BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BACK IN XXXX, ABOUT A YEAR OR SO AFTER I MOVED TO XXXX FROM XXXX, I WAS GETTING READY TO START COLLEGE. THROUGH THE PROCESS OF FAXING DELICATE SENSITIVE INFORMATION TO SCHOOLS BACK AND FORTH AND MOVING FROM HOUSE TO HOUSE I FEEL LIKE SOMEONE GOT A HOLD OF MY IDENTITY THROUGH GARBAGE OR SOME HOW ELSE. AS A XXXX XXXX XXXX, THE LAST THING TO HAVE EVER CROSSED MY MIND WAS SHREDDING DELICATE DOCUMENTS OR EVEN PROTECTING MY CREDIT. IT WASNT TILL JUST A COUPLE YEARS AGO, I FOUND OUT ABOUT THIS CAR LOAN OPENED WITH XXXX XXXX XXXX. I REMEMBER GOING TO SCHOOL AND TRYING TO APPLY FOR LOANS AND THEY KEPT ASKING ME ABOUT THIS COLLECTION ACCOUNT THAT I WAS NOT AWARE OF! I HAVE REACHED OUT TO XXXX XXXX ABOUT IT AND THEY HAVE NOT DONE ANYTHING TO ASSIST. I HAVE EVEN ASKED THEM FOR THE CONTRACT AND IN THE CONTRACT THEY ARE MISSING NAMES. YOU COULD ONLY SEE THE FIRST 4 LETTERS OF MY FIRST NAME AND THE REST OF INFO IS MISSING. I TOLD THEM I NEEDED A VALID VISIBLE CONTRACT SO I CAN REPORT THEM AND THEY HAVE NOT BEEN ABLE TO PROVIDE ME WITH ONE. I HAVE REACHED OUT TO XXXX SEVERAL TIMES AND THEY KEEP STAYING IN FAVOR OF XXXX XXXX BY REPORTING IT AS VALID. I HAVE SENT REPEATED NUMBER OF DISPUTES AND IT HAS NOT BE RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I owed {$560.00}. They contacted my family members that did not have anything to do with this ; even my nephew in another state. Told them that I would be served with papers within an hour. Humiliation and scare tactics. I called them back and made an arrangement. I paid {$270.00} of the debt and the last time they tried to draft out of my account - there were not enough funds. So the " mean '' man started calling me again. I told him they could resume drafts next week. He told me he would be at my house within 1 hour and I needed to have 2 forms of i.d . ready and I would be going to court on charges. I am trying to pay this back - but I do not like being bullied. This debt initiated through Advance America - but XXXX XXXX XXXX is the company harassing me.

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 2017-08-11
Company: DriveTime
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:
DriveTime/XXXX keeps harassing me and are in no way helping a customer who has been loyal to them. I will continue to file complaints until they fix the issue. As I started before the worthless car is not worth as much as I have paid the worthless care is disabled and the worthless car is probably still at XXXX place because Drivetime will not assist with towing it. You guys keep harassing me and there is nothing I can do to get this car towed you guys have robbed me blind with the car that is not worth it I want to see you guys in court let 's arrange that. You, people, think it is fair to charge people so much for an old car worth less than {$2000.00} how about we go to court and I get all my money back. I feel threatened and harassed by Drivetime and XXXX that is why I 'm so scared to answer. Besides the care been out of my possession since XX/XX/XXXX, my last payment was made in XX/XX/XXXX. Here is what we can do go to court so that I can tell the judge how threatened and stressed out you guy made me. Also, you guys are incorrectly reporting things to my credit report I can and will sue you Drivetime/ 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 2020-10-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I stayed at the XXXX XXXX in XXXX which I was supposed to stay several days they charged my card twice which was XXXX and XXXX I only wound up staying one day in which I asked for a refund for the difference and I disputed this transaction with Wells Fargo. they provided me with a provisional credit of the disputed amount. They told me pending the outcome I should be fine, It is now XX/XX/XXXX 4 months later they are stating the claim was denied they withdrew the credit now my account is negative {$1100.00} I called the bank back they claimed it was nothing they can do so all of my checks coming in will be taken in this covid times it is hard enough. I deserve a refund..any help will be appreciated.

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 2017-12-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My credit score dropped XXXX points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my Experian report. I reached out to XXXX who is no longer is XXXX but is now XXXX XXXX. 
They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion is in violation of the Fair Credit Reporting Act by incorrectly reporting the XXXX XXXX partial account number XXXX - in the amount of {$4300.00} for two reasons. First this account is over 7 years old from the date of last activity, and Second - this account should have been XXXX out when it was transferred. ( Please see pages 3 and 4 of the attached credit report. ) This incorrect reporting is harming my credit score and this account needs to be either removed from my credit report, or corrected to reflect a {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I spoke to the following Chase representatives : XXXX ( Call Center Rep ) XXXX ( Unit Manager - Retail Banking ) XXXX ( Call Center Rep ) I contacted Chase Bank in regards to my student loans that were sold to XXXX in XXXX. According to XXXX, the promissory note provided from Chase does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from Chase Bank 's Archives department and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as XXXX sold my student loans to XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in question in discussion is TD Bank N.A. Account # XXXX the issue at hand is a late in XXXX 2020, Back in XXXX 2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at TD Bank N.A. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am being sued for an old debt with XXXX XXXX XXXX  on the behalf of XXXX XXXX XXXX for {$850.00}. Apparently, XXXX XXXX sold my account to these debt collectors and now they have hired the law firm of ZarZaur & Schwartz, in the area I live in to sue me. I wrote and then sent a certified letter to both ZarZaur & Schwartz and the courts explaining to them I am currently unemployed and that's why I can not pay this debt. 

I offered to make some kind of settlement with the law firm but as of today which is XX/XX/2019, my offer was turned down. My court date is set for XX/XX/2019 and I was trying to this in a good faith effort to keep us both out of court. 

I told the young man I had spoken to over the phone, a XXXX XXXX, that I would accept their counter offer if I was allowed given time to pay it, it was refused. Basically from what I was told they expected the money within a short period of time ; I can't and would not agree to those terms. 

I think they are trying to collect on a debt that is at least six years old and the statue of limitations is either coming up or has past. I even asked about this and the young man I had spoken to couldn't give me a straight answer and wanted to turn me over to another department. I am XXXX, unemployed XXXX   with XXXX living with my mother who is also on a fixed income. 

I feel like this is a form of harassment and a scare tactic used to scare folks like me into paying them. I was basically told in another letter I received a few weeks ago that I may not only have to pay them but court cost as well. So, they have no sympathy at all for my plight, they just want to get paid. 

As I said, I am willing to work out a payment if the statue of limitations has not run out. But I will not commit to a payment plan that would make me pay them all the money within a 30-90 day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XXXX of XXXX, we have been trying to get this company to release a partial lien. We have 2 acres and we are selling one of them to my husbands parents to build a house. Over the last 14 months and countless phone conversations, we have been given differing and contradictory  information with each phone call. The biggest hold up has been a document that a title company drew up for us. We will be told that particular wording needs to change on the document and after we change it, we are told that that was incorrect and the problem is something else entirely. 

This company has refused to assign one person to our case therefore forcing us to start from scratch with each phone conversation. We have been, most recently, working with their complaint department. We were told in XXXX of XXXX that this letter from the title company was finally approved and that we would be notified by mail of their decision. After 8 weeks and nothing in the mail, we called our mortgage company and we were told that our document was not correct after all and that they also could not find our appraisal ( which was completed more than 1 year ago ) and that we would need to get another one. We were essentially back at square one. 

I do understand that they are not legally obligated to release this partial lien. My concern is the inconsistency, seemingly incompetent dealings and their absolute lack of concern for our situation. We have jumped through all their hoops to no avail. 

We are currently attempting to modify this particular letter once again in an effort to fulfill their requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
NCTUE was contacted three times via US Mail on or around XXXX 2020 regarding my yearly consumer disclosure. Not once have they responded to me. This is my final attempt to request my yearly disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
This is in reference to report received from Experian ( # XXXX ) received XXXX XXXX. The following items were disputed and this report summarized the results of the dispute. 
First item disputed was a Bankruptcy ( XXXX ) in the county of XXXX XXXX, California. I disputed that the Bankruptcy was not my and probably belonged to Mr. XXXX XXXX. The results state that XXXX XXXX was the company used to verify the results of the investigation. I contacted XXXX XXXX to dispute the providing of inaccurate information when I was informed that on there is a security freeze on my account and no information is available to Experian or any other entity to view or access. The document is included in this complaint. Also on XX/XX/XXXX a Chapter XXXX filing was made by one XXXX XXXX which is not me since My name is XXXX XXXX XXXX. 

Second item disputed was XXXX XXXX XXXX ( XXXX ) once again Experian indicated they contacted the creditor and the information was being reported as accurate.I disputed that the account was never late or included in a Bankruptcy and that the account was sold to XXXX   XXXX where the account was paid in full. I enclosed a letter where XXXX XXXX Indicated that the account was not being reported accurately and that it would be corrected. 

Third item disputed was for the creditor for XXXX ( 9 ) which Experian states on their report that the item was verified with the creditor.I disputed that this was not my account and that the account I had with XXXX was closed in good standing. I contacted the creditor and was given a letter stating the account was being reported incorrectly and that there was only one account that was closed on XX/XX/XXXX. And the account showing was a mistake be their accounting department. 

The fourth item that was disputed was for the creditor XXXX ( XXXX ) I disputed this account never being late and that it wasn't my account. I had an account with XXXX which was closed in good standing. The account had ( 4 ) 30 day lates on the report which they corrected to ( 2 ) 30 day lates which they corrected showing 30 days late for the month of XX/XX/XXXX and XX/XX/XXXX. I previously had an account with XXXX which was closed in good standing and never had an account during this time period being reported under my name.

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 2021-01-23
Company: CITIBANK, N.A.
State: CA
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 rewards from credit card

Complaint:
During XXXX XXXX Best Buy had offered a 10 % cash back reward when applying for a Best Buy credit card and using it to complete the purchase. So I had applied for XXXX and used it to complete the purchase ; in addition, I firmly recall that I had selected to receive the rewards in my credit card and had expected to see it in my next credit card statement. However, to this day I still have not seen the rewards in my credit card statement and that Best Buy and Citi ( the credit card company ) had seem to be pointing fingers at each other on the where about of my rewards. So it is my understanding that the companies are engaged in unfair and dishonest consumer financial practice in to generate fees in new credit card accounts, and without the intention to provide an actual cash reward.

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 2020-11-17
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've owned a time share for over 20 years and always been on time on my payments, due to hardship I've fallen a bit behind on my payments ( 3 payments ) so my debt of {$470.00} was transferred to debt collector " Pinnacle Recovery, IncXXXX '' on XX/XX/2020. I called them to settle my account and they now tell me {$750.00} because they charge monthly collection fees of {$140.00}, so they charged me for XXXX and XXXX and they will continue to charge me every month till my debt is paid. 
According to federal law a debt collector should just collect what is owed originally and can't charge fees nor interest which is what I'm filing this complaint about, Pinnacle is unlawfully trying to scam me into paying them more than what I actually owe and is backed up by my time share agency XXXX XXXX XX/XX/XXXX) because they tell me that as long as I owe pinnacle my 20+ year old account with them is frozen, can't use it AND will continue to rack up monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.

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 2020-10-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Account Number : XXXX Payments and Other Credits XX/XX/XXXX XX/XX/XXXX PAYMENT - THANK YOU XXXX - XXXX XX/XX/XXXX XX/XX/XXXX PAYMENT - THANK YOU XXXX - XXXX TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD - {$1500.00} Finance Charge XX/XX/XXXX XX/XX/XXXX PURCHASE *FINANCE CHARGE* XXXX TOTAL FINANCE CHARGE FOR THIS PERIOD {$18.00} - Paid off account on XX/XX/XXXX. 
- XXXX charge on XX/XX/XXXX. 
- Contacted bank and discussed same. Told that finance charge/s will drop after 3 additional billing cycles. 
- Understand what you said. But, balance is XXXX on XX/XX/XXXX. Why the finance charge on a XXXX  balance? 
- Request response to help understand. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CAINE & WEINER COMPANY, INC.
State: IL
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 never had an account with XXXX XXXX XXXX. I also dont even know where the original debtor originated from. This is fraudulent

Company response to consumer: Closed with explanation