BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: Accounts Research, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Telephone call, rude -- I think this related to my daughter but somehow they got my cell no. and called me ; I want no further contact with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America, after more than 1 year of requesting and re-requesting documentation, stated I did not qualify for a modification loan. The reason they stated was debt to income ratio, that I made to much. However, XXXX other banks stated my income was not enough to get a new loan. Therefore, how can Bank of America state I make to much income while all other banks state I do not make enough? This complaint is inline with the lawsuit file against Bank of America for paying cash bonuses to their loan officers for denying loans to qualified borrowers. 
( go to web site or read excerpt below ) XXXX. 

This is an excerpt from the law suit : " Bank of America routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure, according to affidavits filed last week in a Massachusetts lawsuit. " We were told to lie to customers, '' said XXXX XXXX, who worked in the bank 's loss mitigation department until XXXX 2012. " Site leaders regularly told us that the more we delayed the HAMP [ loan ] modification process, the more fees Bank of America would collect ... ... .... '' Bank of America has not offered me any other alternatives. There underwriting department is in disarray. I '' ve read XXXX other complaints online that back this up. 

My loan amount has now tripled. BofA appears to think little of your department as far as any threat to disallow them from any wrong doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I co-signed for XXXX loans way back in the year of XX/XX/XXXX. 
My son defaulted on the loans and naturally the company ( XXXX now known as NAVIENT ) came after me the co-signer. I told them I am sorry but I have financial hardship due to my XXXX and medical bills and can not make any payments. It has been 14 years and the statue of limitations has applied. Further more these loans were included in my Chapter XXXX bankruptcy discharged on XX/XX/XXXX. It is in my contract that I can include in a bankruptcy if there is a financial hardship. 
Please have NAVIENT to stop selling the loan accounts to credit collectors. Please have the credit collection company to stop reporting non-payments to the credit bureaus. 
NAVIENT has turned

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Rauch-Milliken International, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company called XXXX was suppose to design a website for me and also promote the website online. They made a website without my input whatsoever. Then they never launched it online. They wanted to charge me {$100.00} per month for website hosting and maintenance, but the problem is why should i pay for something that i do n't have or something that was never done. They are complete scam artists with many negative reviews online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient made it impossible to lower my monthly payments and charged outrageously high interest rates while my loan was on forbearance, also I 'm bring charged for two loans when I only accepted one and they have not assisted in finding out where the second loan came from

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Credit Management Control, Inc.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i disputed this debt on my credit report and this company validated debt. Original creditor advised that this would be removed and sent me a letter stating such. This company mailed me specific medical information about my medical treatment as well as a XXXX XXXX XXXX 's surgical information as well both in violation of HIPPA and State Privacy laws. And lastly, upon clearing up the matter with my doctor and insurance company, CMC INC validated the debt with XXXX and XXXX and continued to report erroneous information which prevented me from obtaining insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The company XXXX XXXX XXXX which is a subsidiary of XXXX XXXX XXXX filed a default judgment against me for credit card debt accrued by defunct company XXXX XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with XXXX on XX/XX/XXXX before the company went out of business. The debt was accrued XX/XX/XXXX. XXXX XXXX XXXX acquired XXXX in XX/XX/XXXX and this arm became XXXX XXXX XXXX that same year. Since my debt was initiated and established during the existence of XXXX and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as XXXX is attempting to collect a debt of the defunct company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Quicken Loan placed a lien on a lot personally owed in full by us. We had applied and were approved for a VA refinance loan in 2012. prior to that in XXXX 2012, we had changed our property lines and that was approved by the XXXX XXXX county board and filed. When Quicken was working on the loan they received the new approved survey and the new Parcel numbers for each lot, they XXXX attached to the home address and the one owned by us. They chose to place a lien against both my lot and the one that was the home lot. I did not find out about this until they paid my taxes on the lot that was mine. They now state that thier Title search company ( owned by Quicken ) did everything correctly. However, the XXXX XXXX title people state that is not true. I have all info in a form that I can send, this has been reviewed by the WI state banking examiner who are not able to resolve this due to a lack of legal personal. The bottom line here is I was forced to take a second remortgage in order to gain my own property back from Quicken. While Quicken covered most of their cost, they refuse to repay me for the cost of the VA funding fees. We could use some help with this. 
thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have called and faxed Experian stating they are not reporting a mortgage and credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX tradelines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these tradelines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX Double 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 2015-05-11
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1. All XXXX agencies, Experian, XXXX & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Stearns Ventures, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Stearns Lending , Inc., XXXX XXXX, CA. 
This company 's satellite office in Arizona has absolutely NO sense of urgency, and total disregard for their clients ( the buyers ) and also the sellers. 
Claiming to have not received or misplace information, as an excuse. 
People have lives to live and also have time lines to follow, setting up places to live, movers, disconnecting utilities, packing, etc. 
Underwriters, had claimed all is good, and over two weeks later still looking for paper work, still stalling! 
It took a Cure Notice to finally get them to perform, someone needs to be held accountable in this office. 
The purchase was almost lost, due to lack of concern for others. 
Would highly recommend staying away from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
When I type in my personal information I always get an error message saying the information does n't match the information XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called Discover Card to cancel my account. I had to talk to multiple people on the phone, the last person gave me a hard time about cancelling, and ultimately said she would, but my account is still not closed after a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: MORTGAGE LENDERS OF AMERICA
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I am at my wits end and in tears as i write this to you. I have begged everyone at my mortgage company for help and all has fallen on deaf ears. This has been the worst experience of my life. I am 2 weeks past my closing date and still not closing. I have had to order my own tax transcripts along with many other items i had to do for them to try and get them to move along. I dont understand how a company can do this to people? Please help me!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I call credit bureau to dispute acct that 's on my file that 's not mine acct XXXX XXXX, and XXXX And XXXX, XXXX XXXX and the repasentive told me that he was n't gon na file a dispute for these items his name was XXXX I told him I have had identity theft on my file he refused to file a report I was told I need to deal with creditor on my own I do n't think it was fair.

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 2015-09-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had an end of auto lease obligation to pay Nissan Motor Acceptance Company back in XXXX 2015. I contacted NMAC via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying NMAC {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency that required a payment for the alleged debt I owed NMAC. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, Nissan Motor Acceptance Company hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. NMAC refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in Nissan 's best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with Nissan again. XXXX of companies work with you on this, they assist you with monthly payments ; however, Nissan does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Got an email from " Ace Cash Express '' with a telephone number in Texas. Said I was approved for XXXX-XXXX with payments of XXXX/month for 36 months on XXXX. I have to retain an attorney which is why I wanted the amount. They told me that due to a low credit score, I needed to send XXXX via an apple ITunes gift card. As I need this loan I did. Then I hade to pay a {$240.00} application fee. Then another {$230.00} for " state of TX tax ''. Now they claim I bought the wrong card so they wo n't release my loan. I 'm out {$670.00}! Called from XXXX email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Ford Motor Finance established XX/XX/XXXX. In XX/XX/XXXX my account was first reported delinquent due to employment hardship. I worked on trying to catch up payments but as of XX/XX/XXXX the car was repossessed due to unemployment. The economy had been in a down slope. XX/XX/XXXX the repo was sold by Ford at an Auction and by XX/XX/XXXX Ford provided me a mailed copy of the Statement of Sale. XX/XX/XXXX Ford reported the remaining balance as a Charge off to the XXXX major Credit bureaus XXXX, XXXX and XXXX. It was brought to my attention when pulling credit for housing and employment, that a Judgement had been filed against me by Ford. Ford never notified me that a judgment would be filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Google Compare Credit Cards Inc.
State: NC
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
GOOGLE WALLET DONT TAKE CREDIT CARDS BUT CHARGED MY CREDIT CARD AND ON TOP OF THEY THEY CLOSED MY ACCOUNT AND FAILED TO SEND ME THE MONEY LEFT IN MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: DISCOVER BANK
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
1 ) XX/XX/XXXX : I submitted online a form to wire transferred {$35000.00} from my saving accounts to a relative 's bank. Both banks are in the USA. XXXX XXXXmy bank : Discover, my relative 's bank : XXXX XXXX XXXX XXXX I live in XXXX the money was meant to be transferred to XXXX. 2 ) The {$35000.00} amount was deducted from my savings account on XXXX XXXX, XXXX, as of today, XX/XX/XXXX Discover can not give me an update as to when my money will be transferred. 3 ) Discover bank said the transfer would only take 3-5 days max. XXXX ) Discover bank called me twice in early XXXX asking to confirm the same information ( my name and social security number ). Every time Discover bank would say that the wire-transfer needed to be approved by the Federal Reserve and they would give me an update in 3-5 days. 5 ) When Discover bank stopped calling me I called 3 times ( in XXXX and XXXX ) to ask for an update and every time they said the same thing : that my wire-transfer was on hold because " they '' needed to confirm my name. I asked where was my money and they first said it was with the Federal Reserve. I asked to please cancel the wire-transfer if that would return my money/ {$35000.00} back to my account and they said that would not happen until the Federal Reserve released the money. 6 ) I called the Federal reserve on XX/XX/XXXX and they said they do not " hold '' the money, and they only take 1-2 days to review and approve wire-transfers. The Federal Reserve said Discover had misinformed me and to contact the CFPB. 7 ) I called Discover on XX/XX/XXXX and they said the same thing again : that my wire is " stuck '' in some government agency and also they asked for my name again asking if I was certain I had provided my full name correctly or perhaps I misspelled it and that is what is causing the delay, which is absurd. They kept me on the phone for 30 minutes with no resolution. The customer representative said he will personally call me this week ( week of XX/XX/XXXX ) to give me an update. However, I have been hearing the same story since XXXX XXXX, XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Speedy Cash gave a loan to someone online using my name. They did not ask for any kind of ID and did no background check or they would have known that the social security numbers did not match. I called and complained after I received a bill from them. The woman informed me that they did n't need any Identification to give this loan because it was a low amount and the law in Texas allow 's it. So now my credit might be ruined or my identity compromised due to the way they do business. I let everyone I know know about this and of course XXXX of my friends are going thru the exact same thing at this very moment. This needs to be changed!

Company response to consumer: Closed