BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Zelle is a free service provided whereby Zelle provides a user interface for the institution to integrate with. 

The interface is the same for each institution - at least each institution that I use that offers the Zelle product. 

The interface is very confusing- it offers immediate transfers within limits, next day transfers within limits. 

When creating the request to transfer, the limits are stated but the disclosure is confusing. For instance, I needed funds to be transferred immediately. The disclosure did not indicate that the transfer would not occur immediately, until after I initiated the transfer. Then the transfer request result reported, " sent today, available tomorrow ''. Now I needed those funds transferred immediately. My only option now was to pay {$10.00} to reverse the funds and I called the bank ( XXXX in this instance ) and they told me that it take weeks to get the funds back after cancelling and they they could not help me - better to let the transaction go thru. The PROBLEM - because it was not immediately as expected - I now incurred fees at the other institution. If I would have know that this was not going to occur immediately, I would have went to the bank and made a withdraw and a deposit to the other institution. Deceptive. Not efficient. Not customer friendly. I would like my fees paid by ZELLE and XXXX- the bank should have a responsibility to make sure that a product they offer meet certain standards. 

While writing this complaint..XXXX XXXX called and totally did not care about the issue- very condescending. She just said- well it doesn't do that. OMG. What standards are companies- especially banks held to. If they need customers- they don't care to show it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has not provided verification or validation of this debt. This does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I want to spread the word about American Express Serve they are suspending accounts or closing them when our stimulus and tax returns hit the account preventing us to have no access to our funds. I can't even login into my account to access my {$4300.00}. I get my XXXX, work pay, tax return and stimulus on this account and no way of accessing my money. As soon as my stimulus hit my account they suspended my account. I called and a representative told me there was nothing they can do and hung up on me. I called back and was on hold for an hour only to get the same scripted message there was nothing they could do and I should write a letter to a GA po box requesting for my funds to be sent in a check and even then it is not guaranteed that it will be approved. I been using them for over 10 years and never experienced this. I have no money for diapers, tissue food. I have to find another bank for my payroll. I am not the only one who is going through this. Attached to this email is a list of people in a American express Serve XXXX who are going through the same thing im going through. 

I can't even hire an attorney because they have all my money. The word has to spread that these people are crooks. I did a complaint with XXXX and it looks like every since the first stimulus they've been doing this and having complaints about them stealing people money by closing their accounts. 

Please help spread this word people are suffering and need this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
After I was laid off due to covid-19 I called credit acceptance to see if I could change the due date or defer the payment for a couple weeksso I could get a clear pucture of my financial situatio, they said no, we will not make collection calls, however reposessions, credit reporting and late fees are moving forward as always.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Nelnet, Inc.
State: MI
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 want to file a complaint against Great Lakes Loans servicer ( mygreatlakes.org ). I paid on my school loan during the COVID pause even when I didnt have to from XX/XX/XXXX all the way up to early XX/XX/XXXX of this year. I learned in late XXXX of this year that per the Covid CARES Act I could request a refund for the payments I made during that period so I jumped on that ASAP. 

On XX/XX/XXXX I called and requested a refund with Great Lakes Loans. The man l spoke to on the phone told me I was eligible for at least $ XXXX back and he told me my refund should be processed and available in my bank account in about 30-40 days. Once we got off the phone I waited and after that time period had passed I still didnt see any changes on my account with them ( not even a balance update ) so I called again to make sure my refund request went through and this time they told me Id have to wait 60 days. 

As of today ( XX/XX/XXXX ) its been at least 60 days now and I still dont even have a balance update on my account with them. Im losing patience because it doesnt seem like my request is actually getting processed and the White House just released the Student Loan Forgiveness Application ( and Ive been holding off on applying because my student loan account still hasnt been updated ). Online Im seeing a lot of people who applied for a refund with Great Lakes Loans in XXXX and XXXX getting their refunds way earlier than me while Ive been trying to be patient this whole time. Please help me speed up this process with my account so that I can finally apply to the Student Loan Forgiveness program before its too late. Great Lakes Loans customer support has been useless and I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recieved credit alert from XXXX and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and 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 2016-08-10
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing ( SLS ) engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I provide SLS with the enclosed Notice of Error & Request letter for Information pursuant to XXXX. SLS never responded or took any corrective action pertaining to my my monthly income. SLS never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX 
SLS incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00}. per month on XXXX XXXX, 2016. This error makes it appear my loan modification request did not meet the requirements. 
I also previously sent via fax and email the same updated profit & loss statement on XXXX XXXX, 2016 and verified with a SLS representative via phone call that they received the profit & loss statement. 
The SLS representative told that they did not use the updated profit & loss statement during the processing of my loan modification request and instead pursued the prohibited practice of dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIBANK, N.A.
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:
MACYS/CITIBANK, N.A. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you MACYS/CITIBANK, N.A. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2015-12-19
Company: Northstar Location Services, LLC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Northstar XXXX from New York is the collections agency handling my account. I have been trying to settle my account with them. On Thursday XXXX/XXXX/15, a representative told me that if I did not pay the account in full by XXXX XXXX, 2015, they were going to report me to the local police department and I would be arrested and could face jail time.

Company response to consumer: Closed
Consumer complaint received 2021-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to withdraw cash from my Edd Bank of America debit card and someone withdrew {$1000.00} from my Edd debit card account. on Monday on Tuesday day withdrew another {$150.00} I immediately call Bank of America and reported the fraud. During that time in the area of the bank a male person call my wife phone claiming that he was an investigator  looking for a person who lived at our previous address at XXXXXXXX XXXX XXXXXXXX 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 2022-10-26
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 tried to resolve with Discover and XXXX XXXX same item, unauthorized charge! XXXX XXXX investigated and reversed the charge balance XXXX. Discover at my request dropped charge, after the claim investigation, but kept adding charge back XXXX, 2022 to present XX/XX/2022. Now they are adding fees of {$29.00}! 
Discover card cancelled by me XX/XX/2022. Every month I get a statement with an account number ending # XXXX. I opened a survey XXXX which turned out to be a scam! Original charge was {$54.00} ( approx. ) now it totals {$85.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original credit card debt from XXXX from an old XXXX XXXX credit card. Collection bill was sold to Sentry Credit , Inc . I received updated collection bill on XXXX for {$660.00}. I paid {$660.00} on XX/XX/XXXX. Sentry Credit did not report bill as PAID IN FULL. My credit has been dinged and the credit reports say this bill is UNPAID. Such fraudulent practices when a person actually pays their debts?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
So I wanted to buy a service of private coaching with this affiliate marketing company. They suggested to make a loan application with affirm to finance the cost. At first, I accepted on XX/XX/XXXX around XXXX I verbally told the vendor ( XXXX XXXX ) yes, I want your product, so I did an application with affirm. the loan was approved. The next day when I got the electronic documents to sign for the service, I changed my mind informed the sales agent, XXXX customer support that i didnt want the service. I didnt sign the agreement for service ( i have emails and text msg that show our communications ). I called affirm at XXXXXXXX XXXX to stop this transaction within XXXX. The agent said we had to wait for the funds to be collected by the vendor to ask for a refund. I didn't really believe that true so I called again XXXXXXXX XXXX  to double check maybe the agent was misinformed but they confirmed to wait and ask the vendor for the refund. 
At this point, any financial institution should be able to stop a transaction when the customer is asking for it. But I decided to listen to Affirm wait and ask the vendor for a refund. 
A few weeks later, XXXX support finally responds they have a no refund policy. I have looked into their policy and also Affirm has sent me some links and as of today XX/XX/22 the policy doesnt mention PRIVATE COACHING AS NON REFUNDABLE. 
XXXX XXXX does offer other services like commision hero and inner circle that are mentioned in the policy but not PRIVATE COACHING. 
I opened a dispute with affirm after I got this response from XXXX support, my point was simple I never signed an agreement to proceed when the vendor reached me back, I notified them that I no longer needed the product. Affirm kept denying my Dispute saying that the vendor acted within their policies. 

First ( XXXX support ) Their policies do not mention private coaching as non-refundable, second I called affirm to cancel the loan and the transaction within reasonable time. I find myself in an ordeal because Affirm doesnt listen. Didnt listen when I called to stop the transaction and doesnt listen to a customer saying I didnt get a service, I didnt sign for it. How is that fair? Affirm just want me to pay for this loan and wash their hands when this could have been prevented. Affirm does record all their calls for quality assurance so they have the evidence that I called multiple times. 





