BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: DISCOVER BANK
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
ON XXXX I HAVE RECEIVED A SPECIAL INVITATION BY MAIL FROM DISCOVER TO APPLY FOR A PERSONAL LOAN. ID # XXXX OFFER EXPIRES ON XXXX XXXX. SO, BEFORE I APPLIED FOR THE LOAN ON XXXX XXXX. I HAD CHECKED MY SCORE AND USED THEIR CALCULATOR THEY PROVIDED TO SEE WHAT THE APR WOULD BE. 13.99 %. OK, SO I CALLED AND ASKED A FEW QUESTIONS. XXXX DO YOU PRESCREEN THE SUBJECT BEFORE THE INVITATION. ANSWER : YES. XXXX WILL YOU INVITE IF CRITERIA IS NOT MET. ANSWER : NO. SO ONCE I GOT MY ANSWERS. I APPLIED. AND THEY DENIED ME. NOW I HAVE UNWANTED INQUIRY ON MY REPORT WHICH KNOCKED MY SCORE BY XXXX POINTS. AND FOR WHAT? I HAVE BEEN WORKING EXTREMELY HARD ON FIXING MY CREDIT SO I CAN HELP SECURE A FUTURE FOR MY FAMILY. I GOT MY FIRST BREAK FROM XXXX XXXX XXXX WITH A {$300.00} CREDIT CARD, IN LESS THAN 18 MONTHS I HAVE OVER XXXX WITH XXXX XXXX. I HAVE APPLIED FOR OTHER CREDIT CARDS SINCE. AND NEVER DENIED WITH ANY XXXX. NOW I HAVE OVER XXXX WORTH CREDIT CARDS AND XXXX CAR LOAN, THAT 'S HOW HARD I WORKED TO GET HERE, TO BE STABBED BY DISCOVER WHO I HAVE A XXXX CREDIT CARD FROM THEM WHERE I MADE OVER XXXX PAYMENTS THE 16 MONTHS TIME AS A CUSTOMER AND UNDER 25 % UTILIZATION. I AM OUTRAGED WITH THEIR TACTIC TO XXXX MY CREDIT. JUST BECAUSE THEY CAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Global Asset Management Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I was called by a man named XXXX XXXX from a debt collection agency named GF group stating that I was going ti be sued by XXXX XXXX bank for a debt of {$1200.00} and I can settle this debt by paying {$25.00} on XXXX/XXXX/15 and then {$480.00} on XXXX/XXXX/15 He haf said that by XX/XX/XXXX it will appear on my credit as PAID IN FULL he did send me an agreement letter via my email : XXXXXXXXXXXX which I do have. After checking my credit report I still do not see this on my credit and it is also a different amount I owe. I have called him numerous times and he says it takes anywhere from 20-30 business days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I went to XXXX XXXX after XXXX school and they automatically gave me these loans and now my credit is ruined and I cant get a house and they never found me a job in this feild. I am now in a different feild but the private loans are having to be paid back and I am barely making ends and cant consolidate them to help make it easier. I am paying on them to help from ruining my credit anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid off and debt was resulted from identity theft and fraud embezzelment. 

As you know I have reported my identity was compromised. 
Po ; oce re [ port and Identity Theft Victim 's Affidavit had been mailed to you and to the bank institution. 
I asked that the charges be taken out of my billing. 
Please respond within the next 30 days that the charges are removed.

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 2017-04-28
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Asset Management is a ttempting to collect on a debt that by law, in the state of Florida, they 're not licensed or bonded to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America foreclosed on my home and sold my home in XXXX 2014 without having my ( PROMISSORY NOTE ) @ the time sale.I later found out that they broke the FEDERAL LAW and I lost every thing.I need LEGAL help with a BREECH of CONTRACT that they did to me.They even took my ESCROW account away from me also.

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 2016-08-27
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already disputed the amount this company is attempting to collect from me. I do not owe this amount since my insurance paid for the very same claim this people are trying to collect on. I need them to prove what they are saying, and I need them to stop their harassment. 

I waited over 2 months to take on the treatment, because I was not able to take it until it was approved and paid by 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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I feel that I was directed to utilize the " forbearance '' option instead of discussing other alternatives/options. I had a $ XXXX loan which has now ballooned to $ XXXX as a result of the forebearance option. I was approved for so many forbearance 's every single time that I do not believe there was a limit or that I had other payment options. I have utilized my entire XXXX funds in order to pay for my loans and to be current on my loan. I currently pay {$1300.00} per month and I ca n't afford to pay this any longer. I need a reduction in my payment and I can only afford to pay {$300.00} per month without having to borrow from my XXXX or even take hardship withdrawals. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient services my student loans and i have called them multiple times in the past about misleading/confusing information and misallocations of my payments. I 'm sure these complaints have been ignored by Navient but I want to know what I can do invving this lawsuit and any repercussions in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Equifax : After 3 consecutive letter i am now writing to you via cfpb to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX- XXXX XXXX  Inquiry Date : XX/XX/2019 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Hewitt-Capital
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call at work today from XXXX who said he was with XXXX. Refused to provide any information other than he had been trying to deliver documents to my address from HC. When pressed for information I was transferred to someone else who refused to provide the name of the company he worked for or contact information and told me if I did n't set up a payment plan with him then " good luck to me ''. I requested verification of any debt owed and was told it had been sent previously and would not be sent again. I never received anything from this company for any supposed debt owed. Since that time this morning, they have contacted XXXX co-workers, my son, my sister-in-law and nephew ( both of which live XXXX miles away ) and who I have never given any information on to anyone. I was told these are legal documents to be delivered and if I was n't home today to receive them they would be showing up at my place of employment. Again, they refused to provide any information or verification of any debt they claim I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Huntington National Bank emailed me offering XXXX to open up an account, I decided to open up XXXX and have a settlement of XXXX directly deposited into the account. I then made an initial deposit of XXXX. The bank then did not post deposits then continued to charge me over draft fees. the Deposits then posted they credited the fees, I then went to pay for my prescriptions without notice they cancelled my account. They have left me pennyless without the life saving medication I need until the 7/10 days I receive my check from them. Hopefully by then I wo n't be hospitalized for going without my medicine for that long. I then contacted the bank and refused to tell me whats going on and required me to go into the branch, I asked for a reasonable accommodation, which at that point I believe he said I have to be " Big Man '' and deal with it. To be mocked, to be over talked was absolutely disgusting when asking for a reasonable accommodation, When asked if that 's how they treat their customers he blunted stated that I 'm not a customers. He refused to give me any information besides his name is XXXX. The phone call Started at XXXX and they hung up 20 minutes later. Without the information I needed with just them being rude working me up so much I have been XXXX since incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Mercedes Benz Financial Services
State: GA
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:
On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these agencies written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX MB FINANCIAL SERVICES Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I contacted all three CRA 's letting them know they have violated me as a consumer by reporting inaccurate and incorrect information on my consumer report. Per Congress consumer reporting agencies are to insure their grave responsibilities with fairness, impartiality, and a respect for me the consumer 's right to privacy which has been violated. 15 USC. 1681a ( 2 ) ( A ) ( i ) states the term " consumer report '' does not include - any - report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC.1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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 2022-10-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I joined a promotion of XXXX XXXX XXXX  in XXXX in Citi Bank XXXX XXXX XXXX, that is I deposited {$50000.00}, I can get a XXXXXXXX XXXX XXXX it cost around {$250.00}, the bank promised I can get it before XX/XX/XXXX, but I didnt get it at that time, when I got to the XXXX XXXX XXXX, they told me they dont have it for me. I went to the branch many times, they said there is no guarantee, this bank have many fraud, misrepresentation advertisement. 
The location of this branch : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Phone number : XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-08-03
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I ran a credit report ( XXXX ) to rent an apartment and discovered an outstanding amount in the Collections section. This debt does not belong to me and can not possibly belong to me. 

I researched the collections agency ( SouthWest Credit System ) and discovered XXXX other complaints against this company for false collections claims. 

This false collections claim seems to have been on my credit report for some time and is completely bogus. It has hurt my credit rating and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Netspend Corporation
State: HI
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I was n't able to access my account then I call and found out that Netspend had closed my Account with out my permission. And not notifying me right away when this ERROR TOOK place! I had to find out on my own that my account was closed .because I wanted to pay a bill. And when they closed my account They took out all my money which I wanted it to stay in my account but they did n't put back in my account.INSTEAD they mail me my money which is going to take another 2 weeks or so just to get my money. They really put me in a bad situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: RMK Financial Corp
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
This is concerning loan # XXXX with R.M.K.FINANCIAL CORP. D/B/A MAJESTIC HOME LOAN. IN XXXX I COMPLETED A LOAN APPLICATION AND WAS EXPECTING TO CLOSE THE LOAN IN XXXX, 2016. AT THAT TIME THE CLOSING COSTS WERE APPROXIMATELY {$10000.00} AND WE WERE GETTING AN ESCROW CHECH FOR APPROXIMATELY {$1000.00}. THE LOAN DID NOT CLOSE IN XXXX AND FINALLY CLOSED XXXX XXXX, 2016. CLOSING COSTS HAD RISEN TO {$14000.00} AND THE ESCROW CHECK WAS {$56.00}. I WAS NOT ASKED FOR ANY FURTHER INFORMATION DURING THIS PERIOD AND CAN NOT UNDERSTAND WHY THE LOAN TOOK SO LONG TO CLOSE AND THE CLOSING COSTS ROSE {$3000.00}. WOULD APPRECIATE YOUR LOOKING INTO THIS MATTER. SINCERELY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL. XXXX TEL. XXXX E-MAIL XXXXXXXXXXXX. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Southwest Credit Systems, L.P.
State: TX
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:
I want Southwest Credit to Validation that I owe them with proof of signature of a contract signed.I hereby authorized Southwest to release proof of contract with my signature as a validation to consumer protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Netspend Corporation
State: MI
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
I got a netspend card I activated it on the XXXX of XXXX and on the XXXX my XXXX was deposited and on the XXXX I got a text saying my card was stolen as it was not I had my card and soon as I got off the phone with them my card at a transfer amount of XXXX and netspend saying they will not return my money. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Vital Solutions, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've received 10 calls in the past 22 days from Vital Recovery Services with a recorded message to call a number about a debt. I 've called and verified I am not the person they are calling for and I do not know the person. They said they would remove my phone number but I continue to receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion is not allowing me to access my credit report online. When I contact the customer service number at XXXX they say that I have to contact Transunion Credit Monitoring department at XXXX. I call that number and they say I have to call dispute department which the number is the same as the customer number of XXXX. I 'm trying to access my credit report and dispute online but error message keeps coming up and been on the phone for 5 hours and unable to get anything resolve because each department keeps saying its the other department fault.

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 2016-02-27
Company: Netspend Corporation
State: WV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
From XXXX XXXX, XXXX to XXXX XXXX, XXXX I was XXXX, durring these dates i had an account with netspend corporation where SSI benefits was being sent to. My account was used and funds spent out. In XXXX XXXX after being sent to an XXXX i found out they were spent illegally. I file an complaint against all transactions made durring that time ( dispute ref. # XXXX ), netspend only creditted {$600.00} to my account in XXXX, XXXX out of the {$1300.00} `that was sent to me from social security administration for two months ( $ XXXX/mo. ) that was spent out. I continue to call and request for the rest thats owed to me and they either tell me thats all they can verify spent but where no money in my account or they hang the phone up. Last contact where the call was hung up was XXXX/XXXX/XXXX at XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: Select Management Resources, LLC
State: NH
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XX/XX/2016 I took out a title loan on my car for XXXX . I was suppose to repay the loan by XX/XX/XXXX. I lost my job during that time and my apartment. I did n't get to pay the loan on time. I recently got a new job and contacted Loan max to start taking care of the loan but the minimum payment they need me from is basically the entire loan amount. Please help.

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 2016-09-27
Company: Southwest Credit Systems, L.P.
State: AZ
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:
closed account with XXXX XXXX company for home at XXXX XXXX XXXX XXXX, XXXX started new services at XXXX XXXX XXXX XXXX XXXX XXXX service there form XXXX XXXX on my credit report a collection debt from Southwest Credit Systems , LP account number XXXX for amount of {$630.00} open date XXXX XXXX collecting for XXXX XXXX Company for home on XXXX XXXX XXXX that i closed in XXXX how can the collection company use a XXXX date to make it seem like its a new debt when it was a XXXX debt just want the collection company to have a date the account was closed and give me the legal statute that a debt can stay om my report

Company response to consumer: Closed with explanation