BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-29
Company: Dream Center Education Holdings
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX XXXX XXXX ( XXXX, Ga ) is a for -profit school that is holding my transcripts hostage for what they claim I owe {$3900.00}! I attended this university in good faith for XXXX years until suddenly I " maxed out '' my financial aid. Now, it 's kinda odd that this would happen when I 'm XXXX credits into my XXXX credit degree program, but I 'm not the only one this seems to happen to. This school is STILL trying to make a profit off of me even though I could not pay out of pocket to continue my education with them. They are now preventing me from moving forward with my education and are hindering my quality of life!

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 2015-07-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Husband received Loan Modification for Mortgage XX/XX/XXXX. Husband died XX/XX/XXXX. I filed for Hardship and received constant delay tactics. I tried to pay off Mortgage Loan by sending {$160000.00} to offset the loan and get it to an amount that was affordable since I had not received permanent notification. When I received an amount for the hardship, the amount was higher than the original amount. Tried to get this matter resolved especially since I just paid against the Principal of {$160000.00}. So, I requested to keep the mortgage amount where it was originally since the modification did not work. GreenTree stated that the large amount was due to taxes, but My husband is a XXXX Veteran and XXXX. explained that the valuation of my property decreased so the taxes are less. GreenTree reported derogatory information against my credit report. Very distraught how the family of a XXXX Veteran is treated by GreenTree. I provided them with {$160000.00}. to get the loan paid in full, and continued harassment. The original signed loan agreement for the modification from my husband indicate that the amount in deferment may be due or paid when the Property is sold. I should just be paying taxes on the property and nothing else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We got behind on our house payments, and the mortgage company would not take our money, we had the money to catch our late payments up, they sent us into foreclosure. We got the run around on the amount we needed to send in. We finally got a letter from the attorney stating the amount owed via a certified check. I took the check to the attorney in person and received my reinstatement letter. The mortgage company has not post the funds to the account, they are now telling us that we may owe more on the account. They have had our money since the XXXX of XXXX 2015, we were told it takes 48 hours to post and it has been 4 days. We have gotten several different people and they all give us a different reason. The letter stated that we had until XXXX XXXX, 2015 to pay the total to get the reinstatement, I did this and now they are telling us to call back XXXX XXXX to see if we owe anymore money. They have charged us a " forecasted '' late fee and have also charged us for an inspection done on the property for XXXX that was done in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been a Bank of America customer in good standing since 2011, using a number their services. Recently, my savings account was frozen by the bank 's risk department without notice. The account was not overdrawn and had a steady balance. I was informed over the phone by a representative from the bank 's risk department that the bank had " made a business decision '' in closing my account. I was given no prior notice of the closure or reason for the decision, and I temporarily lost access to online banking for all my accounts ( including checking, credit, and money market savings ). The representative said I could resolve the issue at a financial center, where a bank representative would deliver me the funds " if they had the ability to do so. '' It took three visits over ten days to a local branch to finally get the funds released and the account closed. By the end of the first visit, I told the branch representative that I wished to end all business with the bank. Realizing that the account closure was likely an error and not wanting to lose my other accounts, she attempted to get me to keep my savings with the bank and ( I believe ) intentionally stalled closing the relationship. After each visit, I was told that the matter would be resolved and that the branch would contact me once the funds were released and the account closed, but I never received any contact or follow-up. I was unable to talk with the risk officer and the branch manager provided no further information about the situation. The bank was uninterested in compensating me for work hours lost attempting to resolve this issue. Once the funds were released, the bank dragged its feet in permanently closing the account as I had requested, presumably because they were attempting to retain my other accounts. Given that the bank chose ( for no expressed reason ) to close my account in the first place, I find it troublesome that I was forced to make several phone calls and three trips to a branch before they actually closed the account and returned my money.

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 2016-05-21
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.

