BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
After Not being able to pay my bills due to employment termination i contacted discover several times. To make them aware that i am no longer working and i needed minimum payments they never responded. in the past they sent me {$100.00} to pay towards my discover bill which was kind of them however now i am working full time on XX/XX/XXXX i made my first payment of {$410.00} to catch up on my payments, On XX/XX/XXXX i made my second payment of {$140.00} and i noticed nothing changed as far as my available credit. i made a payment of {$25.00} on XX/XX/XXXX and another payment of {$110.00} on XX/XX/XXXX. and still my credit line keeps decreasing. so i called discover and the young lady told me that my credit line keeps decreasing because i am being charged interest. i explained to her that makes no sense because i am pretty much paying my bill to pay interest and she said yes that is correct. i explained to her i do not have this issue on any of my credit cards and she asked was there a balance and i stated yes there is a balance and i do not get charged interest. even when paying my bill with you all in the past there has been no interest charges of this significance. and that this must be some type of scam. she was not able to provide me with any information and this is absurd. i know credit cards have fees but not of this significance. and they offer no solution to help you. i am being charged {$110.00} for interest and my minimum balance due is XXXX what a way to scam a customer and then she tells me that is how we make our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX I was charged three times for the same pair of shoes at XXXX XXXX. The card machine kept saying transaction not completed which is why I ended up swiping my card three times. One credit and two debit. I disputed the transactions as soon as I found out the purchases actually went through. I contacted netspend with XXXX XXXX  payment center on a conference call. The merchant notified netspend that none of the three transactions went through and that they were all declined. They even sent documentation to netspend that those transactions were declined. I was refunded {$110.00} for the credit swipe first since the transaction hadnt posted and a couple months later another {$110.00} for one of the debited transactions. However there is still one debited  transaction of {$110.00} that hasnt been refunded theyre saying they found no error in that transaction and I wont be refunded despite the talk, documentation, and letter they received from XXXX XXXX. Its been about four months now and I still dont have 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 2021-08-23
Company: EQUIFAX, INC.
State: PA
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:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Chime Financial Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My refund was directed by from IRS on XX/XX/XXXXtg they frozen my account for fraud on XX/XX/XXXX I received email on what to do I did that gave all NEEDED proof it's my money from IRS using a tax transcript and still refusing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAC FINANCIAL CORP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance

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 2020-12-04
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX. I have a current FHA loan with Amerihome mortgage ( the mortgage company ) loan number XXXX. Do to the Pandemic of Covid-19 I applied for a forbearance in XX/XX/XXXX. I was told that I was approved by the mortgage company and was allowed three months. I called the Mortgage company because I wanted to get a better understanding of how the process of a forbearance works. I was told by the representative that once my three months are up my payments will be sent to the back of my loan, which is called a partial payment plain. 
In XX/XX/XXXX I started receiving calls from the mortgage company stating that i was 30 days late on my mortgage. I spoke to many representatives of the company and i was told that it was an auto dialer and they can not stop the calls. I was told not to worry because they are aware of my forbearance and nothing will happen to my mortgage. On XX/XX/2020 I received a Promissory Note in the mail from the mortgage company stating that i have to pay {$13000.00} to them. I called them and i was told that i needed to notarized the documentation i received and sent back via fax, or mail, so they can start the process of my Partial Claim Mortgage. I thought i was already approved so I was very confused. I still notarized the documentation and faxed to the mortgage company on XX/XX/2020. I called the mortgage company on XX/XX/2020 to verify that they have in fact received the Noticed Promissory Note. I was told by there representative that they are working on my loan and I was approved for the Partial Claim Mortgage and they DID receive my fax however they are back up do to Covid-19 and they will get back to me. 
The phone calls from the mortgage company did not stop I was always in communication with them. On XX/XX/2020 i received a phone call from the mortgage company but i was told that i am in jeopardy of losing my home. I was told by the representative that they never received my promissory note. Next day I overnighted by certified mail the documentation to the mortgage company. I waited a week before calling them to verify receipt of my documentation. When i did call them the representative told me that they get the paperwork however the paperwork was sent late therefore i was denied the Partial Claim Mortgage. However, the representative told me that I will get other package in the mail within 7 to 10 business days. I have called the mortgage company everyday since, and still no package have come in the mail from. Today is XX/XX/2020 and I haven't received any documentation or package from the mortgage company. But everyday I get a phone call from them stating i am late. The mortgage company is now refusing to take any of my payments. 
At this point I don't know what to do. i believe allot of my rights have been violated. My credit scored has been effected. And i am in fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is against LoanDepot with whom, I refinanced my loan in the month of XX/XX/XXXX. 
XX/XX/XXXX - I received a notice in my mailbox from my county claiming that I am overdue on my property taxes which was supposed to be paid by XX/XX/XXXX. Due to this an amount of {$230.00} was added as interest and penalties to the due amount. 

XX/XX/XXXX - I tried reaching by phone multiple times but continues to stay on a long hold. I tried chat with loan depot customer service and the agent told me to send an email with a copy of the notice. I promptly send a mail marked Urgent with a copy of the notice. No response from LoanDepot by end of day. 

XX/XX/XXXX - I tried reaching out to loan depot again but was unsuccessful. No response on my email as well. 

