BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My vehicle was hit in 2016 and totaled, my insurance told me they would handle it all. I never received a call, email or letter in the mail of the difference of my balance not being paid by my insurance. The only way I knew I owed {$1000.00} is because I paid to view my credit report. I called Credit Acceptance today to see what I could do to resolve the balance of {$1000.00} that they submitted to my credit report and they told me I owed over {$1700.00} to them because they are still accruing interest at 19 % since 2016. I asked why my credit report doesn't reflect this difference and the rep couldn't give me an answer. I asked to be transfer to a supervisor but I was told he was on another phone call. I don't think what they are doing is fair or legal since they have sent the balance to collections already

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I have the chase sapphire reserve card op en for 6 w eeks and paid the full annual fee. They decided to close the account on me and refuse to refund the annual fee when I have n't taking advantage of the card- tried calling multiple times and they refused to help or to reopen the account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On  XXXX   XXXX ,  2016 , I applied  for a Lowes Credit Card to finance the purchase of my kitchen remodel of approx. {$50000.00}. I was told that the remodel will take 2-3 weeks once the kitchen cabinets arrive. The remodel has been completed but it took 22 weeks!!!!! I went 8 weeks without a functioning kitchen. I have incurred out of pocket expenses due to this delay that was not of my during. I have repeatedly contacted Lowes Corporate Office indicating that the matter would be escalated until resolution. I still have yet to be contacted and/or reimbursed for my out of pocket expenses, plus any compensation for the inconvenience of the delays.

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 2022-09-12
Company: Ability Recovery Services, LLC
State: AZ
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 a medical collection on my account for {$1200.00} which was not me. I have never heard from this company or have ever incurred a debt like this. I can not get ahold of the company and have tried disputing this twice with 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 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
fradulent inquiries ... and unverified accounts

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 2017-06-14
Company: AMERICAN EXPRESS COMPANY
State: WI
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:
I was sent an of fer by American Express for a Delta Skymiles Gold Card i n  XXXX   2017 . I have had this card before but had cancelled due to high annual fee. I applied on-line and was approved immediately. My card came in the mail within a week.     This offer included first year free plus  XXXX  miles after reaching spend amount of {$3000.00} in first 3 months.     After I reached the spend level, I called to find out when my miles would be credited. I actually called twice because they were n't showing up. I was finally told I needed to wait 90 days. I continued to use the card and have spent close to {$8000.00} since enrolling.   The 90 days came and went but still no miles.     I called the company again but this time was told since I had the card before I was n't eligible for the bonus miles. They informed me that this was disclosed in the terms and conditions. I did not see that when I went thru the application process and informed them that regardless why had n't I been told this earlier by anyone I talked to. They informed me that the agents probably did n't look into that level of detail on your account.     I feel like this was misrepresentation and deceptive advertising. I would not have applied for the card or minimally would have stopped usage had any of the agents informed me about this. I feel they let me continue to spend and only informed me when I pressed about the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello : I am based in XXXX XXXX People 's Bank has been recently bought out by M & T based in NY . During the change over to M & T, my line of credit was closed with Peoples Bank which is now creating a lower credit score. I'm hoping that this can be amended so that my credit score can move back up. 

I look forward to your reply.

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 2021-10-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello- I requested my mortgage company to remove PMI and give me the opportunity to close my Escrow account by proving the value on my home has increased past the 75 % XXXX threshold. Back in XXXX. I submitted a timely application and payment in the form of a {$320.00} check, pursuant to PHH 's instructions on ordering an appraisal. 

I followed back up this month ( email conversation attached ) and all they responded with is " be patient ''. 

I'm now approaching XXXX and they have not taken any action other than depositing my money. They are dragging their feet deliberately because they don't stand to gain anything from my PMI cancellation and closing of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On  XXXX    XXXX  ,2017 I put in a request for my information to be updated so I could receive a Ac cess Code to send money using wells Fargo sure pay. I rec eived the email stated that my information has been updated and to allow time to receive code. I called on  XXXX   XXXX ,    2017  to get the code and they advised me the ticket was never put in and I would have to wait for another ticket to go in. I was  on the phone with three different representatives for almost 50 minutes just for them to tell me I still hav e to wait. This is BAD SERVICE and it is UNACCEPTABLE!! Clearly, some additional training is needed because work orders are not being handle properly! I feel my business at the bank is not being taking seriously and will be closing this company 's account. I AM TRULY UNSATISFIED WITH THIS COMPANY!!!!

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 2017-06-14
Company: Experian Information Solutions Inc.
State: NC
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:
Hi Team, I have never applied to any credit card other than XXXX. But I see lot of enquiries from below vendors. These all requests are not placed by me. It 's a fraud or mistake that has happened. Due to this my XXXX XXXX XXXX XXXX request was declined. Please help me removing below information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX 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 2021-10-29
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Tower Loan company sent a cashable check and a family member cashed it without my knowledge. This company harassed myself and family members using a threatening manner. They also ran my credit multiple times without my consent.

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 2022-09-12
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have numerous chat communication as a live person is hard to get. I had opened this acct as I was having issues with unauthorized access and thought this linked with phone would be secure. I had lost my orig card issue ending in XXXX, the replacement received XXXX. During the lost card replacement I had used the virtual card for first time and not even that much. I had noticed that when attached to a service such as XXXXXXXX XXXX it uses a different number? Or perhaps that the situation of knowing my acct has unauth access? 
As I had my phone stolen when card was lost, I had added a temp num for use and then switched it back having only one number. Now I am missing deposits and check dep from Treasury were not the same as I had in hand. Rejected and I'm missing money, I do believe I have another acct that's not attached? And I think they have given access to another with no permission. As fingerprinting is used to access acct, I think they need to get this checked, as well as the phone being used. I have never owned a XXXX, just for info I share, And it's been a good minute since I have had a decent phone so XXXX has been my most current use. 
Anyhow, I had tried to find a lost dep and get answers on transactions that are made no where near me, for rooms I have no location for. I had contacted the parent bank and they had no acct listed either. Now, my sav and ch acct both drained and I'm locked out, the verification of card, pH, add don't match my pH at all. I had written it down and still have no access I want the statements for all accts sent to me and card number info, if virtual or hard was used. I think the statements I get to print show more trans than I do, and even the monthly total expenses doesn't add up. So I want a clear statement and list of acct and an audit to find out where the funds are being filtered to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Nelnet, Inc.
State: FL
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:
For the fourth semester in a row ( Summer XXXX through Summer  XXXX ), Nelnet has used the student loans for my part-time XXXX  program as an excuse to put my previous XXXX XXXX loans into deferment. Each time, they claim that I requested a deferment despite the fact that I never did.
<P/>
I have contacted both Nelnet and Federal Student Aid Ombudsman Group and both have failed to even acknowledge my correspondence. <P/> Further,  the last two semesters, I have filed a request via studentloans.gov to put the new loans into repayment immediately. This includes answering Are you currently in deferment or forbearance with Yes, but I want to start making payments under my plan immediately. Each time, Nelnet has responded to this request by sending a letter stating that my deferment request was approved rather than placing the loans into repayment.
<P/>
At this point, it is clear that Nelnet is blatantly attempting to delay my ability to claim loan forgiveness under the Pay As You Earn program and increase the amount of interest I am forced to pay over the now extended life of the loans. This is nearly identical to the conduct XXXX was already sanctioned for.
<P/>
I am not requesting that you intervene only on my personal behalf. I have the capability to pursue litigation and have some special office of Nelnet issue a fake apology and reverse the deferments as a supposed special exception. I intend to do exactly that next Spring after I graduate and dont have to deal with the same thing every semester.
<P/>
Instead, I am asking that you investigate Nelnets overall practices on behalf of the thousands of students who are being charged thousands of dollars in additional interest without even being aware of what is going on or the financial consequences of taking an extended deferment.
<P/>
Questions to consider include : Why is Nelnet placing student loans into deferment supposedly at the borrowers request when the borrower made no such request?
Why is Nelnet ignoring written instructions to not issue future deferments?
Why is Nelnet extending deferments upon receiving Income-Driven Repayment Plan Applications from StudentLoans.gov directing that the loans be placed into immediate repayment?
Is Nelnet committing a crime by falsifying documents when it states that the borrower requested a deferment when the borrower did not?
<P/>
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for Upgrade Card with the following terms from XXXX : Open Upgrade Card and Earn a {$500.00} XXXX  bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions* During the application for Upgrade Card, I did not have the option to enroll for a Rewards Checking account during application prosses. Moreover, I don't have such an option ( see attachments ) after I submitted the application. Upgrade 's representative assured me that I can open a Rewards Checking account after I open Upgrade Card. Eventually, Upgrade Card was approved and opened but the Rewards Checking account was not open. I tried to apply for the Rewards Checking account separately using existing credentials for the Upgrade Card account but received the following message from Upgrade : Thank you for your interest in an Rewards Checking account. Unfortunately, we could not open your account because we could not verify your identity. 
This message does not have sense because I am already an Upgrade customer and Upgrade already verified my identity during the application prosses for Upgrade Card. 

I believe the term for {$500.00} XXXX  bonus was misleading because of the next reasons : 1 ) I did not receive information about how to open Rewards Checking account from the upgrade 2 ) Terms of the offer do not outline the fact that the Rewards Checking account is needed to be opened after Upgrade Card was approved. 
3 ) There is not an option to add the opening of Rewards Checking account during the application for the Upgrade Card 4 ) XXXX link leads to the application of opening Upgrade Card without clarification on how and when Rewards Checking account should be open 5 ) Upgrade does not allow to open Rewards Checking account for the existing user with vague explanation : " we could not open your account because we could not verify your identity ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/XXXX I demanded Equifax to investigate and verify 7 accounts that was allegedly mine. I didn't receive a response. On XX/XX/XXXX I sent another response with a copy of the letter that I mailed on XX/XX/XXXX. I will upload both of those letters. I asked for those accounts to be verified in XX/XX/XXXX and I also had them put a fraud alert. During each of these times ; XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX those same accounts were still being reported on my credit report. I have yet to receive any proof of the investigation. I sent an affidavit and cease and desist on XX/XX/XXXX through first- class certified mail with return receipt and they delivery date was XX/XX/XXXX. My consumer rights have been violated and the company has violated six FDCPA laws as follow, 1. 15 U.S. Code 1681i ( A ) ( 1.A ) 2. 15 US Code 1692e 3. 15 US Code 1692g on 3 of those accounts being disputed 4. 15 US Code 1692j ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Their investigation did not fix an error on your report

Complaint:
I have sent TransUnion documentation multiple times, more than 60 days ago, regarding identity theft and fraudulent accounts and inquiries on my credit report, including the Federal Trade Commission Identity Theft Report. The FTC Report listed the fraudulent accounts and inquiries. I have also spoken to several representatives regarding this issue. TransUnion has refused to complete the investigation as required by law, and refuses to re move the fraudulent inquiries, stating that they " are not required to remove inquiries and will come off after two y ears. '' Fradulent credit inquiries on my report include :  XXXX  Mortgage,  XXXX  Bank,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Cr,  XXXX  Ca  rd.
_________________ Tracking Number :    XXXX   XXXX ,  2017  :  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 2022-09-12
Company: CITIBANK, N.A.
State: CT
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:
Right to Privacy Your disclosure of non-public financial transactions between XXXX XXXX and myself without my expressly written consent to unaffiliated third parties ( like the credit reporting agencies ). Youre legally charged to safeguard and keep private the nature of our regular and ongoing non-public interactions. Sharing this information on a monthly basis without giving me an opportunity to direct how my information may be used constitutes a flagrant violation of the law. 15 U.S.C. 6802, Gramm-Leach Bliley Act 15 U.S.C. 1681a ( i ) The consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. You are in violation of the law. 

Congressional findings on credit reporting agencies ( 15 U.S.C. 1681 ) state that reporting agencies assumed the role of assembling and evaluating consumer credit. It is not a congressional appointment and is in fact a voluntary reporting system. Youre not legally mandated to report to the credit reporting agencies. Thats a choice. It may be common practice and company policy however your internal policies do not supersede the law. The law does require accuracy of information if you choose to use this voluntary system. Accuracy in reporting is however your obligation but it may not include the transactions and experiences between the creditor and the consumer. Congress has stated that credit is a right and youre using the tenets of this voluntary reporting system as justification to adversely impact, harm and deny my right to attaining creditthis is discrimination. 

Thank you

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 2017-06-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this.   All calls directed to call center in  XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times.   I am scared as the house is in foreclosure

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