BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I failed to pay my car loan. Thought I paid on line but must have clicked wrong button. Money in checking for car loan was spent ; mixed together with tax refund. 
I understand that I need to pay and appreciate the loan but received a notice that my car will be repossessed if I do not pay within 10 days. 
I feel that after paying on a loan for 4 years a 10 day notice that they will take my car is extreme and unethical. 
This was my XXXX notice of repossessing my car and after 3 days for mail delivery I now have seven days. 
I contacted Chase on line yesterday and my message was transferred to another department ; no reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Santander Consumer USA 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:
i filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to CHRYSLER CAPITAL with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am addressing XXXX XXXX XXXX XXXX, Transunion, and XXXX. I just want to know why XXXX XXXX XXXX XXXX Labels every complaint and request from the Consumer Financial Protection Bureau as duplicate. I will continue until I receive an answer. AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXXXXXX XXXX XXXX  be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX  to explain why every complaint and request sent to XXXX XXXXXXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX  XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in XXXX that led to a fraudulent auto loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a refund of {$10000.00} from EdFinancial for a portion of my loan payment paid after XX/XX/XXXX. I requested the refund via phone call on XX/XX/XXXX and they said they would submit a request for a refund but were unable to provide any confirmation that I submitted a refund request. I have called again on XX/XX/XXXX and they told me my refund wasn't on file so I asked for them to submit a refund request again. Since then there has been no update about my refund. The people I have spoke to at EdFinancial have not provided any information as to the status of my refund and each person I talked to has been extremely unhelpful and will not give me any clear information about my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a residential mortgage on my condominium with Bank of America that was paid in full in XX/XX/2016. Despite repeated calls over nearly 6 months to their Customer Service line, and repeated promises made by Bank of America, I have never received the Satisfaction of Mortgage Documents or the original note. My understanding is that under Federal Law the Bank has only 30 days to send these documents. Nearly 6 months have expired. 

The address of my Residential Condominium is XXXX, New York XXXX XXXX The accont nuber with Bank of America is 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 2017-05-20
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have four medical collections listed on my XXXX report from XXXX XXXX. I have written them numerous of times arguing that they are in violation for putting medical information on my credit report AND for the simple fact that these accounts do not belong to me, but are my husband 's medical bills. They have refused to respond to me and/or send me documents where I authorized them to release medical information to collect a debt, or validating the accounts to show how or why I am connected to these accounts. They have violated the HIPAA privacy ACT by doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is the complaint sent to the company Hello Im having so many issues with your app. For the last few months the app will not load properly Ive deleted it, and redownloaded it multiple times. This has even caused my payments to be late I had my settings on autopay but for some reason my bank account lost connection and because of these issues with the app XXXX cant get it reconnected. You guys even reported late payments causing me to take a major hit to my credit which Ive been trying really hard to rebuild! Can somebody please help me I have no issues with paying you guys but if I have no way to I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We currently have a mortgage on property in XXXX PA XXXX with Chase. Chase regularly misapplies payments and will apply payments to principal rather than to the normal payment due. Chase will then contact us to tell us that our mortgage is past due and threaten foreclosure. This happend approximately XXXX month sago and after a conversation on the phone they finally fixed their error. This has now happened again. I contacted Chase on XX/XX/2016 and after a long discussion their representative advised that they had misapplied the XX/XX/2016 payment to principal, would reverse it and issue a new statement within XXXX hours. On XX/XX/2016 i received a new collection notice stating that we were XXXX months behind and we still owed additional funds. Since we pay our mortgage every month this seems quite impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Since XX/XX/2020 I supposedly accepted an insurance plan to cover the credit card in the event that I become XXXX and can not make payments and this is being charged on my balance monthly. I have been charged over {$240.00} over the past 2 years and they say that I accepted this as part of my application, but this is slipped in during the application and often sneak out in, in a way so that if you do not uncheck a certain box you are accepting when you really are unaware of signing up for this. XXXX XXXX does this with all their cards and it should be illegal bc it's a scam!!! The government should do something about this!!!! I don't even have a way to view what I signed and they said that a package was sent to my address and that's a total lie. I don't even have an option to see my statement so I never knew about the scam they were doing to me.I don't have a copy of any document saying that I signed up for this. They only say that I accepted the plan electronically but they can say anything?

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 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
For the past several months, Bank of America Credit Card Services has been miscalculating finance charges and misapplying payments between XXXX different categories of regular purchases, cash advances and balance transfers. The allocations are not in accordance with federal guidelines. I contacted Bank of America on multiple occasions and each time received a different explanation as to how they achieved these magical calculations. I had the issue escalated to a special team of managers who finally admitted there was an error with how their system is calculating finance charges but they also explained that I was the only consumer that had brought this to their attention. They asked for one weeks time to look into the issue as they were going to have to escalate the problem even further internally. My ultimate concern is that this issue is on a grand scale and that XXXX of other consumers are being affected. I plan to initiate a class action investigation into the issue but wanted to file any formal complaints necessary immediately. I am not implying nor do I have any evidence suggesting that Bank of America has acted maliciously, however it is deeply concerning that it was so difficult to get anyone within customer service to recognize or admit there was in fact an issue. I had to literally teach them why their multiple explanations were incorrect and I do n't believe the average consumer would be as persistent. The representatives all seemed confident in their inconsistent explanations regarding the calculations so this could certainly be a training issue on top of the finance charge calculation error. When the latest manager realized I was correct in MY calculations, she seemed shocked herself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We accepted an offer on our home with a buyer pre-approved by Chase mortgage. Chase delayed and delayed the closing several times saying that they needed additional information, that the loan was in for review and needed more time. Several times we were told that they would have the documents ready for the buyers to close on a specific date and they failed to follow through. We pushed our closing on our new home 3 times and had to extend our rate lock three times all based on lies from them that the loan would be approved, yet in the end it was n't because they did n't perform their most basic of due diligence on their loan. They eventually denied the loan because they could not verify our buyers income, one of the very first things they should have verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 I.C. Systems filed XXXX collections to XXXX Acct # XXXX for {$140.00} Acct # XXXX for {$97.00} Acct # XXXX for {$240.00} None of these were mine. I call I.C. Systems, furnished the account # and explained these were not mine. I. C. Systems went on to get my information. They have no record of me in there system. Rather than correct the problem with the credit bureau ( XXXX ) they refused to speak with me any further.

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 2021-01-12
Company: Waypoint Resource Group, LLC
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The company has been paid off, and now they just filed a judgement of debt for {$220.00}, the first contact letter was XX/XX/XXXX, now it 's XXXX XXXX, 4 years and they filed a judgement to get money that is not owed. NC has a 3 year statute of limitations. XXXX and XXXX has removed the collection because it was old and paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Failed to send paper statements when requested. Customer service giving misinformation including lying about contacting us about late payment. Auto payment system says it is set up when it is not. Reporting derogatory to credit bureau without contact. Saying they cant take off derogatory because they followed their proper procedures when they did not. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2021, I received a prepaid card in my name from Netspend XXXX, XXXX. Unlike other debit or credit offers, this card already has my name printed in the card with a full, real debit card number and expiration date. It also had a bank account and a routing number attached to my full name and address. This was not requested by me. The attached material states they have the right to use my personal information, including my social security number with their partners and non-affiliated institutions for marketing purposes. It also states that I am unable to stop sharing that. It specifically says when you are longer our customer, we continue to share your information as described in this notice. I never requested to BE a customer, but now they have the right to use my information however they want, forever, because I called to cancel and close this account that I never opened. I got a confirmation number from them regarding this, stating they have closed it. However, I still want to report this. They fraudulently added my personal information to an account, unauthorized and unrequested by me. Had someone else gotten this card in their mailbox by accident, they could easily activate the card and use it fraudulently, potentially implicating me in some kind of crime or scandal in the process. This is NOT okay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery contacted my mother on XX/XX/22 at XXXX pm. They told her they were a debt collector looking to obtain information regarding a debt and said they were looking for me. They also contacted my previous employer 3 times, 2 times after they had been asked not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Genesis Lending
State: CA
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 WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2020 I disputed the validity of my bankruptcy to XXXX, Equifax, and XXXX. All 3 bureaus in XX/XX/2020 replied that they verified my bankruptcy through a 3rd party vendor XXXX XXXX. I find that hard to believe since a security freeze was placed on my XXXX XXXX file in XX/XX/2020. There is no way the credit bureaus verified my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

According to : 15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation