BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
i made a payment 4 days before my car payment due date and rushcard has not sent my funds. I called to see whats going on and they stated no one can make online payment. I have more then enough funds and i asked to talk to a manager i was put on hold for XXXX min.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: AK
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
I deposited money in Rush card. Made one purchase and then my account went to zero and I ca n't get ahold of anyone at customer service that can do anything about it. They continue to say they will be correcting the problem but it 's been 11days and my money and access to it are still denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: Navient Solutions, LLC.
State: FL
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:
Last year XXXX I called to ask about receiving XXXX papers. As I am and submitted everything to them. Been XXXX since XXXX all during school and I'm still XXXX. We'll to my surprise I was denied. Discharge. I feel I was not given the correct response. Something must have went wrong somewhere. I feel I have been treated unfairly, because I'm a minority. I do not have the energy to go back and gather all that information I submitted again. And I do not wish to. It's sad that the one 's who deserve the help get denied the help. I reside in FLORIDA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: BB&T CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/19 received letter in mail regarding denial of car loan due to credit score Called number listed Was asked to give my social Told there was no information and to call the dealer. 
Company was regional acceptance cooperation

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 2018-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on Capital One, NA Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. There is no balance reported on my XXXX report. This is violations of both FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owed XXXX almost 22, 000, on a private student loan. 
First they taped up a summons stating that I was getting sued on my neighbors door, not mine. My neighbors now know my business. 
I received notarized mail from someone with a fraudulent name. " XXXX XXXX '' attempting to collect money by this collection agency. 

Lastly, I spoke to a representative that worked out a repayment agreement of me putting down {$1200.00} and to making monthly payments of {$240.00} until XXXX, XXXX is paid off. 
They sent me triplicate contracts stating that I will pay the full amount of the loan ( XXXX ) with monthly payments of {$240.00}. This isn't what I discussed with them. When I questioned them as to why the contractual agreement sent to me didn't state the specifics of the repay agreement I made them on the phone. The collection worker just kept questioning me as to why I wouldn't sign the form and that they would get another department involved. 
I have called this persons supervisor three times over the last three days and she has yet to get back to me to answer my questions. 
I feel that the Foster & Garbus LLP made a verbal agreement on the phone and now are purposely sending me forms with whole amount to be paid with no mention of the amound we agreed I would pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: BBVA FINANCIAL CORPORATION
State: CO
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:
I have been trying to deal with this since XX/XX/XXXX, but this still hasn't been fixed. I set up an automatic payment in XX/XX/XXXX, which was never set up until XX/XX/XXXX. After setting up the autopay in XX/XX/XXXX via email, I assumed that would take care of minimum payments. However, it wasn't set up as promised, and I was charged a late fee because of their inability to set up this automatic payment. They waived this fee in XX/XX/XXXX. Then I was told that the automatic payment would go through. And guess what, it didn't again. So I missed the next payment too, and I was charged another 2 late fees even after multiple calls. During all these calls, I was told that the late fees would be waived, but they still weren't, nor were the automatic payments set up. Then finally the automatic payment was set up on XX/XX/XXXX, but I was still waiting on the refund of the 2 late fees. One was refunded, but the second wasn't. When I called back, I was told that they couldn't refund it, even though on the previous call they did tell me they would. Not only that, but they have been charging me interest on the late fees which they have not refunded. After talking to them for half an hour today they finally told me they will not be refunding the late fees, even though it was due to their fault that even after setting it up in XX/XX/XXXX and following up with multiple phone calls totalling to many hours of time, this was still not resolved. I feel that this is utterly unprofessional and I should be refunded the late fees since it was their inability to set up a simple thing like autopay that caused this whole mess in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield is attempting to collect a misrepresented amount. They are trying to collect interest, fees and other charges on top of the amount that was originally owed. This debt is a joint debt. I sent Hunter Warfield a letter in which the XXXX XXXX leasing office signed paperwork for me to move out to a different apartment. I disputed this charge and sent XXXX XXXX a 30-day demand letter to which I never received a response. This letter was emailed and sent certified mail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I have a lot of Medical bills on all XXXX of my credit report that do n't belong and i have been trying since last year to have them remove plus other fraudulent stuff that has been removed and put back on my credit i do n't know what else to do so i am going to download all the information i have!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently there was a {$3000.00} medical debt added to my Equifax Report. I have no idea what this is and I believe it is a result of identity theft. I have been having these issue for some years now. I dont not owe XXXX Hospital/XXXX XXXX {$3000.00} collection as I dont not or have not attended there. I have disputed this with them as well and it's being investigated. They have no record of my authorization, medical records, cards etc just a name no Identification etc. XXXX  has already investigated and determined that it did not in fact belong to me and has had it removed from my report. This has affected.my Equifax Report substantially in a negative way. Please have this item removed from my report as soon as possible as it has hindered me from being able to obtain credit for a new car purchase. I have Reached out to Equifax several times with no regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Company was charging excessive fees reported them to the CF already. They responded with the letter stating that nearly one-third of the fees we're just and then refunded an amount of money that was not equal to 2/3 of the total fees. Total fees in excess of {$3000.00} amount refunded XXXX that leaves a balance of {$600.00} and {$0.00} that they still owe me according to their letter if one third is just then 2/3 was charged incorrectly. I'm asking for the remaining amount of {$600.00} be refunded to my account according to the letter from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Mortgage has applied illegally insurance to my escrow account which has obligated me to pay twice for the same risk and coverage. This is illegal. I have contacted them several times and They only answer with no technical explanation. I have provided insurance for the structure of the building were my unit is built and they referred to that insurance as a blanket which is not. This insurance covered the unit as stated in the certificates I have sent since I own that unit.Condiominium policies have specific ISO form the Insurance Service Office which it is not remotely what Rushmore Mortgage intend to portrait. They are requesting an HO6 form which esentially is, content of the unit coverage which for a 800 sqf unit is no more than {$10000.00}. They illegally charged me for insurance for the same value of the loan. Insurance is for the replacement cost value as I have explained them several times. In this case the unit has full coverage of the structures and evrything under a special form insurance which they can obrtain from ISO but They believe that they can do this to offset his own blanket policy which basically is an insurance for their business. CFPB needs to act in this complain because it is damaging many middle class homeowners increasing their monthly payments and creating another recession which at the end of the day damage middle class since the investor receive a bail out which would be also charged to the middle class taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I have transferred some funds to COINBASE AND XXXX to purchase Bitcoins and Ethereum over 5 weeks ago.

