BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: KeyBridge Medical Revenue Management
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I filled out forms from the hospital on my medical bills because of my low income and they told me that I qualified for the help and that my bills would come off my credit report and they haven't!!! I am also charged with people checking my credit score and I have no knowledge of giving anyone permission to check my score and I haven't applied for any loans but everytime I turn around my credit score drops because someone has checked on my score for some reason and my score keeps dropping!!! This is absurded!! And I want it stopped and my score straightened out!!!!

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 2018-06-28
Company: Ditech Financial LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a loan with DITECH FINANCIAL LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DITECH FINANCIAL LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX 2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Southern Auto Finance Co
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was out of job for 2 years because I was hurt. On XX/XX/2018 I went to Speedy cash and I took a payday loan in the amount of {$960.00}. I was desperate and I did not wanted to become homeless. I went there and they did not explained to me what I was signing. I have been paying {$210.00} on XXXX of the month since XX/XX/2018. I saw in the app that on XXXX first I have to pay {$1200.00}. There is no way I will be able to come with that money. The payments I have been making in XX/XX/XXXX total XXXX and while I understand businesses need to make a profit, I dont understand why I have been charged so much interest. I want to honor my commitment but it is so much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid with my credit card for a trip with XXXX XXXX  on XX/XX/2020, for known reasons of the COVID 19 pandemic, the trip was canceled and the XXXX Shipping company returned the amount of {$6400.00} to my Chase bank credit account. USD which is reflected in my account statement dated XX/XX/2020, however that same date I call the bank and requested that the money be transferred to my savings account with the same Chase Bank. And the person who took the call told me that the money couldnt no be transferred to the savings account. Without giving me any explanation or reason why the transfer can not be done, but she told me that she was going to send a check for that amount to the address that I have registered in XXXX California,. However to this date I have not received any check or transfer of this money, I have called on several occasions and I have had contact with different executives and institution`s who had not giving me a reason for the problem that exist., The last executive with whom I had contact with, informed me that they had already tracked the money which had been deposited in a checking account with termination XXXX which does not correspond to me As of today Chase bank does not take responsibility for their mistake.Because of this situationI have develop a condition called XXXX XXXX caused by anxieyi this condition is a XXXX XXXX that prevents me from traveling to fix this matter personally

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XX/XX/XXXX cable was disconnected for non payment by XXXX XXXX,. In XX/XX/2018 i recieved final bill for service and all equipment was turned in prior. Late XXXX i was still being billed for service i did not have called company they were supposed to have fixed bill late XXXX received updated final bill. XX/XX/XXXX I called to have my service reconnected and was told I had to pay off the old bill of {$230.00} in which i did to receive new service. paid the amount in full started new service. in late XXXX I received a collection notice saying I owed a past due bill of XXXX called collection company and XXXX to resolve matter, XXXX claimed they had to research the matter in XXXX received a collection from diversified counsultants called and explained to diversified consultants that XXXX had yet to verify my collection and my situation i again called XXXX to verify the debt and correct the situation again told they would research and get back to me. called XXXX  again in late XXXX they stated the would get back to me after research in late XXXX added collection to my credit report by diversified consultants. Neither company will verify the debt or where the balance came from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Applied Data Finance, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an offer for prequalified line of credit from personify on XX/XX/XXXX. I made application provided all of my documents and let me know would be 24 hour process to qualify for the loan. I heard nothing back in a few no correspondence from the company whatsoever on calling on XX/XX/XXXX, I was told I was declined without reason. Now my credit is affected because of the inquiry and I have no reason why I was declined. Should not be able to send out pre-qualifications and preapproval without being able to provide a loan. I feel baited into this application because it was directed to me personally and I would not have otherwise applied if I had not received the mail and offer

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 2018-06-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed at my home in Florida in XXXX of 2015. My account address was listing as Florida and the car was registered to the same address in Florida where the car was repossessed. I never received any documentation after the repo. After seeing the repo on my credit report I have contacted the company and they sent my notice of intent to sale and explanation of surplus or deficiency to my old address in North Carolina instead of my known address in Florida. I believe that this was done purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CHASE XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have filed a complaint and have been denied to talk to management. I have been told to wait 2 days for a call for management. I suppose to be protected from liabities of fraud. Im writing you with a negative XXXX account. Documentation and Police Reporr that hasnt been verified. Im looking at my children that are hungry and still no Manager was notified in my crisis. 

