BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We are working with a local Bank here in XXXX, Wyoming to get our Interest Rate lowered and the Bank submitted a Title check of our Loan and found that the previous Mortage Holder of our Loan ( XXXX ) that went Bankrupt during 2008 the loan was acquired by Bank Of America and has us with the Inital Loan not being eliminated.

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 2020-03-03
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Money sent via Zelle was sent to wrong mobile number and accepted by the person. 

I was given a phone number, which was incorrectly provided to me, and request for funds transfer was sent using Zelle via my XXXX XXXX XXXX  account. I was asked to verify the number and transaction, which I did, and the funds were transferred - easy right? yes. maybe too easy! 

I realize this is not an issue with the Zelle service per se, however, it would be wise for Zelle to implement a requirement in the feature that a {$1.00} or low value transaction be processed the very first time the service is used between new numbers, emails or contacts. This would allow the person initiating the funds transfer to ensure that the {$1.00} actually got to the person/number/email, that it was intended to go to. Once the low dollar transaction processes is confirmed, then larger amounts could then be transferred with confidence. 

In my scenario, the mobile number given to me by a real estate agent for a contact of hers to do work on our condo was incorrect. I confirmed with her the mobile number and then sent {$700.00} on XX/XX/20 off to the persons mobile number. I confirmed the transaction and money was sent. However, when the intended person never received the funds, only then was when we realized that the real estate agent incorrectly typed the mobile phone number that she told me to transfer the money to. 

I contacted my bank who put me thru to Zelle who returned me to my bank and neither of them can take any action to help me except provide the name and number ( that I already had ) so that I could then reach out to the person myself to attempt to get the money back. Like that's gon na happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Complaint about use of excessive exchange rate for international wire transfer!! 
This is regarding a wire transfer to a ( my ) international ( XXXX ) bank account. In addition to a fee of US {$35.00}, BoA uses an exchange rate US Dollar/XXXX of XXXX, which appears excessive given the actual traded exchange rate of about XXXX. 
Info of wire transfer is as follows : Transfer Date : XX/XX/2015Confirmation number : XXXXOrder number : XXXXFrom : Adv Tiered Interest Chkg - XXXX : XXXX : ( XXXX XXXX XXXX ) Transfer Amount : XXXX XXXX. 

Thank you!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I just had my home refinanced and the loan was purchased by Freedom Mortgage. I attempted to make my payment via ACH payment using my checking account online only to find out the payment was reversed days later. I began to get calls regarding a late payment and I explained that I made the payment and they said it was reversed for the wrong account number. I made another payment attempt and even removed the payment type and re-added it copying it from my banks online account portal. It was reversed again. I made another attempt and it happened again. 

I called each time about this and was told I input incorrect information. I spoke with several agents yesterday and was told I needed to speak with my bank because it is an issue on their end. I spoke with several agents there and they said no payment attempt has been made and there are no issues. I spoke with someone again at the mortgage company and they suggested I add the zeros before my account number, so I attempted to make another payment. I was called by a supervisor regarding this issue today and they continued to suggest the account number was being input incorrectly when I explained that the full account number is being used. I use this same account for all of my other ACH payments and have had no issues besides with Freedom Mortgage. I am now worried that this will impact my credit rating for non-payment when I have made multiple attempts to make the payment with confirmation numbers and the payments are not being processed. Their support has been lackluster.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-09-16
Company: Netspend Corporation
State: PR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
NET SPEND HAD XXXX OPEN ACCOUNTS OF ME. DID NOT NOTIFIED ME AND IT AFFECTED MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I really was not sure which drop down to select. I have been getting a notice of intent of garnishment from a law firm. The debt is from 2007 and I believe it may be a credit card debt but I am not sure and I not really sure of the cost as it is not listed on the letter that I continue to receive. I am a single father with some major health issues and have had to receive food support from time to to get by. Can this company continue to collect and send me these notice of garnishment from a 2007 case? When I look up the case on public court website it says the debt was paid in 2007 and XXXX is owed. I just dont get it. Can you help me resolve this issue. I have XXXX and things like this does not only put additional stress on me but causes symptoms to react. I really want to know if they can continue to collect on this 2007 case?? I have attached several documents for your review. I have a lot of medical debt and cant afford for my paycheck to be garnished. It would bring great hardship to me. This debt could be from my previous marriage, I am not sure but I do know it is very old. Please review the documents provided. Thank you for your help if you can provide some.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Southwest Credit Systems, L.P.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has attempted to collect a debt that is not valid. I changed cell services from XXXX to XXXX. The final bill and Early Termination Fees were to be paid by XXXX but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I have never missed a payment with Synchrony Bank and used my XXXX XXXX XXXX card offered by this bank once a month. I just made a payment over the phone on XX/XX/XXXX, XXXX However, on XX/XX/XXXX Synchrony Bank closed my credit card account without providing with me a 45 day notice as stated in Credit Card Act of XXXX. I called the company on XX/XX/XXXX at XXXX a.m. and was told by account manager XXXX that account account was already closed. I informed her that I was suppose to be given prior notice of 45 days of closure this could have allowed me to pay the remaining balance. Instead the sudden and illegal closure had greatly reduced my credit score thus preventing me from refinancing my home. XXXX informed me that once an account is closed it can not be reopened. This illegal and sudden closure has caused me great financial damages. If I was given my 45 day notice I could have paid the small remaining balance thus preventing the negative impact on my credit score.

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: PA
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 started with just over {$70000.00} in XXXX XXXX loan debt that I repaid faithfully until a job loss in XXXX. I ended up on Social Security XXXX. I finally got off of XXXX, finding a job that was suitable for me. In XXXX I was repaying my XXXX XXXX loans at a rate of $ XXXX. My income was reviewed in XXXX the minimum payment they would accept was $ XXXX. Due to Navient 's suggestions of forebearance, because I could not pay the minimum amount due, I have accrued {$55000.00} in INTEREST bringing my total loans from {$70000.00} to a whopping {$120000.00}. Navient 's response, " There is nothing we can do for you until the laws are changed ''. XXXX XXXX loans are excluded from most income driven repayment plans. Instead of offering me a reasonable repayment amount ( $ XXXX ), their goal was to push my loan into forebearance, allowing them to accrue over {$55000.00} in interest now due. My payments went from $ XXXX to $ XXXX according to their " calculations '', even though my income did not double. I am stuck. Navient owns me. the only way to get out from under their heavy hand is to die. I have written many politicians over the years about this. No one cares. SOMEBODY PLEASE MAKE THEM FORGIVE THEIR LOAN SHARK INTEREST ACCRUALS, AND LET PARENT PLUS BORROWERS HAVE MORE OPTIONS FOR RE-PAYMENT. 
Thank you for bringing this situation out into the open. Navient is a XXXX. They do n't care who they kill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Information belongs to someone else

Complaint:
There are 5 accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXX {$22000.00} XXXX / XXXX - Acct # XXXXAmt {$710.00} XXXX XXXX XXXX -Acct # XXXX {$8400.00} XXXX XXXX- Acct # XXXXAmt {$0.00} XXXX/XXXX- Acct # XXXXAmt {$0.00} Inquirires XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2019 XX/XX/2019

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 2017-11-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX, I received a certified document from XXXX XXXX XXXX, XXXX indicating that XXXX XXXX XXXX got an ordered from the XXXX XXXX XXXX, XXXX to appoint XXXX XXXX XXXX as a receiver for a XXXX XXXX XXXX. After some research with XXXX XXXX, XXXX, I determined that this account was not mine and wrote two letters to XXXX XXXX XXXX with this information. XXXX XXXX XXXX insists that this account was mine and currently XXXX XXXX XXXX has frozen two accounts at my bank attempting to collect this debt. XXXX XXXX XXXX has allowed me 10 days to resolve this dispute and on XX/XX/2017 will proceed to remove the money associated with this judgment from my account. I would like to resolve this matter as soon as possible and have any record of this judgment removed from my credit reports and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Navient Solutions, LLC.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pioneer Credit Recovery has lied about its own practices. They told me that in order to set up a payment plan I had to give them tons of information about our finances, including other debts, income, utilities, etc. After this, they refused to give us a payment plan other than " pay half this month, half next month '' and refused to accept any other payment. Now, years later, they are saying they never said this, and I of course owe tons of interest and penalties for non payment, when THEY WOULD NOT LET ME PAY.

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 2017-01-25
Company: Navient Solutions, LLC.
State: NC
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 loans are not consolidated so the total payments on the loan is way more than I can afford. I was told that I can not pay them down one at a time but had to pay them all at once. I went into forebearance because I could not afford the payments along with my daily living expenses. Even when my income was submitted in hopes of receiving an affordable payment, I was advised that I would need to pay XXXX per month to avoid default. I can not afford so forebearance was suggested. I went into foreberance and my loans have increased a whopping XXXX over the course of one year. I am digging a hole that I can not seem to get out of no matter how hard I try. Most people attend college as a means to better their life and make more money but if you have to pay all of the additional money you are now making back to student loans, what is the point of furthering your education? I grew up in a home where my parents could not afford for me to go to school. So I had to take out student loans and I am now regretting my entire decision to return to school. I have children that will be going to college within the next 10 years and with the amount that I owe, I will be unable to afford for my children to go to college and thus the vicious cycle begins again. I need help. This system is unfair to those who grew up less fortunate than others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My parents took out a private student loan through XXXX XXXX in XXXX 2004. I was the XXXX co-borrower on the loan. It stared out as a {$22000.00} loan. I had asked that the loan be cancelled but my parents decided to keep it for their personal use. Throughout the years my family had defaulted a few times and has affected my credit. XXXX XXXX changed to Navient. When they switched over, Navient made a payment agreement with my parents to get back on track with their payments. My XXXX questions are : When this loan was refinanced through Navient, should n't I have been allowed to take my name off loan? I never signed off on any paperwork. 2 : I feel that there is something wrong mathematically as to why this {$22000.00} loan has a balance of {$39000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from 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 2020-07-23
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My information I written down for my username and password got stolen I dont remember my security questions or any information is there any way to recover my info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, XXXX, and TransUnion. XXXX has deleted the item from my report. While TransUnion in clear violation of the FCRA continues with what seems to be malice to report these items. I am providing TransUnion with documentation to this effect ...

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 2020-12-01
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Freedom debt relief did not get permission to settle a XXXX XXXX XXXX  account for me. I called freedom debt relief and sent numerous letters to to them their services were not wanted due to the unprofessional representation. I never consented to any settlement on XXXX XXXX or any credit cards and I do intend to file criminal charges for falsely making a settlement with my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: EMG ACQUISITION GROUP, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I obtained a loan in the amount of {$320.00} from XXXX XXXX XXXX at XXXX XXXX, LA. I called on Friday XX/XX/2018 inquiring of repayment options. I appeared before them at approximately XXXX XXXX the following day to submit the partial payment for the " buy-down '' option and I was told that for that option, they would only accept cash although this was not told to me previously and for the loan I had originally received a cheque anyhow. The procedure was misrepresented by-phone. Incidentally, since I was on my lunch break, I left because I had to return to work. I checked my account balance via ATM on Mon-Tues the following week and assumed that XXXX XXXX had obtained their money. 
I began receiving phone calls. The phone calls persisted for several days. Each time I received a call, they hung up. I deem the " calling-and-hanging-up '' behaviour as harassment. I have not received any other type of communication to-date. While FDCPA does not provide an exact number of phone calls to be considered, it is common sense that calling and hanging up repeatedly, sometimes before anyone can answer the phone is undoubtedly harassment. Under that premise, my consumer rights are being violated under FDCPA, which hold that a creditor may not behave abusively in an effort to collect a debt.

Company response to consumer: Closed with explanation