BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: OpenRoad Lending
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
They made me get a paper notorized then a 3 week later they wanted me to get another paper notorized they they asked me five times for bank statement with my bank and other documents after 4 weeks the denied me claiming I put XXXX on application instead of XXXX claiming I lied about what I make they dont understand that I have pay medical insurance XXXX XXXX XXXX XXXX dental XXXX medicine and that comes out of my social security and they dont understand that why its XXXX and XXXX so they lied have witnessed that they lied they all of a sudden refuse to refinance my car loan they need to be out of business for not real practice procedures all delayed and I was told not to pay my other car loan that Im refinance so I have to pay them soon tomorrow they XXXX me up it cost me XXXX dollars for all this paperwork and stuff I had to pay for I want back I want them out of business keep this complaint on file so others who might have problems with them they arent a good customer relations company need to be out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: U.S. BANCORP
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:
I have a business credit card from XXXX XXXX. I also have a checking account with XXXX XXXX. Both are linked together and under one name. My credit card I obtained with promotion of 0 % until XX/XX/XXXX. In XX/XX/XXXX I moved. I went to the local XXXX XXXX in XXXX, CA ( same branch i opened checking account ) and changed my address to my new address. As XX/XX/XXXX rolled around and I didnt receive my credit card statement like i typically do, i called XXXX credit card and asked where my statement was. Apparently, they never changed the address. I changed it again by phone and paid my monthly bill. I was charged a late fee which was later removed. 

In XX/XX/XXXX, my XXXX XXXX account checking account was fraudulently attacked and all my money was stolen from my account. All my checks bounced. I reported the fraud and XXXX XXXX did investigation and reimbursed the money in my account. One of the checks that bounced was for my XXXX credit card. I called them immediately and told them what happened. I also made the payment once my money was returned to my account. I had no money to pay any of my bills. 

My statement for XXXX credit card came for XX/XX/XXXX with 30 % interest! I called them and they said that due to my 2 late payments they removed me from the promotion. I explained to them what happened and that the late payments were not my fault and technically shouldnt be considered late payments but they said there is nothing they can do! 

I feel like these credit cards take advantage of people, especially seniors like myself. They dont understand that not everyone is online savvy. Im old school. I went to my local bank to change address, I thought that was enough. I also was a victim of theft and fraud and they are punishing me with 30 % interest! I cant afford to make payments like that. I was planning to payoff the amount with 0 % until XX/XX/XXXX and not have any interest rate.

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 2018-06-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I reported an international wire fraud scam to the bank relating to a vacation property that we were trying to rent. The person had us wire {$5800.00} to their account and we were later noticed that they did not own the property. I contact Chase to stop the wire at which time the bank told me they request the funds back from the other bank. There was no correspondence from Chase at all regarding this case. It took me calling them repeatedly to track down the right department to give me information regarding the case. When I finally spoke with the right person after contact them for 2 weeks I was told there was nothing they could do because it was my word against theirs. Their lack of timely processing of the wire cancel and unhelpful nature has left me with no options to get my funds back. I find this ridiculous that when fraud is reported they have no obligation to assist their customers in getting their funds back. I am truly disappointed with the level of service and lack of commitment in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the year of 2013 the month of XXXX I was XXXX in the XXXX XXXX   XXXX some one had stolen my identity and opened this account the amount of the charges that is on my credit report is XXXX this should be removed from my credit report.

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 2018-09-07
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For years I made payments on my student loans through XXXX. Then one day I got a phone call from a XXXX XXXX, a customer service representative for XXXX XXXX. He started to give me a sales pitch on a public service loan forgiveness program for people who work in the public sector. He explained that I would have to reapply every year and there would be a {$100.00} fee to do that and then there would also be a monthly {$19.00} fee involved as well. I found this a little strange and immediately felt uneasy. He also said the requirements of the program were to make 120 timely payments and the remainder of my loan balance would be discharged. This interested me as my loan total is approximately {$75000.00}. So, I decided to go forward with getting signed up for this new program and having my loans transferred from XXXX to XXXX XXXX. I called my bank today, XXXX XXXXXXXX XXXX, to get the date of when I first started making payments on my loans on this new program. The representative gave me a date of XX/XX/XXXX and an amount of {$130.00}. On XX/XX/XXXX that payment was increased to {$240.00}. So, in essence, I have been making monthly, timely payments on this new PSLF program since XX/XX/XXXX, but it feels like my money is going nowhere and my balance has hardly gone down. Something just doesn't feel right. When I recently recertified, I did not provide supporting documentation with my application ( proof of income ), so I got an email saying my payment was going to go up to {$910.00}. I was outraged by this and sent them a copy of my paystub. They responded that they received my supporting documentation, but I STILL keep getting responses saying that balance of {$910.00} is due, but I have continued to make my regularly scheduled payment of {$240.00}. Can someone help me or tell me what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: FL
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:
Experian ignored 609 request and never provided written contract for a debt on my credit report, but said an investigation was completed.

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 2018-11-05
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit and was surprised to see a collection from TransWorld System Inc., which being a collection has dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or who it was for. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt from XXXX which did not hit my credit until XXXX ( 2 years later! ). After finding the company name and phone number they were able to pull up my account number ( XXXX ) with my social security number and I was then able to verify what it was for and settled for the amount it was for. As an XXXX veteran trying to better his finance for his family, I would like to kindly request that this collection be removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: AmeriCollect
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as XXXX XXXX XXXX I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle XXXX XXXX XXXX for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay AmeriCollect in full but I need for this item to be removed from my credit and I need a letter prior to paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Credit Technology, Inc.
State: TX
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:
I have hard inquiry on my report from Credit Tech on XX/XX/2019. 

Credit Tech XXXX, CA XXXX I have not applied for any credit nor provided consent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018, I received a targeted e-mail promotion from American Express for my American Express XXXX XXXX card to earn 10x the bonus points for purchases with XXXX. When I clicked the link to enroll my card in this promotion and then clicked enroll within the link I repeatedly received an error message saying they were unable to enroll my card due to a system issue and to try again later. I have tried to enroll my card for this offer on numerous different browsers for 5 straight days and receive the same message every time. I contacted Amex regarding this issue and was told there was nothing they could or would do to fix this issue to get my card enrolled in this offer. I find this to be fraudulent and misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 called TransUnion on XX/XX/XXXX to get rid of the inquiries that were removed and placed on my credit report again. I was a victim of their inquiry issue.My inquiries were deleted and added back my TransUnion because of their glitch. Transunion didnt send any paperwork about the inquiries that were added back. Transunion placed those inquiries on my report without my knowledge.Customer service would not help and take care of the negative inquiries reporting on my credit report. 

These are the inquiries that Transunion placed on my report.

XXXX XXXX Date Filed XX/XX/XXXXXXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX/XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX-XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record XXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address 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 2018-09-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had student loans with Navient for many years. When I applied for the Public Service Loan Forgiveness program they said that the school I worked at qualified but not the current loan I was in. I have requested Income Drive Repayment Loans for years but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I live in Massachusetts and registration renewals are tied in to the leasing company. Documents get forwarded to the leasing company first and to me when they get around to it. Massachusetts send renewal docs usually 60 days before renewal, I got mine from Nissan Finance 15 days before renewal and renewed the day I got them. 

My registration expires tomorrow and I have not received the registration or new sticker from Nissan Finance yet, I called today and tried to find out the status and a rep told me they had the new docs but had not sent them out. I could not get a straight answer on when they would send them. 

If they can't forward the documents required to operate my car in a timely fashion I should not have to pay lease fees in the interim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Debt Recovery Solutions, LLC
State: NJ
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:
Person in charge, I am writing this complaint because I have been getting harassed by DEBT RECOVERY SOLUTIONS. They have placed multiple collections on my credit report and have duplicated many of them. When asked when these medical bills went into delinquency, I was told in XX/XX/XXXX. I have always had medical insurance and not sure why they were billed. After several attempts to collect money from me and threats, theyve decided to place 9 accounts from XX/XX/XXXX on my credit report. 

Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XXXX, XXXX, XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX I have contacted this company by mail asking to delete this medical bills for my credit profiles and they have not responded. I have requested a validation of these bills and they sent me only a notice that it was in collections. They have not validated or verified these accounts. Please help me remove these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received an alert on my consumer report that Bridgecrest has increased my balance by {$100.00} when I have made on time payments to them. If they alleged that they received any late payments it was due to an EFT error, or some type of delay which was not due to me. I am convinced that this was some type of malice directly to me as I almost done with payment. I explained to them that this error occurred XX/XX/2018, and they still created an adverse affect on my consumer report, which indicates that I was 30 day late, which I was not. I am currently up to date with my payments. Bridgecrest is violating my FDCPA rights by not reporting accurate data, and relying on a faulty system which is not accurate. I am demanding that Bridgecrest remove this increase on both my consumer report and the co-buyer 's consumer report and remove the 30-day late payment that they furnished on XX/XX/2018, as they have caused my consumer report to not be fair nor equitable to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased two {$500.00} each money order from XXXX XXXX XXXX XXXXXXXX. Western union money orders put in my bank and bank charge me back {$1000.00} plus fees I can not get a hold of anyone at Western union for help XXXX XXXX XXXX wasn't helpful I spoke to the manager and he was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A representative from the XXXX called me at work and said I have until XX/XX/XXXX to pay {$370.00} settlement my payday loan. I told them I dont have money and they said if I dont call tomorrow before 3 they will proceed to take legal action, but I tolk my loan out with ace cash express and its a collection company trying to scare me to pay please help i want to pay it off but I dont know what to do. The company is called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This was resolved incorrectly on CFPB complaint # XXXX. They determined that my direct deposits came from another financial institution but this is a lie, my direct deposit posted on XX/XX/XXXX, {$1400.00} from my employer, not another institution, well within the 60 days as laid out in the terms. I am owed my {$200.00} sign up bonus. I will also be filing this new complaint with the Massachusetts Attorney General. 

To reiterate here is the original issue : I applied for a new checking account with Keybank on XX/XX/XXXX to pursue their {$200.00} new account sign up bonus. I used the promo code XXXX which was the offer at the time. I called the branch in XXXX CT the following day XX/XX/XXXX at XXXX and the man I spoke to confirmed that the offer was attached to my account and that I was eligible. I then proceeded to fulfill the bonus requirements. I had more than {$500.00} in direct deposit post to the account within 60 days. I completed this on XX/XX/XXXX ( 45 days ) had well over {$500.00} in direct deposit. I called XXXX on XX/XX/XXXX to ask about the bonus not posting and they claimed that there was no promo attached to my account and that the code I used was never a real code. This is untrue I got it from their website and it was in the fine print and everything. It has now been more than the 60 days from meeting the requirements when I was supposed to get the bonus and I have gotten nothing and been told I am out of luck. I was told I was eligible and enrolled in the promo when I opened the account but was lied to. The following was the URL I used to signup : https : XXXX? XXXX & XXXX I attached a screenshot of the signup details as I saw on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened Wells Fargo checking account with the offer. Within first 90 days get direct deposit of total {$2000.00} or more and then get {$200.00} cash advance. I have the minimum balance of {$500.00} into my account but even after 2 months of meeting that criteria, Wells Fargo hadn't credited {$200.00} into my bank account. I tried calling Wells Fargo multiple times but it's a very long wait after the confusing menu based IVR. there is no secure message or chat available once somebody log into the account.

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