BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a cosigner to my daughters loans and she is unable to pay at this time. I am unable to pay current payments because they are too high. I have tried talking to the Lender and they are unwilling to do anything to make repayment possible. They are unwilling to reduse interest or extend loan term. They say there is nothing they can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I saw a post of facebook for a XXXX item for sale. I contacted a XXXX XXXX to purchase the item for {$330.00}. Paid the {$330.00} on Zelle and the item was never shipped. Paid to husband 's Zelle account and then asked me to cancel and repay to her son 's account. Requested her to refund me several times. Then she asked for more money to ship. Now saying my loss XXXX Zelle account : XXXX XXXX XXXX Son 's Zelle account : XXXX XXXX XXXX My Zelle account is through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Abbott Osborn Jacobs PLC
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The lawfirm of Kevin Abbott brought a small claim suit against me for a private loan signed off in XXXX, this was brought against me in XX/XX/XXXX - 17 years after the loan had been disbursed. The only proof of this debt that was provided was the original signed loan document XX/XX/XXXX. They created a situation that I couldn't defend - I had no way to prove or disprove something that was 19 years old. They obtained a judgement against me on this time-barred debt. And now I am fearful they can collect on something that I may have already paid or has been written off and that I have no way to defend because of it's age.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
TD Bank has a TD GO Card. They started charging inactivity fees. They reversed the fees initially and said they would be charged within 12 months. XXXX the supervisor refused to fix the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a cash balance of {$800.00}. They changed the policy and I cant get the cash balance that was available before the policy change.

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 2022-03-24
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into a store that was still XXXX and XXXX Colorado on XXXX XXXX around XXXX or XXXX of 2020 and paid cash for a phone and had the receipt and still do. But whenever I mentioned I had to receive that was whenever I contacted XXXX multiple times, tried to go to the store immediately after finding out only to find out that the store have been shut down due to a XXXX XXXX and never reopened because they were shortly bought out by XXXX. I have discussed this issue with rent multiple times before and after they were bought out by XXXX getting hung up on or told I would call back by somebody that would be able to help, XXXX  has not been able to help either. The charge is for a cell phone that I sent in to get replaced and never got back so not only were they able to still almost {$400.00} cash and ruined my credit, but they were able to still an entire phone from me as well. Like I said I do have proof of all this as well as well as the receipts. I have even contacted and disputed the charge with XXXX XXXX but they said that the charge is verified even though I have attempted multiple times to get them to prove my debt, knowing that they won't be able to as I have the receipts of the pay bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on Saturday XX/XX/XXXX I checked my credit score on XXXX XXXX in the morning and it was XXXX, the same day in the afternoon my score drooped 57 with no reason

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 2021-01-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Name is XXXX XXXX I have a mortgage loan with Lakeview Loan Servicing. My loan # isXXXX. I live at XXXX XXXX XXXX, XXXX, TX XXXX. I made a one time payment of {$1400.00} that was charged to my bank account on the XXXX of XXXX. Then an auto draft payment was charged to my bank account for the amount of {$1400.00} XX/XX/XXXX. I never setup Autodraft and I did not authorize this payment. I called customer support and the agent # XXXX said my account was somehow setup for Autodraft but she didn't see when I requested to have it setup. Because I never setup Autodraft. The agent told me I needed to write Lakeview Loan Servicing and ask for a refund. I wrote them on XX/XX/XXXX at XXXX. I also got charged a fee for having insufficient funds by Lakeview Loan Servicing. Who has money to make two mortgage payments a month? Not me and now my car payment is going to be able to go through because I don't have any money in my bank account thanks to Lakeview Loan Servicing. I have yet to hear back from Lakeview Loan Servicing and my bank account has been overdrafted for 2 days now. I would really like a refund and for them to remove the {$34.00} fee for insufficient funds. They robbed me and I can't get a hold of them. Please help. 

Thank you, XXXX XXXX XXXX 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 2015-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have had 8 years of identity theft on my credit reports. They took off over XXXX accounts and XXXX inquiries. They will not put my credit score where it was. It was in high XXXX. I worked hard on my credit and had no late payments. Can you help me fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have unauthorized inquiries reporting on my Experian Credit report. The unauthorized inquiries are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and 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 2015-09-15
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
School: XXXX, XXXX AZ
My student loan was apparently transferred from XXXX to XXXX. I have asked UAS for copies of the signed promissory notes for the XXXX loans held by XXXX. If my loans are owned by XXXX and are being serviced by UAS then they should have the original loan information. They should not be allowed to threaten to report a delinquency to the credit reporting agencies if they cannot provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company sent me a letter that they purchased my debt account from the original company and that they were handling it and that I had 30 days to pay I contacted them told them that I was currently unemployed and that I had no income and here it is one month later and I 'm receiving paperwork to go to civil court over a debt I can not pay because I own nothing and I have no income how can they do this when I tried to explain if I had employment I would be happy to set up a plan but I do n't so how can I pay if I have no money and I live with someone else?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Monterey Financial Services LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a collection on my credit report from Monterey Collections from a debt owed to XXXX. I disputed the debt with the credit bureaus and it came back as verified. I contacted Montery to get this fixed, they said I owed XXXX. I told them I did not know of this company or debt. They said from a lease XXXX XXXX, I have never leased a TV and do not know of a XXXX  XXXX. I asked for a copy of the original documents and purchase but they have not produced it or removed the debt. According to the Fair Debt Collections Act they must provide information to substantiate their claim and have been unable to do so. I'd like this entry removed from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have worked diligently over the last 5 years on my credit report. Specifically, I have made every single car payment on time to TD Auto Finance for over 3 years.I decided last month to refinance so I can prepare to buy a home in the near future.I refinanced my vehicle loan from TD Auto Finance with my bank, Elevations, at their recommendation and called TD Auto Finance and advised them that I was currently refinancing with my bank and what do I need to do if anything. They said I did not need to do anything as long as I was still within my grace period of the payment due date of which I was.I am not sure the exact timeline of communications between TD Auto Finance and Elevations and of that I have no control over anyway, but all I know is that my next payment was finally due and that was due to Elevations bank of which I paid.During this time frame TD Auto Finance sent a negative report to my credit report. It is like they threw over 3 years of perfect payment history and me notifying them as to what was going on with the refinancing back in my face. Not only that but they were paid in full the amount of the loan. I have worked so hard on my credit report to have this happen and when I saw this on my report today it made me sick to my stomach. I need to know what step to take next to resolve this issue and get that negative mark off my credit report. Thank you. Respectively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We are trying to let a mortgage so we hired a credit repair company, They put disputes in. Now we can't get a mortgage because of the disputes on my credit report. I have been trying to get those disputes off my report sinceXX/XX/2020 and they are still there. I have written them and sent copies of my id 's and have called them several times. I have already lost a house we wanted because of them and there inability to follow directions, This has only been a problem with Equifax all the other bureaus have complied with my wishes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
It is very simple. Citi closed XXXX of my LONGSTANDING credit card accounts because I did not use it enough for them to make money off of me. They did not warn me in any way that they were going to close my account. By closing the account, without warning, they have messed with my credit history and therefore my credit score. I could have EASILY used the card had they provided me with some sort of warning. Once again, a huge company is thinking of its ' bottom line and completely disregarding their affect on the consumer!

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 2022-10-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The complaints below have responses and feedback from parties that are misleading and not factual. The parties remain in contempt of CFPB orders filed XX/XX/2022 that are to protect me, victim of their identity theft fraud schemes. 

XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

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 2015-04-15
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen XXXX is still trying to force me into foreclosure. After I sent them a payment of {$50000.00} dollars via wire transfer. From XXXX XXXX XXXX XXXX XXXX XXXX Al. They have continued to call and harass me at work saying I owe them {$59000.00} AND CHANGE. 
I am more than willing to pay the balance. But I will not put up with harassing phone calls. 
thank You for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
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:
Account has been paid off and account status says Paid however payment status says Collection/Chargeoff

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 2021-01-07
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For some reasons, my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing on XX/XX/2020. My bank account was charged that month by both companies ( XXXX XXXX and Shellpoint Mortgage Servicing ) as they couldn't manage to properly cary over the automatic paiement settings that was in place. That created lots of confusions around the status on my paiements and Shellpoint Mortgage Servicing opened an investigation that is still pending. 
While we are all waiting on the result of that investigation, they keep reporting a debt on my account which hurt my credit very badly, affecting my family and my business reputation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a Cap One XXXX account in XXXX 2016. I use it as my primary financial accounts for Checking and Money Market. My monthly transactions consist of my XXXX paychecks that are direct deposited to my Money Market along with various monthly rent checks from my investment properties. Currently I have almost {$100000.00} in both of my accounts. Around XXXX/XXXX/16, Cap One XXXX posted on my on-line account that my " Funds are currently unavailable for withdrawal. Please call us at XXXX ''. I have called the past few days to find out why. Each time I called I was on hold for over 1 hour and finally hung up without taking to anyone. Today, XXXX/XXXX/16, I was able to talk to a representative waiter 30 minutes on hold who then said he had to transfer me to the Customer Security Team who is the only source that can discuss with me why my account was put on hold. He said it would take only another 10 minutes on hold. Forty five minutes later, I am still on hold .... apparently I was told by multiple reps that they have experienced higher than normal wait time. Several of my monthly autopay bills, such as my monthly mortgage payment is at risk until Cap One resolves this issue. I requested Cap One to send a check to my renter who lives in XXXX, VA from my checking account last week. Cap One did not issue the check. After multiple attempts to contact Cap One XXXX, I am very concerned that I ca n't reach Cap One to find out why my funds are not available for my use and more importantly Cap One has made no effort to contact me directly in this serious issue. I have no access to accounts to withdraw cash or pay my bills. My credit score will be negatively impacted and I am potentially at risk for my mortgage default since I ca n't withdraw funds. I visited the Cap One brick and mortar branch who basically said they can not help me only Cap One XXXX. I need assistance on how I can access my funds at Cap One XXXX. How pervasive is this bad business practice that Cap One XXXX uses to hold customers accounts hostage? Customers are not able to reach the Cap One XXXX team to obtain validation as to why there is a restriction for no reason. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My credit score dropped XXXX points in one week with no negative impacts from my credit history.I called both XXXX and XXXX and they were unable to explain the decline in score, they even stated there were no changes to my credit history. I went through every aspect on my credit report with them from credit card use to hard inquirers and there were no adverse changes. My over all debt had even decreased. My score went from XXXX to XXXX. They just said they have no control over how the score is generated and could not provide any negative impacts that had occurred over the last 60 days. XXXX told me if I paid them money they would provide that information. I have contacted XXXX, XXXX credit monitoring and they all said they have no negative changes ... .this change in my score has caused extreme distress for my financial future and the pause in my ability to seek out loans or apply for credit cards that offer better interest rates and balance transfer. My wife and I were planning on buying a new home. 
I have received no information or help on this problem after hours on the phone with both credit reporting agencies.

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