BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: Brelvis Consulting, LLC
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I have received multiple robo calls from  XXXX  Each time I am left a message or listen to a recording from   XXXX   XXXX   of Student Loan Help Center saying he has my application on file, and needs for me to call back so they can finish processing it and I can consolodate, have my student loans refinanced, or forgiven. Several weeks ago I called back and let them know I do n't have any student loans. I did not hear from them again until today ( several weeks later ) .I called back and left a message saying I 'd like to know how they can help me. I was immediately called by " an assistant '' who asked me if my loans were current. When I said I did not have any, nor had I ever had any student loans, she told me they must have my number by accident and abruptly hung up.
The numbers I have received calls from or called are :   XXXX     XXXX   XXXX  , CA a  XXXX  phone number   XXXX    XXXX , CA   XXXX     XXXX   XXXX  , CA

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: FL
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:
The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is reporting an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.

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 2021-08-24
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  compromised my identity by a system breach so I moved from XXXX to XXXX. XXXX promotion paid off our phones and we transferred services. I went to the XXXX XXXX CA locations and spoke to the store manager and made the prorated payment as asked. When I left the location I had a XXXX {$0.00} balance. On my credit XXXX ( Convergent ) has been reporting an inaccurate balance since XX/XX/2016 and I have disputed this several times with all 3 credit bureaus. They have sent an inaccurate bill dated XX/XX/2016 to ''provide proof '' to keep this on my credit when it has been paid off. XXXX and XXXX are now sister companies and they need to correct this situation between the 2 of them and remove the items from my credit as it is not my debt and I should not have a negative impact on my credit because of this. This is unfair and illegal to collect more then once on the same bill. 

I have paid companies to clear this up and has cost me hundreds of dollars! I have spent more then the bill because its the principle of the matter!!

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 2020-03-04
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The XXXX branch has denied me access to my checking, savings, and debit cards. They stated my inheritance check for XXXX was fraud and could not give me access until it cleared. The check cleared 2 weeks ago and instead of giving me access they blocked my debit cards and refuse to give me kk why even when so come inn with an ID. The fraud department said the blocks are the branch managers discretion. The branch manager keeps telling me she is looking out for me and stated several different times that it would be fixed in a couple days. As of Monday XX/XX/XXXX she said she would call me back and never did. Monday I filed a complaint with the executive offices XXXX XXXX XXXX who stayed I would get a call from someone above the branch manager within 48 hours. That time has passed and still no response or resolution. Currently the bank is denying me access to my XXXX check that cleared two weeks ago. Tomorrow I will have my monthly deposit that I cant access and soon my social security. Ive been left without money for food, medicine, bills and daily living. I had to borrow money just to survive with food and medicine. My bills are going unpaid. 
There is no legal basis for this bank to deny me my money. I want the account closed and money released to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We are requesting of you to fully investigate the accuracy contained in our credit reports. We further believe the credit bureau, XXXX & TD bank are in violation of the following. 

Fair Credit Reporting Act ( FCRA 15U.S.C.1681 Section 616- Willful Non Compliance Section 617- Negligent Non Compliance Section 621- Administrative Enforcement In addition we are requesting to have the entire trade lines Deleted and for the credit report to be marked as Closed Without predijuced

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am so frustrated right now. I only get paid XXXX and believe me, it 's not a lot. On my XXXX check I made a payment for my nephew thinking that I was okay. I forgot that I had sent out some packages through XXXX. Well I ended up going overdrawn, not by a lot. Well XXXX tried to do these small charges ( {$2.00} - {$3.00} ) several times and I did n't have enough in my account. Well they were trying every couple of days and the bank was charging me {$35.00} for every XXXX. When I checked my balance Saturday it was {$1200.00} overdrawn, I was flabbergasted. So I added up the charges and it came to {$1200.00}, so that means that I was {$8.00} overdrawn. I 've been on the phone so many times and after talking to several different people they credited me {$250.00} so they could get it under {$1000.00}. I understand that I was overdrawn and should be penalized but the charges seem a little absurd. I do n't know if you can do anything for me, but I am on Social Security and I really ca n't afford it. Thank you for your time. 


Sent from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone stole my identity and charged {$810.00} on XX/XX/XXXX at XXXX while both my husband and I were at work. We disputed the transaction on the same day with J.P. Morgan Chase and they reversed the charge, in addition to making us verify our identity with them before unlocking our checking account and issuing us new debit cards. They then about a week or so later put the charge back on claiming that since the correct pin was used that it was a valid charge even though as part of the identity theft they got my pin.

Me and my husband have tried to work with Chase ( even emailing their executive team ) and they say that since the correct pin was used regardless of whether it was identity theft or not that we are out of luck and refusing to give us back our money. While I do not have a copy of the police report I do have the police report number, I do have the number from the city : XXXX with the City of XXXX in XXXX WA and Chase does not think that is good enough. As this falls under Regulation E, I ask for your immediate help to get this resolved.

We can not afford to be out this money as this is causing us to get behind in our bills and messing with our credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: NY
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:
I have been submitting requests for XXXX months with now with no response at all form Experian about an erroneously reported XXXX account that shows as a satisfied collection. It's not reported corrrectly. Experian has activity on a collection account. XXXX reports current payments and XXXX continues to illegally update the DAte of last active and re-age this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: JNR Adjustment Company, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection agency JNR Adjustment located at XXXX XXXX XXXX XXXX XXXX in XXXX Florida has this debt under someone else name and they refuse to give me a statement stating that I am released from the financial responsibilities of this debt. They said unless the person that is responsible pays in full, they can not provide me with this letter. Meanwhile my driver 's license has been XXXX and I can not get it reinstated unless they provide me with this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 demand for reinvestigation. 
Pursuant to 15 USC 1681i send me the detailed description of the procedures of the reinvestigation!

I demand a full layout of every detail and full time line of specific names dates and days Within the description of the procedures to cross-reference the validity of the bankruptcy claim.

Your company has failed to execute before the account was posted to my consumer report an initial investigation to determine the accuracy and completeness of this account.

Your company now has 15 days according to Congress and the law set forth to provide me the full details of the description of the procedure.

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 2022-03-14
Company: CITIBANK, N.A.
State: FL
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 was upgraded to the Macy 's American Express card in XX/XX/XXXX, included with the card was an insert claiming that I would receive {$50.00} in Macy 's XXXX money, if I spent at least {$500.00} or more on purchases outside of Macy 's placed on the card. The offer stated it must be completed by XX/XX/XXXX. The terms and conditions states that the bonus points for the {$50.00} in Macy 's XXXX money could take up to two billing cycles past the expiration date of the offer. 
I have met the requirements of the offer. Two billing cycles have passed. I have not received the promotional offer. Why?

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 2015-07-13
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Submitted previous complaint # XXXX regarding an additional {$120.00} promotion fee of which we were not made aware of. Your office told me that TD Bank N.A agreed to waive that fee although they never contacted us. Today via letter our account was closed " due to inactivity '' although payment was posted to our bank XXXX/XXXX/15 and XXXX pmt due XXXX/XXXX/15. Internet reviews unbeknown to us describe tactics such as this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Customer ordered appraisal with TD Bank and was charged for the appraisal. Customer decided to proceed with another mortgage company who proceeded to get the appraisal transferred. After numerous hours on hold and several unanswered emails TD Bank finally sent loan officer email about a week later stating that TD Bank does not transfer appraisals.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I paid the statement balance on my Target Visa card in full on XXXX XXXX, three days before the due date, and the transaction posted to my bank account at XXXX XXXX the same day. The funds were taken from my bank account and my credit card showed 'XXXX ' balance. 
Last week I found out that some automatic payments were declined so I checked my credit card online and it still showed a XXXX balance on XXXX XXXX. 
I called the credit card company today to find out that my payment was still on hold and had not been posted to my account so my available credit was XXXX! The rep I talked to ( his name was XXXX and he refused to give me his last name ) said this was their procedure and he would apply the funds to my account as a courtesy. I reminded him that this was no courtesy when they kept my money for two weeks, and he should be apologizing. He did not, repeating that this was their procedure. I reminded him that this never happened before and asked if there has been any changes to my account, and he said 'No '. 
I believe a financial institution should not hold customer funds for two weeks. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have called three separate times and spoke with a representative to gain access to my monthly statements and other official communication. All three representatives promised to mail statements to my email, I have received none. Also, I wanted a formal ticket into my lack of access to records to be opened, with no resolution noted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was marketed a XXXX credit card. I accepted the offer. TD Bank issued the credit card. It is serviced by TDcardservices.com. So basically a bait and switch. I am now doing business with TD bank through Tdcardservices.com. I was led to believe through the marketing and the name on the card that I would be doing business with XXXX. This seems like false advertising/lying. I spoke with XXXX extension XXXX TD credit card department who was ignorant to these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for a Nordstrom Credit Card on XXXX/XXXX/2016 the rates offered were as low as 11.15 % and as high as 23.15 % based on creditworthiness, before applying, I unfroze all XXXX Credit reports, so they could review my credit history, I completed the online application which asked me minimal questions, income, length of time at my resident and annual income. With my credit score and history of accounts and length of accounts I would more then qualify for the lowest rate offered. Once I completed the online process I was immeditaily approved at a XXXX rate which is 19.15 %. After making a numoros of phone calls with my dissatifaction do to there responses to my concern of the interest rate based on my credit, length of time at residence, length of time on job, income and no debit ratio the representative stated that they would offer me XXXX rate which is 15.15 %, still not satisfied with the response and them not able to tell me why I did n't get the XXXX rate which is 11.15 % is why I 'm filling this complaint. I feel that if I had a question regarding my creditworthiness I would n't have unfroze my credit and applied for the card. 
Nordstrom 's Credit Card Interest rates and Interest charges section states " Your APR will be assigned when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the prime rate '' My average credit score between the XXXX bureaus XXXX and XXXX is XXXX, which are the XXXX bureaus Nordstrom credit uses. I tried to find out what was the reason behind my XXXX he was n't able to really explain other then he said my score was a XXXX and it qualified for the XXXX, the represenative said he would be able to give me XXXX rate and do to me still not being satisfied with his response he then said he would not switch to the XXXX do to me still not being satisfied with there response. I believe I have been taken advantage of and now if i close the credit card it will reflect on my credit negative. I tried to handle with the credit card company, but have been told that it has been sent to corp. office for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
These are Medical bills/debt. For which I have been granted 100 % financial assistance/forgiveness on ALL medical bills. Wakefield and Associates keep adding these bills to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 I requested to begin the process to remove the PMI on our mortgage with Wells Fargo. We paid Wells Fargo to commission a third party to complete a BPO. That BPO was sent to me on XX/XX/20. On XX/XX/20 I inquired with Wells Fargo about the next step. They let me know I would have an answer within 14 business days. On XX/XX/20 I sent an inquiry and called them since I hadn't heard anything. they assured me I would get a call back on XX/XX/20. On XX/XX/20 a rep called me and said they had no update but should within 10 days. Basically they are ignoring the request and I will probably have to pay an additional month of PMI.

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 2016-06-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/XXXX me and my wife signed a auto loan with Prestige Financial based in XXXX XXXX XXXX XXXX for a vehicle bought from XXXX in XXXX, XXXX. This vehicle was bought with GAP coverage sold to us ( through XXXX XXXX ) that was sold to us and explained that would pay out the difference still lowed if the vehicle was deemed a total loss by insurance and we still owed on the loan. 
On XX/XX/XXXX, the vehicle financed by Prestige Financial was stolen. It was reported to the XXXX Police Department and two days later it was found, the XXXX, XXXX police arrested and charged a man driving our vehicle with vehicle theft under XXXX law. Our insurance provider XXXX deemed this as a loss from auto theft. After much delay through the GAP provider, they denied our claim stating we invited the act of theft in which we did not. 
There is still a balance owed Prestige Finance but due to job loss we are unable to pay anything to Prestige and we currently are still fighting the GAP provider for not paying out the policy for what XXXX Police Department and XXXX deemed as a auto theft. 
Our complaint is that for about a month, many individuals at Prestige are harassing me and my wife on a daily basis through phone calls, messages, texts and being demeaning and rude and not acknowledging that we are unable to make any payments and that we are still actively seeking XXXX XXXX XXXX to pay out as the policy was sold to us. 
Prestige does not need to contact us daily and it is harassing to us.

Company response to consumer: Closed with explanation