BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
This Netspend card I received I got it from XXXX XXXX where I do my taxes at to get my refund deposit to me I called to check the card and my balance was on there I tried to use it It stated that the card is invalid so I called Netspend the company and they stated they closed my account out without notifying me and that I can not use there services this is my first time ever having this card company and they have my money just sitting there then I was told I could not speak to the fraud department because they dont have a number I can reach them and thats who closed my account out that department also I called several times and they gave me the run around to tell my they have to issue me a check within seven to ten business days because the account was closed out I ask them is there a tracking number they told me no I said is there a check number they told me no and to call back XX/XX/XXXX to see if it was processed This is my money I know there are other options they have to get my funds to me I ask do they have over night shipping they said no they dont I just have to wait the time this is my money and they are very unprofessional disrespectful and do not know the knowledge of there business customer service is lost keep transferring me all over I keep hearing different things they said they was going to send me email confirmation I havent received that either I really need my money its a lot going on as it is bills and rent bagged up lack of work cause the pandemic and now this happens I would recommend this company to no one please I need someone to help me on this matter

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have disputed these items several times and also I have reported XXXX XXXXXXXX to the Nation Credit Union Administration also I will be making an OCC complaint followed by and Attorney General Complaint if I am unsuccessful with remedy this time.

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 2019-03-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following is in response to Select Portfolio Servicings ( SPS ) response ( XXXX ) dated dated XX/XX/ and XXXX XXXX response ( XXXX  ) dated  XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable  documentation of SPS 's and XXXX   fraudulent activity and misrepresentation. First, both SPS and XXXX  assert the property address associated with the alleged note and mortgage as XXXX XXXX XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX  ; and XXXX XXXX XXXX XXXX, XXXX NY XXXX, and lastly, XXXX XXXX XXXX XXXX NY XXXX. XXXX, NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. .25   acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX   ( XX/XX/XXXX ). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation SPS and Beneficial continue to perpetrate. SPS ( AKA XXXX XXXX XXXX XXXX ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to XXXX, SPS continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and SPS defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: VA
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 3 erroneous accounts on my Experian credit report on XX/XX/2020 via mail. I have NOT received any dispute results and it is now XX/XX/2020.

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 2021-04-29
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$790.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$990.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$790.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definately money in the account to pay the balance. The XXXX payment I submitted payment for to my credit card in the amount of {$1000.00} was also returned as insufficient funds on XX/XX/21. I disputed this transaction of {$990.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$990.00}.

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 2019-11-09
Company: Harris & Harris, Ltd.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep trying to collect on a debt that is not mine. Threatening that to call them back is in my best interest. I do not owe this debt, it is not mine. Filing complaint with XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.

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 2017-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Account shows transactions that we 're performed via debit as 2 days in future when in fact were performed 4 days prior and show as pending. All cash was removed from account and now accredited with {$200.00} out of thin air. Transaction dates manipulated not matching receipts. Transactions moved around of order. Possibly trying to manipulate account to try and gain overdraft 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 2018-03-29
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to get the payoff balance on my loan. I called again today ( XX/XX/XXXX ) to follow up on the balance so we can refinance with another company. Seterus, Inc. informed me that they received our Chap. XXXX completion notice from the Judge on XX/XX/XXXX. I was also informed that Seterus, Inc. was to have my account completed with their bankruptcy dept. by XX/XX/XXXX. They acknowledged that we had a request for payoff in XX/XX/XXXX and again on XX/XX/XXXX. When I requested the payoff again on XX/XX/XXXX I was told that it could take up to 180 days to process the bankruptcy clearance before a payoff could be completed. I was told not to call back this week as it would not speed anything up. I called back today and was told that while they acknowledge that they have not met any of THEIR requirements to process a payoff, I would have to continue to wait while they try to get the information completed. They are running me around in circles while they acknowledge that they have not met their deadlines. I have DEMANDED a payoff balance to be processed immediately and they just tell me that they have " expedited my complaints '' and they are " working on it ''.

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion shows a bankruptcy on my report from XXXX XXXX that I have disputed and Transunion has claimed was verified. This bankruptcy does not belong to me. Per Transunions website any public records collected before XX/XX/2018 are obtained from XXXX. XXXX does not have a public record showing under my credit file for bankruptcy and has submitted this information to Transunion. Transunion will not remove this incorrect data from my credit file and will not provide verification of bankruptcy that includes my signature.

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 2021-08-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
REF : SPS SELECT PORTFOLIO SERVICING MY SIGNIFICANT OTHER PASSED XX/XX/XXXX. THE MORTGAGE WAS TRANSFERRED TO THE ESTATE UPON PASSING. HOME WAS TITLED AND DEEDED TO MYSELF WITHIN THE PAST TWO YEARS. THE FINANCE COMPANY APPROVED ME AND THEN DENIED IN XXXX XXXX. 

I HAVE BEEN TRYING TO HAVE AN AFFORDABLE PAYMENT WITH SPS AND THEY HAVE NOT AT ALL BEEN HELPFUL. WE HAVE FILED MODIFICATIONS, HARDSHIP LETTERS AND SHORT SALE. 

TO DATE SPS FORWARDED THAT THE HOME TAXES AND INSURANCE ARE MY RESPONSIBILITY. THE MORTGAGE IS STILL IN THE DECEASED NAME BUT TITLED IN MY NAME. THE MORTGAGE COMPANY HAS NOT ASSISTED OR HELPED AND WE KEEP GETTING A RUN AROUND AND DIFFERENT ANSWERS EVERYTIME WE CALL FROM DIFFERENT PERSONNEL. 

I AM AT A LOSS AS TO WHAT TO DO IN ORDER TO NOT LOOSE THE HOME I HAVE BEEN RESIDING AT SINCE XX/XX/XXXX. 

I APPRECIATE ANY ASSISTANCE AS THIS COMPANY HAS NOT WORKED WITH ME AT ALL. AS STATED THE PROPERTY AND DEED ARE UNDER MY NAME AND THE MORTGAGE IS UNDER THE ESTATE. I AM NOT TRYING TO CHEAT THE MORTGAGE COMPANY AND WILLING TO PAY WITH A REASONABLE AMOUNT. ANY HELP AND ASSISTANCE WOULD BE APPRECIATED AS THIS COMPANY IS THE WORSE TO DEAL WITH. 

YOU CAN CONTACT ME AT XXXX REGARDS, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: MD
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:
Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXXXXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/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 2020-09-08
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Discover Card sent me a promotion in the mail for 0 % interest for 14 months on {$4000.00} dollars. After I got the card, they began charging me interest. I spoke with them numerous times and they just said their records show an interest fee. That's it. They just get away with false advertisement and go on. I'm paying off the full amount and will never deal with them again. They are a scam company big time and don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Wages being garnished because of no payments. Tried many times to set up an affordable payment plan. Couldn't connect with NELNET services on line or phone. I sent letters trying to get lower payments or forgiveness and tried to reach out to other services for information. Unfortunately it's difficult to determine which is real versus a scam to get personal information. The school I attended lost it's credibility and now my degree is worthless so I feel like give them money back is a ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.

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 2022-01-05
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
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:
On XX/XX/XXXX, I received an email from XXXX stating that I had a new hard inquiry on my credit report. Soon after, I received the same alerts from other credit bureaus, credit karma, bank, and credit card accounts. I looked into the alert and saw that I had a hard inquiry from Pentagon Federal Credit Union " PENTAGON FEDERAL CR UN recently checked your Experian credit file for an installment loan or new bank account. '' I then attempted to contact XXXX and Pentagon Federal on XX/XX/XXXX. XXXX was closed for the XXXX XXXX holiday and Pentagon Federal never answered ( I tried the number provided by the creditor, listed on XXXX ). 

On XX/XX/XXXX, I tried to dispute the inquiry via XXXX online but was informed I needed to call. 

Today, XX/XX/XXXX, I contacted XXXX and had the first representative place a Fraud Alert on my account to ensure that I am contacted if someone tries to obtain my credit report. I also filed a dispute with XXXX, over the phone, and they said I should see it removed from my account in the next XXXX hours. They then informed me that I should contact local police to file a report and submit a complaint through the government. Then, they said I need to upload proof that I had submitted complaints and tried to contact the creditor, Pentagon Federal. After I talked with XXXX, I tried Pentagon Federal at XXXX different phones numbers ( XXXX, XXXX, XXXX - no answers or machines to leave messages ), via chat bot ( not a human so wasn't understanding my request ), and submitted a message via their Contact Us page ( have not heard back yet ). Then, I called my local police department to ask how to file a report and they instructed that I should come in and bring any documentation I have ( I am planning on doing this still ).

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 2020-12-02
Company: Experian Information Solutions Inc.
State: VA
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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
on XX/XX/17 I sent letters to XXXX, transunion and XXXX requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.

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 2020-11-16
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report 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