BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Credit determination

Complaint:
American Express Gold XXXX Credit Card requested credit reports for myself from the Credit Reporting Companies XXXX times ( i.e. XXXX ), from XX/XX/XXXX to XX/XX/XXXX. I contacted Experian after running a Credit Report to verify, they verified it, and suggested contacting American Express. American Express Executive Customer Service representative looked up to verify and requested copy Credit Report I had in possession related to queries, which was sent in email attachment to AMEX, re : Dates of Request ( XXXX times ). American Express stated they would investigate and get back to me in a few days, American Executive office contacted me back and stated those inquiries where for " promotional purposes '', which differed from information that was provided to myself from Experian. I respectfully submit a complaint to the CFPB, as this I feel could greatly affect my Credit Score or Credit Standing by the Reporting companies, especially if a Credit Report is run for new or updated credit application. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Rewards

Complaint:
I opened an American Express XXXX card in XXXX of this year, 2015. I have never seen any XXXX points transfer from the American Express card to the XXXX program. I finally talked to a senior account manager at American Express who indicated they are aware that they have a software problem and that is a level XXXX highest priority, and that they have no time frame and no idea when this will be fixed. This is clearly fraudulent as I am due thousands of points ( XXXX bonus for spending {$250.00} in 3 months as an example ) and even the account manager gave me XXXX compensation points which I can not see since their software transfer program has never worked. None of the regular customer service people know anything about this and you spend hours on the phone talking to representatives that have no clue on the credit card program works. The people at XXXX cards ( which is part of American Express ) clearly indicated this is a software transfer issue on the American Express credit card side and even opened up a support ticket even though they can not resolve this issue. This is extremely misleading when you do not tell people that your own credit card program does not work and they have no idea if I will ever see my XXXX points transfer over to my XXXX XXXX. The public needs to know about this and the impact in the industry when a credit card leader such as American Express misrepresents themselves to the consumers that trust them as a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine

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 2022-11-01
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went into the Bank of America branch in XXXX, XXXX by XXXX and XXXX. My mother has major health issues, I wanted to add my name onto her accounts, both credit card and checking and savings, and brought in a copy of my Power of Attorney for my mother. I was already a co-signer for the checking account. They adamantly refused and said they need the original power of attorney paperwork. Since I was traveling to XXXX State where my mother is in assisted living, I took the same paperwork into a Bank of America branch in XXXX, XXXX and they happily and quickly did the above. Why did the local Bank of America branch make me jump through hoops, and then another branch in XXXX State approve my request with no problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 2016-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I authorized XXXX to auto-charge my account for {$60.00} when i was abroad and gave them Chase credit card info. My XXXX phone number is XXXX and XXXX account is XXXX. 
They charged my account {$300.00}. I called and they said it was for a " line transfer charge ''. At no point when I was setting up my account was I informed of a " line transfer charge '' by XXXX. I would like the {$240.00} back since at no point at all was I told of this charge, and it was charged to my credit card without my approval. Since XXXX says all calls are recorded, they should go back and check their call logs and show if at any point I was told about this {$240.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I expected to pay off the loan in 36 payments ; the payments are {$230.00}. 
I 've made 31 payments totaling over XXXX ; the most recent statement shows a payoff balance of over {$4000.00}. The original loan was {$2500.00}. 
I 've repaid three times what I originally borrowed and they say I still owe them {$4000.00}! 
I was XXXX years old when I made the loan and I feel like I was lead into a debt trap. 
I do n't know if this is illegal or not ... I think it should be ... I think it stinks. Is there no one protecting XXXX from this type of thing?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX  XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX ROW XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, 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 2017-01-19
Company: Navient Solutions, LLC.
State: AL
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:
I am on a rate reduction plan, and I called to resubmit because the last one was about to expire, and the lady on the phone told me to call back next month, and that I did n't owe anything that month. When I called the next month they asked me why I had n't paid last months bill. Things like this happen every time I call and it cost me extra money every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had Capital One for Months with a XXXX limit. I use to pay them online they lost 3 payments and I resent them. I started calling them to pay it was working fine paying that way for months. This month of XX/XX/2022 I paid by calling in they took the money off my XXXX card 2 days later Capital One says XXXX took it back. I responded HOW 2 days later they took it back this makes 4 times Capital One says you're payment was returned I contact XXXX  they say Capital One is Lying. I tell Capital One to cancel the card I repeat I Told Capital One to turn this card OFF! A day later my balance is XXXX and on my Credit Report Capital One said They turned the Card of. And put it on my Credit Report they are liars thrives Con Artists They steal my money 4 times I repay 3 lie about cancelling the card and put it on my credit report. All this trouble for a Irreverent {$300.00} credit limit. I want to go to court with them my transactions are Recommended and Proof I paid but they told me to get a Lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2016-10-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have a Wells Fargo Health Savings Account through my employer ( I am on a health plan that qualifies for a HSA ) and have a debit card for said account. The problem is I just received a letter regarding " amendments to your credit card agreement '' for " account ending in XXXX '' which does not match any of the accounts I know I have and I never applied for any credit card with Wells Fargo ...

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 2016-08-04
Company: JPMORGAN CHASE & CO.
State: AE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am XXXX military member ( XXXX ) with the XXXX. Chase Auto Finance is refusing to pay on the GAP insurance/waiver coverage that I purchased at the time I signed the financing agreement. While stationed at XXXX I purchased a XXXX Cadillac ATS Premium and financed the vehicle with Chase Auto Finance. When I purchased the vehicle the original financing agreement included an option to purchase GAP insurance for an additional {$690.00}. The provider of the GAP insurance was " XXXX XXXX '' however I was also required to sign a GAP Waiver Addendum which stated that what was purchased was not insurance, but an agreement for Chase Auto Finance to Waive any deficiency in the event the vehicle was totaled. Chase Auto Finance agreed in writing for me to ship my vehicle to XXXX when I received military orders re-assigning me to XXXX. The letter explicitly authorized me to drive the vehicle here in XXXX while I am stationed overseas. The vehicle was totaled in an accident. Now Chase is refusing to honor the GAP insurance/waiver provisions because the loss occurred outside of the United States or XXXX. They are also refusing to release the lien on the vehicle so that the salvage value can be recovered and sent to the bank. I simply want Chase Bank to honor its commitment to cover the deficiency between the insurance payout and the remaining balance on the loan ( {$1300.00} if the salvage value of {$8000.00} is paid ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I went to a Chase bank located in XXXX XXXX NY on XXXX XXXX XXXX and the rep asked me if I had a chase credit card. She advised me of a 0 % credit card for 18 months that I would qualify for. It is the Chase freedome card. I applied on the spot and got a large credit. What the rep did not disclose was that Chase does not offer you the option to pay greater than the minium amount via automated bill pay. You get XXXX options either pay the minium amount or pay the full amount. This is defrauding the consumer as it forces you into a balloon payment at the end if you can only pay the required minimum payment. I called Chase they confirmed that they only offer minimum payment via auto pay or you can go in monthly and pay greater than the minimum amount. This is not standard payment policy because if you have a credit card with Chase that has an interest rate charge you can pay more than the minimum payment via auto pay. Chase in this case is offering 0 % credit cards but not allowing you to pay greater than the minimum in an automated fasion. This is not disclosed at the time of offer or is it disclosed on the statements either. Please advise whether Chase has the right to change its payment options on different products and if so, are they not supposed to disclose this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.

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 2015-04-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo is doing the same thing that XXXX did. They are charging overdraft fees without consent. I also believe that they try to make a person have an overdraft fee on purpose just so that they can charge the overdraft fee. I go by my available balance and sometimes my available balance is n't right which causes the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My account always go necative and I dont know why so I remember one time I deposit XXXX bucks on my account cuz its necative and one week later I found theirs nothing on my account..went their and ask them about my bank cuz its always getting necative and they told me if I dont use my account 3time a month they charged that..my wife canceled her bank with them cuz it happened a lot with her so she dont bank with them anymore but she ended up owing them..so I want them to change and stop messing with people money..cuz we swet for 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 2015-12-15
Company: WELLS FARGO & COMPANY
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I called Wells Fargo on XX/XX/XXXX to see if I could apply for a forbearance for two loan payments XX/XX/XXXX. I had a medical hardship as I XXXX and work did not approve my FMLA. I was told it could take up to 10 business days to complete the process. I did not receive any confirmation or denial via email, phone, or paper mail so I followed up on XX/XX/XXXX. The representative informed me that the processor needed additional information. The additional information needed was provided during the original call on XX/XX/XXXX. Due to the excessive time it has taken my payments are due and I have had to borrow the money to ensure my payments are made. I have never missed a payment since my loans went into repayment status. I have perfect credit and will maintain my scores in any way I can. I also feel like Wells Fargo is a predatory lender. I requested that Wells Fargo consolidate my loans and they denied my request due to my debt to income ratio. The rates of interest are 4 percent higher than unsecured loans on top of that they are variable rates with no fixed rate options. If the prime rate increases I assure you I will not be the only consumer crippled by this predatory loan structure and lack of willingness to help the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited the sum of {$500.00} into my checking account in addition to {$89.00} available balance with Chase Bank Account. On XX/XX/2016, I used Chase debit card for the amount of {$220.00}. On XX/XX/2016, I used Chase Debit Card for the accumulated total amount of {$160.00}. My account available balance becomes {$580.00} minus $ XXXX= {$200.00}. On XX/XX/2016, I was denied access to take {$20.00} by Chase Bank on their false assertions that my checking account was in negative {$54.00} or {$55.00}. But Chase Bank employees told me that " Federal Reserve '' has a policy and that they are complying to " Federal Reserve '' Policy to denied me access to my money. As a result I was stranded on transit because I did not have sufficient funds to buy MTA Ticket to get me home. I suffered XXXX, XXXX, XXXX, XXXX due to deliberate public misrepresentation and frustration as I remained stranded without money for transportation to get home. I have Bank available balance in the amount of {$200.00} in my checking account with Chase Bank but Chase Bank denied me access to {$20.00} I needed to buy MTA Fare Ticket. I contacted " Federal Reserve '' on XX/XX/2016, and I was informed that Chase Bank did not follow " Federal Reserve '' rules and regulation ; and that Chase Bank may have lied to me by citing " Federal Reserve '' to cover-up to subjected me to disparity and discriminatory and retaliatory practices because I had filed complaint and opposition against discriminatory practices in the State of New York by bad policies enforced by Financial Houses, Hospitals, Schools, Colleges and Universities. I am requesting for adequate investigation and compensation for all the humiliation, retaliation, discriminatory disparity and disparage treatment, XXXX, and for wrongfully denied me my right to my properties and denied me immediate use of my money without reasonable basis in law and facts. I hereby seek for adequate investigation plus additional {$500000.00} compensation against chase Bank. I can be reach at : XXXXXXXXXXXX

Company response to consumer: Closed with explanation