BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 XXXX  XXXX XXXX, delivered a check for {$610.00} to BMO Harris Bank for my car payment loan account. I had automatic monthly payments set up from my bank to BMO but kept getting late payment notices and after some research discovered one of the checks my bank sent was not applied to my account.

After numerous calls to BMO and my bank BOA, I obtained a copy of the check which clearly shows BMO cleared the payment at their bank on XX/XX/2020. I have spoken to least 18 different people, ( but could never speak to a manager ), and several at my bank. I was told by BMO 's agents, " the {$610.00} was sent back to my account where it came from '' ( its impossible, they don't have my banking information to make a deposit into my account ), I was told " a check was in the mail '', when I asked why are they sending a payment back I'm trying to make on my account, I was told " I'm just giving you the message I received from a manager '' ; I was told to " wait until they investigate where the money was credited at BMO 's bank ''. Its been 7 months and after more calls to BMO Bank, this issue still has not been resolved.

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 2021-04-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. 
On XX/XX/XXXX, Transworld Systems Inc. provided " debt validation '' as response. 

This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with Transworld Systems Inc., XXXX XXXX, Division XXXX of Transworld Systems Inc., requested a clearer copy from their client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. 

Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ). 

There was no transaction or any record of transaction between myself and the client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX I started getting calls from XXXX XXXX XXXX XXXX at least 4 times a day from early morning until late at night. They would not answer when I said hello, and they did not leave messages. I spoke into the phone and told them my number is on the National do not call registry and not to call me any longer. On XX/XX/XXXX, I screamed into the phone asking 4 the caller to identify himself. Apparently he was taken aback and muttered a name which I didn't catch. He told me the company he was calling for was Credit Management in XXXX, Texas. Once more I told him my number was on the National DNC list and I had told him previously not to call me. He said OK and hung up. I got your request via email for this information, but over the last 3 weeks your portal and password resets have not worked. The XXXX phone number has not worked either. Today someone finally answered the phone, but she was ignorant and rude and would not listen to me. This is all the information I currently have. If you need anything else, please make sure your contact parameters are working before you contact me again. I appreciate your help and want to assist you in any way I can, however, there is nothing I can do if your communications do not work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: MoneyLion Inc.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a Payday loan on Moneylion.com. They states it would be paid back in payments of {$36.00} every payday until it was paid. I gave them my bank information. After giving them my bank information I was informed I did not qualify for the loan. I forgot all about it until my next payday when they took {$36.00} out of my bank account. I was told it was for their premium membership, which they did not state was where the {$36.00} a month was actually going and had nothing to do with the loan. I requested a refund 3 weeks ago and have been in contact with them since. First they had to let the payment process. Then it would take 5 business days. Now I emailed them yesterday and they said they had no record of the refund being requested or initiated and it would be another 5 business days. These people are the scum of the earth, please look into them. Im sure Im not the only person theyve bait and switched.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: AES/PHEAA
State: MA
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:
In XX/XX/XXXX my un-subsidized loans through XXXX services were placed into deferment without my knowledge or consent. This turned off my direct debit auto-payments, again, without my knowledge or consent. In XX/XX/XXXX I finally got an email alert saying that my payments have been turned off at which point I had to call and get the deferment reversed. 

Since my payments had been turned off from XX/XX/XXXX-XX/XX/XXXX my principal balance remained higher than it would have been if they had not turned off my payments. As a result the interest payments that XXXX applied to my principal balance were also higher than they should have been. All of this leads to them charging me more money under the guise of a " service benefit '' ( their words, not mine ) which I never asked for or desired. 

So in conclusion, XXXX made changes to my account which allowed them to increase the amount of money they say I owe, and this was all done without my consent or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CL Holdings LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Bread Financial Holdings, Inc.
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:
Due to working away from home and also moving to a new home, I do not have all of the exact dates and documentation. I also thought the matter had been resolved.

When I went to the register to purchase my items at XXXX XXXX sometime XX/XX/XXXX, the cashier asked if I would like to earn points for future purchases. She explained the promotion, however, never mentioned that I was applying for a credit card. I entered some information on the XXXX XXXX and also presented my XXXX XXXX XXXX. When I walked out of the store I thought the purchase was charged to my XXXX XXXX XXXX.

