BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-06
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchase XXXX variable load prepaid VISA gift cards ( issued by US Bank ) from XXXX grocery store, with {$500.00} loaded on each. Before I even had a chance to use any of the prepaid {$500.00} gift cards, I discovered that small charges to The Gap had been run on all XXXX cards, and that XXXX cards had the remaining balance charged at XXXX. Upon logging on to the www.mygifcardsite.com to see each card 's transaction history, I discovered that all XXXX gift cards were already registered to some other person and that charges had been run on all XXXX cards. I called the phone number on the back of the card and reported this fraudulent behavior. The Cust Svc Rep indicated that since charges had already been run on the cards, they could block the cards and that I would have to FAX information - including name, address, contact phone number, card nr, CCV nr, Exp date, and copies of the cards, front and back, along with the purchase and activation receipts to the Lost/Stolen Replacement card FAX number and also to the DISPUTES FAX number. The Cust Svc Rep indicated that since charges had been run US Bank could not just simply replace the card with the {$500.00} purchase balances until there is Dispute Resolution for the fraudulent charges - which can take up to 60-90 days. I believe this is quite a long time to wait for replacement cards with the full {$500.00} each value after I was victimized for fraud. The Cust Svc Rep indicated that they get many calls like this - so it appears that the bank is aware of this type of fraudulent activity with their variable load VISA gift cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have had a savings account with TD Bank since 2011. Last week, based on a conversation with a bank teller at the following TD Bank , N.A . location ( XXXX, XXXX, PA XXXX ), I was told that the type of savings account I currently had ( interest rate of .15 % ) was no longer offered. I was also told that I should have been switched to a high yield interest savings account ( interest rate of .50 % ), however, no attempt by TD was made to communicate/switch the following : ( a ) communicate that my current savings account was no longer offered ( b ) communicate that I qualified for other savings accounts actively being offered ( all of which had higher interest rates ) ( c ) switch me into a savings account automatically that I qualified for. 
Additionally, as none of the current savings account offerings at TD had any major fees/restrictions, THERE IS ABSOLUTELY NO REASON ANY CUSTOMER WOULD HAVE ANY ISSUE BEING SWITCHED INTO A HIGHER INTEREST RATE SAVINGS ACCOUNT. This suggests that TD Bank may be solely interested in their own financial gain at the expense of the customer who is kept in the dark. 

What makes matters worse is that I have qualified for high yield savings accounts since I opened an account in 2011 ( as no minimum balance is required ) ; certain years I was receiving the appropriate interest and other years I was not. I raised this concern with the XXXX/Store Manager who told me they would not compensate me for interest that I would have accrued during the years that my interest was sub .20 %. The irony is that I am only asking for the minimal interest I feel I am owed on the LARGE balance I maintain in my savings account and not the profit TD made reinvesting my money over the past 6 years which, I can assure you, is a much larger amount than the interest I would have received in the first place. 

In closing, although my primary concern is my own financial situation, this may be part of a much larger and potentially more serious issue whereby TD Bank is not being open and transparent about the status of their customers accounts ( e.g. when accounts are created/changed/no longer offered ) and the financial impact it may have on their customers. As we saw with XXXX ( where accounts were being created/cash was being moved to boost sales numbers without customer authorization/intervention ), my suggestion would be that you open a full investigation as to how TD manages their customers bank accounts and, perhaps more importantly, the extent to which they attempt to communicate the best banking services/solutions for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Novad Management Consulting LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My husband and I took out a reverse mortgage in XXXX. At the time, we did not need any extra money, so we made no provision for taking money from our equity as it grew over time. My husband died 3 years ago, and now, XX/XX/XXXX, I need to draw a sum of money from my equity. The mortgage company, NOVAD, says I HAVE NO EQUITY in my home, even though a drive-by appraisal done in XXXX, XXXX, appraised the property at a minimum of {$380000.00}. NOVAD also has told me that if I should sell my home ( I do not want to sell ), I can ONLY SELL IT FOR WHAT IS OWED. That is not true. Nor is it true that I have NO EQUITY in my house. 

Last week I received a letter from a company called XXXX XXXX XXXX, saying I " am qualitied for the HECM program '', and that I can access my equity of {$160000.00}. They gave me a " case number '' of XXXX ''. I know nothing about this company, so I have not contacted them. 

My financial well-being at the point in time depends upon my being able to access some of the equity in my home. I do not understand why NOVAD tells me I do not have " XXXX XXXX of equity ''. THEIR WORDS, not mine. I have NEVER in my life NEEDED extra money, but I do now. I live on Social Security and a small pension, and I need some extra funds to pay a couple of bills, plus have the money to have my house painted ... I live in an HOA and they are sending letters around to the residents giving them a date for repainting, which we, of course, have to pay for. I do not live in a condominium, all the houses here are independently owned including the land ... however, this HOA is " considered a condominium '', which makes absolutely no sense, but there it is. 

Please help. I know that I have equity. I know that that money is mine, it is not NOVAD 'S. Please help me to access it. I have no other recourse. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: LEXISNEXIS
State: IL
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:
LexisNexis has been reporting an old inaccurate bankruptcy on my credit reports since XX/XX/XXXX. I have sent them a letter regarding the inaccuracies that's being reported to XXXX and on XX/XX/XXXX I was sent a response from XXXX that the incorrect information has been investigated and is accurate. I responded to XXXX and explained that LexisNexis is reporting the wrong date and it's been 10 years reporting these inaccuracies and should be deleted by now. The other information that's incorrect is the status of this bankruptcy that was immediately discharged due to me not pursing it so it should've never been reported. XXXX did not do an investigation before reporting to XXXX. This bankruptcy was removed from XXXX XXXX as it has inaccuracies. I called XXXX on XX/XX/XXXX and spoke to someone named XXXX who said they will start a dispute and that's when LexisNexis reported that this over 10 year account is accurate when it's reporting inaccurately. The account # XXXX. I called the XXXX Bankruptcy court on XX/XX/XXXX & XX/XX/XXXX and was informed by a person named XXXX that they do not report to credit bureaus but LexisNexis gets consumers information and reports and don't always report accurately. XXXX also told me that bankruptcies only remain in the system for 7-10 years and what was reported for me was passed 10 years. This should immediately be removed and not continue to report inaccurate data & dates to deframe my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my Equifax and XXXX credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that Equifax, and XXXX remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX, XXXX XXXX Thank you in advance for any support you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To : CFPB XXXX XXXX XXXX, OH XXXX XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of any medical bill taking place in XXXX ( where I have never lived ). I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XX/XX/XXXX my balance at Discover Student Loans was roughly $ XXXX. Since then I have paid about $ XXXX in total payments ; $ XXXX towards interest and $ XXXX to principal. XX/XX/XXXX my pay off balance is roughly $ XXXX, not sure how $ XXXX of payments resulted in only $ XXXX reduction of the total balance. I have taken every action to help me lower all expenses and maximize my income, but still struggle to pay the min. monthly payment of {$850.00}. Other loan servicers like XXXX XXXX and XXXX have helped me lower my interest to help me with my overall balance. XXXX XXXX provided rate reduction programs which brought my interest from 11 % to 3-4 %, but Discover claims they are legally obligated to not change the terms on my loans? As an XXXX-XXXX yr old I was told after 24 payments I could have my co-signer released from my loans, but now Discover is claiming after 24 months I can " apply '' to have my co-signer released. I continued to do my best to not default on these loans, because I was hoping I could have my co-signer released from this loan so that when I went to a 3rd party for consolidation we would get approved. In efforts to not default I have had to put a lot of expenses on credit cards. Doing this has caused my credit score to drop because of high utilization rates ; this hinders me from being approved for loan consolidations. I have applied for consolidation through various different banks and credit unions ( before high revolving credit issue ) but was turned down because " loan amount is too close to principal amount. '' How I am supposed to go to a 3rd party, as Discover is so willing to suggest, if I wo n't get approved? My co-signer makes about $ XXXX a yr and with this original Discover Student Loans balance on their credit it is unlikely we get approved for another $ XXXX loan. I need help in understanding how Discover is allocating my payments? At this rate I do not feel as if my loans will be paid off in the term. I would like Discover to help me reduce interest rates for a short time to help me lower principal so I can qualify for a 3rd party loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: DISCOVER BANK
State: AR
Product: Credit card
Issue: Billing disputes

Complaint:
My granddaughter XXXX XXXX is XXXX in college with XXXX scholarship in XXXX, Ar. Her home is in XXXX, Ar. approximately XXXX miles from XXXX. 
She injured her XXXX and someone suggested she go to trainer ( XXXX XXXX ) for XXXX. XXXX XXXX works at XXXX XXXX in XXXX Ar. I authorized XXXX to use my Discover card ( XXXX ) as payment for one month of XXXX, consisting of XXXX XXXX secessions for total of {$300.00}. 
XXXX met with XXXX XXXX and agreed on a XXXX month treatment program of XXXX XXXX. XXXX was asked to sign an electronic pad. XXXX never received any copy of the contract they placed her signature on. She attended the XXXX XXXX as agreed and then never went back. 
After 3 months I noticed the monthly charge of {$300.00} & {$21.00} on card statement. I called XXXX and she said she did n't know what charges were for because she had completed her agreement and had not been back. 
I called the XXXX XXXX office and after a discussion requested a copy of contract. I ask them to stop charging the membership, and they stated that there would be a cancellation fee of {$200.00}. They stated that XXXX signed a contract for 12 months and not 1 month. XXXX stated that she would never waste my money by signing a one year contract, knowing that she would only be in XXXX during school and home in XXXX the rest of the year. 
On XXXX XXXX I called Discover and requested a block payments from XXXX XXXX XXXX XXXX ( the owner of XXXX XXXX in XXXX, AR. ). I then called XXXX XXXX. He agreed that XXXX only received XXXX treatments. He said they would refund the other charges and remove her form their data base. A few days later XXXX forwarded an email from XXXX stating that there would be no return of unauthorized charges. 
Enclosed are copies of disputes and block charges with Discover and email from XXXX XXXX, and copy of contract that XXXX name was placed on without her knowledge or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30
Company: RFNA, LP
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Had a check returned by mistake from my bank to Republic Finance, they ran the check back through the bank and the bank paid it. I still paid the XXXX or 35 dollar fee. So from then own the XXXX or 35 dollar fee was added to my payment of 188.00 dollars every month. I paid my bill on time every month have bank records to prove it. I did not pay the fee every month just my XXXX payement. Now I have paid them off they say I owe XXXX in fees of which I am not going to pay. It was their problem not mine, I meet all my payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX/XXXX to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: OH
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 have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

XXXX Reporting XXXX, XXXX XXXX XXXX Reporting XX/XX/XXXX Equifax XXXX XX/XX/XXXX But they keep hassling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: U.S. BANCORP
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been having issues regarding my prepaid card that came from XXXX. 
When I was originally given this as a gift ( the receipt was thrown away ) from a relative on XX/XX/2017, I have never had this problem when it comes to accessing the website. 
I went to XXXX ( where the card is from ) and signed up and registered my card as followed their instructions. Since then, however, I can not access the website at all ( logging in or making a new account ). 
You log in to check your card information on the website by using the 16 digit card number on the front and then confirm the security code on the back in order to successfully log in. 
When I tried this again after registering, however, I got the error : " We are unable to process this request. Please call the phone number on the back of your card for additional assistance. '' So I have called them ( three times ), and each time no success. According to the customer service, I still have money in my balance ( {$50.00} ) and I am registered, but can not login whatsoever and they did not understand why. My recent call told me that they could not do anything to fix my situation unless I requested to " escalate the situation '' with their " offline team '' ( which they did not give me their contact information because they said they can not due to regulations ). 
This is a huge problem because I can not use my card whatsoever or the funds for purchasing. Even though it is registered, I can not use my card for anything because of what I believed was a " login '' issue but it could be fraud/scam or possibly something of that nature. 
I have had this problem for over two weeks and multiple calls to no avail. I wanted to file this complaint because of this issue that prevents the usage of my card that may be a much more serious issue but I do not know because I am getting little to no information from them that could help.

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 2021-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2016-05-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
THIS COMPANY PRESSLER AND PRESSLER LOCATED AT XXXX XXXX XXXX XXXX, NJ XXXX THIS FIRM IS KNOWN TO RIPP PEOPLE OFF, IT 'S TIME TO REVEAL THIS LAW FIRM FOR WHO THEY ARE THEY THREAT PEOPLES, THEY BECAME RICH RIPPING PEOPLE COLLECTING OFF THE POOR, THIS FIRM NEEDS TOO BE SHUT DOWN THEY ARE FRAUDLENT LAW FIRM, THE ARE THREATING TO TAKE MY FUNDS, PLEAS INVETIGATE THIS XXXX, THEY ARE HARASSING ME THIS IS UNJUST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my XXXX and Equifax credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and Equifax, sent both of those credit reporting agencies copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment was never filed, but that is wrong. The judgment has been satisfied. I need this item removed from my XXXX and Equifax credit reports, as it has been paid and satisfied.

Company response to consumer: Closed with explanation