XX/XX/XXXX - I again tried reaching by phone and left a message to call me back. I tried to chat with a customer service agent which after multiple attempts went through. The agent told me to reach out to my closing agent as this should have been taken care of during closing. I sent out an email to my loan officer and loan processor to investigate why this happened. No responses from anyone by end of day. 

XX/XX/XXXX - I finally get a call back from LoanDepot. The response was that, during my closing in XX/XX/XXXX, loan depot had the wrong due date ( XX/XX/XXXX ) as the next due date for paying taxes ( Attached their documentation ). The actual due date was supposed to be XX/XX/XXXX. If they had the correct due date they would have had the property taxes collected from me during closing and paid off on time. LoanDepot tried to pass the blame to the county saying that they " may '' have had this wrong date from the county. I reached out to the county and they clarified that this definitely does not happen. One of my friends also refinanced with LoanDepot at the same time as me. He did not face any issue with his property taxes being missed. How is that loan depot got a wrong due date and missed to pay my taxes on time and I am being held liable for penalties and interest. The person was not clearly trying to own up the mistake and refused to reimburse me the interest and penalties accrued on my account. 

Attached - Copy of notice, Tax information letter with wrong due date used by loan depot to assess my closing cost , county tax statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-11
Company: Navient Solutions, LLC.
State: SC
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 had my loans sold to Navient when starting school back in XX/XX/2010. Since then, there has been no assistance with help to make reasonable payment options. Even when you're told you are placed in deferment for school, they place a Forbearance on your account and charge you huge amounts of interest, that negatively affect your credit for the worse. Just recently, I became XXXX and was placed on XXXX XXXX. I could no longer work. I called customer service with help for my options. I was not offered a deferment, when in fact I still have deferment time left ... ... Instead they placed a Forbearance on my account, charged me interest through the roof. Took weeks to email the information I requested about an income repayment, and then my score dropped by 155 points. I feel as though Navient, bullies students into more money. They do no address your issues no help you, it's a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: IA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I made a payment of {$2000.00} through online banking with XXXX XXXX XXXX XXXX to pay our mortgage for XXXX and XXXX. I inadvertently selected the wrong biller on our online payments. Our current mortgage holder is XXXX XXXX. Several years ago, we had our mortgage through Nationwide Advantage Mortgage. I inadvertently sent the {$2000.00} to Nationwide Advantage Mortgage instead of XXXX. 

I realized my error when we received a notification in early XXXX from XXXX that our mortgage was more than 30 days past due. I checked my account and noticed I had sent the payment to the wrong company. I contacted Nationwide Advantage Mortgage through every phone number I could find. Their automated phone system does not allow you to speak to a human without putting in an account number or social security number. I do not  know what account number the payment was sent to, and XXXX XXXX XXXX XXXX was unable to tell me. I tried pressing zero, saying operator, waiting it out -- nothing could get me through to an actual human. 

When contacting Nationwide failed, I contacted XXXX XXXX XXXX XXXX. The person I spoke with said that Nationwide had accepted the  payment. But she said XXXX XXXX XXXX XXXX would open a dispute and that we would have the money back in our account in ten days. I was so relieved. Several days later, we received a letter in the mail that our claim was denied. When I called to inquire, I was told that they denied the claim because I had authorized the payment. I never disputed that I had authorized the payment, but it was done in error and paid to a company where we do not have a mortgage. XXXX XXXX XXXX XXXX told me there was nothing further they would do and suggested I contact Nationwide ( which of course I can not do because I don't have an account number ). I asked again if they could tell me the account number they sent the payment to, and they said no. 

With no other options available to me to retrieve the {$2000.00} that Nationwide essentially is keeping fraudulently, I am filing this complaint.

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 2022-01-07
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: Their investigation did not fix an error on your report

Complaint:
I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXXXXXX XXXX  # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXXXXXX XXXX XXXX  XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX,, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

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 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 CA EDD deposited {$720.00} to my prepaid card and on the same day the money was withdrawn from an ATM in the city of XXXX, XXXX XXXX. That afternoon I called Bank Of America Prepaid Card, ( XXXX ) XXXX, and notified them of this fraud. I was told that a claim would be started ( XX/XX/21 ). The claim number that I was given is XXXX. I was advised that it would take about 10 to 12 day to be process. I was also ask to process a report with the police which I did the next day ( report number : XXXX ). I called the Bank Of America Prepaid Card ( XXXX ) XXXX on XX/XX/21 to let them know that I have the police report and that I was going to fax it over but I was told that my claim was closed and that they could not take any more information from me. I have called several time after that day and I was told that they would be sending an email to the " back '' so they can open the case again. I am not sure exactly what she meant by the " back '' but that was what I was told. I was also told several times by an agent that they are not responsible for the prepaid card.

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 2017-12-07
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX made initial contact on XX/XX/XXXX left a message, I returned call she threatened me with wage garnishing, jail, and quoted an outrageous amount owed of some crazy amount from XX/XX/XXXX. I never owed that on any credit card in my life. I had my card stolen and the charges were taken off is the last thing I remember about that card. this is a scam and they are trying scare tactics and calling my office and threatening to garnish my wages with no proof of the debt. when asked for proof of this debt he changed the subject. I am reporting this because it reminds me of the irs calls I was and still am getting threatening me with going to jail and levying my bank account, etc. I am very upset and would like some help with this matter. thank you

Company response to consumer: Closed with explanation