXXX and my XXXX XXXX should by XXXX. Experian and XXXX ate Discriminating against me because I am XXXX American. I want a full investigation into Experian and T because they both are Quity of Racial Discrination. I want Experian and XXXX to correct my Credit Score to 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 2019-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/19 I filed a complaint through Bank of America and the FTC website regarding a credit card that was opened by my wife without my authorization. 

On XX/XX/19 I received a letter from Bank of America stating that I was responsible for the debt because there were payments made. This doesnt dismiss the fact that this credit card was opened without my knowledge.

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 2020-02-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Southwest Airlines Chase credit card with the promotional terms stated at the bottom of the screen. Promotion was for a {$200.00} statement credit after first purchase at Southwest Airlines ( I even took a screen shot of the website ). I would not have applied if it wouldn't had been for the offer. The card did clearly state that it also had a annual fee of {$69.00}. Because of this, I was not going to get the card but with the statement credit, I figured it would pay for itself. After contacting Chase in regards to this, they stated that they put a different promotional offer on my account that did not include the statement credit. So on top of not getting the credit, I also have to pay for the fee. I have contacted Chase 3 times in regards to this issue and they refuse to work with me and finally told me to not contact them about this issue again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX made an erroneous filing of a " severely past due account '', which was submitted in error, based on a fraudulent theft of " courtesy checks '' from my mailbox that in a case they had investigated and closed ( see cfpb complaint XXXX. 

Without contact or notice Wells Fargo summarily blocked and closed this account, causing embarrassment and hardship on the card holder.

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 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 trying to get a loan from a company in XX/XX/XXXX but after they did an investigation on my credit information, they found that I had significant debt and could not offer me a loan. The main companies were bank of America and XXXX. 
The loan company said that I had debt with Bank of America of {$18000.00}. And that I had 2 XXXX cards for amounts of {$9400.00} and {$2700.00}. 
I called Bank of America and asked them to send me a letter showing my charges. But they said they couldnt that because Banks only hold 7 years worth of information and since the account was opened in XXXX, they did not have that information to give me. 
In emailing with my bankruptcy attorney, this is what he wrote back to me : Bank of America was listed in the schedules, and they were served with notice of the bankruptcy filing. Bank of America did file a proof of claim for other debt but not for the $ XXXX debt we listed in the schedules. It is probably a situation where Bank of America did not have documentation showing the debt was owed and chose not to file a proof of claim. 
I believe that the same problem occurred with XXXX. 
I submitted a complaint to XXXX, and they completed their investigation. However, the Bank of America {$18000.00} debt still showed. 
I called XXXX today, XX/XX/XXXX and I asked them if they could call Bank of America and XXXX and ask them to give XXXX proof of the debt. XXXX told me they couldnt do that. Because of a law that says that you cant ask credits of documentation for the debt. 
So, I am left out in left field and I have nowhere to turn. This is so frustrating. It appears that these debt item will be on my credit forever and I will never be able to get a loan. I really hope the Consumer Financial Protection Bureau can help me in some way. 

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 2017-09-10
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX address XXXX XXXX XXXX XXXX XXXX TN XXXX. It was financed through Santander Consumer USA, I dont have a central address for them. My APR is 22.95 % I was XXXX just for financing. The principal balance is XXXX. After all 72 payments are made I will have paid XXXX. If you add the XXXX value of my trade in that brings the total to XXXX! Thats almost double! And well over 3 times what that truck is actually worth. Please help me. I have talked with both Santander and the car dealer both told me that. I could try to get a loan some where else. Or trade and get a compact car for even more a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX Paid {$1500.00} to the wrong AmEx account. Paid Macy 's AmEx instead of XXXX AmEx XXXX I called to redirect the payment to the appropriate AmEx. The representative claimed to have taken care of it. 
XX/XX/XXXX - Still no credit. Spoke w/XXXX ; complaint # XXXX. Promised to mail check in 3-5 days. Over an hour on the phone. 
XX/XX/XXXX - XXXX the supervisor told me that the funds had been transferred to an old Macy 's account and she would have check mailed ; again 3-5 business days XX/XX/XXXX - Supervisor XXXX told me that the closed account had a balance on it ; that account was charged off in a bankruptcy in XXXX. He would need to call me back the following Fri., once he got it straightened out. No call back. That phone call was over 1 and a half hours. 
XX/XX/XXXX - I began phone call at XXXX. Over two hours on hold with Macy 's credit, getting forwarded to a number of reps. Finally got hold of Supervisor XXXX ( XXXX ) XXXX who gave me another case # XXXX. He advised me that the check refund usually takes 7-10 days. He would contact me when he hear back from " them ''. I do not know who that was. 15 days later and 3 follow-up phone calls leaving messages, and no check or explanation. 
XX/XX/XXXX - Spoke w/XXXX who explained that he Needed to call citibank to see what they said.. I sat on hold for over 30 minutes it's XXXX  and when he returned he explained that the department that resolves the checks is still in in process. If I wanted to know more I needed to wait 3 to 5 business days for them to determine whatever they determine. He would not provide me with any further information on how to get my money back. He continued to say that that he could do nothing else for me. I simply had to wait for the citibank people Currently Macy 's has had my {$1500.00} for over 45 days. They do not seem poised to return my money despite the fact that they have acknowledged getting it and say that I need to take care of the bill with them.. Again, the bill they are looking at was written off in XXXX during a legitimately filed bankruptcy discharge. Macy 's acknowledges these acknowledges that information and has since opened me to additional Macy 's cards. One of them was for the XXXX XXXX that I sent payment to inadvertently. 
The money should be returned, and it appears they have no intention of returning it, which in my mind is theft. 
I currently do not have a balance with Macy 's and will be closing my account immediately after I receive my refund.

