BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been trying for years to determine how my loans have the interest rate they purport to have because I do not believe it is correct. When I spoke with my loan servicer, I was advised to contact the department of education. When I contacted the department of education, they told me to contact my loan servicer. I was finally able to obtain a marginal print-out of my student loans but it STILL does not contain the ( 1 ) actual notes indicating the interest rate, and ( 2 ) it also failed to show some of the interest rates on my loans claiming that the interest rate is variable. Last year, I found a major discrepancy in how my interest was being capitalized which led to an approximate {$14000.00} modification to my outstanding loans. I want to make sure that the proper interest rate is being applied to my loans. 
Moreover, I want to confirm that the principal on my loans are correct as well. 
All avenues that I have tried have failed to provide me with : -proof of the interest rate ( as it was upon execution with my loan documents ) ; -proof of principal ( as it was upon execution with my loan documents ). 

I can not understand why no one can provide me with a copy of my loan documents, and also provide me with proof of my interest rates. 

I will pay the debt I owe, but I believe I am being overcharged. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Auto Trakk, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I paid off a XX/XX/XXXX from AutoTrakk XXXX. The agreement was XXXX dollars to close the account. I kept the arrangement and paid the monies as requested. Auto Trakk updated the credit report to say Paid, Closed. However Since then Auto Trakk has been reporting on my credit report for 10 months last reporting was XXXX. Causing my credit score to go down XXXX points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: OneMain Finance Corporation
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE ACCOUNT IS CALLED XXXX XXXX  XXXX XXXX WAS OPENED ON XX/XX/XXXX OF A BALANCE OF {$440.00}. I CALLED MORE THAN 5 TIMES STATING IT WASN'T ME AND IT WAS REPORTED ON MY CREDIT REPORT. 

ALSO, A COMPANY NAMED ONE MAIN WAS OPENED WITHOUT MY KNOWLEDGE ON XX/XX/XXXX. THE BALANCE WAS {$4200.00}. THAT WASN'T ME AS WELL. I CALLED THEM TO STATE THAT INFORMATION AND NOTHING WAS DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX I noticed 2 charges debited from checking account that I did not authorize. I immediately called my bank Wells Fargo and spoke to the Fraud department. They immediately stopped my debit card that they say was used. The two charges were for the same exact amount of {$47.00}, shows authorized on XX/XX/XXXX at XXXX XXXX ' XXXX, CA. The customer service member at Wells Fargo was able to tell me that he did show the card was not physically swiped at the location. I was issued a new debit card as my current one was comprised and a claim was opened. I received notification today that the claim was closed. When I called Wells Fargo they advised me their internal investigation determined it was not fraud and that I would not be reimbursed for those two charges. They will not provide me the location the charges were made from or how they arrived at their determination and what proof they had that I authorized the charge and that it was not fraud. I was also hung up on by the representative when I asked how I can appeal their decision.

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 2022-11-09
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed on a house on XX/XX/XXXX and it was not received till the XXXX of XXXX the mortgage company knew it was being paid off but they put a 30 day payment on me and now I cant get a Mortage cause of this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX, I entered an agreement for Transworld Systems , Inc. to accept temporary monthly payment arrangements of {$5.00} ( due the XXXX of the month ) in conjunction with my request to participate in the XXXX XXXX XXXX XXXX XXXX program, as authorized XXXX. I received letters from the company dated XXXX XXXX, XXXX and XXXX XXXX, XXXX ( was received via email as an e-notice on XXXX XXXX, XXXX and XXXX XXXX, XXXX ) of my authorization for the company to deposit the amount of {$5.00} on XXXX XXXX, XXXX. As agreed, the amount of {$5.00} was debited from my XXXX XXXX XXXX Checking account by Transworld on XXXX XXXX, XXXX and posted to my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX ( letter dated XXXX XXXX, XXXX ), I received an e-notice from Transworld Systems , Inc stating that I agreed to send payment in the amount of {$5.00}, due on the XXXX of the month, and that the payment was due and not received. This company is requesting that I send a current balance of {$22000.00}. I contacted the company on XXXX XXXX, XXXX to resolve this issue as well as visit the website listed, XXXX.com to file a complaint, however, in order to file the complaint I need to enter the registration code which has not been provided to me in any of the Transworld mail correspondences. Currently, 15 % of my biweekly wages are being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have received a six years loan from Ally Auto Finance on my XXXX XXXX XXXX and I paid off my loan completely. But before I paid my loan I requested two extensions during XXXX that were delayed and the manager did not call me back and later did not grant the extensions. Ally delayed the extensions and as no manager called me back they accumulated late fees, and on top of the late fees they accumulated more late fees, right now are at over {$250.00} and growing. Ally instead fraudulently collected more late fees and withheld my pink slip to try to repossess a paid off loan. I asked for my title and pink slip at least 10 times, but Ally refused to send me my title. The XXXX XXXX speaking representatives always lied to me and even when they promise their managers will call me, no one called me and the still collected more late fees that they added to the loan and that they say I owed. I asked them to remove the late fees and send me my pink slip and they ignored me. Meanwhile they have reported me to the credit bureaus and my high credit score dropped and was damages because of Ally. Ally also blocked me access to details of my loan online and I could not access them to request my pink slip online. This company is evil after I was a good customer for 6 years and paid off my loan they mistreat me and engage in fraud. Please help me!

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 2022-11-09
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan from Wilshire Consumer Credit for XXXXXXXX XXXX  installation. On XX/XX/XXXX, I contacted them and requested a payoff quote. The loan was paid in full on XX/XX/XXXX. After that, I contacted them to request a XXXX release and noticed the balance of {$22.00}. The person helping created a ticket that takes XXXX hours to review. Time passed by, but I didn't receive any responses. On XX/XX/XXXX, I contacted them again. The person named XXXX placed me on hold and disconnected the phone line. I called back, and the person helping responded that the balance was {$55.00} because I underpaid the loan. After explaining that the payment was based on the payoff quote, he transferred the line to his supervisor. XXXX ( supervisor ) was very nice to tell me that the balance is {$22.00} and it is a late fee. I asked to waive the fee since I paid the full balance of {$27000.00}, but his response was shocking. He can not waive the late fee since they received the payment on XX/XX/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 2017-02-17
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It 's actually XXXX of the above. This number calls me 3 times a day, one of the calls coming between XXXX to XXXX, and I 've had to resort to using a call blocker app to not have my phone go off during class.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX offered XXXX Membership rewards points for spending {$3000.00} within 3 months. I have since earned points on XXXX XXXX, 2017 as a result of meeting the terms and conditions of the offer. XXXX XXXX will not allow me to access these points due to a " review '' and can not offer a concrete timeframe on me being able to use them. I request that they release these points for use, as I have met all of the terms and conditions of the offer, and my card account is in good standing. I made an effort to resolve this via XXXX XXXX, but the representative could not assist, and claimed the review was not something he could influence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX, I discovered there had been a XXXX day late placed on my credit report in XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, ( XXXX ). I contacted XXXX over my credit report, they explained that there had been an error on my account and they would send a letter to all XXXX credit reporting agencies and have the XXXX day removed. XXXX XXXX XXXX immediately removed the XXXX day late from my credit report. Experian still left the XXXX day late on my credit report. I have filed two disputes with Experian, and XXXX times have come back denied. After the second dispute, I received a letter from Experian explaining that the XXXX credit reporting agencies interpret data differently, therefore they would not be removing the XXXX day late from my credit report, even though it had been requested by XXXX to be removed. 
I have no choice to believe that this is a discriminatory act from Experian because I am XXXX Service Member. 
I am respectively requesting any assistance in this matter. The only flaw on any of my XXXX credit reports is the invalid XXXX day late from XXXX that Experian refuses to remove.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: DISCOVER BANK
State: NC
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, TRANSUNION & XXXX see attached ;

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 2022-11-09
Company: DISCOVER BANK
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen and in my wallet was my license, SS Card, a XXXX by XXXX XXXX credit card, both a XXXX credit and debit card and my Discover Credit card. I called Discover notifying them of unauthorized charges on this card and that my wallet was missing. I asked for the card to be locked and a total of {$1700.00} worth of transactions were disputed. I explained to Discover that the thief was making unauthorized purchases with a stolen credit card.. The transactions consisted of out of state purchases and unauthorized online transactions. As of XX/XX/XXXX Discover is holding me responsible for all out of state and online purchases. I have contacted merchants and have received details of the online transactions ; they are made from email addresses that DO NOT belong to me. The email addresses are ; XXXX, XXXXXXXX XXXX XXXXXXXX My Discover was stolen and used to make unauthorized purchases from XXXX XX/XX/XXXX. The law states that : " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. But despite the updated guidance, banks in many cases are refusing to refund customers who claim - often with supporting documentation - that money was stolen from their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I 'm on XXXX for an accident i had on XXXX first. XXXX has deposited money into a Bank of America account. I do not have access to this account. I have not received anything from Bank of America. I found an expired Bank of America XXXX and was finally able to get someone on the phone. I was told that i had to pay {$10.00} to receive a card so that i could access my money. My bills are late my phone is turned off and they 've had my money for over two weeks.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-18
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was removed before I could get out.Locked out 2017 the was changed before XXXX, added entries XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Frontline Asset Strategies, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calls are coming everyday for someone else. Calls during working hours when I can't answer. I was able to answer today and they hung up on me. My wife has called 3 times. First time she was told they were looking for a woman and not me. They marked it as wrong number. The last two were to get them to stop. The last call was today XX/XX/2022 and they got rude and hung up after stating it would stop in 24 hours because she told them if it doesn't stop we will file harassment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I filed a dispute with American express serve prepaid. after not receiving the provisional credit that was promised of the unauthorized charge of {$600.00}, with 10 days, I called their customer service. The rep told me that she would email a supervisor do that the credit could be issued. 3 days later, I went to withdraw funds and was unsuccessful. I called CS and they states that I violated terms and condition and my account was now closed. The dispute was declined which caused the account to be shut down. I received correspondance via email that I had a right as a consumer to know why my dispute was declined. CS told me that it was internal info and they could n't tell me anything. I contacted the merchant and they advised that they were never contacted in regards to my dispute. I also have a police report to support the claim of {$600.00} that I initially filed. They NEVER investigated my claim. They simply XXXX my account down. They told me not to worry and I would be recieving the rest of my money via usps 7-10 days. It is now day 13 business days and I have n't received my XXXX that was in the account. This is a major inconvenience and definitely a scam. If you file a claim over {$400.00}, they will not send you a replacement card and they will not investigate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
I initiated a credit dispute with American Express on XXXX XXXX, 2016. AMEX, unilaterally allowed the merchant to reinstate the charge without properly investigating the facts. The time for resolution by AMEX/XXXX as now expired and a full credit is due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained and what information and see if it's legit. Please note that I don't a verification but a validation containing the information listed in the letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief