BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX XXXX, I received an email from Experian. 
Subject : Notification : Your XXXX Score has changed! 
I clicked the button that read : " Check your XXXX Score Now '' I landed on a webpage with XXXX buttons. " See all XXXX scores '' or " See XXXX score '' There was absolutely no indication I was placing an order. 
No information that my credit card would be charged. 
No visible dollar amounts. 
No please review and confirm your order page. 
No email confirmation that I had placed an order. 
I have been scammed by Experian as they charged my credit card {$39.00} without my authorization. I have sent Experian an email requesting a refund just prior to filling out this form. CFPB, Please see what you can do to facilitate a prompt refund of {$39.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Forster, Garbus and Garbus
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My XXXX XXXX XXXX student loans have defaulted and I am trying to find repayment options. The company that is processing them Foster, Garbus & Garbus are not giving me all of the information I need to proceed in resolving this debt. 
Here are the following complaints:1. I have asked for proof of my loan and they have not provided it and said that legal papers they sent me should serve as proof. 
2. They do not own the loan - XXXX XXXX still owns the loan. 
3. A fair repayment plan can not be accommodated, with adequate tracking of my payments and the balances. 
3. They are providing misinformation. I have read that after 9 months of a loan being in good standing ( with monthly on-time payments ) that it can then enter a rehabilitation plan - they advised that rehabilitation no longer applies to me. 

In summation, I want to reach a fair conclusion in being able to pay off the debt monthly without it crippling my future ( employment, marriage and renting/purchasing a home ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: CARS Acquisition, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account CAR FINANCIAL SERVICES via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX XXXX XXXX XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing CAR Financial Services , Inc. the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that CAR Financial Services , Inc. stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i was at work when a women claiming to be a debt collector with Capital Management call my Supervisor and told her that I had a debt and she was trying to collect from me. She then told my boss that she called my phone before asking who she was calling for. 
i this is a violation so I called to make a complaint and told then I was unaware of any debt and to onloy contact me via mail. I spoke with XXXX and he could not find anyone in the complaint department and tried to side with the woman who called. he then said he would review the call..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT WAS OPENEDAND FRAUDULENTLY USED, AND THE FUNDS WERE MISAPPROPRIATED, I CONTACTED THIS COMPANY ON SEVERAL OCCASIONS IN AN ATTEMPT TO RECOVER MY FUNDS, WHICH BY LAW WAS SUPPOSED TO BE FDIC INSURED, DURING THIS PERIOD I WAS XXXXXXXX FROM XXXX THIS WAS VERIFIED BY NETSPEND STAFF BY AND THROUGH THE VETERANS ADMINISTRATION DURING A CALL WITH REPRESENTATIVE " XXXX XXXX ON XXXX THERE WAS AN INDEBTEDNESS APPLIED TO MYSELF FOR THESE PAYMENTS THAT WENT TO THIS ACCOUNT, A POLICE REPORT WAS GENERATED XXXX XXXX XXXX XXXX WHICH WAS IN REGARD TO IDENTITY THEFT TO XXXX XXXX XXXX XXXX, MY COMPLAINT IS IN REGARD TO NETSPEND NOT BEING DILIGENT IN RETURNING MY FUNDS TO ME REGARDING THE IDENTITY THEFT, I WAS CLEARLY XXXX DURING THAT TIME AND COULD NOT HAVE POSSIBLY MADE ANY OF THE TRANSACTIONS.

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 2016-04-26
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Investors bank has increased my monthly payment from {$1300.00} to {$1800.00}. Calls to the bank were not returned although representative promised they would call back.

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 2016-01-28
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Goldman Sachs purchased my mortgage note from XXXX XXXX in 2006. A securitized transaction that included my home loan was completed on XXXX XXXX, 2006. 

The transaction names XXXX Bank as the Trustee for Goldman Sachs XXXX XXXX XXXX XXXX. 

The transaction is deemed invalid, as the mortgage note was not transferred or recorded into the Trust within the 90-day closing period that is required by New York law and the Pooling and Servicing Agreement. 

For the past few years, Goldman Sachs has relied upon XXXX XXXX XXXX Mortgage and XXXX Bank to fabricate fraudulent Assignment of Mortgage documents in an effort to gain a legal standing to execute a foreclosure sale against my home. 

These types of action have led to the recent approval of a civil lawsuit against Goldman Sachs for {$5.00} XXXX Dollars ; which, I am seeking inclusion in the suit for wrongful foreclosure, unfair business practices and excessive emotional grief. 

Without recording the mortgage note into the Trust within the required 90-day time frame, Goldman Sachs, its Trustee or other representatives have no standing to foreclose on my home. 

I am a U.S. veteran who should not be subjected to shady financial transactions that were orchestrated by banks / investors who assisted in the toppling of our country 's financial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I went to the bank on XXXX/XXXX/16 to do a cash advance for XXXX from my Rushcard debit card and the teller never received a authorization number from the terminal or printout to give me my money. The teller stated it was not going through, it kept giving him a error message.But the withdrawal and fee was pending on my account till this afternoon on XXXX/XXXX/16. It cleared my account and now Rushcard Does not want to return my money when they were having system issues and doing a system maintenance update the same day. I am very unhappy, because it was not my problem and customer service is not able to see the error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute and investigation is for Experian Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX. These cards were opened at separate times, XXXX in the XX/XX/XXXX XXXX and the other in XX/XX/XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Experian has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Experian that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Experian also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Experian reported the same XXXX accounts as being current late payments that went from XXXX days, to XXXX days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Experian not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they XXXX be removed once and for all! I am also disputing the fact that they have Enhanced Recovery reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Experian keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!

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 2015-10-27
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
My employer releseased my paycheck funds to XXXX ( the bank that services my prepaid Rushcard ) on XXXX/XXXX/15. Actual paydate for is is XXXX/XXXX/15. It is now XX/XX/2015 and Rushcard has not posted my paycheck. They wo n't return my emails and when I call the XXXX customer service number, they place me on hold and then it rings twice and they hang up. I live paycheck to paycheck and I am facing eviction if I do n't get my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I did an online transfer from my account to my nephew 's account through PayPal on XXXX XXXX, 2020. PayPal is holding the release of the money to my nephew claiming that it was considered a `risky` transaction and was therefore sent as an e-check instead of an immediate bank to bank transfer. When I asked PayPal what qualified my transaction as `risky ', I never got a direct answer. All I keep getting are scripted answers that e-checks take a while to clear. However, I checked with my bank and the transaction was cleared and paid on XXXX XXXX, 2020. I had no other recourse by file a dispute with PayPal on holding the money for no valid reason. 

I did some research on PayPal and apparently they have a practice of holding payments in pending made by other members, of which I suspect their `internal security system ' would randomly do. The amount I'm disputing may be insignificant but if other members ' money are being held as well, the total amount held can be significant and PayPal could conceivably be advantaged financially from the `float ' on the money. This is practice PayPal is engaged in can be best described as deceptive or fraudulent. I have also filed a complaint on this matter with the Federal Trade Commission/Bureau For Consumer Protection and asked them to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a card holder for " RUSHCARD '' and for 10 days i have not been able to access my account due to a programming switch glitch within the company. Not only myself but XXXX of other card holders are suffering due to this situation. We all have payroll checks Goverment checks posting to that card. the bank that Rushcard is affiliated with is XXXX. Now my XXXX payroll check will be deposited on my Rushcard account tomorrow and i still can not access. This has been going on since XX/XX/XXXX. 
As it stands i can not pay my bills all services are on final notice and can not pay rent so my housing is on the line. My job is on the line cause i can not drive to work nor pay anyone cause i have no access to my funds. Can not purchase groceries i work everyday for minimum wage in the State of Connecticut and i am not really making the bills now. i have moved 3 times this year cause of financial issues and now to have my pay check just taken from me is more than i can bare. i am a XXXX mother of XXXX it was XXXX children but XXXX are grown and have families of there own.But i still have XXXX that i have to take care of and XXXX is XXXX. i have been a member since XX/XX/XXXX and never encountered anything like this. I call i go through the automated and get transferred to customer service just to get hung up on. i have called over 30 times in the past 2 weeks and end up with the same result Nothing. No Explaination no Compensation for the hardships that we all as cardholders are enduring at this time. We are loosing everything and nothing is being done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Transit card
Issue: Unauthorized transactions/trans. issues

Complaint:
This company has taken double the money debit from the acct. Then u have to call and wait for rep to apply money back to ur card. There not posting Direct deposit s to the card. Took over five days to get my paycheck refunded to my payroll dept to read issue. Makes promises of quick and speedy service tht always turns into a few days wait or no nothing at all. In turn ur calling the company back to try and get the problem rectified. Wen u ask for a Supervisor they hang up on u or leave u on hold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: KY
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
Could not use my Rush card. My electricity was disconnected due to this poor service.Still as of today I have money on the card but ca n't access the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: SQUARETWO FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I continue to review my credit report for errors and the same errors that I have disputed are still present. When I try to file a dispute with Experian it will not allow me to do so and an request that I cancel my dispute. XXXX and XXXX XXXX have prematurely added late notices to my reports even after being paid and before I ever became XXXX or XXXX days late. XXXX was paid on XX/XX/2016 via XXXX bill pay but refuses to accept my payment. They claim that the they have an internal rule in which they do not accept payments from customers who have had more than XXXX return payments. This rule was never presented to me during the signing of my loan agreement nor did I sign anything to agree to this. XXXX is at fault for not applying my payment correctly. On XXXX separate occasions I requested to be placed on automatic bill pay through a monthly withdrawal from my bank account. I submitted the paperwork to XXXX twice and even confirmed with a female associate who confirmed they had my paperwork. I reviewed my account and observed that I sent payment by accident through my bill pay which I stopped because XXXX was to draft my payment from my account on the XX/XX/XXXX day of the month. Instead of drafting my account the market me as 30 days past due for the month of XX/XX/XXXX even before my payment was due on the XX/XX/XXXX. When I called them they stated that they will no longer accept payment from me unless it was in the form of certified funds. When I asked what happen to my automatic draft they claim that they never received it even after they confirmed they got it. Similar to XXXX XXXX they are claiming that they have an internal policy where they refuse to accept payment which again was not agreed upon in my loan terms or was brought to my attention when I opened the loan. These late notices should not be on my credit report and were done so maliciously by these pay-day lenders. Also I disputed my XXXX account who has reported me late in error. The balance is incorrect on my XXXX account and my payment history is incorrect. I was on a payment protection plan due to a job loss that reduced my payments. Apparently my bank account information was entered incorrectly which caused my payment to be returned and because I was in error added to the do not call list I was not notified until several days later, via XXXX mail after the XXXX mark. XXXX agreed to remove the XXXX day late mark if I filed a dispute but Experian has failed to investigate this properly. I have attached the response from Experian and how they prevent me from filing an additional dispute to remove these errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for Bankruptcy Protection and the bank still foreclosed on my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I found a " collections '' status on my credit report for a medical bill. I received XXXX bills from the physician 's office and paid via check on the XXXX bill. The check was not cashed but I received no further communication from the physician 's office. I contacted the Collections Company and told them that I had not received a letter or phone call from the company. Upon further investigation, I did not receive a letter but I did have XXXX missed calls from their unknown number ( no voicemail ). I do not feel that this is sufficient contact and I believe that they should have sent a letter if unable to contact via phone. I had extraordinary credit, no late payments, prior to this incident and I paid the outstanding balance immediately on the phone with the collections agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX. 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Experian. THIS WAS A IDENTITY THEFT CASE. PLEASE REMOVE THE COLLECTION FROM MY REPORT.

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