BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-25
Company: Netspend Corporation
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My Brinks Prepaid Money Card was shut down by XXXX XXXX XXXX Bank XXXX XXXX XXXX I called and after lengthy time on hold, was told I would receive a refund check for the remaining funds in the account. This was approximately 2 months ago, and the check never arrived. They are holding onto my 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 explanation
Consumer complaint received 2023-11-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
[ Navy Federal Credit Union ], violated the Truth in Lending Act ( TILA ) and the Uniform Commercial Code ( UCC ), resulting in harm to XXXX XXXX ]., [ Navy Federal Credit Union ], is a corporation organized under the laws of the State of [ Virginia ], with its principal place of business at [ XXXX XXXX XXXX XXXX, VA XXXX ] .On [ XX/XX/XXXX and XX/XX/XXXX ], Navy Federal and I entered into a retail installment contract, which constituted an auto loan for me to purchase a vehicle. 
Despite UCC 9-203 outlining the requirements for the attachment of a security interest and UCC 9-310 mandating the filing of a financing statement for the perfection of the security interest,

Navy Federal failed to satisfy these requirements. Specifically, they neglected to include the note, the evidence of debt, in the security agreement and did not file a financing statement, thus failing to perfect the security interest correctly.

Without informing or gaining the consent from me, Navy Federal initiated a securitization process, which involved the sale of the loan note. This process effectively converted the my loan into an asset-backed security.

I demand that Navy Federal produce the original note, demo
nstrating that it has not been securitized. TILA, in conjunction with Regulation Z, imposes an obligation on creditors to disclose material terms and conditions of loans to consumers. Navy Federal non-disclosure of the securitization process is a violation of TILA, as established in Jesinoski v. Countrywide Home Loans , Inc., 574 U.S. 259, 2015.

UCC 3-301 stipulates that a person entitled to enforce an instrument is either the holder of the instrument, a nonholder in possession of the instrument who has the rights of a holder, or a person not in possession of the instrument who is entitled to enforce the instrument. In this case, Navy Federal, by not including the note in the security interest and subsequently selling the note, is not the holder of the note. Therefore, Navy Federal has forfeited its right to enforce the note under UCC 3-301, which results in nullifying me the obligation to pay the debt. Also the debt has already been paid based on the UCC-1 filed by The federal reserve by me signing the promissory note, extending my credit, and Navy Federal making it a security. As per UCC 3-604, if an instrument is paid by a party obliged to pay the instrument and the party paying the instrument receives a conspicuous statement to the effect that the payment is in full satisfaction of the obligation, the effect of payment is discharge to the extent of payment. In this case, by selling the note, Navy Federal voluntarily discharged my debt under UCC 3-604, absolving the Plaintiff of any liability under the note.

Company response to consumer: In progress
Consumer complaint received 2022-09-08
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022

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 2019-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian, XXXX and XXXX  are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices. 

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.

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 2019-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After a temporary financial situation caused me to get behind in my mortgage, I applied for a loan modification back in the summer of 2018. I never received any status updates regarding the application and have since attempted to follow-up on the modification. I have also since been able to make regular mortgage payments, however, have been restricted from making any payments since I fell behind. 

All attempts to reach someone by telephone have led to either extended hold time and eventually I am disconnected. Additionally, I attempted to check the status of the modification online and continued to receive the message that my application status could not be accessed. Again, I attempted to contact the telephone number I was referred to on their website, to no avail- long holds and then disconnected. 

Today, I called and actually spoke with someone who stated I would be transferred to " a relationship manager '', but also gave me " their phone number '', which in actuality was the same number I called to reach the person with whom I was speaking. I was transferred and a recording stated, " Let me see if a Relationship Manager is available '', and after a brief hold, another recording informed me that no one was available and stated, " This call is being disconnected ''. As usual, there was no option to leave a message and I was again disconnected without speaking with anyone who could assist me. 

It appears as though this is a scam and they are looking to increase interest and fees!

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 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely Experian and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

Company response to consumer: In progress
Consumer complaint received 2019-01-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website, and they also charge me late fees after only a couple days from the XXXX of the month. So, I went from always being current on my mortgage to always being late and charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.

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 2022-03-05
Company: Block, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I had my tax refund direct deposit into my Cash App account on XX/XX/02 from my tax preparer TPG. It was for the amount of {$13000.00}. Since its not more than {$25000.00} it shouldnt had been a problem. My deposit was pending from XXXX ; XXXX am to XXXX. I tried to send my son {$600.00} dollars ( which I send money to him all the time and he send me money ) after I tried to send him money. I recieved a text saying my account is temporary locked for unusual activities and they want to keep me protect. Within 24 to 48 hours I will receive a notification and I will be able to access my fund. I tried to cash out my money to my linked bank account and cash app wont let me even transfer my money to my link bank account. I have spoken with over 8 reps from support. I have talk to a manager. I have send in the proof from my tax preparer. No one has resolve this issued and its over 48 hours. All Im trying and wanting to do is transfer my money to my link bank account. I can view my balance on cash app but cant cash out nor send or recieve money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: DC
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, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
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:
I made sure that my bank information was correct in my account with Aidvantage prior to the student loan mandatory repayments starting up again in XXXX. I received a confirmation email a few days ago that they had processed my first repayment- but when I went to their website, I saw an error message that I had missed my first payment. I have looked into this online and I've seen many people say that this problem with Aidvantage was only solved by filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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, XXXX XXXX account number XXXX and XXXXXXXX XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.

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 2021-04-13
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I scanned a check for {$5500.00} into my Ally Bank XXXX Account on XX/XX/XXXX before XXXX thinking my money would be available in my account that day because that is what is clearly stated on their website and in the app. I did not see anything in my account so I waited until Monday  to reach out to Ally Bank to ask about the status of my funds, they then told me I would not see the funds until Friday XX/XX/XXXX - 7 days after I scanned my check via the Ally Bank App. The ONLY reason I scanned that check into Ally Bank is because it clearly stated my money would be in the account same day. I needed my money in that account because I have XXXX dollars until I get paid on Friday XX/XX/XXXX and I can not currently liquidate my $ XXXX investment account I have with them. So now I have no money, I just over drafted again, and I no longer need that check in my account to cover because I get paid that same Friday XX/XX/XXXX. I only needed that check in my account to cover for this week XX/XX/XXXX - XX/XX/XXXX. I have tried to get them to release my funds numerous times but they just keep telling me there is nothing they can do about it. How is it legal for a bank to hold up MY FUNDS for that long when I absolutely need the 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 non-monetary relief
Consumer complaint received 2021-11-11
Company: KEYCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
CFPB case # XXXX KEYBANK case XXXX XXXX ( Prior case # XXXX ) I read KEYBANK reply to my complaint where I confirmed that previous refund of {$170.00} was made to account, as a gesture of goodwill. It happened after I completed manager 's request to provide an evidence where were bank error verified and confirmed. 
In regret the frustrating experience I have had I share this practice which needs to be an investigated. 

1. Picture # 1 from account statements on XX/XX/2021. 
On the picture you may see that account balance wasn't negative, but was charged with the overdraft fees {$38.00}. 

If this charge will be returned, account balance wouldn't be negative after all transactions including international fees. 
" Charge off '' is an accounting function, where overdraft fees is bank ambitions and makes balance negative {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/2018 due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back onXX/XX/ to advise them I could not pay the XXXX on XXXX but I would have all the money by XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed XXXX and paid XXXX. They are asking for XXXX. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EdFinancial Services
State: DC
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:
On numerous dates in XXXX and XXXX I tried to identify the forgiveness and repayment options available to me. When I called in, they were deceptive and misrepresented my options for forgiveness, my XXXX eligibility, and covid payment refund deadlines. 

Because of their behavior, I did not receive a refund for payments I made during the payment pause because I was not aware that I was eligible for XXXX, and would thereby benefit from a reimbursement, and was not aware of a deadline to request but only a timespan of eligible payments to be requested. 

Furthermore, in XXXX they transitioned to a new platform without migrating my payment history, making it difficult for me to see my history of payments and clarify what payments were eligible for refund. I requested this information online but did not receive it until I repeatedly called in XXXX XXXX 

I made several payments during the COVID payment pause, amounting to over {$51000.00}. With {$42000.00} of payments of this being paid between XXXX XXXX XXXX XXXX XXXX XXXX I would not have made these payments or delayed my request for refund if they had not misled me over the phone and online regarding my XXXX eligibility and deadline for requesting a refund. 

Ed Financial told me that I could request a refund for payment during the pause, thanks to the CARES act, as long as the payment was made during the pause, and that no deadline was currently set or advised by Department of Ed. No deadline was ever communicated to me. 

Throughout XXXX, XXXX, and XX/XX/XXXX, I attempted to make the request for refund several times using their online form, chat tool, and by phone. Several times the phone calls hung up on me, had extremely long wait times, and the few times I was able to get someone on the phone knowledge was limited. 

Despite many attempts to formally submit requests using their online form tool / email tool did not record my messages, send me any sort of confirmation message, and never responded to me in any way shape or form. The few times I was able to get someone on the phone, they said I could not request a refund or that it was too late. 

Information regarding refunds available on Ed Financials site was non-existent or misleading, while StudentAid.gov only listed the dates of payments that were eligible to be refunded, not a deadline to request the refund. The CARES Act also does not list a deadline to request the refund. I should have had a fair window of time to make my refund request beyond the final date of my payments. The largest payments I made were less than 60 days ago. There is no reason I should not be able to receive a refund that I'm entitled to by law. 

These are the dates and payments I want refunded : Date Payment Amount XX/XX/XXXX {$4500.00} XX/XX/XXXX {$980.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$30000.00} XXXX  {$12000.00}

Company response to consumer: Untimely response
Consumer complaint received 2021-11-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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