BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/15 was expecting a direct deposit from my employer to be on my rushcard. I logged onto my online account and checked my transactions and I could see where my deposit was made from my employer but my balance was still at {$25.00} ( from what I saved from my payroll last week ). I had been calling rushcard nonstop since XXXX/XXXX/15. I was finally able to get in touch with someone @ rushcard and when I told her what was going on with my account she said that my account was - {$870.00}. When I asked her how can my account be in the negative when I get a payroll deposit from my employer every week and you can only spend what you deposit, she caught an attitude and then saywell you can just close your aaccount. I told her I was calling about my money not to close my account and ask her to transfer me to a supervisor. She transferred me to her supervisor. I was on holold for about XXXX mins. then the phone clicked off so I called back and they said to call back in the morning to talk to a supervisor.I have been calling 2 days straight with no answer. Please help because this is ridiculous. This rushcard glitch has affected me tremendously and then on top of that they are trying to say to say my account is negative {$870.00} which is impossible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Saturday XX/XX/XXXX I found in my mailbox a credit card statement from Office Depot XXXX with some transactions done on XXXX XX/XX/XXXX with a total balance amount of {$650.00}. The trades were performed in the State of Nevada ; the first one was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance done in visa ATM for {$300.00} ( XXXX XXXX dollars ), some items in XXXX for {$100.00} ( XXXX XXXX dollars ), plus some fees for a total of {$41000.00} ( XXXX XXXX XXXX and XXXX XXXX cents  ). 
The second was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance in Mastercard ATM for {$200.00} ( XXXX XXXX dollars ) and some items ( granola chewy XXXX, stack snack, wipe sensitive for {$32.00} ( XXXX XXXX dollars and XXXX XXXX cents ) plus some fees for XXXX ( XXXX dollars and XXXX XXXX cents ) for a total of {$240.00} ( XXXX XXXX XXXX dollars and XXXX cents ). 

I live in the state of Florida and on the date that the transactions were done I was in XXXX. 
The same day that I received the statement called Office Depot store customer service, explain that I don't have Office Depot credit card and the lady that answered told me that the card number didn't exist neither in my name nor in the name of my company as it is written in the credit card statement. She gave me a phone number to communicate with Business credit card Office Depot department to clear the situation. 
Today XXXX XX/XX/XXXX XXXX XXXX  east time, I had communication with them, they recorded the call and the lady told me that in XX/XX/XXXX, I did an application to get a Credit card, but I never received the card and really I never asked for it. Is more the card is a business card but is not there on the statement the complete name of my company. She requested the complete name of my company and the address to start an investigation. That could mean that she didn't have my information. 

In conclusion the statement is a fake notice, I never had a credit card from Office Depot store, I live in Florida and there is not any possibility that I could have done the transactions made in XXXX XX/XX/XXXX in the State of Nevada. I hope you can help to resolve this problem. 

Thank you in advance for your time and consideration NOTE : Please see statement attached

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The loans that were paid out I was not in school at that time. I received grants that paid the full tuition. I advised Navient that the school should not of accepted any payments from them and it should of been returned however now I 'm be held responsible and I also show late payments on my credit report from a loan I knew nothing about or repayment options. I just did a consolidation and IDR and received two condescending repayment options. One say so have to pay {$63.00} and another says I have to pay {$14.00}. At this piont I 'm not even sure if I should be held responsible for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Conn's, 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 status incorrect

Complaint:
On XXXX XXXX a payment for {$110.00} Was made to company of Conn Appliances , Inc. which is on time. On XX/XX/2020 a second payment was made of {$99.00} which was a early payment to close out the account entirely. 
Conn Appliances , Inc. Incorrect reported to my credit that my XXXX payment was passed due and that the account was still open. 

Ive tried to dispute the problems with the credit bureau but the only result was the change in account status from, from open to close. I tried a second time and still no success in the removal of the pass due payment. 

Ive fought and fought with Conn Appliances , Inc. over and over to correct the problem but no results. Ive sent demanding letters and have recordings and emails of them owning up to the mistakes made. Ive also have confirmation number to support my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX   XXXX {$14000.00} COLLECTION XXXX {$45.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX  XXXX, XXXX GA XXXX The following account was charged off as of XXXX, 2020. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

My student loans are showing up twice on my report. 1 They are consolidated into 1 account but its showing as 34 different accounts. The accounts have been transferred but are showing chargeoff. I have been going thru this for 2 years.

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 2015-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Please listen to this response to my sister XXXX XXXX with XXXX following up with Bank of America helping with me ( brother ), requests. I complain with Bank of America 's overdraft records caused of scam last XXXX 2015, no recovered from scam that I disappointed. Bank of America charged me overdraft {$35.00} on this checking account. I was unfitted Oregon resident notification to XXXX. Senators continually, request. I do not like XXXX XXXX resident XXXX XXXX, too much ) report to XXXX. Did Bank of America forwarded with my sad icons on checking slip forward to XXXX. XXXX and XXXX in XXXX DC as show this sad icons to the male justice at requests. I do not want living in XXXX, at serious periods. 
I was not happy with losing money from one-time scam in last XXXX or XXXX 2015 due of my forgotten cause of XXXX under unfitted XXXX residents notification to XXXX XXXX XXXX requests included of XXXX addresses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Information belongs to someone else

Complaint:
I have provided Transunion with a dispute letter via certified mail on XX/XX/XXXX involving inquires and inaccuracies on my credit report. The agency has not taken on my dispute, but instead chooses to send me a letter of additional services that they offer as a company postdated XX/XX/XXXX. They also deny that the inaccuracies are present on my credit report, which is a lie. My credit report was reviewed from annualcreditreport.com for TransUnion on XX/XX/XXXX displaying the inaccuracies ; and reviewed again after receiving their notice on XX/XX/XXXX, showing the same inaccuracies they claim to not exist. The initial dispute letter was sent to the address posted on the XXXX website; TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXX, PA XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had XXXX IBR payments completed when I lost my job. Navient put me into unemployment deferment. I just heard on XXXX that this was the wrong thing for them to do - that I should be in IBR with an income of {$0.00} so it counts for my 25 years, and that you are suing them for doing this to students. I would like to add my name to the suit or whatever I need to do in order to benefit from the lawsuit, since this will add months to my IBR loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Navient Solutions, LLC.
State: NE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They keep making attempts to get ahold of me by different methods even though my debt is current with the original account holder. They call my personal number at least once a day and have called up to five times in one day. They have called family members even though I have never given them the right or even the information of that family member fishing for my information and saying that I am in default on a loan that is current. They call my job without permission and I have never given them the information for my work. They called my work number XXXX times in one day on a day that I was not working fishing for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This student loan has been in deferment and in forbearance until XX/XX/2017. The customer service representative said they made sure they back dated everything to reflect current as my other student loans because they all should show the same status. They are still reporting incorrectly and showing late payments.

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 2017-03-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am paying my Navient student loan on the first or second day of the billing cycle but the amount that gets applied to principal/Interest makes no sense whatsoever. 
XX/XX/2017, Payment, - {$400.00} ( Principal ), - {$390.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$320.00} ( Principal ), - {$460.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$810.00} ( Principal ), - {$180.00} ( interest ), Total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
A merchant, XXXX, scammed me into seeking their services. Later, the merchant stated they would be ending there services yet still charged my card at a later point. The merchant was suppose to handle XXXX separate cases fully, they did not and did not fulfill the contract. I had to hire XXXX other firms to perform the service. In addition, after speaking to multiple ( similar merchant, third parties ) they all reported that the credit card company should protect me from the original merchants charges. As of today, Bank of America has given me the run around instead of fulfilling their promise to protect consumers and has failed to comply with the Fair Credit Billing Act. I have had an attorney write to the credit card company explaining that the charges from the original merchant should be returned, however Bank of America has refused to assist the consumer..

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 2020-03-26
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is still allowing Data Furnishing Companies to report inaccurate information on Consumers Credit Report. My name is XXXX XXXX an Experian has allowed the following Companies to report inaccurate information on my Credit Report. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX To report on my Credit Report as each Acct # is being reported closed.

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 2017-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On  XXXX   XXXX   2017, I  applied for pre-approval for an auto loan from my bank, USAA. I was preapproved for a range from {$40000.00} - {$6000.00}. Right on the web site it said that this was only a preapproval and I was not guaranteed any specific amount until I selected a vehicle and finalized the loan with a USAA loan officer while I was at the dealership. The next day  XXXX   XXXX     2017, I did  every step that USAA said to do, went to the dealership, and finished by talking on the phone with a lady who represented herself as  a USAA loan officer whi le sitting at the dealership. I gave the loan officer the VIN number of the vehicle, permission to pull my credit report, and all the other information she requested. At the end of the conversation she guaranteed me a final loan amo unt ( {$43000.00} ),   term ( 84 mon ths ), and rate ( 3.8 4 % ). I asked her to confirm the rate and term several times in front  of the dealership financial manager. Based on the guaranteed rate and term provided by the USAA Loan Officer, I closed the deal and purchased the vehicle. After four days ( when it is too late to return the vehicle without penalty ), USAA sent me a document entitled " Addendum to Note, Disclosure, and Security Agreement, '' with a completely different rate and term than the ones I had finalized with the " Loan Officer. '' I immediately called USAA, and they refused to adjust the rate and term to the one agreed to by their representative, because they said I had already agreed to a rate and term the night before I went to the dealership, and the " Loan Officer '' had no authority to supersede that on the phone. I understood the work I had done the night before to be a preliminary preapproval and that the loan terms would be finalized on the phone with the USAA Loan Officer just as we did. Otherwise, what would be the point of the phone call? I believe this to be a fraudulent, " Bait-and-Switch '' tactic to switch people into whatever rate and term are most advantageous to USAA after the loan has been negotiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech Financial started foreclosure proceedings against me XX/XX/2016. I live in XXXX. They have filed and recorded fraudulent and forged foreclosing documents in the XXXX County Recorder 's Office. They have refused to verify these fraudulent documents subsequent to my repeated requests in violation of the California Homeowners Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX acting on behalf of one of my investors, U.S. Bank, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on the XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00}

Company response to consumer: Closed with explanation