I had a XXXX ams had XXXX XXXX XXXX. Im unaware of what transactions happen from XX/XX/XXXX to XX/XX/XXXX. My passwords were changed My phone, license, social security, debit cards, amd cell phone with electronic wallets are missing. 

I had a deposit of XXXX on XX/XX/XXXX I noticed when I got discharged from the hospital my balance was XXXX dollars Today its is negative. I started calling customer service since XXXX and now at XXXX cst Im still on hold. I have been refused management. I was this morning I was going to get a provisional credit and now told this phone call doesnt exist I have been refused a full investigation. I have been talked to horribly. Im begging for help because my children need to eat. I have to pay for shelter. 

I just asked a resolution specialist how would you feel about this situation. She says dont bring my children in this. I filed an OCC COMPLAINT due to I put money in a bank for this emergency Im a single parent and cant give breakfast in the morning. I wasnt given the opportunity for a full investation. The disputes range up to XXXX and still counting.

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 2018-04-24
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint has to do with merchant refunds not credited to my bank account On XX/XX/XXXX XXXX refunded XXXX to our bank account under my husbands debit card number On XX/XX/XXXX I called Citibank to find out where this credit was The supervisor told me that it was pending and it would be released and credited to our account at close of day ( XXXX ) I never received the credit so I called XXXX and they reassured me ( and verified through a ARN tracking number ) that the credit was issued The manager from XXXX called Citibank and initiated a three way call The Citibank rep stated that there was no credit pending and I would have to wait 10 more business days before filing a dispute She said that whoever told me on the XX/XX/XXXX about seeing a credit was mistaken because it is impossible to see anything on their end until it actually posted The citibank employee right out lied to me The Wayfair manager then gave the citibank rep the ARN number ( the bank tracking number ) and told her that the refund was issued and this tracking number was used to make sure XXXX had dispersed the funds He explained that the refund was received by citibank and there was no reason for my account to not have been credited I then asked if I could file a complaint dispute through email or fax I sent a fax along with a letter from XXXX but still have not received a credit I suspect that something or someone on the Citibanks end is holding or stealing any refunds going into our account I have never had any refund not credited within 24 hours after the merchant issues it I am really convinced there is something going on with our account as we are filing another separate complaint about another XXXX refund that we have not received Please check into this matter ASAP as bank fraud could be involved

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 2018-04-24
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In early XX/XX/XXXX I received a notice of a collection account placed on my XXXX credit report from Williams, Rush and Associates, LLC at XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, TX XXXX. The original creditor is noted as XXXX ( educational ) for a debt from XX/XX/XXXX. This is an unknown account to me so I took steps to dispute the transaction with XXXX. A few days after the appearance on my credit report, I received a phone call at home from the collector. I explained that I was unaware of this debt and had no idea what it was. The agent said a letter had been sent back in XX/XX/XXXX, however, the address they had on file was an address I have not lived at since XX/XX/XXXX. Interestingly, upon further review, I see that Williams Rush had done a soft pull on my credit report in XX/XX/XXXX, which means they would have had access to my correct address as well as the fact that a debt from XX/XX/XXXX should have had the correct address listed with the original creditor. I asked for something be sent to me in writing at my correct address so I can dispute the debt. To date I have received nothing from Williams Rush giving me the opportunity to respond with a validation request. 

Currently, there is an extended fraud alert placed on all three of my credit reports in late XX/XX/XXXXas it was discovered that someone was using my social to try to obtain credit cards throughout XX/XX/XXXX and XX/XX/XXXX. The second call I received from Williams Rush in XX/XX/XXXX, the agent claimed that I would have to prove identity theft with them in order to not be liable for the debt and I would need to file a police report. Per discussion with my local police department, they do not do identity theft reports unless actual theft has been proven, which it has not. I am very frustrated that I can not get anything written or sent to me from this collection agency regarding a debt for me to be able to validate or dispute it. They are also responding to credit report disputes as valid without proof. 

