BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-29
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Could n't use card with my payroll on it to pay my bills and buy things that was needed for home, i had late fees to pay and my phone was disconnected because of rushcard

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Referred to Lower.com through lead generation service Bankrate based on my sole interest in a Home Equity Line of Credit ( HELOC ). - XX/XX/21 Connected with Lower.com mortgage broker and/or originator via phone and authorized a soft credit inquiry to discuss available products. XX/XX/21 Pitched a first mortgage refinance + HELOC product by mortgage broker/originator via phone and email. - XX/XX/21 Authorized a hard credit inquiry based solely on my need of and interest in a HELOC ( included in the pitch ), with a secondary benefit of being able to lower the interest rate of my first mortgage in one closing. - XX/XX/21No mention of possible ineligibility due to property type was communicated to me verbally or in writing at any time prior to hard credit inquiry authorization.

Hard credit inquiry performed. XX/XX/21 After the hard credit inquiry was performed, I was informed by the mortgage broker/originator via email the HELOC product could not be offered, not due to information obtained from the report, but because the property is a condominium, a material fact known by the mortgage broker/originator prior to both pitching the product and performing a hard credit inquiry. - XX/XX/21 The property type was made known by me verbally several times in my conversations with the mortgage broker/originator, prior to authorizing a hard credit inquiry. 
The property type is publicly available information that should have been known with the level of due diligence I would expect from a licensed mortgage broker/originator prior to making a pitch and certainly prior to performing a hard credit inquiry for a product they knowingly can not offer due to this reason. 
I made the decision to authorize a hard credit inquiry and proceed with the product I was pitched solely based on the availability of the HELOC product, the only product I was originally in the market for. 
Raised concerns to XXXX customer care and management via phone and email -XX/XX/2021 and sent letter Certified Mail on XX/XX/2021 to XXXX management CC credit reporting agencies XXXX, XXXX XXXX, and XXXX detailing the experience. 
- No response, update, or other correspondence received as ofXX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Account Brokers Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account brokers of XXXX county picked up a debt of medical bills that my insurance was suppose to pay but did n't. The bill was under XXXX dollars but they sued me for it and added XXXX dollars for that. That increased the debt to over XXXX dollars with interest I paid them XXXX dollars then about a month and a half later they send out a wage garnishment and added XXXX dollars for that even though I was paying then. The garnishment paperwork says they are now coming after over XXXX dollars off my wife 's wages!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CL Holdings LLC
State: PA
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: Was not notified of investigation status or results

Complaint:
This company has yet to respond to any of my letters requesting documentation regarding an account that is reporting to my credit report. I sent a letter on XX/XX/XXXX and XX/XX/XXXX and have yet to receive any documentation regarding this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05
Company: Account Brokers Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted this company in writing twice as well as through the XXXX demanding debt verification from the collection agency. They did not respond within 30 days stating they needed more time to verify the debt as required by the Texas XXXX. They sent only a bill via usps, not the complete debt verification as requird through the Texas XXXX. Account brokers has consistently violated the Texas XXXX XXXX, as well as ignored my demands XXXX. 

