BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US bank has not set up our escrow account correctly to make payments to our township ( we are in a PILOT scheme ). Last year we were in arrears on this money with the township and were charged over {$500.00} in interest payments by them ( which US bank paid after I had made a complaint. They assured me that the mistake had been rectified and payments would be made correctly from now on. Yesterday I received notification from the XXXX that our quarterly PILOT payment that should have been paid in XXXX has been missed. On checking my mortgage account the funds are available and are in my escrow account. This will mean we will again been changed interest by the XXXX and I am also concerned we are suffering reputational damage with them as we are seen as late payers. I have no confidence that going forward the lender will service our a count correctly.

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 2020-06-10
Company: AMERICAN EXPRESS COMPANY
State: VA
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 American Express XXXX Amex XXXX Credit Card product during the first week of XXXX. Upon receiving online approval, I noticed two discrepancies with my expectations : 1. A promotional 0 % APR and zero fee balance transfer offer were not present in the cardholder agreement mailed to me. I saw *zero* indication of this throughout the online process. If I had seen that this would be the case, I would not have applied. It may have been buried somewhere, but it was very much a bait and switch with the promotional offer. 
2. I also noted that the credit limit was quite low compared to other cards. The setting of the credit limit is, of course, the company 's prerogative. But, I was given zero insight into what that would be before I was deemed to have automatically accepted the agreement. Given this was one of the principal deciding factors on applying for a card, I no longer have a use for this card given the credit limit provided. 

I have contacted American Express twice over these issues. They have told me that they can do nothing. They note that they have a record of the disclosure they received, but they will not furnish that to me either. Given I am in the process of applying for mortgages, my credit score will be damaged by the hard credit pull that American Express erroneously made given that I submitted my application under false and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX on two separate occassions. One location in XX/XX/XXXX and it was mysteriously shut down, re enrolled in the " new location '' in XX/XX/XXXX and school was also shut down. We were told the school was closed due to lying about credits being transferable in which I found out to be true from not being able to transfer my credits. For not being able to hold up on their end promising job placement which in my situation never happened. Now my student loans which were initially XXXX XXXX but are now with Navient are constantly adding up due to interest. They are negatively impacting my credit scores all due to them funding a non accredited school. I have since lost my merit with my employer due to a credit check and ca n't qualify to purchase a home because of the negative reporting from a few years ago. The balance is now under {$8000.00} but I am slowly repaying a debt that I should n't be responsible for since this school was clearly not accredited nor accepted by employers. I have spoken with Navient on several occasions but the most I 'm ever offered is deferment payment status. I was never told by Navient nor XXXX that most students that attended that school was having their student loans dismissed. No representatives ever shared with me that would have been an option for me. It is now XX/XX/XXXX and I have experienced this nightmare of student loans for almost 10 years. I am afraid when it is time for me to return to school this will prevent me from being able to qualify for a loan if needed and that if not removed or negative remarks removed from my credit report it will also prevent me from obtaining a much needed promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: ALLY FINANCIAL INC.
State: MN
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:
My car was purchased the week of XX/XX/XXXX from my daughter. I don't have dates but there are so many, at least 2-3 times per week starting in XXXX that I have call Ally Financial asking about the lien release and my refund coming to me. They would transfer me and I'd end up in the same department. Finally on XX/XX/XXXX I sent a complaint to the XXXX. At which time I did receive a phone call a few days later. The rep commented ... well this is cut and dry. All you need is the lien release and your refund. I said correct. She said she waiting to hear back from the departments that handle these and I should see both very soon. It's been a month later. I did file another complaint with the XXXX  but they are considering it a duplicate. It's been 3 mo. We want to transfer the title to my daughter 's name ... the bank is waiting for it ... but can't without the lien release. I refuse to call AGAIN. I just want my refund and lien release. I don't understand the issue. COVID?? Yes at the beginning but not this is a little bit beyond that.

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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Our son applied for a XXXX school and needed us to co.sign on his second loan. He went back to school after graduating and then had to put on hold again.After many times trying to reduce the loan for him to afford for a struggling student they would n't accommodate it..he wanted to pay but could n't afford what they described so we as parents had to step in to help with the payment.we called to at one time having some extra money to repay the loan at a lower rate but they told us they do n't do that ..which was opposite of what we had researched about repayment. 
Our son joined the military and wanted to have it changed into his name for repayment .I did n't go to the school he did and now because we 're co.signers we are responsible for his debt. We are retired and it is a financial difficulty ..paying on his loan is a monthly responsibility so as not to damage my credit score. 
What if anything can be done to help with this situation. 
Thanks for taking time to hear a little of our dealings with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have a VA mortgage with CitiMortgage. Three years ago we, like many Americans, fell behind on payments and were in danger of foreclosure. We were able to work out a repayment plan to catch up. Citi configured a 35 month repayment plan that was supposed to catch us up if we made an elevated payment for the 35 month period of the program. We owed approximately {$3500.00} when the plan was implemented. We made every payment for the defined amount before the deadline each month during the program. In XXXX of 2015 we made our final payment and called 10 days later to verify the completion of the repayment plan and status of our mortgage expecting to hear we were caught up. Much to our surprised we were told we were even more delinquent than when the program began, owed over {$5000.00} and were still in danger of losing our home. Citi immediately offered to work out another repayment plan to catch up on our mortgage. We appreciate your help in getting this matter resolved quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion file number XXXX Dated XX/XX/2020 page 10 of 11 shows under supplemental Consumer information Auto Finance Inquiries in last 3 months shows 2 last 6 months shows 2 last 9 months shows 2 I have not applied or made no inquiries on no auto finance as stated by transunion on page 10 of 11 file number XXXX I would like documents signatures showing me applying or requesting a loan. as stated by Transunion/ any party stating this on auto fin inquiries I have also filed with US Attorney office as well DOJ on this matter with no documentation to support these inquiries not verbal or some letter stating the facts.

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 2020-06-10
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: Investigation took more than 30 days

Complaint:
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.

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 2016-08-31
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is an extension of the complain # XXXX. I opened a vehicle loan with Ally Financial in XXXX. All payments to the loan were made on time and setup for electronic debit and processed out my checking account via ACH. I paid off the loan in the exact same manner and called to let them know I was selling the vehicle and needed to expedite the title. I was immediately told that is not possible-they do n't make exceptions. Then I was told it would be 10 days before my title was sent. I was promised it would be mailed out on XXXX/XXXX/XXXX which was a Saturday so I questioned that being a weekend and they promised that it would be XXXX/XXXX/XXXX. I tried several more times to expedite this process as I felt 10 days was an unreasonable amount of time to hold the title. I communicated my urgency verbally over the phone, written through my online account, and written through Ally XXXX 's chat feature on their website. Still, my title was mailed out REGULAR MAIL ( which is negligent ) on XXXX/XXXX/XXXX. I was very upset with this as I had made it very clear I needed it as quickly as possible and they disregarded me completely. I have called at least 10 times asking for someone to please let me know where it is as it is now XXXX/XXXX/XXXX and I still do not have the title. Originially I was told it would take 3-5 business days to receive. Miraculously when I did n't receive it after 5 business days, their policy changed to 5-7 days! Because I filed a complaint, I was told that my file had been transferred to the EO department which I later found out stands for Executive Office and there is no way for me to contact them. I have to wait for someone to call me. I have been waiting for TWO WEEKS and no one has had the decency to call. I continue to call customer service and they just say my title was mailed out and there is nothing they can do for me. How could this possibly get any more ridiculous? The buyer for my car backed out and purchased another as I was not able to timely receive the title. Ally had declined to take responsibility in any way and refuses to pay for a duplicate title even though they are the ones who mailed it with no tracking and is likely now lost in the " regular mail '' that they trust for such important documents. I can not express my frustrations with this company enough. This has single handedly been the worst customer service I have ever heard of, let alone experienced, in my entire life. I am still waiting on my title, just like I am waiting for the callback that they " promise is of high urgency '' that has taken more than 14 days to get ... .Absolutely ridiculous! It is very clear that customers who actually pay their bills are not a priority to this company.

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 2015-12-28
Company: CITIBANK, N.A.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The month of XXXX 2015, I contacted XXXX XXXX ( XXXX ) that I am going to XXXX for 10 days and told them the countries that I am staying. I did not want to have problem when I am using my card out of the states. 
While I was in XXXX there were times that I could not use my card because they did not accept the charges. 
XXXX XXXX of 2015 I returned and few days later I got a call from XXXX that they have seen some activities that are not normal on my account. 
They read some of the charges and I told them that they were not mine. They indicated that when I receive the bill to fill up their paper work and send it back to the Fraud Department of XXXX. 
Since, I have mailed the same items 3 times. Once regular mail and XXXX registered mail. I have been on the phone with Fraud Department at least 2 times a month. Each time I called it had taken at lease XXXX to XXXX hours on the phone which as far as I am concern was wasted time. 
The issue has not been solved and they want more paper work and they claim either they do not have it or it is lost or they are behind in their work. 
They have been charging me interest and late payment and at one point they told me I am in collection. 
I am tired to deal with the Fraud Department and the people who ca n't read and count. 
I need help to deal with them and my attorney suggested to contact you. 
Please Help! 
Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: NV
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 sent in a few letters over the past XXXX months the most recent one was stating the laws that Equifax violated and they sent me a letter in return stating that Inquiries are factual and can not be removed from a credit report. I also called them and the representative that I spoke to stated that they didn't have to abide by the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer and Permissible purposes of consumer reports Laws or any laws for that matter I asked to speak to a Senior XXXX Management to see if he would send me a affidavit of truth stating that they had something in written or signed by me authorizing Equifax to furnish the inquiries on my report in the first place and they said they didn't have to do that I asked could I have the name of the person I was speaking to they said no they didn't have to give that information out, so I said to the lady I was speaking with it seem to me that Equifax is able to furnish all my information for anyone to see with out my authorization and she said correct and then started acting like there was something wrong with the phone saying hello hello hello and hung up on me. I can't believe these are the people that are in control of our consumer credit reports. 
I have tried to take care of this matter with Equifax directly on a few different occasions but they will not operate within the guide lines of the law they refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was searching for a resort in XXXX on XXXX and was diverted. from XXXX to a site called XXXX. I booked a reservation through XXXX for a resort in XXXX for XX/XX/2020. But my flight was cancelled and the borders were closed so I asked XXXX for a refund. Submitted many tickets no response, their phone number is not working. I contacted the resort and resort did not receive any money from XXXX. I found an email for a parent company XXXX. They say their supplier is refusing a refund. There are multiple shell companies involved in this. I am out of {$1500.00}, I am part of a XXXX group of 500 plus consumers scammed by XXXX. One of our members is going to be interviewed by XXXX. I asked for chargeback from my credit card Chase Sapphire Reserve who denied chargeback. I did not receive the service ( resort stay ) so I should be entitle to a chargeback if the company is not responding. Chase has denied chargeback of {$1500.00} twice. Second time they did not even provide a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Paypal Holdings, Inc
State: CA
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/XXXX. I placed and order on XXXX and ordered two gowns from XXXX XXXX XXXX  through the XXXX website I'm guessing XXXX XXXX XXXX  is a third party through the website well anyways I returned the two gowns for a refund and never got a refund I had to report this issue to PayPal since I payed with PayPal and PayPal sent me a temporary credit of the XXXX for the two gowns well now PayPal is siding up with the merchant XXXX XXXX XXXX and telling me I did not return the two items when infact I sent them the proof now I had to file and appeal with PayPal to let them now the two items are no longer in my possession and were sent back to the merchant on numerous purchased PayPal isn't helping me and I'm loseing out on money and I can't report it to the XXXX credit card company because of covid 19 nobody answers and I'm not able to dispute this charge online through the XXXX  XXXX website aswell so I had to dispute through PayPal and yet PayPal is still giving me a bad time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For over a year, Bank of America has responded to our home loan modification request due to financial hardship with repeated requests for financial documentation that we have already sent them. This is a fraudulent tactic described in the Quarterly Report to Congress of XXXX XXXX, 2015 from the Office of the Inspector General for TARP, naming Bank of America specifically. We conclude that Bank of America has never intended to modify our 7.25 % interest rate to one closer to current market rates and has acted in bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1 : XXXX XXXX XXXX inquiry XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 5 : XXXX XXXX XXXX- inquiry from XX/XX/2021 6 : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX inquiry from XX/XX/2021 9 : XXXX XXXX XXXX inquiry from XXXX XXXX 10 : XXXX XXXX XXXX XXXX XXXX- inquiry from XX/XX/2XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: IL
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 contacted XXXX XXXX XXXX and experian in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to experian and have received the same response as the accounts have been updated or remains.

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 2020-06-10
Company: STATE FARM BANK, FSB
State: IL
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 contacted XXXX XXXX XXXX and XXXX in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX  and have received the same response as the accounts have been updated or remains.

Company response to consumer: Closed with explanation