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 2023-03-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This claim is a continuation of claim XXXX which was closed without resolution. 
I have had a XXXX  credit card with XXXX XXXX XXXX since XXXX, with a credit limit of {$16000.00}. I have had no problems with the account until the transition from XXXX XXXX XXXX to Comenity Bank in the first week of XXXX. I made two payments to my act in the amount of {$5000.00} each, one from my XXXX XXXX Account on XX/XX/XXXX and another {$5000.00} payment from my XXXX XXXX  Account on XX/XX/XXXX. The latter payment was never credited to my account, and remains so to this day. I have submitted proof of payment provided by XXXX XXXX, who volunteered to doi a conference call to sort this out. XXXX XXXX  was told that Comenity would not allow third party involvement, though this is the bank that made the payment. 
Furthermore, I was assured at the beginning that the disputed balance, interest and fees would not be reflected on my statement until after resolution. In spite of this the ( paid ) balance, interest and fees on same, have shown continually on my statements. This behaviour by Comenity Bank has harmed my credit rating and good name. This has caused me to lose much sleep as well as having no credit card to use. I never activated the card as I do not trust Comenity Bank. 
I have no debts at all ; vehicles and properties are all paid for. My debts to XXXX XXXX XXXX and Comenity are all paid off as well. I owe zero, the same can not be said for Comenity Bank. This should have been a simple ledger correction, yet Comenity Banks failure to address this in a timely and competent fashion finds me in continued financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a Rushcard and my pay is deposited twice per month there has been an issue with customers of Rush including my self with having access to our money for more than a week some longer. My most recent issue is that my balance is not correct. Rushcard is saying that a gas merchant is holding XXXX for XXXX gas transactions XXXX for XXXX the other for XXXX. I have use this place XXXX of times now all of a sudden they are holding XXXX of my money for XXXX worth of gas, my balance with Rush changed 5 times in one day and on the day i got my deposit into my debit card less than half my pay was in there, that is due to Rush and not the merchant. Their was and is a problem with my availble balance because of Rush, if the merchant is holding my funds it is out of concern that Rush will not pay or when the merchant submits for payment that person will show no funds available because of the issues at Rushcard I have no money to finish paying my bills. XXXX remaing bills are for insurance and if not paid they will lapse. Nothing fair about this, people are suffering in many ways due to Rushcards carelessness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: MI
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:
I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My complaint is with Rush Card from XXXX XXXX on XX/XX/XXXX I received an email telling me about a maintenance cleaning that they were going to be doing and that it would only last for four hours the next day I thought it was fine and that I would be able to pay my bills ( pay-cellphone bill, gas in the my car, buy food for my kids, get costumes, buy personal things for my self ) but everywhere I went they told me that my card was declined. and I 'm still struggling today because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
I have a Rushcard account, which I opened XX/XX/2015. I have been adding funds to the card without any issues, However, on XXXX XXXX, 2015, I added a total of {$1000.00} to the card XXXX XXXX separate transactions of {$500.00} each ). There is no record of the the reload that I made on XXXX XXXX. On XXXX XXXX, I added another {$500.00} to the card, which is also not being reflected when I call Rushcard 's card services automated line. I called the company on XXXX XXXX and was able to speak with a representative who told me that they were updating their systems and that the system would be working by XXXX XXXX on XXXX XXXX. I checked my balance again on XXXX XXXX, and my balance was still XXXX. I called Rushcard again and spoke with a representative who asked me for all of the numbers on the receipt, including a transaction number. Once I read every number on the receipt, I was informed that none of those numbers were recognized by their system. She then told me to go back to the retail outlet where I reloaded the card to ask them for the transaction number, I did and was told by the store manager that the numbers on the receipt should suffice for Rushcard to identify my reload. I called Rushcard again on XXXX XXXX and told the representative what the store manager said, and at that time the representative told me that she would escalate my complaint. Since XXXX, I have not received a response from Rushcard, and to make matters worse, I have called card services at Rushcard at least 30 times since then. When I press " XXXX '' for a representative, the phone rings once or twice and then I am disconnected. The automated system is still reflecting a XXXX balance on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-03
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I have been a customer of Rushcard since XX/XX/XXXX. On XX/XX/XXXX i received a refund over {$2400.00} to my rushcard from my Home Mortgage Insurance company. Rushcard immediately froze my account and labeled this matter as fraud. They would not even allow me to access funds i already had in the account before the refund was deposited into my account. i sent in proof of my identity and the insurance company sent in proof of this transaction showing it is legeit. Rushcard will not allow me still to access the funds that were previous in my account. i have XXXX kids to feed and i have no money because all of my money was on my rushcard debit card. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CAC Financial Corp
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Do not owe CAC Financial a penny. Reported several derogatory accounts on my bureaus. Approxiamately XXXX times in fact! Never signed a contact with them, Dont know who they are. Also listed them as medical which is againt HiPAA regulations. I sent a certified letter asking for validation with my signature and they failed to provide it! I have gotten turned down for a mortgage, credit cards, and my insurance payment is extremely high as a result of this! CAC has ruined my credit and basically my life at this point.

Company response to consumer: Closed
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I am a customer with rush card / meta bank and I have not received my direct deposit that was processed by my employer and I have been unable to contact customer service to get any updates as to when I will receive my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, 2015 I should have received my direct deposit from my employer to my Rushcard account and I did not receive it. I tried to access my account through my mobile app and I got locked out. I called the customer service and every call I got two different types of responses. One response is that I have an available balance but it was from XXXX XXXX, 2015 not the previous pay period on XXXX XXXX, 2015. The second response is that they 're sorry but they ca n't access my account and I 'll be directed to an customer service representative and the phone would hang up on me. I also noticed it is XXXX different female voice operators. Numerous times the phone hung up on me and I only spoke to XXXX representative XXXX separate times and when they told me the issue and said they were going to resolve my account issue they had me on hold for over and hour and when I would call back the phone hangs up before it can even ring or the holding music plays. I called again on XXXX XXXX, 2015 and spoke with a representative on how can I have them send the deposit back to my employer and I got put on hold for almost over XXXX minutes. I see I 'm still apart of the ones whose account issues did not get resolved and it 's holding me up from paying rent, bills, food, gas and other necessities. Mind you it has been over two weeks now and I still have n't got an email, text or anything in the mail about the issue or contacted about how they apologize for the action and how they were going to resolve the issue. Very unprofessional and I feel like I 'm being scammed and I want everything owed back to me and I want to close my account with Rushcard and I do not want them to have any of my information no longer nor conduct any business with them because this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Starting XXXX XXXX 2015 I was not able to use my rush card to access my money due to what they called a update that was suppose to happen at XXXX and end by XXXX the same day. It end up going on for several weeks. I was locked out of my account my debit card was inactive for several weeks. My direct deposit was late. I also incurred late fees for bills that did not get paid because I have no access to my money. When I tried to call customer support I was hung up on every single time not even getting the chance to speak with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
My direct deposit still is not going through on my account. Same issue last week. I can not pay my bills and this is the second time within ten days I have trouble accesing my money. Customer service keeps hanging up the phone on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
When my loan was transferred to Ocwen the balance on my loan was increased by nearly {$25000.00} with no reason. 
Ocwen told me that is the balance they were given when they took over my loan. 
I asked for proof but they said they had no way of getting the history on my loan since the other mortgage company was closed. 
How can they do that? Should n't I be able to get the history on my mortgage? 
I know that the loan on my House is transferable but I should be given something other than here is the new mortgage company & where to send my payments. 
Ocwen Mortgage has never been helpful on this matter and I do n't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid my Victoria Secret account off in XXXX of 2022. I am trying to buy a home. I was told the account was closed. Was suppose to be sent a letter stating it was closed. I received call last week telling me i had a {$64.00} balance. I was then told it was because they reopened my account because they had to charge a {$2.00} interest fee. AFTER I PAID THE ACCOUNT IN FULL AND IT WAS SUPPOSEDLY CLOSED. I since XXXX, i have had multiple late fees reported to my credit. My score is significantly lower now than it was when i closed the account, all because of this card. I have paid off almost every single penny of debt I have. Except for student loans.

Company response to consumer: Closed with non-monetary relief