Data / Consumer complaints / Bear Claw Lending dba Lucent Cash
Bear Claw Lending dba Lucent Cash: 21 CFPB complaints
The full list. Companies with consumer complaints to the CFPB: 5,399 rows, $133.99. $10 of credit on sign-up, no card. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email. For agents and scripts: every list with its row count and price is at https://specstream.ai/data/lists.json.
Updated November 10, 2026. Source: CFPB Consumer Complaint Database.
Bear Claw Lending dba Lucent Cash drew 21 consumer complaints in the CFPB database in the three years to November 9, 2026, and 21 since 2025. The largest group, 17, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Charged fees or interest you didn't expect” with 9. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.
The request: Watch Bear Claw Lending dba Lucent Cash: each new CFPB complaint by product and issue, with the date and the company response.
SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.
- 21Complaints, last 3 years
- 21Complaints, all years
- 100.0%Responded on time
- 0.0%Closed with relief
- 3Products
- Sep 28, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 9 | 8 |
| 2025 | 13 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 17 | 81% |
| Debt collection | 3 | 14.3% |
| Credit reporting or other personal consumer reports | 1 | 4.8% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 9 | 42.9% |
| Struggling to pay your loan | 3 | 14.3% |
| Problem when making payments | 2 | 9.5% |
| Attempts to collect debt not owed | 1 | 4.8% |
| Confusing or misleading advertising or marketing | 1 | 4.8% |
| Electronic communications | 1 | 4.8% |
| Getting the loan | 1 | 4.8% |
| Incorrect information on your report | 1 | 4.8% |
| Problem with the payoff process at the end of the loan | 1 | 4.8% |
| Threatened to contact someone or share information improperly | 1 | 4.8% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 21 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| California | 5 | 23.8% |
| Arizona | 2 | 9.5% |
| Florida | 2 | 9.5% |
| Georgia | 2 | 9.5% |
| Missouri | 2 | 9.5% |
| Nevada | 2 | 9.5% |
| Ohio | 2 | 9.5% |
| Iowa | 1 | 4.8% |
| Oklahoma | 1 | 4.8% |
| Rhode Island | 1 | 4.8% |
| Washington | 1 | 4.8% |
Latest 21 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| September 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Confusing or misleading advertising or marketing | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| May 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| April 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| February 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| January 7, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| December 22, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| December 4, 2025 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| November 20, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| November 11, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 6, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| September 26, 2025 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 22, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 16, 2025 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 5, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 29, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 21, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 4, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 30, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Consumer complaints in California
- Consumer complaints in Arizona
- Consumer complaints in Georgia
- All consumer complaints
Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.
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