BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hello, my name is XXXX XXXX my phone number is XXXX and email address is XXXXXXXXXXXX. 
First I would like to state that I have been a member with rushcard XXXX XX/XX/XXXX. On Monday XXXX XXXX they did a system update. i guess while updating there system a glitch happened. The glitch has left a lot of people unable to access there funds. i have not been able to access, y money sense the day of the update. i have not been able to put put gas in my car, pay for my child 's day care, get food and a number of other things. the most disappointing thing about it, when you call to speak with someone in regards to the issues, you cant speak with no one. I have waited on hold for hours and still the phone just hangs up. I am out of town working, with no family or anything so its really hard for me to get money. By the grace XXXX I have made it work for me adn my daughter who is XXXX years old. I have not been able to pay my car note or even the Insurance. I was subpoenaed to court XX/XX/XXXX XXXX and was n't able to make it to court because I could n't get a flight out of town, because I could n't get any money off my card. Now I have my finance company calling me about my car payment. I cant make a payment because I cant get my money. My car insurance is now canceled because I could n't pay the insurance. My daughter have n't been to day care because I have n't been able to pay. I cant get gas. I 'm also on probation, and have to pay probation fee 's XX/XX/XXXX or there will be a warrant for my arrest. This Rushcard system update has caused so many different problems. I just want to speak with someone to reassure me that everything is going to be okay. I have went days with out eating. I have went to a church to get food baskets and things like that. I have a XXXX year old daughter and I put her first always. Its getting cold XXXX, i cant even get her a coat to stay warm. I just need answers. 
Please can someone help me with this. i just need my money please. please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: RI
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I am a rushcard consumer and my balance says XXXX I had direct deposit to this card. My lights and gas were disconnected because the day I was supposed to pay it my money went missing. I have been sending them messages, calling, and tweeting them to no avail. I need my money. How am I supposed to live. I call and get hung up on. Or they tell me that they are doing the best that they can. I have a child to take care of. XXXX rep told me that my money is safe with them so do n't worry. If anyone could help it would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : 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 2017-01-09
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I responded to a promotion for a new Citibank account. That account was funded on XXXX XXXX, 2016. I contacted Citibank in XXXX to check the status and was told I needed to complete a XXXX form. I mailed the completed form to Citibank on XXXX XXXX. In XXXX I called to check on the status and was told to wait 1 more month. I called today and was told they never received the 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 2021-07-09
Company: Direct Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Third Party Collection Agency is trying to collect a debt they say my dad owes. I called them and left a voicemail explaining this is not a debt I owe and asked them to stop calling me. I told them if they continued calling I would report them to the FTC. They stopped calling me for a couple weeks but have started calling and now texting me. 

I deleted old phone calls, but phone calls I've received since I asked them to stop calling me have been : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I received a text message today, XX/XX/21.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: GA
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 filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXX.and shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.

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 2020-06-20
Company: ALLY FINANCIAL INC.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My husband and I are in the process of purchasing our first home. We waited until XXXX on XX/XX/2020 to get the greenlight about our mortgage loan before I sent a request for a wire transfer. 

I sent the request at XXXX on XX/XX/2020. Note : This was an hour after the Ally Bank wire cutoff time. 
About an hour later I called Ally Bank because I never received a reference number for the wire. I was told that the wire department would contact me to verify the wire and that I would get a call around XXXX the next day ( XX/XX/2020 ). 
Today XX/XX/2020 - the day of my house closing - I called at these times : XXXX, XXXX, XXXX, and XXXX. 
Every single time I mentioned that we were on a time crunch due to us closing on our house today. No one ever mentioned to me any sort of delay or mentioned that they needed additional information to make the process go by quicker. 
Since I sent the request after the cut off time on XX/XX/2020 it allegedly didn't give the wire department sufficient time to get the verification for the wire to send out today, XX/XX/2020. My closing officer got involved and nothing was accomplished. 
We didn't end up getting keys to our house today because the wire was never sent despite the urgency of the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18
Company: Delta Management Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Delta Management Associates, Inc. contacted me at work on XXXX XXXX, 2016. I gave them a mailing address and asked for all future contact to be through the mail at the given address. The next day, my employer received two faxes for information from them. When contacted to ask them to cease from contacting the business, they hung up the phone.

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 2015-10-27
Company: Empowerment Ventures, LLC
State: AR
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Account showing {$0.00} after a system glitch. I have spoke with XXXX representatives that claim the problem is being handled. It has yet to be resolved. I have a direct deposit that will hit tomorrow. There is no way to suspend the transaction. Rushcard is not giving me answers as to if I will have access to my money. Also you have to call XXXX times before someone answers. You call the number and it just continues to hang up. There are a lot of issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09
Company: CITIBANK, N.A.
State: WI
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: Problem with personal statement of dispute

Complaint:
In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at XXXX XXXX, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

XXXX XXXX and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2015-10-26
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
When beginning my college career at XXXX XXXX University, I had a federal loan. My second year I had missed a deadline and had to get a private loan. I came across ACS and they were willing to help me. I ended up using them throughout my years at XXXX from XXXX to XXXX and it was great. They recommended deferments etc. when I finished as I was not making a lot of money. Once I was no longer able to do push back any further, the nightmare began. I told them I could not pay what they wanted at the time and wanted to give them as much as I could. I even sent them my pay stub! Anything I could do to show them that I was just hurting and want to pay. Customer service as ACS is ridiculous. No one is willing to talk to you. help you, and they follow up on nothing. I continued contacting them on the same issues over and over and paid everything I could. It got to a point where I wanted to get a lawyer to help me. After hearing no response from ACS at all and just paying what I could on their ridiculous payments, fees, interest rates ... I receive a court letter claiming ACS is suing me. I had the opportunity to rebuttal and sent everything I could to the courts. All the emails between ACS and I, payments ... everything. I wish I could have the phone calls that they " record '' while attempting to speak with customer service. Well, my rebuttal to the situation was obviously denied by the judge because ACS is big business and no kid can stop them. I go to a lawyer to see my options. He says I can not file bankruptcy on private loans and I should just pay them! Not to mention this whole time while making payments and fighting with them I am being assessed a ton of fees on XXXX separate loans from them. So, finally we reach a point where we settle on a payment starting XXXX XXXX at {$210.00}. That 's great except it is all going to late fees and interest. Then XXXX XXXX they raise it to {$310.00} and that is all going to interest now. I ask them why it went up and all they can say is that that 's just how it is. I have {$170.00} TOTAL paid to my principal. Now today as we speak I have not missed a payment since we agreed to this settled payment amount ( well that lasted 1 year and was raised ) and now I go to schedule my payment and it is all zeroes and says " in collection ''. I am sorry if this story sounds long, jumbled, and crazy but I have been fighting with this company for so long that it really is crazy. I just feel like there is nothing I can do but sit back and get robbed with no help from anyone. These guys need to be shut down. I will tell anyone going to school do not mess with ACS. I saw consumer finance and this just seemed like a place who would listen and maybe give me a louder voice. Thanks for the great work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Was contacted by a XXXX party collector trying to collect {$830.00} and the loan was for {$600.00} and finance charges for a total of {$730.00} sent documents to them showing loan was paid and they contacted us stating documents were false and they were going to press charges for presenting false documents and then tried to settle the amount to {$500.00}. Asked for verification documents and were denied the documents. Very rude when told not to contact me or my husband and they stated they would contact my husband anytime they felt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac took my XXXX mortgage payment from my bank account on XXXX/XXXX/16. On XXXX/XXXX/16 they sent me a letter telling me that I had n't made my loan payment. Today, XXXX/XXXX/16 I logged into the bank account to verify the payment was taken and it was. Then I logged into my account on PennyMac and it still shows that I have n't made my payment. This happens with PennyMac every year and this is not my first complaint about their payment processing methods. They are threatening my credit and forcing me to spend time on this when I 've already made my payment. This is wrong and illegal to bill me for something I 've already paid. I 'm tired of all the stress involved in having to keep my good credit in order when PennyMac can not stay on top of the payments they take from their customer 's bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.

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 2016-06-07
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Was unable to make payments on a loan I took out with XXXX, due to illness. The account was sent to National Credit Adjusters and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
TOTALLY unacceptable. They did not get that I am the ping pong ball between them and XXXX. XXXX tells me its Goldman and Goldman says its XXXX one knows or wants to address this issue! Seriously, they are tell me to back into the rabbit hole that initiated this complaint. Their response is as simple as calling their customer service. Seriously these are supposed to be educated people and that was the best they could do??????? oh, lets me look up the account.hmmmm, I dont see XXXX XXXX name on the account,,, ,were good???????? Ridiculous. I will not relent until I get an intelligent explanation. Goldman Sacks and XXXX have a partnership in this matter and I need one smart person from either mega institutions to figure it out. 

1st Complaint ID- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Amex continuously pushes marketing ads to me for their Amex Offers. I decided to try one and added it to my card and then went to the participating merchants website and placed an order. Amex never gave me the promotional credit. I inquired and they said it was because the merchant was excluded ... from their own offer. That made no sense, so upon further questioning Amex said I didnt get the offer because I used paypal to check out. 1 ) I added the offer that was advertised 2 ) I made a purchase from the merchant using my amex card. I am bamboozled how Amex can try to weasel out of honoring its own advertised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have demanded that my credit report information be validated or deleted as they are harming my ability to receive credit and /or causing me to have a poor credit score. I have demanded they update and remove all inquiries per not being authorized to check my credit report, as I only gave authorization to XXXX XXXX auto dealer to check, but they tried to farm it out to XXXX different banks causing XXXX different inquiries which I demanded be removed. I have demanded that they verify a account with XXXX XXXX, verify the alleged amount and the original contract as XXXX XXXX allegedly purchased the account from XXXX. They are also reporting very old information on accounts that were closed years ago. They are refusing to validate the information and accounts and are refusing to delete unverified accounts and causing me great harm in trying to obtain 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 explanation
Consumer complaint received 2021-07-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from to my credit reports. I have attached documentation of the letter that was sent to the furnisher on ( date ). They are still contacting me and this has shown up on my XXXX, XXXX  and XXXX  credit report. I will sue them if they continue to collect that is not mine.

Company response to consumer: Closed with explanation