BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance is making it impossible to change escrow payments to myself. They want the request in " writing ''. And also they want a proof that I paid insurance and taxes when they have been paying them from the beginning as the escrow is currently in place. Please help cancel the escrow payments by my mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Account Discovery Systems, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX is the worst company you could ever in the world, they will steal your information and use it elsewhere. They sent me a card that can not be used, they took my money, & told me there is nothing they can do. Their customer service representative loves arguing with you and telling you wrong leaving you feeling like youre wrong & youre not a customer. I wouldnt recommend this company. Definitely apply for XXXX XXXX they have lovely representative.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-02
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I believe someone has stolen my identity and opened a Checking and Savings account in my name using SunTrust bank. I moved to XXXX, XXXX on XX/XX/2020 and noticed as soon as I arrived that someone had access to my personal checking account through XXXX XXXX XXXX and was trying to get money out of a SunTrust ATM in XXXX using my account information. They successfully made two transactions but were denied for the other transactions they tried to process. Once my bank account was placed on hold, I went to the bank and filed for fraud for those ATM transactions, which was then resolved by XXXX XXXX XXXX Fraud department and SunTrust bank. I hadn't heard anything since the resolution and have been checking my accounts frequently for anymore suspicious activity. 

Since my move, I have changed my mailing address and I had my mail sent from my parent 's house in XXXX to my new apartment in XXXX on XX/XX/2020 at which time I had a couple of pieces of mail from SunTrust bank regarding " my account '' which included a debit card, pin information, and overdrawn balance forms and fees. The checking and savings account at SunTrust was originally opened on XX/XX/2020 and was closed on XX/XX/2020 with a {$170.00} balance due. 

I have since filed a police report through XXXX XXXX Police Department in the Fraud division, filed a fraud report through SunTrust bank, and am working on getting my social security account and number figured out because there could be more of my identity other than my financial information that has been compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2023-03-16
Company: Loan Science, LLC
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Climb credit had me to sign up for a student loan for XXXX school classes. However I could not do it because I dont have a GED, I received no books, took no classes or received any money. When I call I get the runaround. They cant even give me the name or location of said school. So I CANT contact them! But t receive statements in the mail. When I called they said they couldnt help me that I had to call climb. And they tell me I have to call the collection dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
COMPLAINT ID XXXX This is a partial continuation of the above complaint against BBVA. My main concern is that no one at the bank is able to provide any help or clarity regarding my ongoing issue ( s ). I had a representative from BBVA reach out after XXXX, ( who is my case manager for complaint XXXX of CFPB ) got a hold of them for my first complaint regarding the bank error missed payment fiasco. This BBVA representative told me the check would be mailed as it was the banks error, and that portion of my complaint was resolved. This BBVA representative also informed me that because my card accounts ( both of my credit cards ) were closed due to this bank error that she would assist in reopening my card accounts. I received a letter in the mail dated XX/XX/2021 that effective immediate my credit card accounts would be reopened ( I have attached this letter ). However one of my card accounts is still " closed '' and the other is still " blocked ''. 

I have called BBVA everyday since receiving the letter and all departments and all representatives tell me they have NO IDEA what is going and they are unable to help me. They transfer me to general help, fraud department, and recovery departments. None of these people know what's going on with my accounts and therefore can not reinstate/reactivate/ or mail me new cards. I have attached screenshots of my phone calls with the banks and the long hours I have spent dealing with their representatives that can not and do not help me. 

The initial bank representative that reached out to me gave me a call back number of : XXXX but no one answers in calling back and I do not have a representative 's email or case manager. 

All I want to do is be able to use the credit cards that I opened, their numbers are as follows : XXXX & XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello my name is XXXX XXXX I opened an American Express card back in XXXX of XXXX with a starting balance of {$6000.00}. In XXXX of XXXX my credit limit increased to {$12000.00}. When I called in to add a AU American Express offered me the gold card on XX/XX/XXXX. I added my brother and sister to my gold card when American Express opened the gold card. I was using the card and every time I used the card, American Express would block it. By them blocking the card that resulted in me paying the balance on the card every time we used it. American Express still blocked the card. On XX/XX/XXXX I received a email from XXXX XXXX, phone number XXXX Extension : XXXX, asking for form 4506-C. Me and my family submitted it over right away. 
Me and my family income is over {$90000.00}. They emailed me back and told me they just wanted my tax transcripts, which I sent it right over. I received an email from American Express stating they were closing my accounts, both of them. No explanation as of why they were closing them. I stocks and brokerage accounts, I just started a new business in XXXX and I make well over {$60000.00} and not once did they ask to review my bank statements or anything but as I go online and read the reviews I see where other American Express customers were able to submit it their bank records instead of their tax records for the financial reviews and had their accounts reopen. I feel like this whole situation is absurd and I feel like Im being discriminated. How is it that Im not able to prove that Im financially responsible for these cards by showing bank records but other people are? I have never been late on any of my cards, they have never been over the limit and with the new card the balance was paid every time I spent something, so how was subjected to a financial review? Then to have my cards closed with no explanation is crazy!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NY
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 have been having such a hard time trying to deal with Experian and XXXX in removing these fraudulent accounts. I am a victim of Identity theft and fraudulent accounts were opened without my knowledge or consent. I tried working with the bureaus directly but they have not been helpful at all.

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: ARVEST BANK GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, Arvest Central Mortgage, claims in its most recent statement that I owe {$4400.00} in " XXXX XXXX XXXXt - XXXX XXXX  '' taxes. After speaking with multiple people at Arvest without a resolution, I am filing this complaint. 

I contest that I do not owe these taxes, or a small fraction of them if anything. After speaking with the first Arvest Central Mortgage representative, I called the XXXX XXXX Tax Commissioner who said that I did not owe any XXXX  taxes in XXXX, and that there were no XXXX  tax bills for XXXX ( Arvest claims that the estimated {$4400.00} bill is for XXXX ). 

Looking at all the available XXXX  tax bills for the other units in my condo building, only two appear : parcel numbers XXXX and XXXX. Both owners of these parcels are XXXX XXXX XXXX XXXX XXXX XXXX. NEITHER is me. When you total both XXXX XXXX  tax bills for these two parcels, which again NEITHER ARE MINE, the total is {$4300.00}. Approximately what Arvest is claiming I owe in XXXX  taxes, when I am NOT the owner of these parcels. 

Since my unit is a single condo unit ( # XXXX XXXX in a large complex with both condo owners and renters from XXXX XXXX XXXX XXXX XXXX XXXX, I suspect Arvest has negligently applied the taxes that XXXX XXXX XXXX XXXX XXXX XXXX owes for the master parcel to me. This is grossly negligent, illegal, and predatory. 

As further proof that I owe going forward no, or perhaps very little in taxes, I have attached a photo from my closing documents showing that the prorated XXXX  fees from XX/XX/XXXX until XX/XX/XXXX were XXXX. I believe under the XXXX agreement XXXX XXXX XXXX XXXX XXXX XXXX is paying all such taxes, but if not, I clearly do not owe {$4400.00}. To assume so, as again Arvest has negligently done, my XXXX  taxes would have gone up XXXX IN XXXX YEAR. 

Frankly this error should have never occurred as I own neither parcel number that the XXXX  taxes were attributed to. Also since I received no XXXX  tax bill for XXXX why would Arvest have assumed my tax bill would be {$4300.00} in XXXX? 

It is also worth noting that this tax was " discovered '' by Arvest after I filed a complaint with the CFPB a few days prior in late XXXX. I was correct in that complaint that Arvest illegally and wrongly charged me and many other individuals an erroneous " fax fee ''. I believe Arvest 's repeated pattern in a matter of 10 days of consistent and egregious errors in regards to my account should cause the CFPB to closely investigate Arvest 's practices. It also unfortunately makes me wonder whether or not Arvest illegally tried to take revenge on me by filing the previous complaint by wrongly claiming that I owe the {$4300.00} in XXXX  taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: First Technology Federal Credit Union
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for my account on XX/XX/XXXX and was approved on XX/XX/XXXX, but then was immediately locked out of my account. I had opened the account under a promotion that gave a {$200.00} bonus after having 3 direct deposit in 4 months, but the first must be within 60 days. I called and emailed, but all they could tell me was that my account was " under review '' and that it could take 60 days. I eventually received access on XX/XX/XXXX and was able to begin normal banking. When I asked about my bonus after having met the requirement, they stated that my first direct deposit occurred later than 60 days. I was unable to access my account for that entire period. They also violated their terms by taking more than 60 days to review my account. I am attaching my correspondence with them via email while I was locked out, and through their messaging system after I had access to my account.

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 2018-03-05
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX, I called Navient to discuss my repayment options. I was already in a program where I paid so much for 6 months and I was told to call back after the 6 months to reapply. I did this, but was told it was to early. On XX/XX/XXXX I called again because a Navient Costumer service person told me about a program to lower my payments ; i would have to call and answer some financial questions as well as my co-signer. I called to do this, but I was told I was not eligible to apply for any more repayment options because I had used them all up on my account. I don't see how there should be limits, I cant make the full monthly payment due to financial hardship, and they would not help me. 
On another matter, when I look at my account on their website, I get conflicting information about how much i need to pay. One section says I have to pay {$110.00} and another section lists that the amount due is {$41.00}. It is very confusing and I have called to get this corrected, and every time I call, I'm told it will get fix but it never does, so when i log on, I see a past due amount even though I paid what was told to me. 
This is very frustrating and I hate that I can't consolidate these private loans or get a straight answer or any help to lower my payments because I can't pay the full amount. I even tried to get on the forgiveness program because I work at a university ( public service ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rushmore Loan Management never billed me for my mortgage payment. Rushmore became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers. 
Rushmore Loan Management never entered their name in the foreclosure case ( XXXX City Circuit Court case # XXXX ) Rushmore never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket. 

I had communication from Rushmore because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account. 
I received the first billing on XX/XX/2020. After HUD investigated, Rushmore sold the mortgage servicing to XXXX XXXX. Rushmore gave XXXX XXXX a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to Rushmore and now the fraud continues. 
XXXX XXXX is returning my mortgage payments because of fraudulent documentation received from Rushmore. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It is my understanding due to the pandemic that one is supposed to get their credit reports once a week free till XXXX, 2022. 

I tried to get my credit report from Experian and was not able to get it. They were trying to get me to purchase their credit services for " {$24.00} a month. I do not want their over-priced service. 

`I was able to get my credit score but I never received my credit report. 

I tried to get my credit report, earlier from XXXX They wanted me to send them documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
XXXX, XXXX and Experian keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to XXXX, XXXX and Experian repeatedly and they show complete disregard for the law. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus show no respect for the laws.

They need to be held accountable.

Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.

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