BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
During late XXXX through XXXX until XXXX I was making payments... the system kept saying my bank was rejecting the payments but yet most showed on my bank statement ... my bank also said they never rejected my payments to the credit card ( issued by fortiva )... so all my payments were reversed ... I called them and told them what was happening but never received a return phone call from management ... I finally made a payment to close the account over the phone with an agent in XX/XX/XXXX thus paying off the card and the account was closed ... in XX/XX/XXXX I get a text message from them saying I owe them. I called the company and the agent mumbling barely understandable said I owed {$400.00} for reversed payments that happened in XXXX. I did not have an account opened at that time and I had already had a phone agreement saying I was completely paid off ... now over a year later this comes back up. I told them several times there computer system was screwed up and it needs to be fixed and checked. Apparently they paid no attention to this issue as it comes up again. There are many bad reviews about this company ( Fortiva ) and the way their app works... I believe they also have fake in company personel creating positive reviews. To say finally I paid off this card completely!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them informing me that I owed them anything and rights were violated under the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Comerica
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I work at a XXXX. When trying to order a payoff for a Comerica HELOC ( we had signed authorization to fax ) we were told by customer service that they will no longer provide payoffs to 3rd parties on Equity loans regardless of signed authorization from the borrower. We then asked the seller to obtain the payoff for us. When he called the lender, they told him they could not fax a payoff and would only provide it by mail and it would be 5 day turn around time. The seller then went to a branch of Comerica to try and speed the process up. They told him verbally the payoff amount, but would not print a payoff statement and told him they would mail it to him in 7 business days. I 've been in XXXX since 2000 and I 've never had this problem with any lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Guild Mortgage Company, based out of XXXX Nevada is offering to buyer clients who apply for a mortgage with them on XX/XX/XXXX, a {$1000.00} furniture gift card. Is n't this a violation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Navy Federal Credit Union reported my loan late to credit bureaus when it was their late fees & interest that is charged after 10 days. Due to unemployment the monthly payments have been more than 10 days late. However my loan has NEVER been 30 days late. Initially the total in late charges & interest was {$400.00} and I have paid down to a {$190.00} balance and this is the balance they are reporting. I was granted a signature loan for which the last payment was due XXXX/XXXX/15. I made the last payment in XXXX and the principal is paid off. At the time of the loan my credit score was XXXX. The reporting of these late charges & interest, after the principal has been paid, is detrimental to my credit. 
The credit union has also taken money out of my account and has a hold on my savings account for these charges although I have explained the circumstances and that I can not pay the remaining late charge balance at this time. I do n't understand why they are still reporting the late charges when they have the hold on what 's due them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank erroneously processed credit/ debit in my bank account from a merchant. They are trying to convince me that the amount cancels itself out. It looks ( according to the online ledger ) that I was refunded and then they were given the money back? The amount is for XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pinnacle as they do with so many consumers fail to address the issue at hand and think that simply proof that a debt accures is sufficient evidence to ruin people lives. Pinnacle has an F rating with the XXXX and they no longer except rebukes from Pinnacle for this reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
hi my name is XXXX ive never had a loan with wells fargo. at the time they said i open the loan i didnt even have drivers lic .my drivers lic have been suspended since XX/XX/1996 in the state of ga im a victim of idenity theft i have written letters no results .so now i resulted into filing bk because i have my kid in college please can some one help thanx 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 2016-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I currently have XXXX accounts with XXXX XXXX XXXX XXXX. I had recently seach out to the creditor concerning multiple account listed on my Trana Union Report and they stated the other accounts with be removed in XXXX - 45 days. While just viewed my reports again after the conversation with XXXX XXXX XXXX XXXX and the XXXX accounts that were supposed to be removed are still appearing on my reports.

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 2016-08-17
Company: Comerica
State: IA
Product: Credit card
Issue: Other fee

Complaint:
I have had a Direct Express Debit Card for several years. I get my SSI electronically transferred to this card on the XXXX of each month and my XXXX transferred to this card on the XXXX of each month. On XXXX/XXXX/2016 my first card expired. Before my first card expired, I was sent a " Dummy '' replacement card from Direct Express. When I tried to activate the new " Dummy '' card about XXXX on XXXX/XXXX/2016, I was told by a Direct Express Representative that she could n't activate the card and it must be a " glitch '' in their system. She said she would send me a replacement card without charge and it would take 5-7 business days, but if I wanted my Direct Express Debit Card in two days there would be a Express Shipping Charge of {$15.00}. She went on to say that once I received the card I should n't have a problem getting a credit for the {$15.00} Express Shipping Charge since the first replacement card that was sent to me could n't be activated. On XXXX/XXXX/2016 I called Direct Express Credit Card Services to check the status of my replacement. I was told that a request for a replacement debit card had not been submitted. A man told me he would submit a request for a replacement card for me, but there is a {$15.00} charge for Express Shipping. By this time my SSI was two days late, the reason was that I had received a " Dummy '' Direct Express Debit Card that could not be activated in their system. After speaking to a Direct Express Representative the second time, I called within two hours and my second replacement card was in the process of being shipped. Direct Express took {$15.00} from my account to pay for the shipping of my second card. I was and am still angry that I had to pay a shipping charge. I have spoke to many Direct Express Representatives and am told that the charge of {$15.00} Express Shipping was a valid charge to my card. I should not have been sent a " Dummy '' Direct Express Debit Card that could n't be activated because of a " glitch '' in their system. I should n't have had to pay for shipping at all. The " glitch '' was their problem. I had to wait at least until XXXX/XXXX/2016 to receive my SSI/XXXX Benefits because of Direct Express Debit Card Services " GLITCH. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Company: CITIBANK, N.A.
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:
My wife is a surviving of a   XXXX   XXXX   XXXX   and she has no ability to make decisions on credit, nor does she have an income. I recently discovered that she had a balance of $  XXXX  with Citi and I wrote them the following letter. I think they are a predatory lender, preying on the mentally  XXXX  by offering them credit cards that have no hope of being repaid.     The following letter explains the whole situation.     **********************   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  Dear Citibank, It has come to my attention that your company issued a credit card and extended credit to my wife,  XXXX   XXXX . Her card number ending in  XXXX .     Her contact details are ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX  This is an unfortunate situation as my wife has no mental capacity to contract with you for a lending product, especially a credit card.     In  XXXX , my wife  XXXX  fell out of a third story window in  XXXX   XXXX , and suffered life threatening injuries, including a  XXXX  (  XXXX   XXXX   XXXX  ), and mentally she has no capacity to enter into legal contracts.      One matter that concerns is that she has no material income, s o I am curious how you could have possibly underwritten her for a card. There are many technologies for verifying income, such as  XXXX   XXXX   XXXX  offered by  XXXX , the ability to review bank account details for obvious paycheck deposits, or as a last resort manually verifying paystubs. You not only contracted with someone without the required mental capacity, but you contracted with someone with no income. This does not meet the definition of responsible lending practices, and regulators will view this as the practice of a predatory lender, preying on the mentally  XXXX .     I feel very strongly that you have taken unreasonable advantage of a mentally  XXXX  person, while earning a great deal of interest, and I will be reporting this to both the CFPB and the California Department  of Financial Institutions as this is frankly unsettling and outsid e reasonable lending practices.     I will give you the benefit of the doubt that this is a clerical oversight, and if you provide documentation releasing her from these obligations, I will not report your organization to the CFPB and   XXXX   XXXX  . If this matter proceeds in a negative manner, I will be hiring legal representation for my wife and reporting your bank to the regulators mentioned.        XXXX ,  XXXX   XXXX , husband of  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 2016-12-09
Company: Seattle Service Bureau, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency reported XXXX seperate negative accounts, to my XXXX credit report. I have no knowledge or records of such debt. I sent the collection agency a certified letter, requesting validation of the alleged debt, on XXXX/XXXX/2016, to the address reported as Agency Address on my credit report. The letter was returned back to me, as an undeliverable address. I 've also tried contacting by the phone number also included on my credit report, but the line just rings nonstop, never being answered. I contacted the original creditor, XXXX Hospital XXXX, on XXXX/XXXX/2016, trying to figure out any information for these accounts. I spoke with XXXX in the billing department, and she informed me that I have no such accounts or balance amounts, being reported by the collection agency, in their records. She also informed me that National Service Bureau XXXX has never been used for their collection services in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Progressive Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Calls without identifying who they are. Threatens legal action. have told to cease and desist all contact and the still call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card
Issue: Other

Complaint:
I applied for a loan on XXXX/XXXX/XXXX. ( Navy FCU ) .I called to get my status and was told I was turned down. They suggested I apply for a credit card ( NFCU/XXXX ). I did so so. They did not tell me they would pull my credit again. Again I was turned down and was told by the person on the phone to apply for a loan consolidation. I did so and was not told they would pull my credit. Why should they? They had done it on XXXX/XXXX/XXXX. I ended up with XXXX hard pulls and no one had told me that I would get XXXX other pulls : XXXX XXXX, XXXX, and XXXX I called on XXXX XXXX. On XXXX XXXX, XXXX I spoke to XXXX about the XXXX hard pulls. He said the notes the notes confirmed that I had given my permission XXXX times. I said I did not recall ever confirming XXXX hard pulls. He said he would check the tapes and get back to me. On XXXX XXXX, I called and spoke to XXXX who said XXXX told him he had referred the matter to the inquiries Dept. I waited and then called again to get an update and spoke to XXXX. She said the tapes showed I had agreed to hard pull credit checking. I said I did not remember doing so and to send me hard copies of the tapes. She said I would need a subpoena. I believe she is lying. 
Why would I agree to XXXX hard pulls 3 days in a row?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. But Transunion has failed to give me investigation result.

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 2015-11-24
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
The problem is with GM Financial and the difficulty I 'm having with the company applying the funds that I sent, before my first regular monthly payment, to principle only. According to what I read, from the company 's literature, all funds made previous to or after a regular monthly payment or simple interest payments would automatically be applied to the principle. I also spoke with a representative who pretty much said the same thing ; before I ever made a payment. In the month of XXXX 2015 I paid a total of {$3800.00} on my car loan. To date my monthly payment has not changed even though I paid {$3500.00} over my regular monthly payment. The months owed on the loan was corrected to show that I now owe for XXXX ; that 's it. At first when I called I was told that the situation will be corrected. The last time I called I was told that my payments would stay the same and the months I owed would stay the same. What I had been doing is basically making early payments. When I email but get no response. 
Snippet of email sent to GM Financial '' I made a totalpayment of $ XXXXdollar on myaccount. I havecalled severaltimes to make surethat all of thefunds are appliedto my principleONLY. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This morning XX/XX/2017 I talk to XXXX, Asst Vice Pres of Huntington National Bank in regards to a complaint I filed with CFPB ( # XXXX ) she threaten to close my debit account for complaining about the 2 bank tellers violating my FERPA, confidentiality of my personal information, and doing an unauthorized credit check and closing out my Amex card. After complaining about the 2 bank tellers, one of the tellers is not at that branch and the other teller is being supervised by new and different personnel from other Huntington National Bank branches. She also suggested I not bank at that branch and that I need to go another branch. I should not be threaten in that matter by a bank employee for matters that are being done against me that are illegal. This matter needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Have been getting calls for a year every Sunday, asking if I 'm someone I 'm not. When I answer there 's no one on other end. I have spoken to a person a couple of times at least which they said they would remove my name but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Netspend Corporation
State: CT
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
on a sunday, I went to a free atm to get money after church to pay my tithes and for gas money for work I knew exactly how much I had. Nothing was available. called the skylight card and they told me a transaction had been made I asked them when and they stated that day. I informed them I was at church. They then informed me that the company that made the deposit did a reversal and that they would have my XXXX back on in XXXX hrs, I called back they stated they mailed it to my physical address. That is the last that I have heard from them I contacted the agency and was told they said they would mail the check to them. I do n't know why they have not either mailed the check by now or placed it back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: National Credit Systems,Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Attempted to call me FIVE times today alone about a family member 's debt whom does not live in my household. That family member called today and requested that he stop calling me, yet he had called twice since after that phone call!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received additional documentation yesterday to support my previous dispute. I went onto experian website to upload the letters I received from the bank for my XXXX and XXXX credit card. The letter is date XXXX/XXXX/16 and is stating that the accounts were not paid late and the dergatory remarks to be removed and these XXXX accounts be listed in accounts in good standing on my credit report. I tried numerous times to upload the letters in support of my dispute and experian will not allow me to do so. I do know XXXX bank is going to contact experian and also submit the letter advising them to correct the incorrect information however I have been disputing this for months now and finally I substantial proof stating very clear that the accounts are not reporting correctly. Now experian tells me to send in the information. Here goes more of my time in making copies etc. I have spent numerous hours on the phone and time with this situation. I am complaining because this incorrect information is causing me a hardship in obtaining credit for a auto loan. Experian is very difficult. I do not understand why they will not let me re-dispute information again either. I was told they already disputed it and I am not able to re-dispute it again. Well this is unheard of as there are things reporting on there incorrectly and as I mentioned before it is causing me a hardship in obtaining credit.

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