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 2020-10-08
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XXXX I applied for a payday loan. I was approved for {$250.00}. I signed the loan agreement and inputted my bank account information for deposit. I called XXXX and was advised that I have to reapply but was given no adverse action notification. I reapply and now its giving me a denial. My issue is that this company has all my personal information and also used bait and switch to get that information. No one has sent any written notification of anything besides my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: IN
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:
Somebody has my information and has used it to open several accounts in my name and inquiries in an attempt to open more accounts. I have not given anyone my permission to use my information and all of these accounts are fraudulent. I have provided the credit bureaus and the creditors a copy of my Police Report iD and social security card to verify my Identity. The credit Bureaus still continue to report these fraudulent accounts. XXXX acc # XXXX was opened XXXX XXXX for {$11000.00}. Two accounts with XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX acc # XXXX for {$3000.00}. & # XXXX for {$99.00}. XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX for {$920.00}. Two accounts with XXXX XXXX which is a collection company for XXXX XXXX XXXX acc # XXXX opened XX/XX/XXXX for {$1000.00}. & # XXXXopened XX/XX/XXXX for {$660.00}. XXXX XXXX a collection company for XXXX XXXX XXXX XXXX XXXX  acc # XXXX opened XX/XX/XXXX for {$41.00}. There are also a number of inquiries that were made two to XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXXXXXX XXXX on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States, clearly, I have the right to privacy. ( It's the LAW ).

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( It's the LAW ).

All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
AES has a " paid ahead '' program which automatically takes additional payment an applies it to future payments ( principle + interest ), instead of applying the additional payment to only principle. Unfortunately, if you pay online, they do not offer a way to indicate that you want your additional payment to go towards principle. I have called AES and they stated that there is not an option to indicate where you want additional funds to go to when you pay online. Further when you speak to them, they are misleading in trying to say that additional payments do go towards principle in the " paid ahead '' program. This is a half-truth. The paid ahead program still applies portions of extra payments to interest. Please beware if you are trying to pay down your principle, they will eat it up as mostly interest payments. ROBBERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have an awkward situation I am trying to understand. We opened an equity line of credit with Chase Bank in XXXX of XXXX. Sometime I think around XXXX when the housing market plunged, The line was frozen and I think modified into a term loan, but we continued to receive monthly statements and paid as requested. I had other financial issues and filed a personal Bankruptcy in XXXX. About the same time we stopped receiving our monthly statements. When we checked back with Chase as to why all we were told was that it was paid and we had a XXXX balance. There is nothing in our personal credit file showing the account, and we have nothing in writing showing payment information. A few years later I started receiving phonically at my work from apparent collection Companies telling me for {$20000.00} that they would release the lien that Chase has on our home. WHAT LEIN? About XXXX years ago I begin getting calls from XXXX XXXX @ XXXX XXXX supposedly At Chase on or about XXXX XXXX, XXXX about this same Loan Lien Release for {$28000.00}. I first went to The XXXX XXXX office of Records, they then sent me to XXXX XXXX hall of records where they transferred the records to and got copies of the Chase Liens and their release of Liens. They had a previous Lien # XXXX Filed XXXX XXXX, XXXX for {$99000.00}, Then a new Lien # XXXX filed XXXX XXXX, XXXX for {$200000.00}. A Full Reconveyance # XXXX was filed XXXX XXXX XXXX. 

It appears that when the market went upside down the XXXX XXXX did a Bank Bail Out that somehow paid my underwater mortgage. I can get no details of what actually happened, but all I can ascertain is that there was a loan, there was a payment by someone that paid the note to a XXXX BALANCE and there was a reconveyance, but only on one Loan paperwork not the second, so now the second mortgage lien is being held for Ransom the remaining balance, but they will give us a discount for a cash payment. 

This whole thing smells bad, and if it appears to smell bad, it probably is. These people are very secretive that they wont answer the phone, dont have e-mail addresss, dont give out names, and wont put discussions in writing. 
WHo are these people holding our home for Ransom? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX recently announced an unprecedented data breach, which included my data. 

Name, Address, Drivers License, and other data was taken. 

XXXX has not given- a ) me any confidence that they can protect my data b ) me an explanation for the breech c ) any confidence in their published remediation plans d ) any confidence that their executives take this seriously, based on their minimal support for impacted customers e ) me the ability to order them to delete my data so that they ca n't have it be breeched

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 2020-08-19
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Due to COVID-19 I obtained copies of my credit report and noticed several inaccuracies on 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 2021-12-01
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a vehicle from XXXX, my first payment was due on XX/XX/2021, on XX/XX/2021 I called to let them know that I mailed out a payment. On XX/XX/2021 they came and picked up the car because they said I defaulted on my first payment. I tried to explain to them that I did mail the payment, no want wanted to listen to me. All they are saying is that I need to pay the full balance of the loan, in order to get my car back. They are not even trying to let me explain what happened, the lady said they tried to reach me and I explained to her that I was not available due to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because I received so many calls from debt collectors about unpaid medical bills. I was so confused. I pulled my credit report and saw items on my report that I have never seen. These accounts are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation