BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-16
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Because of Obamacare, we were required to sign up for insurance through XXXX with XXXX. While doing so, XXXX somehow had XXXX different files for my family - XXXX with our correct name and SS # s ( which we verified with company as required ) and XXXX with incorrect names with our correct SS # s ( which we did not verify ). We called to have the problem corrected, which our agent assured us the problem was fixed. However, after receiving multiple mailings from the companies to verify incorrect information, and continuing to call them and tell them we are not the XXXX 's, our bank, BBT, allowed XXXX to auto debit our non-profit account for {$430.00} under the false name of XXXX - identities we ca n't verify because WE ARE NOT the XXXX, which is an unauthorized transaction. Upon speaking with the banker, he told me that the only thing I could do was close the account and file fraud charges. Due to this being a non-profit account with automatic daily deposits, we could not do that. He then told me that I could call the company and get my money back. This was XX/XX/2016. My bank statements show the correct amount of {$97.00} being automatically drafted from our account EVERY month under our correct name - and yet, the banker would not refund our money, in fact, were charged over draft fees on top of the theft from XXXX. I called all XXXX companies on XX/XX/2016 around XXXX. I was told what I mentioned above by the banker on that day, and was told by XXXX that they corrected the problem with the duplicate files and that XXXX will have to refund our money. XXXX said that it would be 30 days before I would hear if we were going to be able to get our money back. 1 ) our money was stolen ; 2 ) we have proven that we are not the XXXX ; 3 ) it is XX/XX/XXXX - 60 days later, and we 1 ) still do n't have our money back, 2 ) still have n't heard anything from anyone, and 3 ) are still receiving mail from XXXX in the incorrect names. I was told by my corporation 's treasurer, who is the VP in the fraud department at a different bank, that my bank could have refunded my money and made XXXX prove that the {$430.00} transaction was justified - meaning that they had proof that we are 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 2017-10-12
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: Information belongs to someone else

Complaint:
I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited a check in the amount XXXX into my bank and was told there was no hold on the check woke up on XXXX and the money was deposited and then removed from my account called bank of america as to why the hold and they couldnt give me the reason as to why which by federal regulations they need to let me know and they have not the supervisor would not tell me why the hold is on the check except that it protects me it is an on going issue that is happening on my account they told me the hold will be released on XXXX 12 days to clear a check in the electronic world these days is crazy im tired of going through this with bank of america there are federal guidelines that need to be followed

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 2017-02-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying back a {$70000.00} loan from Beneficial for over 20 years, and have repaid it more than twice over. 
Now that the loan is almost paid off they keep adding new charges to my loan without my permission every month. Last month it was an insurance policy, over {$500.00}, this month they paid my taxes, which I had already paid, over {$600.00} in new charges, plus they raised the payment with monthly insurance and tax charges. 
I have always paid my own taxes, it seems illegal to suddenly start paying the tax, then adding it to the loan without permission, adding interest, late charges, insurance and whatever else they can think of, especially when it is almost paid off, and could be paid off this year if they did n't add enormous charges every month, and they know I 'm old on a fixed income. 
XXXX, an accounting clerk with the Department of Assessment & Taxation with XXXX County, OR responding on behalf of the Assessor. 
" After further review of both accounts, it does appear that there are, in fact, two duplicate payments from both you and your lender. '' ( my XXXX is divided into XXXX sections, XXXX ) I had applied for the Senior citizen ' tax deferral program, but they turned me down after the first year because I did n't have insurance. 
The XXXX I had before, filed for bankruptcy ( The fellow who ran the business said there were too many claims due to GLOBAL WARMING ) - and according to the insurance lady that took over the office - because I live in a XXXX there is no insurance available. 
Several women have told me that their insurance was cancelled out in this area because they live too close to the " XXXX ''? 
I know you do n't control the insurance industry, but I wonder how it is that no insurance company will insure my property for me, but they will issue a policy for my property for Beneficial 's interest only? 
And if it is insured now can I get the senior citizen 's deferral? 
Is that why they paid the tax? 
Do they actually pay somebody to figure out how they can squeeze the last dime out of old people who are almost debt free? 
Or am I just a conspiracy theorist? 
They do n't have contact info on their bills, no phone, no website and they do n't respond to letters. 
Anyway, thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attended XXXX College in XXXX Ky, XXXX XXXX ( Closed Now ). I started in XX/XX/XXXX through XX/XX/XXXX. I have already signed up for lawsuit against XXXX College through the Attorney Generals office. They told me to contact your office ... 
After spending 2 years to receive my XXXX Degree in XXXX at XXXX College an after attempting to pass the Certification Test that you must pass to get a job and costing XXXX to do so i did n't pass how amazing considering that XXXX admitted to having teachers teach that where incompetent. My degree is worthless I have lost 2 years of my life for absolutely nothing. My loans are with Navient, Navient sent me a letter XX/XX/XXXX to inform me that I may be eligible for a discharge because XXXX is closed. I sent them all the paperwork I had explained to them how XXXX treated their students, how I did n't think i should have to pay a loan off when the school admitted to having teachers that where incompetent how, XXXX would have XXXX separate classes in XXXX room, i did my internship filing for a company for 90 hrs, never once did any billing or coding, they did n't care, they would keep your money so you would have to buy their books i was lucky enough to be able to rent mine and you would have to ask for your check daily, they tried to make us pay a fee called tuition options an if you did n't pay they would threaten you with having to drop out of school i personally spoke with XXXX XXXX, president of XXXX, about this fee I told him it was illegal what he was doing and I was never contacted again about this so called tuition options fee. And a lot of people paid this not knowing the truth. On XX/XX/XXXX I received an email from a teacher at XXXX letting me know they had extra training classes if I wanted to attend, yeah they could n't teach me right the first time I was n't stupid enough to go back, I figure they offered these because they knew what they had done.. Also they charged me (. cash only ) to test out of a computer class instead of using my loan money. XXXX is horrible and they should have to pay the government back and myself an other student loans should be discharged. Its disgraceful why would the government keep giving money to a school that was being sued??? My XXXX teacher talked about her personal life more then taught. Accounting teacher had her back to our class 95 % of the time..Needless to say Navient denied my discharge due to school closing after lawsuits because of some 120 day period. I hope you can help us all ... I am not in collections or behind on payments as of now. Naient told me i dont have to start paying until XX/XX/XXXX..Hopefully I wont have to

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX years ago, XXXX XXXX XXXX sent me an invitation to take out a no-income, interest only {$100000.00} home equity line of credit. I had just moved into a new home and I had several projects that needed to be completed so I accepted the offer. I used part of the money on the house projects and the other portion of the {$100000.00} I kept as emergency money. 
As it happened, the economy collapsed due to the mismanagement of the XXXX sector and I lost my job. I was thrown into this terrible job market and I could not find work. I used the rest of the home equity line of credit to pay my bills and to not default on my mortgage. I have gone through XXXX lay-offs in the last XXXX years and I have completely exhausted my home equity line of credit and I have been on a forbearance program. 
I am re-employed again with a strong company and I am trying to get back to good financial health. XXXX XXXX XXXX has been great. They gave me time to find a new job before they foreclosed on my house and they have given me a loan modification for which I am truly grateful! However, XXXX/now Quicken Loans asked me to send in a enormous amount of information, but they have done almost nothing to help me cope with the large increase in payments. Previously, I paid XXXX/Quicken Loans approximately {$240.00} a month in interest. After XXXX years, the loan no longer stays as interest only, but converts to a regular loan so my monthly payments went from {$240.00} to {$640.00} and now that my forbearance period is over, they want me to pay {$970.00} a month. The adjustment happened just when I experienced my XXXX lay-off when XXXX XXXX XXXX Mortgage moved all of our XXXX down to their XXXX, NC site. So at this time I have gone through {$30000.00} of my savings and I have exhausted my home equity line of credit. 
I do want to pay back the loan, but I am not making what I once did so I can only afford approximately {$400.00} to {$450.00} a month payment over the life of the loan and I need to be on a fixed interest rate or I could be in trouble if interest rates skyrocket again. 
I believe my $ XXXX {$640.00} payment is totally unaffordable. I thought there was some consumer protection where your loan could not rise so dramatically from {$240.00} to {$970.00}. 
DESIRED RESOLUTION : I do so need your help in working with XXXX/Quicken Loans to find an affordable way to pay back this loan and keep my payments in the {$400.00} to {$450.00} range. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Reliable Credit Association, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I responded to a summons requesting verification of the auto being disposed of in a " commercially reasonable manner '' of which will be attached, and the outcome was set for trial XX/XX/XXXX The petitioner of the case : XXXX XXXX XXXX, for Reliable credit filed a request striking the trial date XX/XX/XXXX. To date, XXXX parties in this action are reporting to credit bureaus that i owe XXXX parties and this has caused damage to my credit when i tried to purchase a mobile home XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My wife and I signed up for a chase sapphire card. I purchased a {$3000.00} mountain bike with no problem, I then called the bank with some questions. Afterwards I attempted to purchase a {$1.00} hot dog at a gas station and the card was declined. Shortly after, the bank fraud department contacted my wife and were very aggressive. They stated that since I had a  XXXX  name, and she had an American name, they thought that I was a fraud, even though we had another credit card with them for over a year. They were claiming that they were protecting the bank and the customer against unauthorized purchases. I complained several times for months and my complain fell on deaf ears. Just a couple of days ago I went into the bank to close my account and the teller filed a new complain, but the complain seemed to be registered as coming from my wife and not myself and suddenly she get a call from the bank stating that they are investigating. So I, a  XXXX  male complains for months and no one cares and then a complain is resisted as coming from a white female and they quickly make a call stating that they are investigating. Also, if they were protecting the bank and the card holder against fraud like they claim, why not decline my $  XXXX  purchase rather than a {$1.00} hot dog? They broke the law as they declined me credit based on my nationality and national origin. Denying me credit that I 'm entitled to based on my national origin is unlawful and I will sue this bank in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
I have an account with Rushcard and I 'm sure you know why I 'm sending this complaint. I have not received mymy direct deposit from my employer due to the " technical glitch '' they suffered. It 's quite obvious I 'm struggling to get by I jus want wages and dealing with these representatives for 10 days has made things more stressful. Yesterday I called and they said my funds are showing but there 's a problem from it to deposit on to my card. The lady said that she put in an escalation ticket to a higher up to deposit my funds. I wake up today to find no funds in my account still. I called to find out what happened and they told me my deposit is not showing. From there I asked to talk to a supervisor and they came to the resolution of sending an email to her supervisor or board to handle the situation. I 've been demanding a certified check and they told me that the higher ups will make that decision. Everything is recorded I just hope I get my money soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
four years ago discover student loans advertised on their website and those claims were stated by a customer service rep, that co-signers would be released after 18 months-two years of on-time payments. Now they say they made no such claim. 
Can they back out of this? We took the loans under false pretense and information by discover. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Rushcard has blocked me from retrieving my funds out of my account for {$900.00} that are in my account due to their update of the system on XXXX/XXXX/2015. I have talked to customer service on many occasion just to be told the system is still updating and an escalation had been placed in the back office for review of my account. Plus due to the system update it caused my current debit cards to be inactive which is keeping me from getting my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: CARVANT FINANCIAL LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a vehicle a month ago and got approved by Carvant Financial LLC. I have provided all the information to the dealership and was told everything was good to go and the loan was authorized to be funded. I have the paperwork to prove that to go with the approval letter. The dealer informed me that the owner of the company XXXX XXXX wanted the dealer to fix one of his vehicles before Carvant will release funds to the dealership. The dealership has all the necessary paperwork to show that the loan was finalized.

The dealership informed me 2 hours ago about this and sad they have more customers in my position, they will file complaints too and we are looking into hiring a lawyer together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency place a collections on my credit reports that do not belong to me. They tried this last year too. 
GOLD KEY CREDIT INC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I hold a mortgage with XXXX mortgage which I have been trying to get a modification XXXX then turned my mortgage to Sps servicing and resubmitted on several occasions modification papers but to no avail been denied ofor did not qualify .I feel like I am being desciminated against by XXXX I lost value in my home over XXXX probably to predatory lending after a XXXX and XXXX mortgae was taken out .My Intrest rate is 7 % I continually am turned down I fell behind because of a divorce and business sell caused by the divorce.Under the making home affordable nothing is being done to make my house affordable these banks have been bailed out but refuse to help minorities several friends have gotten modifications with principal reductions. mortgage forgivenesses but XXXX seems to not want to help me. Every month I am threatened with harassing calls by XXXX XXXX at SpS servicing about foreclosure.. I have asked for an account of where my payments are going to go if I start repaying what they want but get no clear answer..I want to keep my house and want a fair chance to do this which I am not given. I work I have a job I am not rich so I cant pay XXXX in back payment I would like a modification like so many others and these banks where helped by the government so they should be able to help us small guys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom this may concern, I am inquiring if Scottrade Bank will provide Identity Theft Protection Services for the failure to handle customer data appropriately. Specifically, in 2013, XXXX XXXX, a branch manager at Scottrade Bank instructed me to send personal information via an insecure channel ( plain text email ), I at XXXX XXXX 's request, I provided the information via email and was subsequently a victim of identity theft and theft of personal information. 

I am requesting if Scottrade Bank will provide me with retroactive Identity Theft Protection Services or Identity Theft Insurance. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Currently, I am having my money deposited on my Rushcard. About two weeks ago, Rushcard stated that they 'll be updating their system and within 3 hours we could n't view our accounts nor withdrawal money. A couple of weeks have gone by and I still can not access my funds. I 've called customer service numerous times and have gotten hung up on. When I finally got a hold to customer service they tell me they ca n't do anything about it, and to give them my number and have yet to receive a phone call. At this point I 'm wondering if my direct deposit will even be deposited this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-02
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover closed my account for no valid reason. I paid more than the minimum due to a XXXX balance. They closed my account but not before reducing my credit limit from XXXX to XXXX while I had a {$2500.00} balance in XXXX 2015

Company response to consumer: Closed with explanation