BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: DISCOVER BANK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On Saturday XX/XX/2022 I completed on online application for a personal loan for {$13000.00} from Discover Personal Loans. From my application, I received an email from Discover saying I may be approved for a loan and prompting me to call and speak to one of their loan specialists to complete the process. I called Discover at XXXX and spoke to a young man who asked for further information, such as verifying the name of my employer and my banking account numbers. He indicated that I was approved for a loan through Discover, would be receiving a welcome packet in the mail with more information, he agreed to make a note to have my loan repayment date moved by one day. He said the last step in the process was to get verification of my employer, simply by uploading my pay stubs to an online portal. After ending my call with him, I received this email and followed the steps to upload my employment verification documents uploaded. However, after typing in my reference number provided in the email, I was not directed to a portal to upload documents. Instead, a letter from Discover was displayed indicating they would not be moving forward with my loan at this time due to being " unable to verify credit information ''. I was very confused at this point. Having just been told 10 minutes prior that I was approved. I called Discover again and spoke with a woman. She looked up my reference number and confirmed that I had been denied for the personal loan. I explained my confusion, since I had just spoken with someone who had told me I was approved and had taken down my banking information. She said she wasn't sure why that had happened and assured me I was not approved for the loan. She was very professional, but was definitely more concerned with making sure I knew I was denied than the fact that someone had asked for my banking information and told me I was approved in error. I would not have given my bank account numbers to someone over the phone if I hadn't been assured that I was approved for a loan and it was necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Spring Oaks Capital, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to spring Oaks Capital LLC several times and they have failed to provide the burden of proof to me in mail over time. Please help me help them follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified in XX/XX/2019 that I had a collections account for {$5800.00} from LVNV Funding LLC. I reached out to the collections company but they are unable to tell me who the original debtor is. For both them and I it shows as XXXX XXXX XXXX. I have never had any contact or account with XXXX XXXX XXXX before this. When I contacted the bank they stated I would have to get my information from LVNV Funding LLC. They have given me the run around but it has resulted in nothing in the last 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet problems. 
My XXXX student loans switched to Nelnet. 
Nelnet increased my interest rates ( they are fixed rates at the time they were taken out and should never increase ). Also, Nelnet increased my length of repayment by 5-6 years. 
XXXX no longer has my original loan info available online so we need to get XXXX XXXX  to provide the original - correct info and nelnet needs to honor the original interest rate and repayment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We called Quicken for rates and fees. The rep stated that the rates were 2.75-3.375. After calling us back the rep stated rates were XXXX points and XXXX. The rep also said we did n't have programs available ft hat were promised for like 1 % down programs during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Malcolm S. Gerald and Associates, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my home over and over again. They call my employment and not my direct phone number, over and over again and harrass my coworkers with questions but provide no information for them to take a msg. They just called my job three times in five minutes to our customer service XXXX #. They are going to get me fired and it is very embarrassing. They are harrassing, provide no information and ask for personal information i would never disclose by phone and that they should have already if i am the correct debt collector they are looking for. They will not provide me with the bill they claim i owe, nor are they providing the original creditor information etc. I would like them to stop calling me as a whole until they can provide me by phone the information that i will need to pay this bill if i am the correct debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After being approved for a business credit card in XX/XX/2021, Comerica Bank was not able to explain how another bank account ending in XXXX was linked to my business credit card on XX/XX/2021. 'See Attachment. '' I have continuously been overcharged fees going beyond the amount of {$3000.00} which I was approved. The bank manager alleges that I had taken out one cash advance which is causing the high interest rate. I can not recall ever doing a one time cash advance. I am continuously being charged over the rate when I have not used the card in a while. Due to severe Identity theft of my business, i.e ghost companies being established under both my tax ID and Soc Security Number, I believe I am being charged for the illegal schemes that occurred throughout this bank.

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 monetary relief
Consumer complaint received 2016-03-16
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. 
XXXX XXXX

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 2022-10-29
Company: TRUSTMARK CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX at Trustmark Bank XXXX XXXX Alabama pulled my credit 3 times for a loan to check my score which she said was a XXXX, and again she pulled it afterwards, and my credit score has dropped XXXX points since then. How I know is I have my credit score on alert from another company who sends me emails letting me know when it's pulled more than once.

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 2022-10-29
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continue to call stating my phone number is tied to debt. Asking for my ss #. Stating " I'm very behind on payments ''. I've never had a loan with this company, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attached a letter, my drivers license and my social security card so Equifax can update my info so I can see my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
I received a late payment notice on a Target Credit Card. I immediately paid the balance that was due when notified. I spoke with the company directly and they said that they remove the late payment from my credit report and the late payments are still showing on my credit profile and they are hindering my home buying process in a very negative way. I have reached out to the bureaus directly and haven't received a response ( its been over 60 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CDS Debt Relief, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Absolutely horrible, horrible, horrible company!!! They steal your money and make a bunch of promises that they are in no position to keep! They are unethical, fraudulent, dishonest, thieves! When I called to cancel and stated I want my money back, over {$2400.00}, they told me they spent it all! I dont know where how or they spent it, but it wasnt on anything do with me! I asked for documentation on how my money was spent/distributed, and I was told they didnt have a record of that! That, is stealing!!! They took XXXX ACH drafts, {$400.00} each for a total of {$2400.00}. They did nothing, nor is there any record of where my money was deposited, let alone how it was distributed! None of my cc companies have been contacted. I received a letter from one of the credit bureaus that what the company is doing is against the law and they are not authorized to be doing what they are doing on my behalf and that their practices are illegal! I had been asking for documentation for several weeks! Sent several emails which questioned what they are doing. They just kept taking money! When they take your money there is zero visibility to any bank account tied back to me or what they promised they would be doing on my behalf. In fact, they just use an open ACH draft, so the only way to stop them from taking my money was to close my checking account! Its all sketchy and bait and switch scam!!! Run, run, run!!! I want my money back and I want it now! I will also be filing a claim with the attorney general and I would encourage anyone else who fell victim to their thievery to do the same. They need to be shut down!!! They also use the business name XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I understand that there are no laws regarding a banks right to decrease a consumer 's credit limit but today I saw where Barclay reduced my credit limit of {$3500.00} with a balance of {$1900.00} to a credit limit of {$2100.00}. That changes this card 's utilization percentage from 56 % to 91 %. This account has been open a year, I 've never missed a payment with them or any of my other accounts in the last 3 years. My overall utilization score was about 35 % and I have no collections and no public records. This is the second company to cut my limit raising my utilization score and lowering my credit score. It 's not fair that I be penalized for using my cards, paying interest and making payments on time, especially when they did n't even consult me about it! They claimed they used information in my XXXX report, which is only XXXX of XXXX reporting bureaus and has out of date information as payments and charges fluctuate on a daily basis and take time to filter through to the bureaus. Someone needs to protect consumers that pay their debts on time and still get penalized.

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 2016-10-11
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Today I read an article ( XXXX ) describing how NFCU has been accused of misleading debt collection practices, to include threatening debtors with legal action when they had no intention of actually following through with a lawsuit. 

In my case, not only did NFCU send me numerous threats to sue me, but they did so AFTER I sent NFCU written notification to cease all collection communication, as per 15 U.S.C. 1692c. 

I have attached herein copies of all correspondences between NFCU and myself.

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 2022-10-29
Company: CITIBANK, N.A.
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I opened a Citi Priority Account with Citi Bank under a promotion that promised to pay me {$700.00} once {$50000.00} was deposited in the account and maintained for a period of time. I deposited {$50000.00} in the account and all of the promotion requirements were met some time ago. I have repeatedly asked Citi customer service and " Executive Response Unit '' when my account will be credited to no avail. I initiated an investigation on XX/XX/XXXX and the analyst was to have resolved this in a time frame which has since expired. No feedback from Citi. I initiated another investigation through the " Executive Response Unit '' on XX/XX/XXXX with no response to date. I have called customer service repeatedly ( XXXX ) but they are in other countries and can not provide any information/update other than to say " it is under review '' and " we wish we could help you ''. They are in agreement with my complaint but can not assist directly. 
I filed a complaint with the XXXX XXXX XXXX  on XX/XX/XXXX and can provide a complaint ID if that would be helpful. I also have the complaint numbers initiated through customer service and the " Executive Response Team '' if necessary. 
I have since learned that the problem I am experiencing with Citi pertaining to promotions and their failure to follow through with payment following the timelines noted in the promotion language is not uncommon.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: AL
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:
I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-12-09
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was originally with XXXX XXXX XXXX. After putting in at least XXXX modification packets it was sold to a company called Selene Finance in XX/XX/XXXX. I received a letter stating that my most recent modification packet was also sent along with our loan. However of course Selene says it did n't receive the information so we had to resend a new packet to them. All of this information was sent and now we are being told after receiving a letter with a check off list of all the documents that were sent that they do n't have them and we are to overlook the letter. That 's not the worse part of my complaint. I have been told for the past few weeks that if I do n't allow a real estate agent in my home to take pictures that our modification wo n't even be considered. I was told on the phone on XXXX XXXX, 2015 that my house is valued at least around {$170000.00} so why in the same conversation you tell me that if we do n't allow someone inside to take pictures of the home you ca n't get an appraisal of the property but they continue to have someone show up at my home almost every other week since they took over the loan. I was also told last week on XXXX XXXX and on yesterday XXXX XXXX that I need to allow them in my home or my modification wo n't be looked at. I have never none this to be the only way to get an appraisal or even be able to be considered for a loan modification when you have everything that you need. I feel as if they have no interest in even doing a modification and for them not being able to come in my home and take pictures will be the excuse they do n't look at our packet and consider helping us save our home. I was told by XXXX to make a complaint here. I really hope it will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported an unauthorized payment to my PayPal debit card dated XXXX XXXX, XXXX in the amount of {$120.00} described as XXXX. 

My card was compromised and was issued a new card. 

On XXXX XXXX, Refund was issued for {$120.00}. 

On XXXX XXXX XXXX, Refund reversal was issued claiming PayPal was not able to resolve the issue with the vendor and regardless I was still responsible for the " Payout of buyer spoof unauthorized '' as the reason they provided. Also explained the refund issued on XXXX XXXX is only temporary but was not disclosed at time of credit issuance.

Company response to consumer: Closed with monetary relief