BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XX/XX/2020, select portfolio servicing , incXXXX, I ; never had any contract with select portfolio servicing, inc, I, never had 2nd lien with XXXX XXXX XXXX, XXXX. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I made an international transfer of US {$8200.00} to Capital One Bank, XXXX Texas in favor of : XXXX XXXX XXXX. 

This transfer is made through my bank : XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) to Capital One Bank ( XXXX Texas ). While the beneficiary confirmed receipt of the cash, for reasons I do not know he indicated to me that he did not have access to his bank account so I filed a return claim with my local bank in XX/XX/XXXX. XXXX XX/XX/XXXX I continue to follow up on the return with my Bank and only tell me that Capital One Bank has not made a refund for them. I request your support to make my return of the funds as soon as possible as almost 10 months have elapsed and I have not obtained them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My student loan increases day by day because Department of Education institution are adding {$5.00} dollars each day. I had to ask to the Treasury Department that they deduct from my Social Security retirement benefit check as survivor of my deceased husband a XXXX or XXXX quote because I could not afford the amount that XXXX XXXX first and NAVIENT later was requiring from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Medical & Professional Collection Services, Inc. NC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contested alleged debt because Plaintiff refuses to provide anything in writing. The Plaintiff 's attorney yelled, harassed, bullied me, and told me I could not dispute " so close to the hearing '', which is not true. 
I made her aware this is also beyond the statute of limitation. 
In XXXX, a judgment for {$11000.00} was granted on debt I am still unaware of, I was not properly served and did not know about this hearing. Plaintiff is now alleging I owe {$19000.00} and refusing to validate the debt. No hospitals have any debt on record under my name.

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 2020-10-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My loan # XXXX was transferred to Rushmore Loan Management Service XX/XX/XXXX. During this transition, my ACH payment that I had set up with my previous servicer was cancelled. On XX/XX/XXXX I was contacted and was made aware of this. I made two payments over the phone to bring the account current and gave the representative my account information to set up the ACH drafts again to be effective for the XX/XX/XXXX payment. In XX/XX/XXXX I received another call saying my mortgage payment was 30 days past due. They said the ACH for XX/XX/XXXX payment was set up incorrectly and did not go through. They advised me to go online and set it up in which I did. I brought the account current and set up the ACH draft. On XX/XX/XXXX, I called Rushmore to see about receiving a curtesy removal of the late mark on my credit as it was not my error. The representative assured me that this would done. In speaking to Rushmore today, XX/XX/XXXX, I was told that the request was denied but that representative only noted that the borr requested it to be removed, no notes in regard to what had actually occurred. This late mark was solely in error on Rushmore 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter dated XXXX/XXXX/2017 alleging I owe XXXX XXXX XXXX XXXX XXXX on XXXX different accounts. I do owe them for XXXX emergency room visit, which I am making agreed upon payments which their letter had the incorrect balance. I have no knowledge of what this Collection Agency is talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I spent XXXX $ at crate barrel retail store as part of the promotion ( XXXX $ refurbishing store credit ) for new card bonus run by American Express. I kept checking with the representative many many many times after I made the qualified purchase and every time I was told I will get the credit after XXXX weeks. However on XX/XX/XXXX they told me my purchase is not eligible so they couldnt issue me credit. 

The specific reasons they provided are : XXXX. The store I purchased from is an outlet store which is not qualified.

2. My purchase was for business purchase However, I purchased at crate barrel store located in XXXX XXXX XXXX in XXXX which is not an Outlet store. Also I have attached the receipt for my purchase. It clearly shows what I purchased at which store and it is for personal use not business order. 

However, the Amex representative just refused to check my receipt. 

I am very disappointed by how Amex treated its customers. If you dont have enough budget you shouldnt run such promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: MS
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:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party.

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX  and Equifax are in violation of my rights and is subjected to a law suit under these laws/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-16
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 I contacted NJ Higher Education about a fraudulent student loan that I discovered on my credit report. The loan was issued in XXXX at which time I was not enrolled in any college or university. I was told that the NJCLASS loan defaulted and was assigned to the law firm of XXXX XXXX XXXX, and told to direct all inquiries regarding the loan to the law firm. I tried to resolve the issue with the law firm and they refused to assist me. They have charged me double the original loan amount in interest. I even requested to pay a settled amount just to get this loan off of my credit report to no avail. I'm highly disappointed and really need some help to resolve this matter. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: OPORTUN FINANCIAL CORPORATION
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:
I paid Oportun {$3300.00} on XX/XX/22 and was told prior to making the payment that my credit reports would be updated as long the money is received by the XXXX. 
I called over 50 times in same day and staff doesnt understand basic XXXX. I was hold for 5 hours and kept getting transferred around. I asked for the address and phone number for corporate office the customer service refused to give me the information. I feel I am being discriminated against because I dont speak XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with Vanderbilt and have used your government HUD company and housing counselor. They were not able to budge Vanderbilt mortgage on anything. Vanderbilt says they are an independent mortgage company and can do as they please and not have to abide by the new government laws. My interest rate is 10.78 % I am drowning so I am being forced in XXXX bk. And Vanderbilt is still fighting that by not agreeing to payment plans and just making me miserable and literally sick over this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing an official complaint regarding Planet Home Lending , LLC | NMLS IDXXXX, regarding the refusal of returning an unauthorized withdrawal from my checking account. 

Friday, XX/XX/XXXX, XXXXPlanet Home Lending withdrew two payments for {$2400.00}. 
- My wife called Planet Home Lending, and they asked for a wire transfer form and bank statement to show proof. My wife and I worked to get this to Planet Home Lending and submitted documents the same day. 

Monday, XXXX XXXX XXXX XXXX the manager, expressed that she received all documentation and will submit to having the money transferred within 1 to 3 days. Per XXXX, " She will call back today or tomorrow latest to confirm. '' Tuesday, XXXX XXXX XXXX never called back, my wife called, and Planet Home Lending and the representative stated, " XXXX said, everything was submitted, and I have to wait up to three days to get money back. '' Friday, XX/XX/XXXX, No money was received. My wife called back. The Planet Home Lending representative said XXXX was in training, but she confirmed that she submitted everything on Thursday, XX/XX/XXXX. Also, the funds should be there within three business days. 

Tuesday, XXXX XXXX I called again to XXXX XXXX and she said she submitted everything on her end, and for sure, it will be there by tomorrow. 

Wednesday, XXXX XXXX-No money was received. Continued to wait. 

Friday, XX/XX/XXXX, my wife called and spoke with XXXX, Manager XXXX XXXX XXXX. He was incredibly insensitive to the matter. My wife told him that she has bills due and she needs HER money. She told him that she would be left to scramble over the weekend. XXXX XXXX, " I don't know what to say to you. I have completed the paperwork. You are just going to have to SCRAMBLE. " Monday, XX/XX/XXXX, I checked my bank account. No pending wire transfer. Called XXXX, he stated that he completed the paper, and the wire will be transferred within the next 1-3 business days. I asked XXXX for a confirmation number of the wire transfer number, and he said he does not have it. I asked to be transferred to his supervisor, and he said, " No, I have taken care of it. The buck stops with me. There is no one higher than me regarding this situation ''. I asked again to be transferred to his supervisor, and he said no. I then requested eight more times, and he said no, and the phone disconnected. 

I still do not have my money, and I am still scrambling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: MS
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:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. 

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, Experian and XX/XX/XXXXare in violation of my rights and is subjected to a law suit under these laws/

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: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Judge XXXX is leaving a court hearing open for the XX/XX/2017 on calender when I spoke to XXXX court clerk and said it was dismissed twice, however there are cases where they leave this open and steal your property at auction. She has committed treason in open court twice in case. I asked the Court clerk to have it removed and said it was n't necessary. She has no contract. 
There come to find out was no loan, and forged security instrument non-disclosure lending people back their own Trust Money of the fraud B.C. bond however there is a fund in which they steal from on XXXX derivative market XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied to refinance my mortgage Quicken Loans and requested cash out to consolidate debt. I informed the loan officer that I wanted to stay at or below 70 % LTV. The loan officer provided an estimated home value of {$87000.00} and created a Loan Estimate based on this amount. This would provided me with approximately {$60000.00} for debt consolidation, and home improvements. 

I was required to pay {$500.00} for the appraisal up front, using their affiliate. The appraiser used inappropriate comps and valued our house at {$820000.00}. I subsequently received a new loan estimate with a {$5000.00} increase in closing costs due to the LTV now being over 70 %. 

I disputed the appraisal to no avail. She continued to use a home vacant for nearly a decade, and a house that is currently being gutted as a comp to our updated, move in ready home. There was also a slight discrepancy in square footage. I showed them other comps, and the appraisal value in XXXX, but they did not take either into consideration. 

I told Quicken I was going to pull the application, but they tried to convince me not to cancel since I had already invested so much time and money out of pocket. I told them that I was not willing to pay the additional closing costs. They then sent me an updated Loan Estimate with a cash out estimate of $ XXXX far less than what was originally presented, or what we needed. My options were to pay the extra {$5000.00} to get the money out that I needed, or settle for less. 

I have since cancelled my application, though I don't know if they have yet, because I am still getting notifications and requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balanced Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balanced Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-10-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There is fraud charge coming on my Amex Credit Card and i reach out to Amex three times on phone and they didn't block it. Charges keep appearing on my card for almost a year. Amex Customer service is not helping. Every time i called they said they are putting block and charge keep coming.

Company response to consumer: Closed with monetary relief