When I went to the next store to pay for my items, I could not find my XXXX XXXX XXXX While looking for my card, I found the receipt from XXXX and then noticed the recent purchase was not charged to my XXXX XXXX XXXX. I immediately went back to XXXX   and asked them to return my XXXX XXXX XXXX ( which they did ). I also asked them to remove the recent transaction from their card and add it to my XXXX XXXX XXXX. XXXX refused to do it. I then called XXXX ( credit card company ) to cancel the card and they said they could not do it.

When I returned home from work in XX/XX/XXXX, I received a bill from XXXX/XXXX. I called XXXX to pay the bill with my XXXX XXXX XXXX. They refused to accept it, and said I must send them a check ( which I did-see attached ). They said they would waiver the late fee after I explained the events that occurred at XXXX  and that I was out of town. However, further statements came with some fees that did not make sense. I NEVER made any new purchase and I asked them to CANCEL the card several times in the past 2 years.

I made numerous calls to XXXX  and was always assured a XXXX  balance each time. Because of my physical move, the only documented conversation I have with XXXX is with XXXX, Confirmation # XXXX,XX/XX/XXXX. The XX/XX/XXXX balance was {$55.00} ( see attachment ). The latest XX/XX/XXXX bill balance is {$17.00}. No new purchases have been made. They removed portion of the fee???

This has hurt my EXCELLENT credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: Exeter Finance Corp.
State: WI
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:
Exeter Finance has granted deferred payments on this account and they say that they didn't process the paper work on time so that made it late. They say that they record phone calls so the proof will be there that we were never late on this account and yet they refuse to fix it and they will not let consumers talk to the credit department personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a XXXX XXXX Rewards Card and contacted Chase to file a claim due to an illness and our inability to make it to an event we purchased tickets for. I was transferred to XXXX XXXX services and was told that they could not honor this as my card didn't have this benefit associated with it. 

I pointed them to : XXXX XXXX XXXX   where the benefit reads " If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to {$5000.00} per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. * '' They said this was an error and my card was not eligible. I contacted Chase as they had mentioned that if I was not successful in filing this claim via XXXX XXXX, that they could dispute the charge. I attempted to do this on XX/XX/19 and was told I could not file the claim. 

Both Chase and XXXX XXXX have misrepresented the benefits of this card to their cardholders. I promptly closed my account with them this morning. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
Opened an American Express Delta SkyMiles card on XX/XX/XXXX. Used the card for purchases large and small with charges totaling {$3000.00} in the first three months of having the card. The award offer on opening was : no annual fee for one year, XXXX   Delta SkyMiles when you spend {$2000.00} in the first three months of opening the card and an additional XXXX SkyMiles when spending an additional {$1000.00} within the first 6 months.

I inquired to American Express onXX/XX/XXXXasking when the miles would be credited to my account. They said they could see that I met the spending requirement in XX/XX/XXXX and that I would receive the reward miles in 8-12 weeks.

I inquired again with American Express on XX/XX/XXXX where they told me the same thing, only that the award miles should be credited 6-8 weeks after meeting the spend requirement. They " opened an investigation ''.

I inquired again with American Express on XX/XX/XXXX and was told that the investigation was opened with the wrong department so it was closed. They said they would open a new investigation and that it would take 6-8 weeks before they could give me an answer as to what was going on and would send a letter in the mail.

I then called in and got no further. I contacted again today XX/XX/XXXXto see if the investigation was moving towards a resolution and was told to wait 6-8 weeks. My chat was escalated to a supervisor who just kept pleading to give more time as they had a large amount of awards and applications and they aren't able to get to them as fast as they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
OnXX/XX/XXXX I contacted XXXX XXXX and informed them of my mothers XXXX and requested them to transfer funds in the account XXXX to me mothers estate account, my name is on the XXXX   account but they requested I close out the account which would take less than 9 days. I emailed them her death certificate, Affidavit of Domicile and Letter of Authorization for wire transfer. On XX/XX/XXXX I verified that they received all the documents they required and was promised that this would be all that was required and the would transfer the funds within the next 9 days. On XX/XX/XXXX I contacted them again as they had not transfered the funds and was told that I needed to complete 3 items and 2 of the items were complete and the third item was a sales pitch for me to put my name on the account and keep it with them, I told them that the estate was to be divided to several people. Still nothing had been done and no one had contacted me so I called them on XX/XX/XXXX and told them they needed to act on this that day and again they promised to return my call that day but never did. I have been dealing with : XXXX XXXX  Relationship Consultant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX  phone XXXX XXXX XXXX   sXXXX 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 monetary relief
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my accounts. I don't have a contract with this company, nor have I ever even spoken to this company.

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 2020-05-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/20 Tried to reach out to the company, and it was a cellphone number. This is not my account and I have never done business with Enhanced Recovery. I don't have a written contract or any agreement to pay. The amount they are saying I owe is {$350.00}, this was place on my credit report on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CapitalOne caalled more than once from XXXX XXXX XXXX. This number, when researched, comes up as XXXX XXXX XXXX. Spoke to a XXXX # XXXX employee id #. Stated i wanted a verification letter of the debt. She yelled at me saying we sent one, you didnt give it enough time. I just requested the letter today. She also stated legal action against me. She stated legal action against me after 90 days, the account is charged off. I stated she broke the law with stating legal action against me, and that i would submit that to a the bankruptcy court. She transferred me to a supervisor XXXX # XXXX. I stated the same, debt verification letter, do not call request and bankruptcy. I asked for hardship they could.not stae payment amounts. They could not absolve the debt. Did state a settlement amount of the total debt 20-25 %. They said.no. They did say you can pick your amount.i stated d would .file bankruptcy. On the account a secondary user was also added which CapitalOne ran their credit as a primary user which showed up on a credit report. The secondary user will also file a bankruptcy. Three agents from this company also were asking about my personal conditions as to hardship,.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Every month I pay a total of {$80.00} currently due to myself being affected by XXXX. The earliest payment started in XXXX of XXXX Prior to that I was paying about {$100.00} because that was what I could afford. Currently, Sallie Mae continues to harass me by calling my phone multiple times a day and they give me the same script every month. They dont take notes and continue to sell me on forbearance. I only have now one month left on forbearance and they continue to call even with the forbearance. I tried to work it out with them but they will not offer me another option.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase strongly recommended using a 2 factor authentication method to protect my funds.  One of the recommended " Authenticators '' was XXXX Authenticator. I configured the 2 factor authentication and everything worked fine until the phone on which I had XXXX Authenticator installed needed to be wiped due to a severe software problem. After the wipe, I could no longer use XXXX Authenticator. I followed Coinbase 's instructions do deactivate 2 factor authentication and these instructions failed. 

A ticket was opened in early XX/XX/XXXX and I still have no access to my account. Last I was able to look I had over {$6000.00} in various coins but I still have no access to my account. In the meantime the currencies have fluctuated wildly and I have been unable to liquidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Navient Solutions, LLC.
State: PA
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:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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: Investigation took more than 30 days

Complaint:
We disputed a XXXX XXXX account in XX/XX/XXXX. The dispute was suppose to be completed XX/XX/XXXX. The account is 7 years old. XXXX  and XX/XX/XXXX have removed the account completely. We called Equifax to remove the dispute. Instead of removing it, they open 2 more disputes. The initial dispute should have been closed. It surpassed the 30 day mark. every time we contact Equifax in regard to this untimely matter they open another dispute.the 7year time period has expired in regard to this account and the dispute filed on XX/XX/XXXX has went way beyond the prescribed time limit for disputes, but yet Equifax still has a active dispute open on my credit in regard to this Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX purchased as a debt buyer an HSBC account XXXX which was already in default but agreed by HSBC not to be my debt due to Identity Theft. Unfortunately in XX/XX/2013 XXXX XXXX took the position that they acquired this account and started a brand new collection action. I have notified XXXX XXXX within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.

Company response to consumer: Closed with explanation