Due to some computer XXXX  ( according to COINBASE ) my account was flagged and as a result My account was frozen with all my Coins in the account.

I have contacted them NUMEROUS Times Via E-mail and Phone calls and all I'm getting is that a specialist will be in touch with me to resolve my issues and unfreeze my account.

I have been patiently waiting for them to address my issue, but so far I have not been able to get a hold of anybody that can resolve this situation.

Meanwhile, I have missed several opportunities to make profitable investments, and also I can not withdraw my coins or Money to transfer to a different exchange.

Please help me resolve this issue as ( being a Single mom with single income ) I can not afford to have money stock in a frozen account for absolutely no Legit reason.

Thank you so much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used to have credit card with XXXX XXXX XXXX.but the interest was very hight and I filed for bankrupt, but they said their dept was not included, I started to pay them, but any time I made a payment, the amount did not reduce, I called them they said the money goes to the interest. Then I stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: GA
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'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Servis One, Inc., Titusville, PA Branch
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:
XXXX XXXX reported wrong information to XXXX credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to XXXX  and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a promotion from American Express for XXXX Membership Rewards points for spending {$4000.00} in 90 days. I completed the criteria for the promotion, the XXXX points posted in my account but they are frozen and I am unable to use them. I called to make them aware and they said it would be under review for XXXX8 weeks ( would not explain why ). I called back again after 8 weeks and they said it would still be a longer period of time that they 're under review. The points are sitting in my account but for some reason I 'm unable to use them, they still will not tell me why. I am trying to book a flight for XXXX and use these points. I 've spent countless hours waiting on hold for supervisors and explanations and have not gotten anything of substance. This is my last resort

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: PA
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:
The issue I take is with the company Experian.

I have filed 4 disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about an account that is not mine. I have called the credit card company that the account with my name is under ... They have no record of me as a customer. I have filed 4 reports all to get this incorrect card/info removed from my credit report and 4 times now Experian has not removed the incorrect information.

Furthermore, I tried calling Experian directly but they're phone service does not accept my SSN or any button inputs. Have tried from numerous phones and encounter the same problem.

Absolutely abhorrent service and 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 2019-03-28
Company: Experian Information Solutions Inc.
State: DC
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:
Experian is stating they have confirmed information to be accurate from a collection agency which just popped up on my credit report the other day. I did a dispute with the three reporting agency it was reported to. XXXX and XXXX   removed it immediately after investigating. During the Experian investigation I explained I had not made the charge or ever been to the hospital or received any products or services from that hospital that the collection agency stated the past due charge could have came from. The erroneous charge came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2018-08-03
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Subbmitted a fund transfer request on XX/XX/XXXX, got email confirmation on XX/XX/XXXX, my family contacted the bank but never got funds. contacted the company who asked me to cancel the reuest due to exchange rates changes. 

order # Order No. : XXXX Order No. : XXXX Operator : XXXX XXXX  BANK ACCOUNT : XXXX Transaction Date : XX/XX/XXXX XXXX XXXX Track your Order at XXXX  Date Available : XX/XX/XXXX ( May be available sooner ) SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX - United States Ph:XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX - XXXX Ph : XXXX XXXX XXXX XXXX XXXX XXXX PIN No. XXXX Transfer Amount XXXX   USD Exchange Rate {$1.00} USD = XXXX PKR Transfer Fees XXXX USD Transfer Amount XXXX PKR Transfer Taxes XXXX XXXX Other Fees XXXX PKR Total XXXX USD Total to Recipient XXXX PKR

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 2018-03-12
Company: Capio Partners, LLC
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 status incorrect

Complaint:
a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Ive been disputing a late payment that I paid with Santander bank, they told me at first it was a teller error and they now have me down for a 30 day late thats effecting my credit. They say there going to call me and they dont, ive had them hang up on me, tell me there is no one else I can speak to in a higher position. Now as a result of this my credit has taken been dropped significantly.

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 2019-03-28
Company: The CBE Group, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls from about 7 different area code XXXX phone numbers. The company is CBE Group which internet says is a debt collection agency. I just ran my credit report and the 3 services show no outstanding debts. I have asked them to stop. They won't tell me why they are calling me repeatedly, all hours day and night. 

Here are their phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation