BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have two Chase checking accounts : 1 ) Chase Premier Plus Checking which I'm the sole owner ; and 2 ) Chase Total Checking which I jointly own with my wife. Starting from XX/XX/XXXX till now, Chase mistakenly charged a monthly fee of {$25.00} for my Chase Premier Plus Checking account for a total of {$350.00}, even though my two accounts have a combined balance of ~ XXXX XXXXXXXX and have never fell below XXXX XXXX which is the minimum threshold to avoid monthly fee. 

I called Chase on XX/XX/XXXX after I accidentally discovered the charges, but they only agreed to refund {$25.00} with {$320.00} outstanding, and claimed that these two accounts can not be linked and thus the combined balances didn't count, despite the facts that 1 ) I have ownership of both accounts, and 2 ) these two accounts are linked in my mobile app with the same login credential. In addition, they did not explain why they didn't notify me when and why they were going to start charging fees. These are deceptive hidden fees to consumers, and many other consumers may experience the same situation. I'd like to submit this complaint to urge Chase to look into its broken process that harm customers, refund me {$320.00}, and refund other customers fees charged for the same situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is not the first complaint I have submitted about this company. I switched my servicer to FedLoan for the PSLF program. Earlier this year I submitted annual documentation to decertify my income based repayment plan. My payment went from $ XXXX/month to {$580.00}. When I called to complain about this, no one could ever explain to me how this happened. My income did not increase significantly and I had been at the same job. I was assigned a " borrower advocate " at FedLoan. I was put into a REPAYE plan with a payment of only {$200.00}, which I felt was an interest only plan. In XX/XX/XXXX, I found out that my husband also has a significant amount of Federal student loans. I spoke to this " advocate '' about this and she sent me the forms to reapply for the IDR plan. In the meantime, I again received another bill for the {$580.00} which I have repeatedly told them I can not afford. I filled out the form ( earlier this month ) and emailed it directly to the " advocate '' along with our tax returns. Last Friday XX/XX/XXXX I received an email saying they could not process my request due to " missing information '' and that I would be getting a letter telling me what was missing. When I tried to log onto the website to see the letter, the site was down. Yesterday I emailed this " advocate '' and today I left a phone message- no response. Today I got a letter in the mail from FedLoan not saying anything about missing information but that hey could not process my IDR request because " the version of the form you submitted is expired. '' Then I received a letter saying my account had been placed in forbearance to give me time to figure this all out. 
I am someone who has never been behind on bills and has always had excellent credit, and I do not need it destroyed by FedLoan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a Tesla XXXX XXXX  ( XXXX ) from Tesla, and after returning the vehicle on XX/XX/2022, Tesla still charged my bank account {$560.00} for XXXX as if I had not returned the car. 

I have sent about 30 emails and called many times, but Tesla does not have a real person that answers any of their phones, and I had to leave voicemails. 

In reply to one of my emails, I finally received a return call from XXXX XXXX, a Lease Maturity Specialist, and she explained that there was some kind of mixup in their system, and when I returned the car, my billing account did not get automatically closed as it should have and that is why I got charged for another month. 

She said she could not refund me for the {$560.00} charge until the billing department closed my billing account. A week later, I still had not heard anything from anyone at Tesla, and I got another email saying they were going to charge my account again on XX/XX/2022, for another {$560.00}. 

I called and left another voicemail but could not speak to a real person, and no one called me back. 

I sent another email saying I want my money back immediately because it's not my fault they made some kind of mistake and I need the money. 

I got a reply email saying this : " Any overpayment will go towards your excess wear and tear as well as your end-of-term charges. '' I replied and said it was not an overpayment! They fraudulently charged me for a car I had already returned, and I want my money back now. 

I have not heard back or received my refund, and I still can't talk to anyone at Tesla about all of the problems. 

Its hard for me to believe it is legal for a company to charge me {$560.00} for something I didn't get, and while I do understand mistakes happen, the fact that I can not talk to anyone about the problem on the phone and they have not refunded me makes the whole thing look very scammy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: TCF NATIONAL BANK
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I called Gateway One Lending and Finance at  XXXX  to payoff my car loan and they wouldn't take my payment.  I pay online and they wouldn't take that payment either.      They don't have a way to process the closing in the same manner that I was instructed to make payments and find this feels like a usury situation as they are forcing me to stay in the loan and pay interest that I would like to pay off.    I contacted the company and they said they couldn't help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: LA
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:
I sent a certified letter asking the Credit bureau to do a thorough verification on my credit report and they did & they stated everything was accurate after. I actually performed my own research after and the information in still is inaccurate. 