My research shows that XXXX ( the original creditor ) is a tribal payday lender, who is not licensed to lend in the state of Texas.There are multiple complaints against this company for their illegal practices. I find it very concerning that a collection agency is reporting collection accounts on unproven payday loans on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: DISCOVER BANK
State: GA
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 recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 XXXX Dc XX/XX/18 XXXX XX/XX/18 XXXX Fa XX/XX/18 Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: DISCOVER BANK
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Predatory Lender - Discover Student Loans For years I pay {$500.00} per month through auto pay. 

XX/XX/XXXX and XX/XX/XXXX Discover reduced my auto payment to {$170.00} without my permission. 

When I called Discover they used a computer cliche as an excused for reducing the payment. This cost me {$50.00} more in interest and they only compensation me {$10.00}. 

My concern is for the thousands of others crushed by student loan debt who they may suffered. 

XX/XX/2018 Loan XXXX {$10.00} Paid ( compensation ) XX/XX/2018 Account XXXX {$500.00} Paid ( corrected auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$500.00} ( prior years monthly payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
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: Their investigation did not fix an error on your report

Complaint:
This is a complaint in response to a previously closed complaint filed on XXXX, reference number XXXX based on a response from Experian on XXXX. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification of the credit reporting agency as required within five ( 5 ) days of previously disputed information that is invalid. 

In the response to the above referenced complaint, Experian 's official, binding response stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. According to our records the account number provided in your complaint is not appearing on your Experian credit report. '' However, based on a review of my Experian credit file on the date of their response ( XXXX ) and with re-verification on XXXX, the information they stated is " not appearing on your Experian credit report '' is and has been present on my credit report since before the original complaint was filed. The information was verified directly by a service that is owned and operated by Experian. 

Experian 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required.

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 2018-06-27
Company: Nelnet, Inc.
State: FL
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:
I had 9 loans with XXXX XXXX that were serviced by XXXX XXXX for my XXXX  degree. I had 1 loan that was serviced by XXXX XXXX for my XXXX. The 9 loans have a first of the month due date and the 1 loan has a mid month due date. The 9 loans were transferred from XXXX to Nelnet in XX/XX/XXXX. The 1 loan was transferred to Nelnet in XX/XX/XXXX. Nelnet has now combined all 10 loans into one account with a first of the month due date. I have asked them to separate the loans back into two separate accounts so they can have separate due dates. They have refused to do this citing internal policy. I have contacted them twice to resolve this : XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Fidelity National Financial, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We have sold our house. The Escrow company has been paid. They closed and recorded all appropriate documents per docs. sent to me and my spouse. Since closing on and settlement date of XX/XX/18, the Escrow company has been holding the amount of XXXX for a debt they can not prove. We have tried repeatedly to find out what this supposed debt is as we have never re moved a bill or statement of any debt to any debtor for this amount. Today, the response from escrow was to hang up on me. In returning the call, I was given to someone that told me " upper management will call you when she arrives at XXXX. PST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
US Bank Credit Card Collections Department charged my US checking account without authorization on XX/XX/XXXX. The amount is {$790.00} which they claim is for the US credit card payment due. The US credit card with US Bank I have is in disputed status due to excessive fees and interests charged. 

US Bank Credit Card Collections department sent notice that arrived on XX/XX/XXXX XXXX ( mailed oXX/XX/XXXX ) to state they are going to charge my checking account, not allowing time to dispute. 

I called US Bank today and notified that this transaction was not authorized, disputed it, and requested return. The US Bank stated no intent to return the funds.

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 2018-12-11
Company: BARCLAYS BANK DELAWARE
State: CO
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:
I applied for a Barclays Arrival Plus card earlier this year. I was not immediately approved. In fact, it took SO LONG for Barclays to approve me, that I was back from the vacation in which I'd planned to use the card before I even received it ( 10 day vacation -- not a weekend trip ). When I was approved for the card, the value of the welcome bonus was XXXX points more than it was when I applied. 

Again, when I was actually approved, the welcome bonus was higher. 

I contacted Barclays and asked, as a ( very ) basic courtesy, if they could match the new bonus given how long it took them to actually approve me. 

Customer service provided zero actual service ( zero service at all on the part of one manager, 'XXXX ' ). All I'm asking is for them to honor the bonus that was available when I was FINALLY approved -- and the reason approval took so long was entirely on their end, not mine. If they'd approved me immediately this wouldn't even be a question.

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