BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX, XXXX I bought a XXXX XXXX. First payment due XXXX/XXXX/XXXX. ( 72 month loan ). The sticker cost of the vehicle was {$31000.00} on my paperwork from XXXX states " Cash price {$32000.00} '' plus it was an " end of the year sale '', which should have lowered the sticker price. I traded in a XXXX XXXX that I had paid for in full with this same dealership. They only gave me {$7200.00} for my car which I was not satisfied with! XXXX kept me there for over 3 hours and past their closing time ... in the end I do recall wanting the XXXX XXXX {$800.00}. but do not recall the extended service for {$2500.00}, although I did sign the paperwork, but exhaustion had set in by then. This is an interest free loan. The amount financed was {$29000.00}. including a {$7200.00} deposit from my trade in. I need to sell the vehicle now ( most months I paid extra on the payments as I could afford to ) I still owe {$22000.00} I went to the dealership and asked what my options were for getting rid of the car and their Trade In/ Retail Breakdown only allows {$14000.00} - {$17000.00}. I 'm a single mom & a XXXX. I 'm starting a business and need to curb my debt. I 'm very frustrated and feel that I have been taken advantage of!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Trident Asset Management, L.L.C.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: ROYAL UNITED MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I tried to get a refinance home loan from Royal United Mortgage XX/XX/XXXX. It was a VA refinance home loan. There was a problem with the VA that I did not know about. XXXX XXXX was the guy I was working with. He called me told me about the problem. I was scheduled for an appraisal that day. I asked him if he had cancelled the appraisal he said he did. They showed up at my house. I had them do the appraisal because XXXX XXXX told me he could get me another refinance loan. I called him after the appraisal was completed told him it had been done so we could go forward. He never returned my call or my text messages. When he first called me that day he talked nasty to me and told me that it was about time I finally remembered I should have told him earlier. I told him the only I remembered was the date he had given me I did not know about the problem with the VA. He has never returned my calls or text messages to help me get another refinance. I am out {$400.00} to these people. I got my home refinanced somewhere else I had to pay for another appraisal. These people will not return my calls or texts or emails. I also emailed the headquarters in XXXX. This guy is in Illinois. My credit score is XXXX. When XXXX emailed me the paperwork from the VA I called them was told I owed about {$23000.00}. But I could get a VA loan if I wanted more money. I do n't want to do that. Continued to try to contact XXXX XXXX and Royal United Mortgage headquarters. No answer. These people owe me {$400.00}. Was wondering if you could please help me XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11
Company: JPMORGAN CHASE & CO.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Assett Recovery Associates attempted to impersonate government official-also threats made to take all my assets, wages, house property and to file felony criminal charges. illegal questions about social security number and income questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Receiving multiple calls from BMW Financial regarding a payment that has not reached 30 days and have never been 30 days. On XX/XX/2016 they called my personal number at least 5 times. They called about 2 times did not leave a message. Then they call again and leave a message. Then they call back again and I pick up and they disconnect the call. I get upset and call them back regarding the multiple calls and they disconnect my call. Then I called BMW Financial back. Finally spoke with an agent in collections and told him that I plan on paying the bill on XX/XX/2016 and to stop calling my personal number so many times a day. He said that he would update the account regarding the payment and would stop the calls. About 10 minutes later they call me again to talk about the payment I owe. 

I am at work and when these calls are being made. I am extremely disappointed with BMW Financial and their collections department should be more trained on how many calls they can make a day. After they left a message for me they should have waited until the next day to call again. 

They have previously called multiple times per day prior to this incident but XX/XX/2016 was extremely excessive especially when they left a voicemail and then made contact with them. I can access phone records if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Stearns Ventures, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I traditionally take and make bi-weekly payments on my mortgage with Stearns lending so that way I can take and make an extra payment as well as so I can take and pay down the principal on the loan more quickly. 
I am not signed up for any bi-weekly payment plan and or service and have always questioned given the quick and easy method by which companies are able to take and receive and apply any payments that come with them why I should have to take and incur an additional cost when I can clearly show that my mortgage company by their own system is receiving my payments but they are are choosing to apply them to the loan on their own schedule thereby forcing me to continue to incur added interest while at the same time they are just able to sit on my money without any added return or benefit for me? 
I have provided a PDF of all payments that have been made every 2 weeks going back to XXXX/XXXX/2014.

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 2016-06-10
Company: PNC Bank N.A.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: OPORTUN FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX This company I checked my credit without my permission po 9 times in a year and I tried to talk to them but they spoke to me in a despotic way and I wrote them they never answered me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: KEYCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Key Bank National, XXXX XXXX, Or XXXX. Will not close out my father and mothers checking account. my sister was also on the account as a signer. All XXXX family members have passed, my father XX/XX/XXXX ( this death certificate should already be on file ). My Mother passed in XX/XX/XXXX and my sister passed away XX/XX/XXXX. She failed to close the account when she was moving all the house and other necessary things to do upon someones passing. I have sent this bank certified mail XX/XX/XXXX regarding the checking account still open. The information was XXXX death certificates their ID 's, my ID, a noterized copy of my signature and an affidavit. I live out of state and do not have the luxury to walk into the branch and do this in person where it would take less documentation then the have in their hands now. Since XX/XX/XXXX, I have been speaking to whom I think is the head teller and have spoken to the Branch Manager. Between the XXXX of them I have no further results XX/XX/XXXX. On my behalf I have also spoke to XXXX people from Key Bank Headquarters. They promised to help, I received no further phone calls as promised. Yesterday I get a text, from the Branch Manager, that he has know made a few calls to attorney 's and when he here 's back from them, he will contact me. I know have to wait while they consult an attorney. Give me a brake, where is Key Banks Protocol Manuel??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: KEYCORP
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan from Key Bank for a pool in XXXX. I ended up short selling the house in XXXX, and stopped paying the loan. The loan was sent to collectors and I arranged automatic payments with them in XXXX. I noticed after about a year that the amount owed was n't going down, so I called and spoke to the collection agency and they told me that Key Bank was still charging interest, as they did not and could not charge interest. I called Key bank and they had no idea how that happened. The interest charges stopped after that. In XXXX, my automatic payment stopped, so I called the collectors and asked why, and they told me Key bank took the debt back. I called Key bank and was told the want the entire amount owed, not the little payments I was making, so I said send me a bill. The bill never came, and I got a call from XXXX XXXX on XXXX/XXXX/XXXX at XXXX, and he had no records of my previous contact with Key bank. I requested my proof of payments from him, and I gave him my address, and I 'm still waiting. Key bank has my address and phone number, but they keep calling my mother and harassing her. I need proof of payments from them to show that they were charging interest on a debt they had transferred to collectors, please help, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-30
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just recently saw an account that appeared on my credit report from Midwest Recovery Systems. I have never received any type of letter, bill, phone call, or anything from this third-party debt collection company. They have not verified or validated any type of debt with me. I do n't know who they are collecting for but I do not who these people are and do n't owe any original creditor this amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Prosper Marketplace, Inc.
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan from Prosper. This was contractual and their were no deceit except how the interest would accrue. They are charging 24 % percent each day on the balance of loan, which I feel is very wrong. All other banks and financial institution are charging monthly rates. 

I did not see this writing in the bold or fine print of the loan. I have no problem pay the loan back, but I feel the daily interest is a deception and an unethical practice that hurts the consumer worse than the financial problems they were in prior to the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have an XXXX XXXX XXXX Pre-paid card. This card allows you to " load '' funds to the card online using your debit card. I have done this for years with my credit union debit card and not had an issue. I am now primarily using TCF Bank as it is more convenient than my credit union, and attempted to " load '' funds to my XXXX XXXX XXXX Pre-paid card. Unfortunately, TCF Bank has chosen to block these transactions " for the safety & security '' of my account ( or so I 'm told ). TCF Bank should not be allowed to block these transactions. My assumption is that these transactions were blocked by TCF Bank because it allows their customers to bypass their fee structure. By loading money to this XXXX XXXX card, I am able to withdraw from thousands of ATM 's nationwide free of charge. With TCF, I am charged {$3.00} if I use an ATM outside of TCF 's network. Additionally, TCF has their own prepaid card. Are these transactions really blocked because they want you to use their card? 

I was offered an alternative by a phone banker that I could use ACH to transfer funds to my XXXX XXXX card. Unfortunately, this wo n't work for me for XXXX reasons : 1 ) XXXX XXXX XXXX no longer allows transfers using ACH TO my card, only to withdraw from my card. 2 ) If it did, it would take several business days. The whole point of using my debit card is to load the funds so they are available immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company procollect was given my account after my duagjter moved out of an apartment complex in which I was guarantor, the charges were way more that anyone would ever pay for simple bathroom and kitchen cleaning for a stove to be cleaned that never even worked the entire time she was there, carpet repair when there was no carpet even in the apartment, I tried to explain my situation and that I would pay for reasonable charges but they do n't care about the principle or my innocence, they insist that I pay the XXXX dollars in full. I have called several times year to procollect and the apartment community and not one person is professional enough to at least investigate the matter. This is the only negative thing on my credit, I have never made a late payment on anything. I am professional RN for 16 years and am able to pay my bills, it is the principle here not the money. The unprofessional manner of procollect and their staff is unacceptable to consumers whom do actually pay their bills on time. The staff never even offered to call the apartment community to see if we could come to a conceses, they basically treat you as a lying flake

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 2016-12-02
Company: Regional Management Corporation
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I still have an account showing on my credit report who was included in my bankruptcy. I still also received treated phone calls regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car was repossessed this morning! It was a shock because I never receive any notification, not by telephone call, not a single mail, just nothing out of the blue. We have been faithful in our payments, never missing any. We have set up an automatic monthly payment. I called the car loan and they said I am 90 days overdue. 

I suspect this may be due to a bank merger, my bank changed to a new bank. That is where automatic monthly may mess up. But what I am furious about that there zero communique at all! When I called the bank, I found out that they had my old address and telephone number on the record. I called them two years ago to update my new address and telephone number. They have been deducting my payments without any problem since I updated my address & telephone.

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 2017-01-13
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an account with Key Bank and have been disputing a recurring charge with them from XXXX XXXX XXXX for months ( I initially went through XXXX XXXX XXXX but after 3 months of the charge still recurring I began disputing it with Key Bank. I know it is only XXXX but I 've been being charged this fee for I think over 2 years now and can not get it to stop. I tried calling Key again today but after promising a wait time of less than 3 minutes and being on hold for over 10 with no updated wait time expectations, I could n't wait any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2016, I decided to open my own private counseling practice. On the day that I decided to take my first big step by creating my LLC and opening my business account, my childcare fell through, requiring me to take my baby to the bank with me. While the Wells Fargo employee did seem a bit unprofessional at first and was eating as we talked, I initially loved meeting her. We connected about being transplants from the XXXX and I found myself wanting to help her feel welcome. However, as I have looked back on the meeting, I feel like it was terribly unprofessional. 
As we were opening the business account, I told the Wells Fargo employee that I was interested in getting a business credit card in the future, but that I had no interest in signing up for more cards at that time. We completed my LLC paperwork and opened my account. She told me that in order to open my account, I " had to '' structure it so that it was divided to three sections -- taxes, savings, and the main operating account. Having never owned a business before, I listened to what she had to say. She never told me about the different business account options at Wells Fargo, nor did she inform me about any possible fees I might accrue. Finally, as we were closing the interview, my baby started to cry and I informed the woman that I would need to nurse her so that we could continue our meeting peacefully. To this, she responded " pull out that XXXX!! '' I was surprised by her unprofessionalism, but the meeting was ending and I was happy to have successfully acquired my LLC and opened my account. 
Opening my practice was a slow process, being that I was home full time with my child. I was not utilizing it often, which meant that it took me 2-3 months to discover that at the bottom of my online account, the Wells Fargo employee had signed me up for XXXX credit cards. Additionally, the taxes and savings sections of my business account had been accruing fees rapidly. She did n't just sign me up for a business account -- she signed me up for XXXX separate additional accounts. I did not give verbal consent for any of this. I did sign electronically at the employee 's desk, but I was not clearly informed that by doing so, I was signing up for credit cards or additional accounts. Finally, I was not informed that my main business account would also be at risk for accruing fees. I came to the bank to sign up for XXXX bank account, and left unknowingly with XXXX bank accounts and XXXX credit cards! 
The experience of opening a business, especially as a woman and new mother, should have been an empowering experience for me. Instead, I was deceived by my bank before I even had a chance to begin making money.

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