BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-06
Company: Empowerment Ventures, LLC
State: AP
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I transferred money from my Rushcard Prepaid Visa card on XXXX XXXX, 2015, to my XXXX checking account. It was an amount of {$370.00}. The money is shown on my XXXX account as a credit and the balance showed that. On XXXX XXXX, 2015, {$370.00} was debited from my XXXX account back to my Rushcard account, and my Rushcard was unlinked from my XXXX account, bringing my account to a negative balance. That money should have gone back to my Rushcard, but it did n't. I also found out that the transfer out of my Rushcard account into my XXXX account did n't show up on my Rushcard. I called XXXX, and they told me that this would be on Rushcard 's side. Rushcard has been telling me that they do n't see the transaction on my card, so I ca n't get my money back. When I first called Rushcard about it, I was told that the transaction was seen on my card, and that whenever their system recovered from the system outage that occurred coincidentally right after I transferred the money, that my balance would be updated. Subsequently, I was told that the transfer is n't seen on my transaction history. I also keep being told that I ca n't make transfers out of my Rushcard account, which I was unaware of when I attempted to move the money between accounts. I called Rushcard a week ago, and I spoke with XXXX, who is apparently a senior customer service representative. He gave me his employee # and told me he would work this issue personally since it had been in the works for so long. I asked to speak with him today, and I was told that they did n't know if he was at work and that there was no way to get in touch with him directly. His employee # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CITIBANK, N.A.
State: SC
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2017-05-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE, account number  XXXX  is an ever increasing debt on my credit reports,   XXXX    AND  XXXX  I dis puted the debt with  XXXX  and it came back verified.I, in my dispute told CMRE and  XXXX  this : I had treatment at  XXXX   XXXX  After  the treatment I received a bill ... I wrote to the hospital explaining my difficulty in paying as I was homeless, broke and sick at the time.  XXXX   XXXX   sent a letter saying not to be concerned ; that  XXXX   XXXX  had a " homeless fund '' that they could dip into and cover my bill.They said not to worry about it that it would be covered by them and paid completely.I received no more bills or contact from anyone including CMRE.I have never had a debt validation notice from CMRE, yet according to  XXXX  they investigated and " verified '' to  XXXX .The letter sent to me is in the files of  XXXX   XXXX   XXXX   XXXX .   I have not as yet come up with or been able to find my copy of their letter as it was about 5 years ago ... but my girlfriend and I would n't have thrown it away and may come up with it shortly ... ..Nevertheless.  XXXX   XXXX    XXXX   XXXX  HAS A  COMPUTERIZED RECORD OF THEIR CORRESPONDENCE WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a loan being serviced by Great Lakes that has been sent to collections. I have been unable to afford any payment options they have offered. They have put me on a rehabilitation plan where I pay {$5.00} a month to get out of default. However, they sent me a letter that states I can only get out of default if I sign a letter agreeing to allow them to charge me a 20 % fee ( of the total balance ). My loan is over $ 100XXXX so this fee would be over $ 20XXXX. I explained to them that this would put me in much worse shape than even before. I feel this is unethical and not in the best interest of their consumers. They are simply making the debt so large it becomes impossible to pay. They are using a collection agency XXXX The contact I have spoken with is very rude and and told me I have no rights to negotiate while my loan is in default. Your help is looking into this unethical practice would be greatly appreciated. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Why I am filing a complaint against  Wells Fargo.    I applied for  one of  their  XXXX   XXXX  credit cards because It offered {$150.00} reward if I applied, got accepted and made {$1000.00} in purchases during the first 3 months. I made {$1000.00} in purchases during the first month. I called  Wells Fargo  about getting my rebate and they gave me the run around. Then they tried to tell me the promo was for only {$100.00}. I have made a dozen calls and complained. I have also complained with their  executive appeals office. However, during my first 3 months with this credit card, Wells Fargo increase their offer to {$200.00} ( with the same requirements ). I am filing a complaint because Fargo  has not been ethical and honest with me at all and have never responded to my dozen or so calls to fix their error.

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 2021-12-28
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2015-10-08
Company: Niagara Capital Associates, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I continue to receive calls from this company XXXX, stating that there is legal action against me. They do not mention anything other than that there is legal action pending if you do not return call immediately. For what for, from who, they do not even mention if they are attempting to collect on a debt. All they provide is a case number, they do n't even say if involves a debt, or not. This is purely harassment for something that is n't being disclosed, threatening legal action for something that is not known. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: SYNCHRONY FINANCIAL
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a account with Scrophony Bank on XX/XX/XXXX and made my initial deposit of {$1000.00} dollars via bank transfer from my account at XXXXXXXX XXXX XXXX  Was told the deposit should take 3-5 : Days to be available.On XX/XX/XXXX I received a email stating that my transfer service had been suspended. Then on XX/XX/XXXX I received an email stating that my transfer had completed. On XXXX  as well on XX/XX/XXXX and on XX/XX/XXXX and XX/XX/XXXX all times being told that my account is under review and no further info was available and it would take 30 to 60 days to review my account. How can they hold my money for no reason given to me. This is crazy and I wan na know how they can hold my money.

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 2017-05-11
Company: EQUIFAX, 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:
XXXX   XXXX  has a hard inquiry on my Equifax credit report that needs to be immediately moved. The dates ar  e  XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX .       I also want to have  XXXX  's hard inquiry from    XX/XX/XXXX  removed.
Us Department of Education from  XX/XX/XXXX  needs to be removed   as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: IL
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:
I mailed a Multiple  Inquiry Removal Letter  on  XXXX   XXXX ,   XXXX   by certified mail to Equifax in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They responded with a letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response so quickly after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home soon and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ERC
State: TX
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:
XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: Webcollex, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX / XXXX /  XXXX  , {$1200.00}, mailed certified debt verification letter to collection company, no response as of yet. Collection company is not licensed to collect in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Access Receivables of NC Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. They have said it is early termination of an internet service contract, but FCC has banned early termination fees in business data services, so that point is moot. I have told XXXX many times to stop calling and he has ignored this request. He has called repeatedly and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling. 

All bills have been paid through our cancellation date of XXXX/XXXX/2015. Actually we paid our bill for the entire month of XXXX 2015, so there would be no problems. That seems to have not been the case. There has been nothing but problems and actually XXXX owes us money and not the other way around if we were to push the matter. See our correspondences attached that were mailed and emailed to XXXX. I spoke with them about cancellation prior to ending service and provided all they requested. They even came and picked up the equipment in XXXX 2015. At this point we need all contact from the collection company to end. No more phone calls harassing our staff and telling our staff how bad they are and the verbal defamation of our company to our staff. It has been completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter regarding credit card inactivity from Target for a REDcard. I tried to make a purchase on my card in order keep the account from closing, but XXXX different stores did not accept the card. I called Target last week about the not working card and we found out that the card I was using was unable to be used and they had not sent me a new card. The rep I was talking with was aware of the inactivity closure deadline approaching and assured me they would send me a new card quickly enough for me to have enough time to make a purchase and save the account. I received the card on XX/XX/XXXX. When I called in to activate the card, another rep informed me that the account was closed due to inactivity. I do n't have much time to speak on the phone at my job so I decided to call back another time. I called back today ( XX/XX/XXXX ) and asked the rep to transfer me to her supervisor. The customer service rep hung up the call on me. I could see the direction this interaction was about to go so I decided to file formal complaint with CFPB. 

In short, I would like my account reactivated in order to avoid a hit to my credit score. As explained, I would have been able to save the account but the card came too late, which is the company 's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Do to rushcard my bills are being late and im being charge late fees my card is being declined.money is taking out of my account that was not suppose to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RASH CURTIS AND ASSOCIATES is attempting to collect a debt from me that I have no awareness, via threatening to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Previously, I had contacted CFPB with regards to the issues I was having with making mortgage payments to  Freedom Mortg age using their online payment website. Following this, someone not sure who - from freedom Mortgage Customer Service contacted me and said that he was a supervisor. No name or contact info was given to me but he claimed that he would make the necessary adjustments to resolve the overstated charges which would be credited to the principal amount which would be reflected the following month, whioch would be  XXXX   XXXX . At first I saw the amount due for  XXXX   XXXX  would be the usual {$610.00}, but then, somewhere during the interim prior to  XXXX   XXXX , I saw the amount due was changed to {$660.00}. The problem with this online payment site is that  one is not given the option to pay a specific amount according to its category. There 's NO individual listing for principal, interest or escrow. There is just ONE total amount to be paid and that 's whatever Freedom  chooses to put as THAT payment amount. My last payment was an exorbitant {$700.00} or more over the true amount that was actually due and that was supposed to have been credited back to me. Instead,  Freedom has increased the monthly amount due which well may be added unnecessary late charges & fees which they  choose to add on themselves and which there 's NO way of making payment for the actual amount due. Once again, I have been repeatedly calling and emailing and NO response. I have been in the hospital again because of all this and have proof of my constant   XXXX    XXXX   XXXX  caused by the stress  Freedom  Mortgage continues to be responsible for. I am seriously planning to file a civil law suit against this company for   XXXX   XXXX   XXXX   resulting in serious medical issues.  XXXX   XXXX  seems to be  XXXX  again & all I get are solicitation calls about refinancing. THIS is a VA ARM Loan and there has been NO change in taxes or home insurance so there is should be no change in Escrow. Last year,  XXXX , the monthly mortgage payment increased by about {$11.00} due to the change in interest rate, however, that increase from {$600.00} to {$610.00} remains in effect until  XXXX   XXXX , so why is their monthly charge {$660.00}. I am NOT falling prey to THIS SCAM company nor will I allow myself to be manipulated or intimidated in any way by their online payment site which is a BIG Scam. Read ALL the reviews on this yourself. I did call and and asked to speak with someone in the  Accounting/.Finance Dept.  and the person on the other end gave me a blatant NO. I even emailed  XXXX   XXXX  expressing my intent to go into their office in   XXXX   XXXX   NJ to get this all straightened out, yet, NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America charged a {$35.00} fee on a cash transfer -when there were available funds-, causing my account to drop into the negative. After contacting BoA, they admitted that yes, they applied this fee to a cash transfer when there were available funds, yet refused to return the fee. I went to management, and filed a claim through their process which they then denied. I have a copy of the online chat with their representatives and a screen capture of the charges applied to my account. I do not understand how this is not flat out stealing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief