BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-03
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
had a mortgage with XXXX starting in XX/XX/XXXX mortgage was an ajustable rate that was sold transferred and according to mortgage scam of XX/XX/XXXX XXXX along several other mortgage lenders were bailed out and were to help borrowers out but never offered borrowers anything except sell from one mortgage company to another .imy mortgage fell under what was called predatory lending .after 9 years of foreclosure threats. my property went up for sale XX/XX/XXXX by caliber home mortgage and was sold for me to stop sale i had to file a chapter XXXX bankruptcy. this case should have never gone to superior court as it was scheduled to be heard again in clerk of court but as usual attorneys for mortgage lender did not appear for hearing 2 days later i recieve notice from attorney for mortgage company case would be heard in superior court under judge XXXX XXXX in that court it was ruled that the sale be allowed .i feel that this was a case where improper illegal situation happened being that every time for the pass 8 yrs clerk of court always stated that attorney for mortgage lender did not have all paper work needed .this is why i am filing this complaint i have documentation that show false information and the documents were forged .so this is why i am asking cfpb to help me stop any action for sale of my property.i would like to be heard in a court of law with a jury how the mortgage lender an attorney and judge worked together to forge documents cheat and swindle home owners out of there property .i also know that these individuals have very powerful connections threw out the world so going forth with this action could possibly put my life and families life in jeopardy so i am asking for help please i need help .yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Netspend Corporation
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deceptive Practices regarding receiving my direct deposit payroll on my prepaid debit cards My direct deposit 's always post to my accounts every two weeks on a Friday per my alerts from netspend. I have a copy of my job payroll disbursement schedule. My pay was released on XX/XX/XXXX, everyone in my office received their pay on Saturday, XX/XX/XXXX.

Netspend is supposed to give consumers immediate access to their money, ppayroll direct deposit 's once it enter into your accounts. 
NetSpend Corporation promised consumers immediate access to their funds with no holds, no waiting, representations deceptive. 

Immediate access? Not so fast, alleges the FTC. NetSpends ads were replete with claims like No Waiting! and Use your card immediately.

The upshot? People who loaded funds onto NetSpend cards often had to wait and wait and wait to access their own hard-earned money. The FTC says those delays resulted in severe financial hardship to consumers, including evictions, repossessed cars, and late fees on bills. 

NetSpends business practices were at odds with its marketing claims. cards, failed to live up to that promise. Netspend use XXXX to deposit funds into customers accounts. I 've called Netspend 5 times already, XX/XX/XXXX. 

I attached my employer payroll disbursement schedule.

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 2018-03-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I just purchased a car through XXXX XXXX. One requirement in order to obtain the deal I received was that I could not put any money down and had to finance through XXXX XXXX in order to get the dealer offer. This meant a high interest rate of 5.62 % but I paid XXXX less than if I chose to get my own financing outside of the Nissan offer as the rebates would no longer apply. I was told I have to keep the loan for 4 months and then could refinance the loan with my lender of choice. I do not have any bills which require a check be mailed and I saw the pay by phone and online options. I decided to make my first payment by phone and wanted to pay a larger amount of {$4000.00} to begin paying it off faster. I was told their was a {$5.00} fee for this which is common and not unexpected. I was informed that I could only pay {$2000.00} and if I wanted to pay more, would have to call back and would be charged another fee. I feel this is unacceptable because unless I set up automatic payments online I would also be charged for online payments. also on my statement, I only see my balance and minimum payment. I do not see the interest that was charged for the billing statement. I like to verify that I am being charged properly and my statement gives me very little information. I will be refinancing as soon as I am able to not be charged yet another fee for early termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX authorized a fraudulent transaction of {$700.00} made by Capital One using the bank routing number and my account number from a phone call payment to them. Neither company had verifications in place and will not review this case despite the fact I do not have an account with Captail One. This  type of theft is too easy as it is on everyone 's personal checks. 
XXXX has also cited a 60 day rule that they can't do anything however federal law 1005.11 cites 60 days after statement is sent ( I would reasonably expect my XXXX statement in XXXX ) that would not be 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
State: CA
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:
My XXXX account alerted me that CBNA open new account. 
The date stated the account was opened XX/XX/18 but I just received the alert today XX/XX/18 I havent contacted the company because Ive read a lot of the reviews that they make a lot of mistakes an errors on there behalf so I came straight to CFPB to handle the issue.

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 2019-08-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I obtained my credit file feom all 3 ctedit reporting agencies and found 3 different accounts being listed syncb.

1 was for a paypal mastercard and 2 accounts for a Walmart credit cards. None of which are mine. I wrote a certifed letter aking them for verification or removal. I sent this certified on XX/XX/2019 and the recieved it and it was signed for. I got a response for 1 of these stating i need to close my account and to report it. Its not my account. They even spelled my name wrong. I have never had a paypal credit card through any company nor even 1 walmart credit card. These are not mine.

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 2019-04-02
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any written notification to dispute the validity of this debt and this company violated the fair credit reporting act by not allowing me the opportunity to dispute the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: ORG GC GP Buyer, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to GC Services main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
A wells fargo banker ( XXXX ) at the XXXX, VA officer called me a criminal for post dating a check. 
I wrote the check with a future date because I would be out of town on the first of the month and asked a friend to mail the check a day or two before the due date so it would arrive on, or maybe a day after, the due date. My friend instead walked the check into the bank on the XXXX, which refused to accept it because of the post date. My friend brought the check back on the first, which was then accepted. I later discovered it is a bank policy to not accept a post dated check, which I accept despite the fact Wells Fargo central payment facilities routinely accept post dated checks all the time ( Wells Fargo words, not mine ). What I DO NOT accept is during a visit to the branch a banker ( XXXX ) stated repeatedly it is, " against the law to post date a check '', and even said, " that's the first thing you learn in banking school ''. I find it hard to believe 'that 's the first thing you learn in banking school ' because : 1- It is NOT illegal to post date a check, and 2- a bank 's branch policy does not make law. Repeatedly insisting I was engaging in criminal, illegal behavior by post dating a check is the same as calling me a criminal. A few weeks later when revisiting the situation with the branch manager, who was also present during the earlier encounter, the manager denied the banker ever said those words. Eventually the manager 'remembered ' those words being directed towards me and offered an insincere apology.

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 2019-04-02
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Collections XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company contacted me through mail on behalf of XXXX XXXX XXXX and stated that I owed total amount due XXXX. 

I sent Southwest Credit a dispute letter on XX/XX/2019 to have this item removed from their data base and deleted as it relates to me, as I did not assertain this account or benefit from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I C Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding 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 2019-04-02
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX is withholding consumers bank account and routing numbers for XXXX and XXXX persons receiving SSA. After even speaking to a Supervisor to try and get access to my account or change my direct deposit to another bank. They refused to provide that information to try and make it impossible to change my funds to a different and Legal institution. They have the worst customer service and are committing financial fruad. This company should be shut down and sued for it's illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Premier Student Loan Center
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, This took place about a year and a half ago with a company called Premier Student Loan Center. 

Premier Student Loan Center withdrew three payments of {$290.00} from my bank account. The first withdraw was XXXX XXXX, 2016, the next was XXXX XXXX, 2016, and the final withdraw was XXXX XXXX, 2016. I did not receive the services I was promised. I was told by the first Premier Student Loan Center agent I spoke with, that my total loan payoff amount would go down {$4000.00}, from XXXX to {$8500.00}, and that I would have a {$30.00} a month student loan payment that would go toward paying off my {$8500.00} student loan. As it turns out, none of this was true. My student loan has not gone down any, and the {$30.00} was to go to Premier Student Loan Center every month to do nothing. Loan consolidation is a free service, which they proceeded to do for me one time and then once a year they would renew my repayment plan which is a free service as well. Furthermore, they lied to the new student loan agency they hooked me up with ( XXXX XXXX, I was originally with XXXX ), and said I had XXXX children and whatever else they had to say so that I would have a XXXX balance on my loan repayment and my {$30.00} a month would keep going to Premier Student Loan Center. 

Once I figured out what was going on I wanted a full refund. I talked to a supervisor at Premier Student Loan Center and another agent. I also got my bank involved and brought their fraud department up to date. I was able to get {$600.00} of the {$900.00} they charged for services not rendered as well as a refund on the first $ XXXX monthly charge they withdrew from my account. I closed my account with Premier Student Loan Center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: AR
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:
In XX/XX/2018 I disputed a account with all three credit bureau, Experian, XXXX  and XXXX. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS 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 2019-04-02
Company: Experian Information Solutions Inc.
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:
The lady at the front desk assured me that their institution was inside my insurance network and that there would be XXXX copay but 6 months after my hospital visit I received a bill for {$1200.00}. My lawyer contacted their facility to dispute the Copay charges because the lady at the front desk knowingly gave me false information in order to retain me as a client they agreed to settle and remove these charges. I am writing to have this information removed from my credit because it is hurting my credit score and affecting me getting a job and other financial products.

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 2018-10-15
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
My FICO score dropped significantly due to unpaid debt to a Gap credit card. The Gap Credit card debt was true, but I want to explain why I made the mistake.

I opened the gap store card when I bought Gap clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX/XXXX had a wrong address on my profile. XXXX XXXX   showedmy original address isXXXX XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the Gap credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( 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 non-monetary relief
Consumer complaint received 2018-03-26
Company: AMCOL Systems, 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: Old information reappears or never goes away

Complaint:
AMCOL SYSTEMS, INC sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still AMCOL SYSTEMS, INC accounts on my credit report with XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation