BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: STATE EMPLOYEES CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
We were notified that due to too many NSF fees our account would be closed. I went to the branch and we discussed our plan to help this situation. Since then I did have two more that I was under impression I took auto pay off because the dates didnt match for a good time to be pulled out. Since that XXXX, 2 business days later my husbands and I were Immediately took from our account login and debit card accessible to be used. We received no phone call warning this or letters for this time of round. We are trying hard and I was just in the branch and its not even been 30 days to get our finances on a new schedule with my husbands new job and the branch went ahead and closed our joint acct. we have a good jobn with income and very confused and upset and hurt this credit union was not more understanding for struggling low income family like ours. We have three kids and we cant afford to just have us cut off with no date of when this would even be effective. Credit union 's are suppose to be helpful and not like your traditional franchise banks. Not one time did the bank reach out for solutions, I had to dig and go up to the bank personally. Even then it was of very little. As a low income mother just working full time to get by, a little more advice and solutions would go further then penalties, and fines everywhere. 

Please help us.. 

Date of birth XXXX XXXX XXXX Name : XXXX XXXX XXXX Last 5 of social : XXXX Joint acct ending XXXX Cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: CITIBANK, N.A.
State: AR
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:
This is not an account I want nor need applied for

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 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
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 Account # 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 DEPT OF EDUCATIONXXXX

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 2020-03-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Navy federal closed my account due to security reasons. Its me, I dont know what else to tell them. I have a credit card thru them with a {$7000.00} credit limit and they just XXXX the account down. Im not received any valid reason and they are being difficult. So in order for me to make payments I have to get my mom to go to the bank every month or I have to leave school in XXXX, Im in XXXX and drive to XXXX to make payments because I can no longer just login to make payments. Not only did they prohibit me from accessing cash I had in the account, closing the account also ranked my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech gave a deadline of XXXX XXXX, 2015 for me to respond to their modification offer. The offer adds " expenses '' to my new modified balance that are not explained. I sent a Qualified Written Request asking for an explanation of these expenses, but Ditech has refused to give me information. 

On Wednesday, XXXX XXXX, 2015 my wife XXXX called Ditech at XXXX about sending a Qualified Written Request asking for information about your modification offer. She was told to fax the letter and specifically told she did not need to send it by mail. 

She followed up by calling Ditech at the same number on XXXX XXXX, 2015. She spoke to a Ditech representative at extension XXXX. That representative said Ditech would not provide any information to respond to the Qualified Written Request that was faxed to Ditech on XXXX XXXX. 

The Ditech representative claimed the information I asked for was already included on page XXXX of the modification, but that is completely false. I asked for an explanation of the charges, and page XXXX simply lists XXXX very broad categories of charges with no explanation. 

Specifically, the letter from Ditech dated XXXX XXXX, 2015 includes a permanent modification offer and says that the " new balance '' of my modified account includes " past due interest in the amount of {$14000.00} '' and " eligible servicing expenses of {$13000.00}. " In the fax of XXXX XXXX, I requested a detailed list and explanation of what is included in the " eligibile servicing expenses of {$13000.00}. '' I also asked for an explanation of how the " past due interest in the amount of {$14000.00} '' was calculated. 

I submitted a new Qualified Written Request asking for this information again by fax on XXXX/XXXX/15 and by mail on XXXX/XXXX/15. 

But I am concerned that due to the Ditech 's refusal to respond to my original request, I will not have the information I need in order to respond to the modification offer before XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The service provider is still contacting and harassing me about student loans. Under COVID-19, payments are supposed to be postponed, yet I'm still receiving emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: United Shore Financial Services, LLC
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:
In XX/XX/XXXX, rather than sending one monthly payment, I submitted bi-weekly half payments to United Wholesale Mortgage per the attached document. Couple weeks after the initial payment, I noticed that my online account did not show the payments posted. I contacted UWM to inquire about the account, and at that time I was informed that they don't accept partial payments. UWM refunded the third payment with a check that was cashed, but the first two checks were not received and sat in a suspense account without posting them to my mortgage. Starting XX/XX/XXXX I continued to contact UWM and requested them to transfer the funds in the suspense account to my mortgage to remove the late reporting, but their response was that they were researching the issue and it would take a couple of weeks to resolve. From XX/XX/XXXX until XX/XX/XXXX I continued to call on a weekly basis requesting updates on the resolution to no avail. I requested multiple call backs from supervisors, but they never called. It wasn't until XX/XX/XXXX that I was able to reach a supervisor that cared enough to apply the funds to my mortgage and clear the account. Attached you will find the list of payments they received and how they were posted, and you will also see that nothing is reported late. 
Their failure to apply the funds sooner triggered the late credit reporting, and they are unwilling to remove it. 
This has adversely impacted my credit score and the ability to open new accounts. I can't apply for new credit because I have been turned down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is regarding Account # XXXX. I notified Chrysler Capital and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX Chrysler XXXX XXXX XXXX in XXXX XXXX XXXX was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in Chrysler Capitals possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle XXXX # XXXX. I asked that Chrysler remove this account from all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: BB&T CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am a costomer of BB & T and have been for XXXX years.I own a home and auto and owe nobody anything except a hospitol bill.For the last decade i have been helping my mom and dad with their health problems.I put in for a loan at BB & T for amount of XXXX.They turned me down saying i didn`t have enough credit.Given their logic nobody comming out of high school or collage will ever be able to do banking with them.When i ask for an address for the board members to send them a letter complaining about this, they keep stonewalling me and will not let me complain directly.It seems that they are trying to hide incompadance from upper management.The paperwork i recieved from my loan applacation is very sloppy.Next i will contact the XXXX on banking.If BB & T doesn`t wish to take care of taxpayers then taxpayers need not loan money to this type of a 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 explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I attempted to remove the following names and social security numer from my credit report however the CRA refused to allow me to dispute the information. I am fearful that these variations may be the attempts of someone trying to steal my identity or someone elses identity merged with my own. 
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 explanation
Consumer complaint received 2022-07-11
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022 : I received a debit card on XX/XX/2022 that I did not apply for. I attempted to call the Netspend customer service number and was unable to talk to a representative during a 30 minute wait time. I called 5 times with waits of over 15 minutes, and still to no avail. There is no fraud number available to reference to in the caller menu, as I was attempting to report this account as fraudulent.

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 2021-04-19
Company: WELLS FARGO & COMPANY
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 belongs to someone else

Complaint:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2016-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went to XXXX seeking help to modify the interest on my home loan. When we ( wife and I ) signed the documents, with Select Portfolio Servicing who were with with XXXX, we were not aware of the final balloon payment on the interest bearing principal balance added to my mortgage. I was never given a copy of this agreement. I became aware of this recently when I asked the homeownership counselor what my final payoff will be, the told me about this new balance on my mortgage. I feel that fraud and misleading information has taken place. This organization was not upfront nor honest with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Please do not close this complaint stating that this is not me. I am writing this because, I sent TransUnion letters disputing the validity of the inaccurate/fraudulent information that they have on my credit report. I reached out to this company about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for this company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.

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 2021-08-25
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services used an incorrect address in all of their communication attempts. The initial biller, XXXX XXXX, also used an incorrect address. Therefore, I never received any communication from the collection agency or the biller about this liability. 

The debt was paid immediately after I discovered it, after applying for a mortgage and it learning that there was a medical collections on my credit report.

I've attempted to work with both the biller and collection agency to have the collection removed from my credit report, as they failed to communicate with me. Both have been unwilling to assist.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recieved in the mail a credit card statement from Capital One with a XXXX   balance and a due date of XX/XX/20 for an account ending in XXXX. I do not, nor have I ever had a credit card account with Capital One. I called the customer service number on the statement ( XXXX ) and reported the problem. The agent said that I had to give him my 9 digit Social Security number in order for him to resolve the issse. When I refused, he said that there was nothing he could do for me without it. Since I am not, nor have I ever been a Capital One customer, I don't understand why they would need my Social Security number or how it could possibly help them resolve an incident of fraud. ( They also asked for my date of birth which I gave them ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze on my account with Equifax after their security breach. I was identified as a victim of that breach. I tried to unfreeze that account. I'd saved my PIN and thought this would be a straight-forward process. Equifax apparently has erroneous data on me in their database. I can not login online and was instructed to call an 888 number. I did so and a machine asked me four initial questions. Then the machine said they'd need to ask two more questions. I was then asked a question in XXXX! I do NOT speak XXXX! When I finally got to speak with a human being, she kept asking about my previous credit cards and department store credit cards. I've never, to my recollection, had a department store credit card. I've had the same bank account credit card for the past 18 years. But that was apparently not the credit card she was looking at on her terminal. She asked about a personal loan and an automobile loan. I believe I may have had a personal loan with my wife in 1985, but am not quite sure. I've no idea if that was the " personal loan '' she was speaking of, but I have not had another personal loan since. Also, I haven't had an automobile loan in 14 years. I remember it was for a XXXX, but I don't remember who the dealership arranged financing with and it was paid off over a decade ago. I told her all this and then she hung up on me. This was after being on hold for 20 minutes! 

They will not let me unfreeze my account and it is all because they have bad data on me in their database! 

The settlement they reached with the federal government should have been that they closed all operations. It is a disgrace how they operate. I need to co-sign a car loan for my daughter and I am completely stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I need help working with Select Portfolio Servicing on my home mortgage. They advised me to not make payments to qualify for HAMP modification. Now, they have told me that I do not qualify for HAMP modification, and the home is in foreclosure. I only owe approx.. {$18000.00} on the home. Select Portfolio Servicing ordered an appraisal that values the home at {$67000.00}, 2 months ago. They have started foreclosure only since the appraisal was received, and they knew the equity was in the home. I have spoken with my local bank and they said the " ability to repay '' for my husband and me is within policy, according to the new XXXX XXXX requirements. We have fixed monthly income from Social Security and my husband 's pension. The only debts we have is our car loan and we recently paid off a small debt to " Whynotlease? '' We really feel they have advised us not to make payments until the review was completed. After the review was completed they said we did not qualify for a modification, and they began foreclosure. They realized there was equity in the home, and proceeded to foreclose for benefit of Select Portfolio Servicing. 
Please Help!! 
XXXX XXXX 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 2022-08-04
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:
Care Credit card was closed due to other cards having higher balances and rotating credit. This card has no balance and has always been in good standing. Im not sure why my account would be closed due to any other card or account having any balance when I have paid them on time and in full always. Representative informed me that there was nothing I could do except reapply. I have had this card for quite a few years and suddenly there is a problem due to something that has no effect on this account whatsoever. I am very displeased with how this has taken place.

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