XXXXXXXX XXXX # XXXX Account # : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated, XXXX XXXX  XXXX my rights 1518 A 1881 saction 602 A. States I have the nant to pnvacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: DISCOVER BANK
State: OR
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 filed for bankruptcy in XX/XX/XXXX and student loans ( both private and federal ) were included in the bankruptcy ( although I knew they likely would n't be discharged ). Online accounts with all lenders were suspended. In XX/XX/XXXX, when the bankruptcy was finalized, the federal lender restored online access immediately, but private lenderwith whom I had two loans ( no. XXXX from XX/XX/XXXX at XXXX University and no. XXXX from XX/XX/XXXX at XXXX XXXX University ) did not. In XXXX or XXXX, I called the lender ( spoke to XXXX ) to inquire about online access. XXXX informed me XXXX XXXX was discharged in bankruptcy. At that time, I paid what was owed on loan XXXX up to that date ( $ 300+ ), and set up automatic payments for the future. Online access, however, has not been restored. When I again inquired on XX/XX/XXXX ( spoke to XXXX and XXXX again ) about the statements/online access, they said the bankruptcy is not yet settled ( it is ) and that they 're challenging it ( they 're not, they have n't filed anything with the court ). XXXX also said that Loan XXXX was considered in default and asked for full payment at that time. When I spoke to my lawyer, he told me they can not be soliciting payment on a debt that was discharged in bankruptcy. But that 's another issue. ) Since I have no access to statements or to my accounts, I can not see what is happening with my loan, which is really frustrating. I 'm unable to see where my payments are going, what my balance is, or anything. I 've attached a screenshot of what I see when I go onlineyou can see there 's no way for me to access existing loans. I 've also attached the BK Court Order discharging the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A skateboard was purchased on XXXX for {$1600.00} onXX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. Capital One refused to further assist me in this dispute despite having already returned the item back to the merchant. I expect a full credit of {$1600.00} to be posted back on my credit card statements as I DO NOT retain possession of the skateboard anymore. The item was returned back to the merchant and a return tracking number is provided. As such, a full refund is 100 % expected at this point in time. I expect Capital One to process this dispute and refund the charge for {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of {$930.00} with XXXX, XXXX and XXXX credit agencies. I requested verification of the debt and account however the business failed to provide adequate proof that I owe TSI. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt to TSI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Once again I have received a letter in the mail from SECU. now all of a sudden my car note is a month behind. When I have my car payment set on automatic draft. On my paydays on the last day of the month before my check is deposited into my account my car payment of {$220.00} is deducted out of my withholdings before I even get my paycheck. For the month of XX/XX/XXXX they refused to take a payment. And knowingly refused to advise me of the situation until XX/XX/XXXX surprisingly that happens to be the same day I got a letter about my account being closed. Which is nothing but retaliation from my complaints to the CFPB. Now they expect for me to make a double payment on XX/XX/XXXX this is totally unprofessional. I have reached out to the credit union and have not been answered yet. I demand answers I will not let this go any further than it already has

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XXXX, I have been a victim of identify theft. I responded by adding freezes and fraud alerts with all 3 credit bureaus. In the process of communicating with Experian, I realized that someone representing me has created an account with their email linked to my name and SSN on Experian. What this means is that any time I add a freeze that person has the power to undo this. 

I have called every number I can find for Experian during business hours and have not been able to reach a person. The automated phone system does not respond to my request to speak to someone about this matter and will only let me use their automated system to add or remove a credit freeze. They explicitly tell me they can not connect me with a representative. 

I am left without any option. I know that my credit freeze has already been lifted once, resulting in a fraudulent credit pull with XXXX Bank for a XXXX XXXX Credit Card. I know this because I froze my credit with Experian on XX/XX/XXXX. I called several times to confirm the credit freeze was in place, which the automated system verified. But then a credit pull was made on XX/XX/XXXX and I called Experian today and the freeze was not in place. 


The attachment is a screenshot from experian website revealing part of the email address that is connected with my account. I do not know or have access to that email address.

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 2017-08-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchased XXXX XXXX, garage floor coating thru Wells Fargo Bank. There is a warning inside box instructing not to use where direct sunlight will be an exposure. I am unable to give a date guaranteed to beXX/XX/XXXX of this year nor guaranteed to be a certain amount. There are about 20 purchases since XX/XX/XXXX 2016 by visa. The shelf price indicated XXXX dollars, was misled by it and purchased not knowing it. The sunlight is in the closed garage when the door is open. Now when reading instructions, I do not want to use the coating ... I called first the ftc hot line for cfpb reference. Can you help my credit dispute. Will someone show XXXX XXXX is to be removed from public access, or show why it is actually a safe product. It is at my house in the original box. Recycle trash says no hazardous materials.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-XXXX  accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
THE BANK XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account XXXX XXXXXXXX, XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX Incorrect Names- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these 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 be deleted immediately or I will file for litigation 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
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: TN
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 Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these 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 be deleted immediately or I will file for litigation 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
Consumer complaint received 2021-05-30
Company: Navient Solutions, LLC.
State: NY
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 have noticed on my credit reports accounts that does not belong to me. I am asking that these fraudulent items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX Sales agent : XXXX XXXX XXXX points {$11000.00} Down payment {$3200.00} from Barclay card Maintenance Fee {$870.00} Financed {$8700.00} At XXXX XXXX we were told we would be able to pay our entire maintenance fee by using the Barclaycard. 
We were told we could take a cruise using XXXX points We were told we could rent a car using XXXX points Owner Orientation in XX/XX/XXXX at XXXX XXXX in XXXX XX/XX/XXXX Sales agent : XXXX XXXX XXXX points purchased Purchase price : {$17000.00} Down payment {$3400.00} Amount financed : {$13000.00} They open XXXX XXXX XXXX and charge about {$4000.00} with 25 % rate. This is used for down payment and selling as points, which is valueless and useless. This is false ads and prey on consumers. We have over XXXX consumers complains with same company that open the account on site without any outside consultation with pressure sales tactics by this XXXX XXXX XXXX with bad practice and ruin my finance and used Barclay Bank Credit Card

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