BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
About 23 months ago I went to a Nissan dealership in XXXX, UT to look into a lease. I test drove a few cars and afterwards the salesman had me speak with his manager and store manager. They were all friendly and told me stories about their family members who are also service members. I told them that I was just looking and not ready to lease. After talking for several minutes, and much pressure from all 3 characters I decided to move forward with the lease. I told them several times that I only had {$500.00} to put down. They insisted over and over again and I ended up putting {$1500.00} on my credit card. I also told them I wanted full market value for my car that I was trading in, which was {$10000.00}. They gave me {$6000.00} for my car. After all was said and done I was stuck with a high monthly payment of {$400.00} for a sedan lease, was undercut {$4000.00} on my trade, and was pressured into a bogus deal and a {$1500.00} debt of money I did n't have. I thought I could trust these guys since they talked so sincerely about their kin who were service members, but I ended getting played. Never doing business with them again. Please learn from my terrible experience and do n't let con salespeople like these man trick you into giving money you do n't have and making false connections with you just for your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Solutions To Portfolios, LLC
State: KS
Product: Payday loan
Issue: Can't contact lender

Complaint:
I keep receiving phone calls from people at a company called STP management. I have talked to them a total of two times. They have never sent me any written document to my home address. They are also calling my family members more than once. This is a violation of the The Fair Debt Collections Practices Act as amended by Public law 111-203, title X, 124 Stat 2092 ( 2010 ). Section 804 and 809. I found their website and contact information and have emailed them. I have notified them that they have violated by rights and they need to provide written correspondence of the debt that is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: ALLY FINANCIAL INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I ordered XXXX cashier 's checks for {$2000.00} each to be expedited to an address in XXXX. Through mislabeling on Ally Bank 's part, those checks did not reach their intended recipient. It has now been 1 month since I have requested the money be put back in my account and it has not happened. I have been told three different stories from Ally about them either being mailed out, or the money being put back in my account that has yet to happen.

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 2017-04-04
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I financed a XXXX XXXX XXXX through Ally. I have attempted to to pay off the note by paying and sending an additional check each month. I have spent more time trying to get them to understand that they are applying the money I send incorrectly. For the past few months I have had a balance of {$52.00}, {$27.00} and {$2.00}. They have taken my payments of {$300.00} of which on {$270.00} is the original note due amount and applied {$270.00} towards finance charges on the total amount due. I have sent a total of {$900.00}. How they can charge me {$100.00} in finance charges on {$2.00} I do not know. I have been on the phone an additional 45 minutes this morning trying to talk to someone who can apply the money I am sending correctly. They continue to tell me that it is a daily interest rate on the balance of the loan. But if I have an invoice that shows that I only owe {$2.00} for the month, how is it legal for them to use the money that is left over for finance charges? I would really appreciate some help with this. I have not been late or missed a payment since the loan originated. In fact I have paid early on over the invoice amount due.

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 2015-09-08
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Other

Complaint:
I held an American Express Gold Card number *************** for over XXXX years, from XXXX through on or about XXXX. The card was suspended for late payment in XXXX due to personal financial issues. I entered into a payoff agreement with American Express in XXXX. AE agreed to restore " gold card member privileges '' once the delinquent balance was paid. The account was paid in full in. But AE did not restore the gold card account as agreed but instead activated an XXXX account **************** with a limit of {$800.00}, not the unrestricted limit accorded to gold card members. I applied again for an AE gold card in XXXX and was declined. I was told that I had outstanding balance on an expired corporate card accounted dating back to XXXX. The card was issued to XXXX XXXX which declared Chapter XXXX bankruptcy in XXXX, XXXX. As a creditor, AE was notified and invited to submit final claim to the company as a creditor. AE did not do so and the bankruptcy proceedings were converted to Chapter XXXX a year later without any claim submitted by AE. AE failed to submit any claim which would have absolved me of any personal liability. Almost XXXX years later, AE is still claiming that thousands of dollars are owed to them and using a XXXX year old debt to determine my credit worthiness. ( With a FICO score of nearly XXXX and debt percentage of less than XXXX percent I have excellent credit. ). Maryland state law, Statute XXXX, limitation is XXXX years. AE has failed to actively collect on a debt of nearly XXXX years and has failed to honor agreement to restore my account after payment was made in full on an agreed account balance. I am petitioning AE to dispense with the XXXX year old debt and issue a new account as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: U.S. BANCORP
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX 36-month lease obtained with US Bank , Purchase price of {$56000.00}. Put down {$15000.00}. 
XX/XX/XXXX Vehicle totaled in accident that was not my fault. 
XX/XX/XXXX Called to obtain payoff amount to use in negations with insurance company for settlement purposes. 
XX/XX/XXXX Received letter ( confirming phone conversation on XX/XX/XXXX ) that my payoff was {$45000.00} ( reasonably believed based on my down payment ) XXXX - Accepted settlement with The XXXX, they requested payoff directly to issue check. 
XX/XX/XXXX - The XXXX received a fax stating payoff was {$53000.00}. 
XX/XX/XXXX - I'm still waiting on an answer after multiple attempts at contacting for an explanation. 

I have called multiple times and their " Loss Department '' and they refuse to speak to consumers. They will only speak to Insurance Companies. I can get no explanations on how they can possibly determine that {$53000.00} is what I still owe. I have put multiple negative reviews on XXXX and that got riled enough to send a " response '' letter but that still did not address the issue.

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 2017-02-20
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone used my credit car number to rent a car at ( XXXX ) & The bank PNC is charging me XXXX for something that 's a fraud. The bank sent me to collections which I disputed that because I am not willing to pay for a fraudulent transaction. I try to dispute it with the bank which they say they do n't have any records of anything yet they still trying to collect the money from me. I also tried to follow up with XXXX and they stated that they have no records either. I explain to them that I do n't have a license and that I am not even old enough to rent a car yet they still not dropping the matter. I also did not authorize such a large transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: PNC Bank N.A.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX we had a family emergency that resulted in a death in the family a few months later. In XX/XX/XXXX we missed a vehicle loan payment. From XXXX on we made full payments and were not aware of the missed XXXX payment. In the entire time we have been with PNC bank we have had little to no contact with the bank. When we lived in a state that had PNC we made monthly payments directly to the bank, and after we moved we were given a checkfree site to make payments that did not give any information about the loan. In our history that began in XXXX we have made full payments every month since the origin of the loan. On XX/XX/XXXX the vehicle was repossessed. After we talk to the bank trying to figure out what went wrong, we are informed about the XX/XX/XXXX payment and that our mailing address is not current. We changed our mailing address at that time. Upon learning of the repossession we immediately paid all the fees to make the account current. Mind you the repossession fees were more than the missing payment. It was never that we were avoiding the payment, it was that we were unaware that it had been missed. The bank informs us that letters were sent out to our old address and returned due to a bad address. Why would assume that there are issues if we have received letters from the bank in the past, at our current address, most recently XX/XX/XXXX offering other services, if there was a problem with our account. Our vehicle was repossessed over one payment from XXXX, we understand and would have gladly made things right had we known. This was n't an issue until now, and they claimed that they could n't reach us and did n't have our current address. A company was hired to locate the vehicle but no more effort was made to contact us, and the vehicle was repossessed. We were able to get the vehicle back that next day by making the missed payment, paying the associated fees to the bank and fees totaling {$520.00} to the various recovery/towing business. 
Since we have been in contact with PNC Bank trying to resolve the issue we have talked to a total of 5 different associates, seemingly having to start at the beginning with each of them. From what we are told our case has been elevated to the executive escalation department from the retail escalation department. But there is still no resolution being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
nothing against amercian express but have been writing since XX/XX/XXXX with no response. affected by catastrophic illness and vabdlaism to my home with some interruption to cash flow has been hard. i am a loyal long term customer here and wrote in about some forgiveness of my balances. NOthing with strings attached just loyalty for loyalty like XXXX forgiveness on each. every day card and business this would make a huge impact. and help me so this is not a complaint. i dont need hardship just some loyalty and next month is my birthday PLEASE cosnider PLEASE. i use it carefully, pay and some of the expenses are for problems and hardshiips like flying my son for XXXX or for vandalism to my home. i have heard nothing on my letters PLEASE help please no scripts. Please give back what i have given to you when i need it PLEASE please help me think of all the money lost to bad customers when they dont pay PLEASE help PLEASE PLEASE PLEASE it will cotninue to earn my loyalty PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a XXXX platinum credit card which has a fee of XXXX/year. I was told that if I spent XXXX in the first XXXX months, XXXX would be taken off. If I bought something through their website ( via one of their partners ) or something directly ( plane ticket ), I would get the XXXX back. Therefore not paying for the card. I called to confirm that if I bought through their skymiles website that it would count as a purchase. I went to XXXX and got redirected to XXXX. I purchased a product, which since I have a XXXX close to my home I would n't have done if it was n't for the credit card offer. I did not get the credit back on my card. I emailed and chatted from their website. I was told that this was not the case. I was given misinformation. I would not have purchased through their website and most likely would not have gotten their card knowing that I needed to pay XXXX dollars. 

Your assistance is appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24
Company: The CFM Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On Thursday, XX/XX/XXXX at XXXX, I received a call from XXXX XXXX of XXXX. " This call is in reference to a formal complaint that has been processed to my office for final actions to be made ''. " Please be advised there is a limited time for me to send out my recommendation regarding this matter ''. " This complaint concerns yourself and the property located at and verified at gave property address ''. It is imperative that you get in contact with the office by the end of the business day. That number is XXXX XXXX XXXX At XXXX I called the number and spoke with XXXX XXXX, Consumers First Management Group who advised me that I owed XXXX {$1800.00} for a loan that I took out XX/XX/XXXX in Virginia. He stated that they were going to place a lien against the property and provided me with a discovery #. I advised him that the social security number he provided was not mine ( but it was ) and to this he stated that " if it is not yours then you have nothing to worry about '' and " they gave you a favorable credit rating on your credit report ''. I told him that I did not borrow any money nor were there any CIT Banks in VA. He told me to call the bank. 
I looked up the bank and the closest one to me was in NJ at XXXX and the security guard answered the phone and told me that the bank was closed. As soon as I hung up, my sister called me from out of stat and stated that someone had called her to accept a package on my behalf and she was concerned as to how they got her telephone number and refused to accept anything on my behalf. 
This morning XXXX from XXXX called from the number of XXXX XXXX XXXX and ask that I give her a call back at XXXX XXXX XXXX or XXXX ( call was muffled at this point ) Reference Number XXXX. 
At this point, I am so confused and concerned. I notified my bank and I will reach out to the credit bureaus to advise them of what is going on. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The syncb car credit card is not mine I have no ever used this card nor did I sign up for it

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 2016-10-13
Company: Amsher Collection Services, Inc.
State: TX
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:
This was my daughters phone not mine. Her name is XXXX XXXX and it should go on her record not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Issue: Late fee

Complaint:
My salary check is direct deposit on the XXXX of every month. In XXXX I sent my payment in with a post it note asking them not to deposist until XXXX XXXX. Because AMEX deposited my check earlier I received a NSF charge of {$34.00} from XXXX. I deducted the {$34.00} NSF from next months balance and sent them a letter documenting the course of events. From XXXX thu XXXX interest fee charges began to escalate for the {$34.00} non payment. In XXXX I sent AMEX the balance on my account and the chards of my credit card after the shredder. I did not tell them to close my account ... it was a message letting them know what I felt about their customer service. XXXX XXXX I received a letter saying, " We may increase your APR ''. " Cash rewards has been forfeited due to cancellation. '' After I received the letter I went online to access my account and it had been deactivated. I tried calling and when they asked me for my account number, they had no record of it. I received no statement in XXXX. XXXX I get a statement and AMEX wants {$2.00} for interest charged. I 'm livid that whoever opened my payment with the not asking for a XXXX XXXX deposit ignored my request. And correspondence from AMEX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, another one on the XXXX, and XXXX proves that the payment received department and correspondence department are n't talking to one another. I also sent a detailed letter inside a payment which AMEX claims they never received. This is a XXXX... note above that I was told in the XXXX XXXX letter that they will not be issuing my rewards money of which I am entitled. I can see now why XXXX is not dealing with AMEX in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02
Company: Revenue Recovery Corporation
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed this charge. I have sent them request to verify this charge. They do not have any signed documentation on this charge and I want them removed. I believe it was filed incorrectly under medicare/medicaid and this item is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
they dont to update any file on my credit report from some reason they dont respond to my disputes i got confirmation that they receive my disputes but they never process investigations or anything they told me my account handling by a spacial person but they never want to delete anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus has mis applied payments which has distorted my credit rating and overstated my loan balance. This is obvious to a XXXX man. I have paid all real estate taxes and insurance, yet Seterus shows a credit balance in a fake escrow account of {$1100.00} while sending me letters that I owe {$2000.00} for past real estate taxes. I have provided them with cancelled checks. 

How long can these people continue to distort my good credit rating. This is so obvious, they are brain dead and should not be allowed to be a credit collector

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: BANK OF THE WEST
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had several phone calls rom bank of the west, concerning missed l loanloan payments.after several calls and going over the same reasons why I stoped paymentstoped payments.I agreed to voluntary reprosession of said vehicle. As Ionly had the vehicle in my position for aproxmatly 3 weeks since XX/XX/XXXX to date. Bank of the west said they were taking the vehicleto auction and selling. I have never ben advised of when where or howmuch it was sold for. I have received nothing in writing.My credit report said the account was closed and paid in full. 
Now since XX/XX/XXXX I have received XXXX phone calls from someone who says they oursays they our collection agency.Asking for my social security and address .I told them if they our from the Bank of The West they should have that infoinfo.I felt it was a scam and hungup. I have received no written noticesince being contacted in XX/XX/XXXX by Bank of the West for a latepayment and advising of voluntary Reprossion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 'm XXXX and require special accommodations. On XXXX at approximately XXXX, I walked into PNC Banking Institute located at XXXX, Washington , DC . I needed to withdraw XXXX dollars out of my checking account and follow-up with transactions made with my debit card on XXXX. In the process of conducting business at the Teller 's window, XXXX walked up to the right of the Teller 's window, while I was counting a couple of thousands and starting yelling " That 's Enough '', " Stop Her '', " Do Not Help Her '', " She Needs to Move, There Are Other Customers in Line '', with XXXX standing to the left of me at the Teller 's window. 
I asked XXXX XXXX if her staff could step back from the Teller 's window while I continue to count my money. Both women employed with PNC Banking Institute refused to honor my request to back away from the Teller 's window for my privacy. After counting XXXX dollars in all twenties, I needed to check on my pending transaction made on XXXX. I requested to file a complaint with their corporate office because those women made me feel so uncomfortable. 
XXXX would n't contact customer service until 60 minutes later ( XXXX/Sales Service Manager, XXXX, Washington, DC XXXX, Washington, DC XXXX ). Those women were so unprofessional and they are in serious need of training.

Company response to consumer: Closed with explanation