BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I check my credit score and seen I had accounts open that I have no knowledge of and Im trying to buy a house and its defamation to my character and livelihood

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 2023-08-09
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Netcredit withdrew two amounts from my checking account when there was supposed to be one amount and did not have my permission to do so. On XX/XX/XXXX they took out {$62.00} and {$59.00}. They deceived me in saying they would take out one payment per month. They never took out more than that before. They have changed my payment amount to {$120.00} per month without notifying me. They took out money that was for my mortgage payment and not for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Westlake Services, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX, I filed an dispute with Westlake Financial Service via certified mail return receipt requested. Westlake Returned the certified mail receipt with a stamped signature by XXXX XXXX. In my dispute, I advised Westlake Financial Service to provide copy of contract with my authentic signature that started the alleged debt for an auto loan. More importantly, I advised Westlake Financial Service to provide the above-mentioned document within 15 days of receipt of my dispute. As Westlake Financial Service are aware, if the document requested is not available, the disputed item must be removed from my credit report. Otherwise, their company will be in violation of the FCRA. I did not received the rquested document within the time frame alloted by the FCRA, which is fifteen days. I subsequently, filed another dispute on XXXX with certified mail return receipt requested. Westlake mailed back to me the certified mail receipt to me with their representative signature dated XXXX/XXXX/2015. In this dispute I advised Westlake Financial Service that they received my dispute through the XXXX. Postal Service with me requesting Cerfified Mail receipt which was signed by a representative of their company. I advised Westlake Financial that they have failed to respond to my dispute with the allotted time of 10 days of receiving my dispute. Next, I advised them that they are FCRA violations that have been perpetrated by their company. More Importantly, I advised them that XXXX XXXX XXXX. XXXX, " Responsibility of furnishers of information to consumer reporting agencies '' prohibits their continue reporting of this purported item which can not and have not provided copy of contract with my authentic signature. 
I advised them that notwithstanding their flagrant violation of the law, that I am offering to settle their FCRA violations prior to legal actions with the following terms : 1. They delete this account from all my credit reports and mail evidence of their bureau notification 2. They agree to close this account and sell it to any other collector. 
3.They arrange to pay {$1000.00} for my damages. 

I advised Westllake Financial Service to respond 15 days from XXXX, it is now XXXX, and I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern, I am writing to file a formal complaint regarding a recent issue I experienced with TD Auto Finance in relation to an auto loan extension. I believe that the company 's actions have caused undue stress and financial inconvenience, and I request your assistance in resolving this matter promptly. 

On XX/XX/2023, I utilized the TD Auto Finance website to request an extension payment for my auto loan. The website allowed me to process a {$50.00} payment and even calculated additional interest on my loan balance. I assumed that my request for an extension had been approved and processed accordingly. However, to my surprise, approximately two weeks later, I received a notification stating that I had a missing payment on my auto loan. 

Immediately upon receiving the notification, I contacted TD Auto Finance 's customer service to inquire about the discrepancy. To my astonishment, the representative informed me that despite the website granting me an extension and processing the payment, I did not actually qualify for the extension. I was further told that the website should not have allowed me to request an extension in the first place due to my ineligibility. 

This situation has left me in a state of confusion and financial distress. I acted in good faith by using the TD Auto Finance website to request an extension, and I assumed that my request had been approved based on the payment processing and the additional interest charges. However, it appears that the website 's functionality and the information provided were misleading, leading me to believe that I had met the necessary criteria for an extension. 

I am writing to you today to seek your assistance in resolving this matter. I firmly believe that TD Auto Finance should honor its original commitment, regardless of any errors on its part. The company 's failure to properly communicate its eligibility requirements and the subsequent contradictory actions on the website have caused me significant inconvenience and financial strain. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and work with TD Auto Finance to rectify the situation. Specifically, I ask that TD Auto Finance be required to honor the extension that was erroneously granted to me through their website. This would provide a fair and equitable resolution to the matter, alleviating the undue financial burden that their actions have caused. 

Thank you for your attention to this matter. I appreciate your dedication to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to your prompt response and a positive resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a very small company structured as a partnership that has been in business more than 30 years. We have had a credit card account with Chase since XX/XX/XXXX. XX/XX/XXXX, our interest rate was suddenly increased by 10 percentage points, to 23.15 %, a 76 % increase. 
We did n't see this increase right away. After we did see it and Chase refused to talk with my office manager/accountant, I put off calling because I knew this was going to involve considerable time, which I do n't have most of the year. It has indeed involved a lot of time -- two days so far. 
On Friday, XX/XX/XXXX, I called Chase simply to ask that the interest rate on this card be lowered to where it was before it was increased. The supervisor I talked with, XXXX, refused to lower our rate and said there was no one at Chase that I could talk with who could do this. Our only option was to write to Chase to express our displeasure. I am doing that at the same time I 'm submitting this complaint. 
According to Chase, our rate was raised because of XXXX late payments XX/XX/XXXX and XX/XX/XXXX. But as the attached scan of the relevant statements makes clear, we never should have been charged either of these XXXX late payments. 
The first was a payment we supposedly did not make on XX/XX/XXXX ( for {$520.00} ). However, we did make this payment on XX/XX/XXXX ( {$800.00} payment ). We purposefully paid early and paid enough to cover upcoming charges, including interest. 
When we got a late fee notice for this payment, we went ahead and paid the " past due '' amount of {$520.00}. This should have been seen as our XXXX payment, as notated by my office manager/accountant on the online payment receipt. At that point, our " minimum due '' payments for XX/XX/XXXX ( {$520.00} ) and XX/XX/XXXX ( {$580.00} ) added up to {$1100.00}. However, our actual payments added up to {$1300.00}, {$220.00} more than the amount due. 
Nevertheless, we were again charged a late fee on XX/XX/XXXX. In response, we made a {$1100.00} payment on XX/XX/XXXX. On XX/XX/XXXX, we made another payment for {$5000.00}. On XX/XX/XXXX, we made a payment of {$2500.00}. 
Despite having paid Chase nearly {$10000.00} during the previous five months, starting in XX/XX/XXXX, Chase raised our rate to 23.15 %. Chase also did this despite the fact that, prior to XX/XX/XXXX, we had no late payments for at least two and a half years ( as far back as we have printed statements ). 
I 'm sure Chase will say that our payment of XX/XX/XXXX could not be applied to our XX/XX/XXXX payment because we made it three days too early. As a result of that, we have had to pay more than {$3000.00} in additional interest, despite our long credit history with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My bank account was hit for fraud.

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 2016-02-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My request for a loan assumption was denied due insufficient assets. 
I provided documentation that provided proof on reserves that exceeded the 8 month reserve criteria for investment property during my initial application. 
Over the 7 months I continued to provide proof of reserves. 
on XX/XX/2016 I provided proof of reserves from my bank and was told that the underwriter would not accept my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Balance transfer

Complaint:
i have applied to chase credit card " slate '' balance transfer. with {$0.00} intro fee on transfers made within 60 days of account opening. 
after i have received the card i requested to transfer funds to my checking account. but they agree to make a transfer only after 90 days from opening the account which i will have to pay % 5 fee. and the 0 % will only apply to funds transfer to other credit cards only. 
none of that is mentioned anywhere in there term and conditions, not on there website and not on there promotion letters and not on the written terms and condition attatched to the physical credit card. so i asked the representative his name is XXXX to show me where it says or limit the balance transfer to only credit cards or i have to wait 90 days from opening the account. but he could n't find it either so i spoke to a supervisor and her name is XXXX from XXXX Ohio and she failed to show me and even approved that it does n't show anywhere on there website neither on there letters. and that is miss leading the customers as they suppose to have these terms written and mentioned on there terms and conditions like they mention all other terms. and make sure they mention it to the customers before they open the accounts. not after running their credit and after opening the account. and that is miss leading the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Maximus Education, LLC dba Aidvantage
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Aidvantage website doesnt allow for practical repayment options and drastically over complicated the process with the intent to deceive and swindle. They do not provide total interest payment info for any options and provide no regular payment plans. They do not take calls, they have a non functioning phone application and website. They are intentionally making it more difficult to repay loans to maximize interest gained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Recovery Solutions Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have written RSG requesting verification of the debt I am being sued for. The most recent letter in the form of an invoice is, to me, an attempt to circumvent the proper process that is legally binding to collection agencies and an attempt to strip me of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: CA
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:
Paid amount owed in full per the statement + online statement transactions. 

Was charged {$31.00} in interest after fulfilling the statement obligation. 

I called customer service and they were unwilling to explain or document how I could have paid the account to avoid interest. I asked where it was on my statement that I would owe additional monies after paying the balance in full. They said it wouldn't be on the statement and was " general knowledge ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Truist bank has falsely advertised a checking promotional offer that states consumers get {$400.00} when you open a Truist Bright, Truist Fundamental or Truist Dimension checking account and receive two qualifying direct deposits totalling {$1000.00} or more within 90 days of account opening. Checking bonus code is XXXX I opened an account in XX/XX/2023 and in less than 90 days I met all the requirements. Ive called my branch where my account originated and the promotional department in Truist. I spoke with several representatives and supervisors in XXXX, XXXX, XXXX, XXXX and XXXX of 2023. All of which stated that I met the requirements and should receive the {$400.00} bonus. First it was stated that I should receive it in 7-10 business days then the last supervisor I spoke to said my complaint would be reviewed and credit can take up to 29 business days. Since my initial complaint, it has exceeded 29 business days. It has been more like months. The disclosures, account opening documents and information has not honored and there has been a complete lack of transparency and truth regarding the checking promotion and the terms and conditions. The last supervisor I spoke to said that she would forward a complaint and that someone should contact me from the bank. No one as of this date has contacted me, which is terrible customer service and very misleading.

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 2016-04-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I was offered no interest for balance transfers till XXXX/XXXX/XXXX, made large payment for the regular balance that carries interest, payments on XXXX & XXXX XXXX were allocated patially to the regular bearing interest, and as well to the balance transfer portion. nowhere was stated that payments will be allocated to that portion, as a matter of fact the law is that it should be allocated to the high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX, XXXX charged me a total of {$4800.00}. This company charged my card and failed to provide any services. Since charging me they have not even called me back. I actually tried to call them on multiple occasions and they never returned the phone calls. I received absolutely no services from this company and want my funds returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 an account with Bank of America account # XXXX which I paid down to XXXX balance after the account was paid to XXXX it seems that the interest was generated which I didn't realize and to my knowledge the account was paid off so I didn't even think to check. Once I was made aware I quickly paid it off to XXXX  again.

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 2023-08-09
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A company net spend has created a card in my name without my permission, consent, or prior knowledge of. The card has yet to be activated but is still fraudulent as all their company lines go to other fraud offers and contain no real person to person interaction.

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 2020-06-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Between XX/XX/XXXX-XX/XX/XXXX, I spoke with representatives from FCO ( FAIR COLLECTIONS AND OUT ) regarding an account listed on my credit report. During these conversations, FCO and I made an agreement for me to pay a total of {$9800.00} to settle my account and to have this account completely removed from my credit report. 

On XX/XX/2019, I received confirmation via email that FCO had received and accepted my money order payment of {$9800.00}. The following statement was made by FCO according to the final settlement letter : " This office accepted a settlement for {$9800.00} on your account. Therefore, this account has been closed in our office as settled. If any credit bureau was notified of this account they will be advised to update the account as settled. '' After receiving this confirmation and agreement to settle debt and close the account, I noticed that the credit bureaus were indeed notified and the FCO account on my credit reports was removed, per FCO 's agreement. 

I also disputed this with XXXX  via XXXX, an apartment credit reporting organization during this same time period. After investigating this case, XXXX  verified my statements as fact and as a result, XXXX  sent me a confirmation letter stating that this collections account had been successfully removed from my rental history credit report. 

Less than 1 month later, I noticed FCO had fraudulently resubmitted my account information to the credit bureaus and has begun reporting the account negatively as collections. This has had tremendous affects on my well-being and ability to find stable housing and transportation.

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 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I lost my job due to XXXX and contacted Capital One to let them know, account was paid late but always paid and they were working with me to get the account rectified. Then in XXXX Capital One called me to offer an agreement to give me a break from making payments ( due to XXXX ) for 3 months. After 3 months I would resume making payments as agreed. I took the agreement however, Capital One never disclosed that these payments under their offered agreement would show as late payments on my credit report as well as payments from XXXX when I was laid off due to XXXX. I have called Capital One 3 times in one year and they are not able to find any of this information. I have spent hours on the phone and the promise is that they will call me back with more information but they don't. These late payments are affecting my ability to find employment and housing. Please delete all late payments as this was not notified to me when agreements were made. No one at Capital One seems to know how to help me as I have wasted many hours trying to work this out or even get more information. There are 3 seperate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Issue: Credit determination

Complaint:
Upon applying online for a XXXX Card through Synchrony Bank, I was asked for personally identifying information through what appears to be a XXXX Party Service/Credit Report Service. XXXX of the questions asked about my current property and asked for the date associated with it. None of the dates were even close - not even in the same year - and the only other answer was that I am not associated with this property, which is also incorrect. As there was no correct answer, I failed the identity test and was denied credit. I have a XXXX FICO score and have never been denied credit before in my life. 

I have called XXXX XXXX and Synchrony Bank. I have been transferred to numerous people, none of whom could help or even understand what I was talking about. I was transferred to the credit department and treated like I was a deadbeat. I have asked for a number at Corporate that could figure out who this Third Party provider is with the incorrect information. I have lodged a customer complaint that I do not expect to go anywhere. 

I have checked my credit card reports and the information about my mortgage shows the correct date - XXXX 2010. I also check my credit union and it too is correct. 

It is absolutely unacceptable for Synchrony Bank ... or any other financial institution ... to be using information to determine identity or credit worthiness without the proper support procedures put in place if such information is wrong. My credit report has been damaged due to denied credit and no one is taking any kind of accountability to assist in getting this erroneous information corrected.

Company response to consumer: Closed with non-monetary relief