I have attached : the repeated denial communications with Affirm The communication with the sales agent, the emails the emails with XXXX support Proof that no service was agreed, and they are asking me to approve it so we can schedule the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill with XXXX for {$28.00} for service on XXXX XXXX 2016. I paid the bill in full on XXXX XXXX 2016 to XXXX. Sadly Wakefield has haressed me about it in even after payment was made and added interest to the bill. They called me a liar about making the payment and continue to send bills.

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 2021-03-13
Company: Ray Skillman Chevrolet 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: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous hard inquiries on my credit report from XXXX ray skillman XXXX and XXXX XXXX. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1- Open a High-Yield Savings account with XXXX owned by Webster Bank 2- After a month, interest rates started to go up in other banks but not in this bank 3- Decided to withdraw my funds from Webster on XX/XX/XXXX 4- Setup up external transfer with my regular bank XXXX XXXX XXXX XXXX Checking Account ) 5- Been waiting for two weeks for my transfer to happen but Webster Bank held my funds hostage and asked for a ) Latest bank statement of XXXX XXXX XXXXXXXX and b ) Copy of my Florida Driver 's License. I sent the documentation via their encrypted server ( as requested ) and called them a few times validating they received the documents. 
6- They stated it would take up to 3 days to review/clear/reject the documentation 7- Today, on XX/XX/XXXX, received an email that they " Stopped '' my transfer without any explanation 8- And they also, eliminated my access to my account, the bank log in does not work 9- The transfer is for only {$5000.00} USD, not a large amount and they are holding my funds hostage, please need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-02-02
Company: Western Management Consultants
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First of all, all calls on my phone are recorded at my place of work. I received a message to my office. I called the number XXXX. Immediately the representative answered the phone and became very aggressive, by saying my name social security number and addresses. I told the rep I was unsure of what they were asking about. I then asked him to please not contact this number and he began to threaten me by calling other numbers. He mentioned he could do a contact search and contact other people I know. He was very abrasive and became very condescending. I called back to speak to XXXX and get his contact information, He would not give me the representatives name and has had me on hold now for 10 minutes ... I decided to hang-up and call back at the XXXX they answered the phone but would not respond. now when i call the number I do not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIBANK, N.A.
State: ME
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:
On XX/XX/2022 Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX deducted {$14000.00} from my account to cover bal Tranfer check XXXX made out to XXXX XXXX but then stated the offer expired and interest was at standard APR so I paid {$14000.00} in full XX/XX/2022 to avoid interest. I received new checks valid for bal transfer so I wrote out check XXXX on XX/XX/2022 in the amount of {$14000.00} at zero % interest depositing to my own bank to cover payment I made XX/XX/2022 to Citi Bank in the same amount of {$14000.00} at this point I was notified by XXXX XXXX first check XXXX made out to them was rejected and returned, I called Citi Bank to find out why check XXXX was rejected and was informed check needed to be deposited in my own bank so it was rejected, I then asked why was the funds not still in my bank giving my a {$14000.00} surplus on XX/XX/2022 when payment was made by me and at this point they will not give a straight answer and continue to refuse to return funds for rejected check XXXX in the amount of {$14000.00} back to my account. I have called City Bank several times a week for over a month and every time they tell me to wait or money will be returned in 7 days or just hang up but as of today account still shows balance due in the amount of {$14000.00} plus bal transfer fee of {$720.00}. As soon as Citi Bank rejected honoring check XXXX in the amount of {$14000.00} on XX/XX/2022 and received my payment in the amount of {$14000.00} on XX/XX/2022 account would have surplus in the amount of {$14000.00} so check XXXX in the amount of {$14000.00} on XX/XX/2022 would have been refunding my own money leaving account at zero balance. Citi Bank refuses to correct their error..

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 2020-03-23
Company: Franklin Collection Service, 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: Information belongs to someone else

Complaint:
I contacted XXXX  and XXXX  about 2 inaccurate accounts that did not belong to me. 
There are also 6 inquiries that I explained that they were done by identity theft that my personal information was compromised due to a data breach and I was told to contact the companies directly and didn't remove them. because of these, it has caused my credit score to become distressed and caused me to not be able to support getting things I need for day to day living. so this is why I'm reaching out for your help to correct this situation as soon as possible.

Company response to consumer: Closed with explanation