BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Source Receivables Management LLC
State: KS
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:
Name of Company : Source Receivables Management Amounts : N/A Dates : last date XX/XX/2022 Actions Taken : For 3 years this company has been calling our cell phone looking for someone by the name of XXXX. Each time they were told that this person was unknown to us. Then 3 months later we receive another call from them, from a different phone number, but the company name was still the same. We have requested that these calls cease, however, after XXXX XXXX years of this I contacted them after they hung up in my face when I requested their address. Again today they called again and I was able to obtain their address after they once again called. This is harassment for one, this person is not known to us for two, and I was a debt collector for 13 years and am aware that once a collection agency is advised to cease communication and that this is a wrong number-that they are to no longer call. I even spoke with XXXX XX/XX/2022 who stated she was a manager and she refused the address. I am tired of these calls and would like to know how to sue them. This has gone on for way to long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
I had an XXXX XXXX mastercard with Barclay 's Bank, but upgraded to an XXXX XXXX mastercard. Barclay 's closed the XXXX XXXX account, but in XXXX I was notified that I would be issued a credit to the XXXX credit card. I assumed that I would be issued a check or the credit would be " rolled '' into my new XXXX XXXX credit card account. After receiving a second billing statement with a credit balance on the XXXX XXXX credit card, I called Barclay 's Bank. The first agent told me the account was closed and she was unable to issue me a check. She told me the credit balance would automatically be " rolled '' into my new account, but could n't explain why it had not already been done " automatically. '' I had to speak to an account specialist, and 25 minutes after my initial call, I was told the credit would be moved over " manually. '' Barclay 's Bank made it difficult for me to receive my refund and blamed the difficulty on computer glitches.

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 2017-02-05
Company: DISCOVER BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
DISCOVER BANK KEEPS ASKING INFORMATION ON MY TRANSACTIONS AND THEY OFFER COMMENTARY ON THEM. MY TRANSACTIONS ARE MY BUSINESS. THEY NEED TO LEARN TO MIND THEIR OWN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Coastal Credit, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone calls from a debt collector or financial agency called " Coastal Credit ''. Each time they call, they state they are looking for XXXX XXXX XXXX. I do not know this person and they are not a relative. I never heard of them. I do not know how these people got my phone number. I keep telling them I do not know her but they keep calling me. When I block their number, they always call from a different number. They do n't care that I do n't know this person. They just want to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Long & Foster Financial Services, Inc.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
A representative from Prosperity Home Mortgage contacted me about pre-qualifying for a home loan. During the conversation he indicated he obtained my information from XXXX XXXX XXXX in XXXX, VA. I did not authorize the sharing of any of my information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: DISCOVER BANK
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 at XXXX, I sent a request to Discover Bank to transfer {$500.00} from my XXXX XXXX XXXX account to my Discover Bank account. The purpose of the transfer was to cover a checks that I had made, they sent an acknowledgement of XXXX. Discover Bank sent me an acknowledgement see exhibit XXXX. 
On XXXX XXXX, I received a notice from Discover that the transfer was completed on XXXX XXXX, In the notice they made no mention that the funds would not be available. See exhibit XXXX. 
On XXXX XXXX, they sent me a notice that they returned my check for XXXX due toinsufficient funds. 
I called them and they state they reserve the right to wait up to 5 business days for the funds to clear. It took XXXX calls and over XXXX hours of time discussing the concerns of insufficient notice. 
My concerns are this. 
1. In the XXXX XXXX email, they stated nothing with regard to their funds availability policy. Therefore, from that email, how would i know that they would they would not be making the funds available from the {$500.00} deposit requested on XXXX XXXX? 
2. On anACH transfer why would any financial institution take 5 days to clear a transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Transunion continues to Dishonor the FCRA Section 605B I HAVE SENT TRANSUNION ALL THE DOCUMENTS AND SENT DOCUMENTS THROUGH CFPB PORTAL AND THEY CONTINUE TO FALSELY STATE THEY HAVEN'T RECEIVED THE REQUIRED DOCS BUT I HAVE PREVIOUS COMPLAINTS WITH ALL DOCS FOR PROOF OF PREVIOUS COMMUNICATION ... THE FRAUDULENT INQUIRES ARE NOT PERMISSIBLE PURPOSES FOR THERE ARE NO OPEN ACCOUNTS WITH YOU FOR IT TO BE STATED PERMISSIBLE ( XXXX XXXXXXXX ) TRANSUNION CONTINUES TO USE STALL TACTICS AND DAMAGE MY CREDIR REPORT EVERY REPORTING PERIOD ALONG WITH DEFAMATION OF MY CHARACTER. THEY CONTINUE TO VIOLATE MY RIGHTS TO PRIVACY. TRANSUNION CONTINUE TO FAIL TO SEND ME PROOF OF WRITTEN INSTRUCTIONS/AUTHORIZATION OF THIS FRAUDULENT ACCOUNT AFTER RECEIVING MY POLICE REPORT AND FTC IDENTITY THEFT REPORT. MY REQUEST IS NOT MADE IN ERROR FOR I HAVE SENT PROOF OF IDENTITY AND ADDRESS. MY REQUEST IS NOT A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST. I HAVE NOT OBTAINED ANY POSSESSION OF GOODS, SERVICES OR MONEY FR THIS TRANSACTION FOR I HAVE STATED SENT IN REQUIRED DOCUMENTS ACCORDING TO SECTION 605B OF THE FCRA POLICE REPORT, IDENTITY THEFT REPORT. TRANSUNIOM JOB AFTER RECIEVEING DOCS ACCORDING TO 605B TO THOROUGHLY INVESTIGATE AND SEND ME PROOF TO SHOW IF MY CLAIMS OF FALSE OR NOT IF NO PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO INQUIRIE MY CREDIT REPORT THEN IT MUST BE BLOCKED and deleted within 4 days of receiving documents continue to dishonor my request and the rules and regulations of FCRA and VIOLATION my rights is a {$1000.00} per VIOLATION which I hope transunion knows.

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 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
This item should have been removed from my credit file XXXX XXXX as the XXXX mortgage was what Bank of America did was make a XXXX dollar payment on the XXXX mortgage on XX/XX/XXXX to extend the XXXX mortgage on my credit file until XX/XX/XXXX I have made numerous calls to Bank of America on this and complaints through the credit bureaus with no luck at Bank of America they just hang up the phone on me I did not think it 's was legal for Bank of America to make it {$1.00} payment and close out a loan as paid and closed on my credit file and stating that the consumer myself is the one who closed out and made the payment the account I never made such a payment nor did I make a payment on the XXXX mortgage which fell off credit report on XX/XX/XXXXThis is a XXXX mortgage were talking about from Bank of America why would I in my right mind make it XXXX dollar payment and pay off a XXXX mortgage when the XXXX mortgage was foreclosed on and has already been removed from my credit file I need to get this removed from all XXXX credit bureaus the XXXX mortgage. 

The XXXX years has passed I never made this payment of {$1.00} or closed out this loan I am attaching documents showing the XXXX dollar payment on XX/XX/XXXX on my XXXX XXXX credit report I also need to have this removed from XXXX and XXXX credit bureau reporting agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: RS Clark and Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier this year I rented a washing machine and dryer combination from XXXX XXXX. Upon receipt of the item, it contained 4 prongs and my outlet had 3. This company was notified on multiple occasions that I was unable to use the item. They attempted to schedule a tech 3 times. All of which the tech cancelled and I was advised to call for a new appointment. I then quickly moved from where I was staying and called to advise instead of a repair, they would have to pick up the unit. Upon closing out the account I told the rep, I was NEVER able to use the unit. She understood and made a note that she saw my complaint and would note to NOT send a bill. Suddenly there is a bill on my credit report for {$60.00}. I am not responsible for a unit I could not use and they were notified on multiple occasions. I would like all of my notes on my account sent to me immediately. This has caused great harm to my credit report. Selling a debt to an agency that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: STATE EMPLOYEES CREDIT UNION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone stole my check book, wrote themselves multiple checks, forged my signature, and cashed the checks worth {$6000.00}. I filed a police report, printed out the fake checks, and gave them to the bank so they can pay me back the money taken from me. It has been a year and a half, nothing has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX University in XXXX, Ohio for my XXXX. During that time I was unable to receive grant money for XXXX costs, so I received a private student loan from Discover Student Loans ( Graduate Loan, for XXXX ) to help with those costs. I am now a XXXX but am attending a non-accredited University that is outside of the United States. 

Since the University is non-accredited I am not eligible for an in-school deferment. My income is a scholarship provided to me from a Federally funded organization here in the country for living expenses only and amounts to only ( after exchange rate ) XXXX USD. My minimum monthly payment for my loan is XXXX dollars, which barely covers the amount of interest I accrue each month, and pays almost nothing on the principal amount of the loan. 

I have discussed my options for repayment with Discover but have received little to no help, as the only option they give me is a reduced payment due to financial hardship, for a total of one year ( I have used six months already ). The reduced payment is XXXX USD ( so not much less ) and does not cover the amount of interest accrued every month on the loan. My income will not change for the next four years ( the length of my XXXX program here ), and I can not work another job while here ( as stated by my student XXXX ) and grant money received for research typically can not be used to pay personal expenses, only those that arise from research. 

My family is impoverished, and lives with a monthly income well below the poverty line of our county in Ohio, so I can not seek help from them. I also have already sold my only equity ( my car ) in order to try and pay off personal debts, and lower credit card payments. So I have no other sorts of income that can pay a large sum of this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX I made a loan with HFC/Beneficial for the amount of {$13.00}. The rate of repayment was @ {$220.00} per month which latter in the loan around about XX/XX/XXXX the payment were reduced to XXXX per month. My account was sold to another company who has recently adjusted the amount that I owed to them after making a complaint to them that I had been overcharged. Before selling my account, HFC did not notify me nor did they provide me with how much I had already paid to them. I believe that they have also been overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Bankruptcy

Complaint:
Years ago an old boyfriend put my name on his Discover credit card. I have never used his card or paid his bill or received a statement. He has recently filed a bankruptcy. He has contacted me because on his email billing statement they have removed his name and put mine. When he called them, they told him, " I opened the acct and put him as a signer and then telling him I called and had his name removed '', and then they wo n't talk to him saying it 's my acct. When I called them demanding they send me proof of where I signed to be responsible for his debt, they dodge the question, demand payment and refuse to send me this written proof. Can they really make me responsible for his debt? I am worried they are adversely affecting my credit score. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have previously submitted a report on XXXX XXXX, and now I would like to submit my complaint with Discover. 

I have XXXX Discover loans, XXXX being 8.8 % interest equaling {$11000.00} ( {$10000.00} originally ) and the other being 7.2 % interest equaling {$19000.00} ( {$18000.00} originally ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of loan sharking. 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is currently thru XXXX Mortgage XXXX and they were assisting me with a re-fi at a lower interest rate ; however, they determined during the re-fi process that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was listed as lienholder for my double -wide manufactured home. XXXX XXXX XXXX is a bank that failed many years back and at that time, Bank of America ( BOA ) was assigned my mortgage and BOA never reassigned and listed themselves as lienholder. Several years later, BOA transferred my mortgage to XXXX Mortgage XXXX and there again, BOA failed to release themselves as lienholder and assign XXXX Mortgage XXXX as the NEW lienholder. Since XXXX XXXX is no longer in business, I have been dealing with BOA since the beginning of XXXX and to date, no one with BOA has moved forward in helping release this lien so that I can move forward with my re-fi. XXXX XXXX XXXX and BOA have both failed to do what they should have done many years ago each time the loan was sold/transferred. In dealing with BOA, I have spoken with several different employees -- no one wanted to help until I finally reached XXXX XXXX. However, as of yesterday, XXXX told me that her and her supervisor were training to leave their current dept and go to another dept within BOA leaving me there again on a dead end road with no resolution in sight. XXXX would not refer me to anyone else except her supervisor which is the leaving the dept. herself. I was told by XXXX today that Mortgage Electronic Registered Services ( MERS ) is listed on the Title commitment along with XXXX XXXX that I can contact them at XXXX and when I did, it did indeed show the new service provider as XXXX Mortgage XXXX of my mortgage. However, BOA could not understand the fact that my XXXX titles ( double-wide home ) at the Alabama Department XXXX XXXX in XXXX, Alabama is still showing XXXX XXXX as lienholder and as long as XXXX XXXX is listed as lienholder, I WILL NEVER BE ABLE TO REFINANCE OR EVEN SELL MY HOME IN THE NEAR FUTURE. I have hit obstacles with BOA from day XXXX with no one ever accomplishing anything because they feel like they are not obligated to release the lien to XXXX. XXXX is no longer in business. Therefore, BOA should be the XXXX to release the lien to XXXX Mortgage XXXX since they assumed the mortgage of XXXX, the failed bank. If I wanted to sell today, it would be impossible -- thank goodness at this time, I am just trying to refinance. Therefore, I would greatly appreciate a quick resolution to this situation since I have received no assistance or help from BOA in remedying this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Request for refund of student loan payments ( eligible under Biben 's student loan forgiveness act ) made during the pandemic have not been process in over 30 days compare to other servicers at 7-14 days. 

Company : ED Financial Services Requested refund on XX/XX/2022 : was told " {$23000.00} will be refunded '' Followed up on XX/XX/2022 - status " still waiting for processing '' Followed up on XX/XX/2022 - status " still waiting for processing ''

Company response to consumer: Closed with explanation