BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a TD Premier Checking account XX/XX/XXXX, enticed by the {$300.00} sign-up bonus. I met all the terms, specifically the {$2500.00} in direct deposit within 60 days of opening the account. The fine print indicated that I could expect my bonus 95 days after opening the account. 

95 days passed, and the bonus never arrived. I ended up calling four times over the course of a month, and was given inconsistent answers each time. 

The first representative told me that the 95 days began after I met the terms. I corrected her, and pointed out that it was in fact 95 days after the account was opened. She acknowledged the mistake after reading the fine print, and said she would seek an answer. Weeks went by and I never heard back. 

I called again, and this representative told me I had n't received the bonus because I was n't considered a new customer, which is who the offer was available to. I had trouble with the website when starting my account, thinking my requests had n't gone through. This resulted in me errantly starting XXXX accounts. I immediately closed XXXX of them, but apparently this led to me not being classified as a new customer. The representative acknowledged that this should not prevent me from receiving the bonus, and that she should be able to explain the issue to a superior. She said she would send a detailed e-mail on my behalf. 

A couple more weeks went by, and the bonus still did n't appear. I spoke to yet another representative, who apologized for me having to explain the matter to so many people. She said she would attach a note to my account, and seek resolution. 

Alas, the next day, I was contacted by another representative, who told me that he had been informed by whoever had the authority to make such a decision that I would not receive the bonus at all because apparently I signed up for the account at a time when the offer was n't available. 

This is utter nonsense. The offer was being advertised all over various personal finance websites XX/XX/XXXX. No specific timetable was provided. The offer was clearly outlined on the TD Bank website. I was careful to read the fine print and understand the details and terms. Also, if the offer was n't available at the time, a customer service representative would almost certainly have informed me of this during my previous calls. 

This bonus should not be advertised if the terms will not be honored. It is a deceptive way to attract new business. I am angry that I spent any time opening an account with TD Bank, and dedicated effort towards re-establishing my direct deposit destinations, for the ultimate result of a slap in the face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX a scammer with the help of Wells Fargo accessed my business account and wired XXXX out of it. Wells Fargo knew minutes after that my account was compromised and never stopped the fraudulent wires from leaving on a Friday afternoon on a holiday weekend. I notified fraud less than XXXX XXXX later that the wires were fraudulent but nothing was done. Tuesday after the holiday I learn that the wires were never added to the fraud claim. My claim was denied because they said I gave my info out which is part true because while Wells Fargo was calling me that day so was the scammer with the a Wells Fargo number. The scammer already knew everything I only aided in giving the sms code. Either way they knew or should have known there was some seriously unusual activity on my account and they had time to claw back the wires. Dealing with the fraud dept is a literal nightmare. I have filed XXXX complaints through the branch that were never answered. Wells Fargo did absolutely nothing to stop the money from leaving and are telling me to deal with it. I see this same story over and over again when searching the internet. XXXX a XXXX man business and that XXXX is crushing to me. The fact scammers can call using a actual bank numbers is insane. If Wells Fargo had to pay all these claims I bet spoof apps would not be allowed to use bank numbers.

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 2016-07-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a cosigner on a private loan for my nephew with navient. My nephew has a job and has made all payments on the loan. The amount is low enough for him to qualify without a cosigner and he has completed the process to remove me from the loan twice now with a confirmation message from navient. However ; I am still receiving reminder messages for payment due and change of their mailing address. When I call to inquire I am either put on hold or disconnected. On XXXX XXXX, I spent almost one hour with XXXX different staff and was never forwarded to a supervisor as requested. Instead I was placed on hold and was disconnected at XXXX without notice. On XXXX XXXX. I called back and spoke with XXXX ( XXXX ) who forwarded the call to XXXX ( XXXX ) a " supervisor '' who answered after 10 more minutes and than placed me on hold for XXXX more without any result. On XXXX XXXX I called at XXXX left a message for a call back. Received a call at XXXX and was placed on hold at XXXX. At XXXX I spoke with XXXX ( XXXX ) was placed on hold until XXXX when the call was disconnected. This is the most horrendous and inefficient " customer service '' I have ever known.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: MI
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:
Upon XXXX and starting my job, I contacted Navient to begin repayment of my loans. The representative stated that I could not begin repayment until the grace period was over ( an additional 5-6 months of interest accrueing ). I asked if the representative was sure of this, and she reiterated that I would not be able to make payments on the loans yet and that these terms were agreed upon in the loan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX My consumer Rights are being taken advantage of by these debt collectors, Law Offices MBA and XXXX XXXX  for committing identity theft with my name. Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the initial disclosure if any, to direct that such information not to be disclosed to third parties under 15 USC 6802 ( B ) 1c. Not to mention some HIPAA Violations but Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by Law offices MBA and XXXX XXXX  who now says i owe them a debt which on XX/XX/2022. i requested validation and have not received any notice of this attempt to collect until now but they are communicating to me via my consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and I am demanding that all illegal activities of debt collection cease and desist immediately from Law offices MBA and all other third parties involved. If I don't find remedy to cure these violations of my right to privacy under federal law, I will have no choice but to file a lawsuit in which I will be looking for actual damages caused from these companies ' unfair and deceptive practices. Law offices MBA and all other third parties involved to be criminally liable and prosecuted for aggravated identity theft pursuant 18 USC 1028A, extortion, mail fraud and theft by deception. Please note that I went through all channels to get this problem solved and I am giving formal notice that I intend litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I graduated from college in 2013 and have been paying back my loans since then. I started out at around {$42000.00} for this loan and it has only gone down a couple thousand. I tried consolidating the loan, but it was broken up into XXXX different bills and I would get a separate bill in the mail for each. We had bills not arrive on time and when our payments were sent in it would n't read as paid and my dad and myself got docked hard on our credit. It 's now 3 years later and although the payments are easier to manage, it is still not going down due to the interest rates. Each of the XXXX loans have their own interest rate instead of having XXXX loan and XXXX rate. My federal student loan is down and I have only XXXX more till it 's paid off. I am still at around {$40000.00} for Navient, and I pay over {$600.00} a month. My husband is military and travels a lot and I have a physical illness and ca n't work long enough hours to keep up these payments. It would be one thing if I saw my balance due getting lower, but it seems as if it does n't move. I do n't know what more to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a tornado damage our house on XXXX XXXX, 2016. Our insurance company sent us a check within a few days. The check was made out to us and the mortgage company, PennyMac. We signed the check and forwarded it to PennyMac. We have had numerous contacts with PennyMac and are still trying to get the money to pay for materials and the labor needed to do the repairs. They told us my husband could act as a general contractor and not have to worry about the XXXX and all the other paperwork. We sent in paperwork saying he would be paying all the bills and there would be no liens or any other attachments on the property. Now they say that wo n't work and the work had to be started before that would be acceptable. We ca n't begin the work because they wo n't give us the money to finish paying for the materials. I have n't even ordered the new door because we are having so much trouble getting the money to pay the bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Rothstein Acquisitions LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have visual voicemail and this is the message I was left, " This is a very urgent message for XXXX XXXX my name is XXXX XXXX (? ) and I 'm calling you in regards to XXXX (? ) enablement. I 'm now serving your final legal notification. This is in regards to your case number baby XXXX. Very to respond will result in you forfeiting any in all rights for voluntary restitution the case will be forwarded out to the County clerks office in XXXX County to be prosecuted to the fullest extent of Ohio 's State law and suspension of your drivers license. It is very urgent you need to contact XXXX XXXX immediately at 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 2016-02-04
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had my loan for almost 3 years now and never got a 30 day late credit reporting. In fact, prior to my loan being transferred from XXXX XXXX XXXX, I never made a late payment. Since Pennymac acquired my loan, I have not had my payments applied properly and on time. On XXXX XXXX, 2015, I made a payment for my loan account. I mailed a second payment days later. I received information today that my loan was 48 days past due which has never happened prior to Pennymac acquiring my account. Please note I did not receive any statements regarding my loan account until today. Today, I called to make a payment over the telephone. The representative indicated that my loan was late and past due 48 days and 30 day late was applied to my credit report. My credit is very good and I have never made a late mortgage, car, and or credit card payment. Most important, when my loan was service transferred I was informed by a PennyMac representative that negative reporting does not occur until a loan is 60 days past due. Which was not true and deceiving and violated RESPA, Reg X, ECOA, and UDAAP. I requested of the representatives to have the calls pulled regarding my account, and I disputed the negative credit reporting. The CFPB needs to investigate this company as their practices are violating RESPA, Reg X, ECOA, and UDAAP. Pennymac did not apply the payment I mailed in and their representatives gave me false information regarding my loan account. I am appauled that this company can get away with this. PLEASE HELP, MY CREDIT IS BEING RUINED. I am requesting that the 30 day late be removed from my credit report as I mailed that payment and was initially given inaccurate information from a PENNY MAC representative

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, this mediCal debt was given to me without my ok.this Dr showed up to my room and looked at me. I asked him if he accepted my insurance and he said he 's not sure. And I told him do not examine me if your not sure. He examined me anyway. This happened well over XXXX 6 years ago at the XXXX hospital. I have tried to contact this Dr XXXX and I receive no response. Please respond to this message as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
transunion credit reporting company will not remove fraudulent information, 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 2021-03-15
Company: AES/PHEAA
State: AK
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:
Attached is my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is Navient being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is PHEAA reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit card with XXXX XXXX XXXX XXXX has been removed by Experian which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX XXXXXXXX Also auto loan account with XXXX XXXX XXXX XXXX has been removed by Experian which is still open here are accounts still open and have been removed from credit report 1. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

2. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

The above 2 accounts have been removed from report but suppose to be open

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letters to the 3 beaurs and I have yet to receive any information on the investigation. To my understanding it takes about 30 to 45 days. I am very upset this has cause a hardship. I really need help with get this resolved.

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 2016-06-21
Company: BlueChip Financial
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via US mail, which i never received and told me I had 1 hour to contact them back or it was too late

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My client has submitted a request for pre-foreclosure sale with a servicer and has been treated unfairly, and my prior request for the CFPB to intervene has been disregarded by the servicer. The file was assigned to a representative and she has not been following up on the status of the file and I was informed that the property will be foreclosed upon next Wednesday because our offer was low. I requested a valuation review and was told that it is too late and that the servicer is foreclosing. The negotiator 's supervisor will not return calls and they are acting in bad faith. The servicer has mis-represented the case form the beginning and said it is too bad that Virginia laws allow for the foreclosure to happen so quickly. The negotiator refused to give me the name of the person assigned to review the CFPB complaint and said we are going into foreclosure and there is nothing I can do to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
Rushcard had an update to there system which locked me out of my account and I am unable to check my balance and all of my transactions are getting declined. My direct deposit deposited it and the wrong amount was marked up and them removed then a different amount posted to the account. I withdrew and paid as many bills as I could went back to get the rest of the money that was left in my account and it was gone my account know shows a zero Balance there should of been at least XXXX dollars left in the account know there is no money. I cancelled my direct deposit because Rush card customer service will not talk to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: RSI Enterprises, Inc.
State: CA
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:
Hello! 

RSI Enterprises is threatening to claim debt collection to a citation issued by XXXX ( XXXX XXXX XXXX XXXX XXXX ) for a supposed photo " stop sign violation '' and a {$100.00} fine ( now {$130.00} after collection fees ) from 2015. I finally received a collections letter dated this month. There is no available proof online that this even occurred, no video of the supposed violation nor of the driver to prove that I was driving. 

Firstly, I never agreed to pay this debt, therefore this is considered invalid right off the bat. There is not a posted sign at the entrance to this private property park and therefore does not constitute a Legal Contract. Secondly, the laws clearly state that a " promise to pay '' MUST exist before anyone can post to a credit report ... deeming this a false claim on collections. 

It is illegal for out of state companies to claim collections on private property that are n't legally enforced. When driving on public roads and am cited for a violation, by LAW, the officer must have the suspect sign that claims they will be responsible for any/all debts or fees that are incurred by said violation. 

Many others have also had this happen to them ; some fight it in court, some just ignore the claims by RSI Inc.. It seems that ignoring the collection letters is completely valid due to their acting on illegal collections and because there are no DMV restrictions or appearance on credit reports ... just proving even further that this a scam run by XXXX. 

Thanks for submitting this company and hopefully we can fight to take them down with everyone else that has had these illegal debt collections sent to them.

Company response to consumer: Closed with explanation