BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Other fee

Complaint:
I bought a bed using an interest XXXX credit card. 
I had used the card for purchases in the past, but paid them off after realizing I had been mixing up my cards ( statements attached for XX/XX/XXXX ). 
In XX/XX/XXXX, I used an XXXX, forgetting this card was still linked to my XXXX account. 
Realizing my error, I paid off the uber charges immediately. The charges did n't fall off the account, despite payments made. I made several payments, but was charged an interest fee ( XX/XX/XXXX and XX/XX/XXXX Statement attached ). 

I contacted the bank ( Wells Fargo National Bank ) and was told I needed to make all payments within a XXXX day window, so payments made before that window are ignored. I spoke with an employee and a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Prime Recovery LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company who I have never heard of contacted my sister leaving a message that I owe a debt to them from XXXX XXXX XXXX. This is false and they need to be reported. They also sent my name to a number that isn't affiliated with me which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Rushmore Loan Services bought my mortgage about a year ago. Recently I have recieved XXXX notices from XXXX that my taxes have not been paid. I contacted Rushmore and they said to fax the notice. I did and then a month later I recieved another notice from XXXX saying that my taxes are delinquent. I contacted Rushmore again but they were unable to help 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 2016-11-25
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
XXXX XXXX, 2016 To Whom It May Concern : I 'm outraged US Bank debited my account {$570.00} without my authorization after a credit card payment! On XXXX XXXX, I completed an external transfer for {$300.00} and {$270.00} respectively to my XXXX US Bank credit cards. However I noticed my checking account had double posts from US Bank totaling {$1100.00}. Immediately I called and spoke to a representative and she confirmed there had been a mistake on their system and expect a refund in four days. I 've called three more times and spoke to several representatives that stated my money can be held for 17 days until returned! I have also left voice-mails to the special payment research department and have yet to receive a phone call back. This is unacceptable for my money to be held while US Bank makes interest for over a week! My funds need to be returned to my bank account immediately with interest! I 'm looking for a fast resolution and funds returned as soon as possible. 
XXXX XXXX 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 2021-05-27
Company: Blackhawk Network Holdings Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I utilized my employers Values in XXXX XXXX to cash in on employee rewards I have accumulated in my 6 years with the company. I selected the option of receiving a {$500.00} XXXXXXXX XXXX XXXX XXXX  Account and a {$200.00} XXXX XXXX XXXX XXXX account. for a Total of {$700.00}, which was included in my XXXX for my income in XXXX and considered a part of my compensation. I have tried multiple times to get access to my money to get new cards issued and I have not had any success. 

I recently ( XX/XX/XXXX ) tried to log into my account and use the credit cards, both of which have " Expired '' as of XX/XX/XXXX. The https : //www.myprepaidcenter.com/my-cards says the company will reissue the card and your value if you call customer service. I have tried to contact and reach customer service over a dozen times. The company 's call center provides you with recordings that change your wait time sporadically ( you start out with 50 min go to 30 then back to 50 ) and ultimately you do not get to speak with anyone. Alternatively, I have tried to call the BlackHawk network, one of the companies directly listed on Myprepaidcenter.com, and XXXX, which is claimed to be the issuing bank for these gift cards. I have gotten nowhere to receive my funds. 

In addition, according to FTC guidelines cited on the FDIC website, this gift card violates FTC laws. I have been charged fees, but it has not even been a year. It also expires in six months, which does not comply with FTC laws. " Under the law, a gift card can not expire until at least five years from the date it was activated. The law also places general limitations on fees. For instance, the card issuer can not charge a dormancy or inactivity fee on a gift card unless there has been no activity for one year and the card clearly states its policy toward that fee. In addition, some states have separate laws that provide added protection in certain circumstances. '' Here are the three websites in question I have tried contacting customer service at in connection with these prepaid employer gift cards : The prepaid Gift Card Account is through : https : //www.myprepaidcenter.com/my-cards The Issuing Bank ( according to the Myprepaidcenter.com Website Fine Print ) For XXXX privacy policy, visit https : //www.metabank.com/privacy-policy. 

The Marketing Network : For patent information, visit blackhawknetwork.com/patent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: PA
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 am very disappointed with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
So my wife and I switched from XXXX to XXXX, and XXXX advertised that " we 'll pay your early termination fee ( ETF ) ''. So we went there and we followed all the steps for them to pay our ETF, and now we 're getting calls from the CBE debt collection agency about a XXXX bill that was never paid. So I called the main office number and the female representative said I should of received a prepaid debit card with the money on it and that I should of paid the termination fee myself and use the card for what ever else. So when I called the store where I pay my bill at the male representative said " well, how it usually works is you pay the termination fee and we reimburse you with a debit card. '' I told him " that was never explained to me when I decided to choose XXXX and if that was the case, then why advertise that XXXX will pay your ETF when I have to pay it myself? '' The representative proceeded to tell me there is nothing tmobile can do for me due to it being passed the XXXX day limit to request a ETF yet I followed the steps that the representatives told me to do. Now my grandmother-in-law and myself have marks on our credit due to the lack of knowledge XXXX failed to provide me with and set XXXX up for failure and the false advertisement that they 're still advertising to this day. Can someone help me or at least point me in the right direction to take care of this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: First Data Corporation
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I charged {$6.00} to my checking account on XXXX.The charge was never presented or declined at my bank. I was put in collection by Telecheck and TRS who began to threaten me with late fees. I contacted XXXX who said I did not owe them anything that the item was paid for. I contacted my bank with the Trace ID and they said nothing had been presented or declined. 

The outgoing message on TRS voicemail asks for Social Security numbers and copies of drivers licenses which I believe is against the law. All calls to Telecheck are routed to TRS so they are the same company but not disclosed to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was a XXXX mother who wanted to take care of my son without using the system. I decided to go back to school and decided to become a XXXX. I chose a school at the time called XXXX in XXXX Washington. 
I did n't realize that XXXX would cost me a arm and a leg and would also put me in a financial hardship that would cause me not to be able to get a home loan in the future. What took place is no one told me that XXXX cost well over the actual cost of other programs at local XXXX colleges for XXXX. XXXX cost was {$13000.00} per student and other colleges which also offered XXXX degrees cost {$8000.00}. 
I attended XXXX and took out loans because the financial rep said that all I qualified for at the time I never attended college and believed her. I started to have hardship because I needed to work and the program only offered a early morning session and a late evening session so I had to ask for a leave. NO ONE told me that taking this leave I would still be responsible for the whole loan! 
When I decided to go back and finish the program the school location changed and so did the name it was now called XXXX! Well XXXX had me go through everything all over again and since I had attended the school in the past I was supposed to get a huge deal NEVER happened another {$13000.00} plus but I finished and found a job without their help! 
I thought I would be done with these type of schools and lenders lending to these types of schools that lie just to fund THEIR employees and pocket money. I decided after being a medical assistant I wanted to get a CAREER I looked into schools for the working person and found XXXX. I researched and researched being that XXXX XXXX XXXX was a student and Alumni I was like okay this may be a great school. 
Another school that told me you qualify for nothing but LOANS, now I owe {$60.00} in student loans I have my XXXX I only make $ XXXX I am barely making ends meet, I do have my XXXX, however its in XXXX XXXX and NO ONE has yet to hire me with it. I cant seem to offered to pay my student loans, I cant get qualified to buy a house the lenders ONLY see the student loan debt. When I called Navient and asked why was I only qualified for loans when I am very low income they said because of the school I chose to attend. IF this is the case being that all lenders get borrowers information why not red flag and say NO this student should continue to look into higher education that would be more beneficial to them financially. 
I have a degree I cant do anything with and I cant afford to pay anything back I am stuck in one space praying for hope!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: KEYCORP
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: Public record information inaccurate

Complaint:
I am in the process of purchasing a home and have discovered that I have a charge-off reported on my credit report. The account is from Key Bank. I can give you the account number another time when requested. It is being reported as a {$0.00} balance charge-off last updated in XXXX of 2018. I did have an account with Keybank for financing a boat that I had purchased. My old business partner had taken over the payments and I was not notified until XXXX of 2018 that he had ceased making the payments. At that time I immediately contacted Key Bank and paid the balance that they said I owed ( {$32000.00}, see attached document as receipt of payment ). I have contacted Key Bank in regards to them misreporting this as a charge-off debt as I did pay the debt and did not receive a XXXX from them in 2018 asking them to please request that the account be deleted from the credit bureaus ( and provide me with a letter for my records ). They have taken the stance that they have accurately reported the debt and can not do this. 

As, I did pay the debt in full as they told me that was owed ( speaking with them today they informed me that I negotiated a settlement for {$2000.00} less than what was actually owed ). I did not propose a settlement with them at that time nor was I aware that was even an option ( Had I known I would have requested a much lower settlement then {$2000.00} off of a {$34000.00} debt ). 

I am in the process of purchasing a home and because of their misreporting of the debt to the credit agencies and their refusal to cooperate with deleting the tradeline, it is costing me thousands more in closing costs as it is affecting my credit score by XXXX to XXXX points depending on which bureau you look at. 

Again, as soon as I was notified by KeyBank that the payments were not being paid at and the debt was in a delinquent status I immediately contacted them and settled the debt for what I was told to be in full. 

I am requesting that it be deleted from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
We have had to file a hardship through XXXX. A company that I do n't have an account with, but my husband does, had been calling my work. They called at XXXX and I picked-up the phone and requested that they stop calling my work. The lady requested payment from me and told me that she could draft it from our bank account since they somehow have our account information. She told me that they do n't negotiate with debt relief companies and said that we were going to be sued. I told her that she was not allowed to remove any funds from our account and hung up. Later in the morning, after I had left for work, a man called and my husband answered. He threatened my husband, used vulgar language including the " f '' word and told my husband that we owed them money and that they were going to take it from our account with or without our permission. This company has never had our permission to automatically draft funds from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Hello, I am complaining about two credit cards accounts that appear as closed lost / stolen ( XX/XX/XXXX and XX/XX/XXXX XXXX in my report when the card was actually replaced for security reasons. I only have one credit card account with SYNCB/TJXCD two days after I called the company a New remark from them appeared in my report also have inquiries from SYNCB/PayPalXXXX and SYNCB XX/XX/XXXX on my XXXX  report XXXX that I do not recognize.

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 2017-03-18
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Received a bank cashier check for {$2800.00}. 
This was sent for a {$400.00} internet sale and the {$2800.00} supposedly was sent by mistake. 
I was instructed to send the difference less an extra {$20.00} for the XXXX XXXX. 
BB & T waited 3days before putting a hold on the check as suspicious but not until I had withdrawn the requested balance. 
The check proved to be a counterfeit and at the time I did not know it was possible to counterfeit a cashier bank check. 
I then contacted a XXXX from the BB & T fraud department and was told that I should have been suspicions of a cashier check from a obscure bank. I explained that I was just a retired XXXX on XXXX and how should I have known. When I asked XXXX if BB & T was going to investigate she explained that " they probably left the country by now ''. 
I believe that BB & T should be held responsible for the forged check for the following reasons : 1 ) From the direct words of BB & T fraud department the XXXX branch of BB & T where this was deposited should have been suspicions of the obscure bank the cashier check was drawn from. 
2 ) BB & T should never had issued a withdraw on a suspicious bank cashier check and instead should have waited until this hard posted. 
3 ) Expecting me to believe that the apprehension of the individual responsible for the counterfeit bank check is a pointless idea since they are now out of the country is ridiculous. Since when is {$2400.00} reason to leave the country? This only demonstrated BB & T lack of interest in pursuing the criminal activity and choose the easy route of holding me responsible for the funds. 
4 ) I have a second and supposedly unrelated checking account that was made with a cash deposit. As of XX/XX/2017 I am unable to access these funds and currently have no explanation from BB & T. This action has left me penny-less with now funds for fuel and food until my next XXXX SS check on XX/XX/2017.

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 2017-02-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was pressured into student loans by XXXX for a for profit school that is no longer in business. I was XXXX at the time of the initial conversation. My step father consigned. The loan was initially for XXXX dollars, and 12 years and XXXX dollars later the amount due is at XXXX dollars. The education I received from this loan has not benefitted me at a single point in my life and making payments on the loan have caused me to make decisions in life I would have not made should the loan not never existed, and I blame my XXXX on this financial burden. XXXX has robbed me of my livelihood and continue to rob me of the money I work for to this day. These loans have also caused serious tension between my parents and I due to my inability to pay at times. They do nothing to help except offer forbearance. And they only ever day " these are the terms that were agreed to ''. This company has successfully crippled an entire generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I bought a car that had a series of manufacturer recalls. The work by XXXX XXXX of XXXX, XXXX was done repeatedly, by my records 14 times it was taken in. Each time more and more stuff was replaced on XXXX tab, being warranty related. The original symptoms of both the clicking noise in front suspension is clearly present. It is loud everytime you turn the wheel left or right, especially in a parking lot setting. I have videos of it with sound. XXXX out of XXXX people in a parking lot hear it and look. They can not figure it out, its been months. XXXX XXXX of XXXX did not originally log all the visit and preformed some work on days that arent showing in the vehicle record. that is my first concern. The second concern is after they put the rack and pinion steering on the vehicle there is a constant rubbing noise. It is clear there is resistance and friction, loss of power when driving the vehicle. This and the original clicking is still present. I moved to XXXX and tried a new dealership. They are able to hear the clicking noise clearly and advised they would fix it today. Today XXXX calls and reverts back to the previous excuse that they are unable to hear it. It seems like repeatedly XXXX is not adequately addressing my concerns and fixing the warrantied repairs that have already been done. I feel unsafe driving the car and want a master technician from XXXX to be setup to look at it. Please look into the case and send me a copy of all the case notes to my mailing address on file. XXXX cases were open for this issue with XXXX corporate. I and everyone on the road are at danger with me driving in the current condition. XXXX, please warranty and properly fix the damages on my car. I have a XX/XX/XXXX XXXX XXXX XXXX XXXX. The car is still under warranty, it needs a master tech to go on a road test, review the videos and fix. This personalized attention i begged for from the start and over 9 months later have not gotten the result, just excuses. Everyone is real real nice telling me why it cant be fixed though. XXXX is working on it now. Service adviser XXXX told me yesterday evening he could hear the noise but it would take time to fix. XXXX called me back, was very helpful and offered another road test. XXXX was off today. My concern is XXXX is giving up on me and the vehicle. The noise is very clear. Please setup a time to have another technician from XXXX to come test drive, diagnose and fix vehicle. Please escalate this accordingly. XXXX what options do you have? Please direct copies of all instructions in writing to my address on file and any records compiled. I would like all service records to date on this vehicle mailed to me. I would also like a technician from XXXX to be dispatched to try to fix. It 's been an unreasonable amount of time.

Company response to consumer: Closed with explanation