I dispute the validity of this entire debt. I request validation of this debt per Texas XXXX XXXX. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX if you fail to meet code requirements. 
Delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. XXXX ( d ) ( XXXX ) For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceAny fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas Surety bond information as required by Sec. XXXX am invoking Texas XXXX XXXX XXXX CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. 
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response vis XXXX MAIL. 
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have no access to my money on my rushcard. I have been unable to receive my money since the XXXX of XXXX. Rushcard systems have been down and I have no way of paying bills, buying grocerys, or getting around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: RESIDENTIAL HOME FUNDING CORP.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got myself into business with RealFi Home Funding Corp ( www.rhfunding.com ) more than six months ago ( XXXX of XXXX, XXXX ), when decided to apply for mortgage refinancing with them. Today is XXXX, XXXX and the loan is still not closed, and likely won't be closed because the market conditions have changed and I would not accept the new pricing from them. As result, I lost money and time. I lost money because today I would have to accept higher rates, I would have to pay for new 0.5 % refinance fee and I would have to pay for another appraisal. I did lock the rate with them but it was meaningless if you deal with a company which would not close on loan even in 6 months. I am not sure what was their real intent. Every month they were requesting same documents over and over, and then just sitting without doing anything, at least, with my loan. They never answered the question when the loan was going to be closed. They are either unqualified or extremely arrogant. To add more insult, they did hard inquiries on my credit without consent. 
Hopefully, I saved some potential mortgage shoppers from dealing with RealFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: MS
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Rush card shut down are glitch been almost 2 weeks still ca n't access my money they block my old card I had to pay {$30.00} for a replacement card that was ship over night card arrive today an still ca n't activate to have access to my money it 's so many complaints balances wrong on account no help they said d m them on XXXX an community @ Rushcard no feed back are card they are ripping us off been with the company for years an this sad so many people are loosing everything due to this so call glitch are computer hack an XXXX XXXX seems not to care claiming they are working XXXX to address this issue this been going on for almost 2 weeks I need my hard working money can you guys help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Paypal unfairly withheld proceeds from credit card transactions for over two weeks. It 's been two weeks since payment is received from my eBay sale and the balance continued to be withheld. I have been an eBay/Paypal user for many many transactions and so is the Buyer. There is no reason for them to do this other than greed to capture additional " float ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 recently reviewed my credit.. and found a few accounts that where not mine.. I contacted the company and the court house it should have been removed.. well over thirty days ago.. still no response..

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 2015-10-30
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
misplaced credit card.. -but found credit card .. call for a replacement never received replacement and this had been since XXXX/XXXX/15 spoke to a person on the XXXX/XXXX/15 and said I will be receiving XXXX on either XXXX or XXXX did n't come ..also spoke to a person on XXXX and said to call back on XXXX for a routing number for a card but did n't get threw. The number that RUSH card has do not work their always busy and when they answer they put you on hold for at least XXXX hrs. -- no XXXX customer service .. the only time they are reachable is XXXX ; XXXX in the morning ..I have sent a couple of email which take at least XXXX hrs. to be answers but the website says a it a XXXX hrs. turn around. I just want a replacement card my payroll check is deposited on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: NE
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Have n't been able to access my money on my rushcard nor have i been able to see if anything has been deposited its been twice this month I 've had this issue and i know its due to rushcard switching services. Its a great pain that needs to be handled i need my money asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you have caused me. My information was also impacted by the Equfax data breach and may have gotten in to the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a letter in the mail from ResidentCollect Inc. for an account that I did not open with them. I have never given Resident Collect my social security number or address. They contacted me via regular class mail with a letter dated on XXXX XXXX, 2015. This was and is their first letter that they 've ever sent to me. In the letter they stated that unless I notify their office within 30 days after receiving this letter, their office will assume the debt is mine and that they will obtain a copy of a judgment and mail me of it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: WI
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 recently reviewed my credit.. and found a few accounts that where not mine.. I contacted the company and the court house it should have been removed.. well over thirty days ago.. still no response..

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 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Received letter lowering my credit limit and affecting my credit score.

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 2015-04-07
Company: Law Office of Harris & Zide
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was sued by XXXX XXXX XXXX for a debt that is well over 7 yrs old and which they kept alive by making small amounts of payments like {$15.00} and reporting that they were made by me and I have asked XXXX XXXX to send me proof of my debt he replied that I would be getting all documents showing my debt. Well I not only never received this documents he never send me a summons for the levy and I did not know until I was checking my balances on line and the bank received the court order on the XXXX of XXXX and on the XXXX of XXXX they were forced to release {$3000.00} in the mean time I was going crazy because I did not know what to do ..I called XXXX XXXX and informed him that these funds were from XXXX and XXXX, XXXX XXXX ask me if I could prove that so I faxed him a copy of my bank statement which shows prove of deposit. He then tell me that they would not take the funds because of the state and federal laws, So he that tell me to call him again on Friday the XXXX and that he was going to have the funds release back to me. Well he never attempted to refund those funds and while he was asking me about an address in California were they thought I was living all corresponded was no doubt going to that house in California he was also not truthful about who I owed this money to because and when this account was open which was back in XX/XX/1998 if its the XXXX I looked up after he told me it was household finance I recall this account and it had been closed out and paid and my credit report will show when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Creditors Service Bureau Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received numerous attempts to collect debts alleged owed by Creditors Service Bureau, asked for verification of debt, verification of debt not provided. Was provided copy of computer print out & screenshots but nothing substantiating debts listed are legitimately owed by us or are otherwise substantiated as evidenced by numerous errors listed on print out such as ( 1 ) Last name not spelled correctly ( listed as XXXX ), our last name is spelled with TWO " XXXX '' s indicating the debtor/s were not concerned about accuracy ( 2 ) XXXX XXXX XXXX is listed as one of the parties owed money to by my wife however she has never used XXXX XXXX, my wife went to XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX during the time frame alleged she owes money to XXXX XXXX XXXX ( we were also not married until XX/XX/XXXX so i do not feel its fair to attempt to collect a debt owed by my wife prior to being married ) ( 3 ) XXXX XXXX XXXX - we used a midwife XXXX XXXX XXXX based out of XXXX, KS for medical services not the hospital system her contact info is : XXXX XXXX XXXX XXXX, KS XXXX United States p. ( XXXX ) XXXX ( 4 ) XXXX  XXXX services - we do not use them, we have a XXXX  in XXXX XXXX which is not the same XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help

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 2021-04-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I settled a debt with a collection company for Synchrony Bank. I contacted Synchrony to get the status of the title for the boat only to be told they do not handle accounts for XXXX XXXX any longer. The customer service person said they could not locate any account under my social security number or name. The collection company that completed the settlement indicated that they did forward the funds to Synchrony. I have two problems, first how can Synchrony report something on my credit file if they can not even locate the account and secondly I need to know where the title to the boat is since the account has not be settled. I only have a partial account number of 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 non-monetary relief
Consumer complaint received 2021-04-01
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company I looked up on the internet XXXX XXXX said I have a debt with them that I do not have. They have sold information more than once to third party collection agencies for quite awhile. I do not owe the debt and it has been taken off my credit reports more than once. This is fraud and I do not owe the debt. I do not want any more letters from a 3rd party collection agencies. This debt debt has been passed around from once 3rd party to the next for example from XXXX XXXX XXXX to Halstead. Now I have another bottom feeder Halsted Financial Services contacting with letters. This is not my debt. I have contacted my attorney again about this issue and bring suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We initiated a short sale file with OCWEN on XXXX/XXXX/15. We submitted a contract to them on XXXX/XXXX/15 requesting the file be reviewed for HAFA, the lender has been reviewing for HAFA since XXXX. We received a counter from them last week stating the value is {$180000.00}, which our offer was at and they said the closing costs needed to be lowered to {$5000.00}. We made this change and submitted the HUD in with the changes. Then today we get a call stating the investor is not approving the offer, even though we are at full appraised value, because we are netting $ XXXX and he wants to net $ XXXX. I responded and stated we would net over that if it was n't for the XXXX lien payout of $ XXXX and the $ XXXX relocation incentive to the seller. Ocwen told us our only option then is to do a traditional short sale. This just seem right if the file qualifies for HAFA and is giving a full appraised value offer but is not meeting a certain net number the bank can make the seller do a non HAFA short sale and receive no relocation incentive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CarMax, Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have been fighting with Carmax now for months over a XXXX dollars that is showing on my credit report. This is ABSOLUTELY RIDICULOUS over XXXX dollars. It stopping me from getting the credit I need over XXXX dollars. I mean come on this is so stupid a company that HUGE is gon na make a big deal over XXXX dollars. I want this report from my report NOW!!!!.

Company response to consumer: Closed with explanation