BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hi, I would like to escalate my complaint to XXXX XXXX XXXX - CEO of HCA. I was contacted by HCA Care Department on Tuesday ( XXXX XX/XX/2023 ) and spoke to XXXX XXXX XXXX XXXX. I explained the case to him and XXXX looked into it. We spoke on Wednesday and again today ( Thursday, XX/XX/XXXX ). XXXX assured me that he will take care of my case and make everything right. However, after he spoke to his supervisor about his proposed resolution, he called me back and told me his supervisor did not approve it on the basis that I did not call back the customer service the next day (??? ). I asked to speak to the supervisor but XXXX said he needed to schedule a call back tomorrow. Why on earth did I have to pay extra because of the wrong information given by the customer service? It is not about the amount, it is about the fact that you gave your customer wrong information leading to delay leading to extra cost and you are not taking responsibility for it. 

This is written in your website " In addition to our headquarters in XXXX, CA we have three operations centers in the USin XXXX, XXXX, and XXXX XXXX employees all committed to being a value-adding partner for our customers and supporting them with industry-leading customer service. '' Please show me how an " industry-leading customer service '' company treats their customer I request to speak to XXXX XXXX XXXX and get my case resolved no later than Friday ( XX/XX/2023 ) My name is XXXX XXXX XXXX XXXX ( my phone number is XXXX ). My car 's VIN number is XXXX. My Hyundai Motor Finance account is 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 2023-06-17
Company: LEXISNEXIS
State: OH
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:
In XXXX I was employed by XXXX XXXX XXXX, a business located in XXXX XXXX, Oh. XX/XX/XXXX their collections department, XXXX XXXX XXXX, reported a delinquent balance to my XXXX Credit Report. Supposedly, when I resigned the system they use, XXXX, put my account into collections and it looked like I owed XXXX XXXX a balance. I called the owner of XXXX XXXX and asked how I owed a balance. He stated that I don't. He emailed XXXX XXXX and told them to delete my account. XX/XX/XXXX XXXX XXXX XXXX deleted my account from their system but stated they can't call XXXX to remove it from my credit report because they no longer have my account. XX/XX/XXXX I opened a dispute with XXXX. The next day XX/XX/XXXX XXXX stated they reached out to XXXX XXXX XXXX. I called XXXX XXXX and they stated it's a process and will take 30 days. I don't have 30 days. I was in the process of purchasing a house. I need this collection account deleted from my report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to get an accurate count of months in repayment from my loan servicer, Aidvantage. I consolidated in XXXX ( only in order to qualify for the XXXX and XXXX income-based loan programs from the Federal Govenment ). In XX/XX/XXXX, I asked Aidvantage to get information from XXXX so that it could see the origination of my underlying, initial loans which originated in XXXX -- so that they could make an accurate count of the months I've been in repayment towards the eventual XXXX or 25 years of repayment loan forgiveness. On XX/XX/XXXX, Aidvantage sent me a letter, saying that as per my request, here 's the correct information -- and it only goes back to XXXX, with 8 months of repayment noted. On XX/XX/XXXX I called Aidvantage, and they told me that they had no information about my underlying loans ( prior to consolidation ), and that only my previous servicer, XXXX, had that information. Aidvantage also told me that a true accounting of my months in repayment could have only been updated with a XXXX XXXX request, but the XXXX XXXX request could only be requested up until the summer of XXXX. Note : I have not been in public service, I am not seeking XXXX XXXX XXXX XXXX. After this call with Aidvantage on XX/XX/XXXX, I called XXXX -- and XXXX told me that they had already sent all of my underlying loan information ( before the XXXX consolidation ) over to Aidvantage -- so Aidvantage definitely has it. XXXX said they could not re-send it to Aidvantage, but could send my underlying loan records by mail to me by late XX/XX/XXXX. I asked XXXX to do this. I believe I am not getting accurate information from Aidvanatge about my student loans -- both in what information about my loans that they have, and in what months of repayment accounting my loans are overall qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
called Citibank and let them know they ran my XXXX credit XXXXhree times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report. I spoke to four different supervisors in the loan department at CITIBANK and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against CITIBANK Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because CITIBANK claims that they couldnt process the loan. I contacted XXXX and was told I need a letterXXXX  said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave Citibank multiple chances to fix the problems now I filed a Small Claims court lawsuit because Citibank refuses to send letter to or XXXX to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call Citibank the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.

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 2023-06-18
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I disputed this item several times on my credit file and it was removed this account has a co-signer which happens to be my ex wife. During the divorce my ex wife was awarded the vehicle. After the vehicle was awarded to her she lost the vehicle to a repossession! After the car was repossessed I was still getting late payment on my credit file which is against the law I can not be late on a vehicle I no longer have or am responsible for! Not only do I not have the vehicle or responsibility to it! It was disputed and removed unfortunately it has returned! The problem is that I shouldve have been notified 5 days prior to it returning to my report I was not!

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 2023-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I stopped payment on check number XXXX onXX/XX/2023 at XXXX XXXX It was a bill paycheck from Bank of America for {$11000.00} to XXXX XXXX XXXX XXXX XXXX. The bank cleared the check on XX/XX/2023. One of the bank'e employees reversed the stop payment on XXXX at XXXX XXXX EST which allowed for the check to be cleared. 

XXXX XXXX XXXX XXXX XXXX says that they did not cash the check. So there are 2 issues. The agent at Bank of America who reversed my stop payment is what I am addressing in this complaint. The person who fraudulently cashed the check is another issue that can't be addressed through this complaint. 

I filed a complaint with XXXX in the check fraud department with bank of America at XXXX XXXX XXXX. 

Bank of America cleared a check drawn to a completely different individual and address than what I indicated on my bill pay check. This is egregious and outside Bank of America 's scope as a fiduciary. This had to be done by a BOA employee.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express failed to apply principal balance to the principal account for set off. Violation : I submitted a restrictive endorsement ( Bill of Exchange Act ) on several occasions ( endorsed payment coupon ) which is a negotiable instrument and lawful form of payment. American Express denied the lawful form of payment and therefore caused an issue with the account and caused the account to close unlawfully. 





I, XXXX, XXXX/Agent : on behalf of XXXX XXXXPrincipal notified CFO XXXX XXXX XXXX XXXX American Express by certified mail dated XX/XX/23 instructing CFO XXXX XXXX XXXX to apply my principals balance to my principals account for set off. I sent CFO XXXX XXXX XXXX my tender along with my instructions pursuant to the Bills of Exchange Act. I informed American Express that it is not now, nor has it ever been, my intention to avoid paying any obligation that I lawfully owe. I am not refusing to pay. I am trying to set off this debt as instructed by law. My tender and instructions were refused on both occasions. I notified CFO XXXX XXXX XXXX XXXX American Express by certified mail again dated XX/XX/23 and provided my tender and instructions. Again, American Express failed to perform their fiduciary duty. I received letters from American Express stating that they do not accept my presentment or negotiable instruments. This is described as Dishonor pursuant to the Bills of Exchange Act ( Section 80 ). I notified CFO XXXX XXXX XXXX of American Express a 3rd time dated XX/XX/23, by certified mail and again instructed him to apply my principals balance to my principals account for set off. I sent CFO XXXX XXXX XXXX my tender along with my instructions pursuant to the Bills of Exchange Act. Once again, my instructions were refused. Pursuant to the Federal Reserve Act ( Section 29 ), American Express has shown a pattern of misconduct and knowingly breached their fiduciary duty ( Third Tier ). 



Federal Reserve Act section 16 part 1 and 2 states that once I submitted my application for credit, the application serves as collateral security. In an equitable contract according to contract law, both parties should receive equal consideration. I have not received my equal consideration on the collateral security created from the application in the form of interest or equity to set off the debt for the American Express account ending in 81009. 12 USC 1431 also states banks are borrowers and to pay interest on debentures ( debt instrument ). 



LAST ATTEMPT TO CURE BEFORE PROCEEDING TO LITIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXXXXXX XXXX XXXX I opened an account in XXXX XXXX  closed XXXX account in XX/XX/XXXX. I have no knowledge of this loan. I either want physical proof or it removed from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Harley Davidson Financial Services Inc
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive 5 to 6 calls a day from Harley Davidson Financial. I pay the bill every month, however they call me 5 to 6 times a day, even on Sundays and holidays. Even after I make promise to pay I still receive calls. I have also been threatened by representatives to adversely affect my credit score. For example on today, I have received a call at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all on XX/XX/2023 ). On Friday I received a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This occurs continuously, even the day after I have made the payment. I pay this bill every month yet I'm harassed daily until another payment is made and then the cycle starts over immediately sometimes the same day. I am a XXXX XXXX who suffers from XXXX and XXXX XXXX. I have had to increase my medication cycle because of the constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received a letter from Chase, stating that all accounts of our family : checking/saving accounts for me, my wife, and XXXX kids, plus associated credit cards and safety deposit boxes, would be closed on XX/XX/XXXX. The reason given in the letter : " because of unexpected activity on this or another Chase account ''. That is absolutely incorrect! We have no " unexpected activity '' whatsoever during the past 17 years banking with Chase. I called Chase customer service. The agent was sympathetic but could not offer any further explanation. This kind of sudden closure without any alert, inquiry or specific reason is not only shocking, but it has created lots of hassles for payments of family expenditures, linked utilities, and other payments. Particularly the letter for the safety deposit box said " if you don't pick up the contents by XX/XX/XXXX, we'll send them to the state as abandoned property, or auction them ''. What kind of bully notice is this?! What if we were traveling and did not receive the letter in time? I am sure we are not alone. How Chase treat their customers is unprofessional, disgusting and frustrating! We demand a solution for this issue and reinstatement of our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC Reference Number XXXX | Original creditor : XXXX XXXX XXXX ERC and XXXX XXXX XXXX continuously attempt to collect a debt from me that is not owed from an account that is not mine and refuse to provide any evidence of any contractual relationship between myself and them beyond a bill attributed to a " XXXX XXXX '' at the address " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX '' despite that I have NEVER so much as been to the state of California, nevermind EVER residing there. XXXX XXXX is a common name combination and ERC and XXXX XXXX XXXX are negatively impacting my credit and are harassing me as a result of their own negligence. I do not owe XXXX XXXX XXXX/ERC the alleged debt. I never held the address alleged by XXXX XXXX XXXX/ERC, or any California address for that matter. XXXX XXXX XXXXXXXXERC refuse to provide any evidence of any contractual relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: United PanAm Financial Corp.
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 information incorrect

Complaint:
Continuing to report false inaccurate information. and refuse to correct, inaccurate total amount owed between CRA 's and the original creditor. Never sent my 1099. I demand this account be updated to paid in full on time as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The negligent mishandling of fraud situation by Chase with my Chase account, it was reported to the branch on XX/XX/2023 in person at about XXXX XXXX, my account was compromised by a XXXX group after responding to an e-mail ( Phishing e-mail ). Chase issued a wire transfer that afternoon for {$9000.00} to the scam, they had time to freeze the account prior to the issuing the wire transfer, this was never approved by me or my wife. The person who received the wire transfer was : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, Arizona XXXX ew Chase denied the claim stating " We are denying your claim because during our review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. '' I have requested a copy of the claim file but was denied by Chase. 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I have a AMEX Blue Cash Preferred card and I just canceled the card but the question is that there is {$96.00} balance ( reward ) in my card and the company won't give back to me. So I request the company give back to me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Modern Adjustment Bureau
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to make a dispute on my XXXX profile. A collection for Modern Adjustment Bureau was settle in court with a dismissal and judgment set aside with no moneys owed. Please see attached court document. they fraudulently refiled with the court with no Judge opening back up the case. You can check with XXXX Court of Records to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Bright Capital Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bright money has been withdrawing round up funds from my bank account when there are not enough funds in the account to do so. When you sign up for bright money, if your bank account is below XXXX dollars they stop the rounds up and stop withdrawing. This has not been the case for me. My account was overdrawn and continues to be overdrawn. I ended up having over XXXX dollars in overdraft fees from just bright money. I had emailed them XX/XX/XXXX requesting them to stop and help resolve the matter with no response. I emailed again on the XXXX and the XXXX when they continued to do so. I was unable to remove my bank account from their app or website. I was eventually able to turn off the round ups and it confirmed that they would not pull funds. Fast forward XX/XX/XXXX and more funds came out of my overdrawn account causing XXXX dollars of overdraft fees. This company isnt saving me money like they claim, they are costing me. I send yet another email once I saw the funds came out. I have yet to have a response back from the company and its been 10 days. When you try to call nobody ever answers and you can not leave a voicemail. They promise someone will respond within XXXX hours of an email but that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Bright Capital Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
i signed up for bright money services the subscription fee was supposed to be {$8.00} a month for 12 months but they took the whole {$99.00} out my checking account at XXXX time. I finally got the opportunity to talk to a live person after trying for 3 days. The response to my emails are vague and unsupportive. i was promised a refund but haven't received one as of yet

Company response to consumer: Closed with explanation