BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on or before XX/XX/XXXX & XX/XX/XXXX XXXX XXXX has been contacting family members in an attempt to collect discharged debts. They have contacted my family members, elderly parents and my employer on multiple occasions regarding debts that have been discharged in my XXXX ch XXXX bankrupcy. They have not contacted me recently, however they have in the past. When they contact family members and my employer they have stated that my local sheriff department is looking for me to take me to jail. My family members are afraid of them. My employer is questioning my honesty. Their collection practices are illegal and criminal.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-10-31
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
American Express Bluebird card has permanently suspended my account with a balance of {$8900.00}. I just received an email on XX/XX/2020 stating that balance. I have not been able to get to those funds since some time in XX/XX/2020. I call them continuously and no one has any information to give me because of my account being frozen. All they tell me to do is write a letter and mail it to them, which I did and still have yet to get a response. I need help getting these funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with Bank of America. There was fraudulent activity that occurred in XXXX both with deposits being made into the account and debited from the account. I don't look at my account that often but when I saw what was going on I went to my local bank and explained to the manager what was going on he said that Bank of America put a temporary close on my account. I am XXXX years old and a XXXX in college. My mom was the cosigner in the account because I got the account when I was under XXXX. She has spent hours and days on the phone with representatives from the bank but either got put on hold or got disconnected. Then we got a letter that said the account was closed for no reason. She decided to contact XXXX XXXX XXXX which were given as the reporting agency. In the letter it said that we may not be able to open another account for 5 years. When she got the report it said the account was closed due to check fraud. There was fraud but we are the victims. The Bank never contacted me in person to ask me about my complaint. I don't understand how this could happen to the victim of fraud. My mom was getting a home line of credit to help pay for college and she couldn't open an account at another bank because she cosigned the account years ago. It's not even her account. Please give us some guidance.

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 2018-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BANKERS HEALTHCARE GROUP LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had fraud on my accounts, so I ordered a replacement card. This company said they sent me 2 replacement cards in the mail. I never received either of them. I have called and they only want to charge me to ship the card to me a different way. I had to argue with the customer service representative for over 10 minutes on the phone before even getting him to put me on hold to even try to get to a manger the next time I called. Still unsuccessful of getting this company to send me a card a different way. I will no longer pay on my account until this is resolved. My other 2 bank cards had no issues sending their cards out the correct way. And we do not have a street mailbox where I live, we have post office boxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I noticed a few inquiries on my report I do not recognize

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 2019-11-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
on XXXX amount of XXXX was sent to XXXX but account number when entered was wrong despite given the copy of check again approached the bank on XXXX they again resend the money but again wrong account number they are not ready to listen and harrasing by delaying correction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
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: Information belongs to someone else

Complaint:
I submitted the official notorized and police report documented identify theif affidavit in XXXX of 2019. I have attached the very documents they where submitted. This company still has this account showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: INTERCONTINENTAL CAPITAL GROUP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
trying to refinance with XXXX XXXX XXXX -- XXXX -- after turning in all required paperwork and paying XXXX dollars for an appraisal on XX/XX/XXXX the company quit corresponding and was not returning my emails -- they did email a form to sign that I received my appraisal within 3 days and I did not sign it, nor did I receive my appraisal -- I have emailed XXXX different people and left messages for 2 different people -- just getting the run around -- I 'm not interested in working with this group at this point but I do want my appraisal, or my XXXX dollars back

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: CITIBANK, N.A.
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:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Date of payoff. XX/XX/XXXX BEST BUY/CBNA Date of settlement payoff XX/XX/XXXX Ive challenged this account several times with no response. This account does not belong to me as I have never had XXXX XXXX. I have provided proof of this as well as submitted FTC affidavits, yet it is still reflecting on my report. IT NEEDS TO COME OFF XXXX  and Best Buy were both paid off in a settlement with the agreement that those accounts would remove them from my report. 

These are a list of Inquiries on my report that I have no knowledge of. I have never applied for jewelry financing and I have haven't bought a car since XXXX yet there are a list of Auto Financing inquiries on my report.. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Jewelry/Cameras

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Today II have contacted y'all to have some fees credited, but the agent told me she couldn't credit them fees for my checking and saving account because her system did not allow her to because I was issued a lot of credits for my saving account, and checking account in the past I need these fees to be credited back to me for my checking account XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS XXXX ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX PA ATM ID XXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX  CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} Total need to be credit is {$29.00} Saving account what needs to be credited is XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX ONLINE TRANSFER TO XXXX XXXX EVERYDAY CHECKING XXXX REF # XXXX ON XX/XX/XXXX {$1.00} Total need to be credit is {$10.00} Saving account number is XXXX and checking account number is 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 2018-07-16
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My total student loan debt is around {$55000.00}. Half of that is federal loans, and the other half are private. The federal loans are easy to repay due to their income driven repayment plans. My private loans on the other hand are out of control. I am not even making a dent in them, and I have been graduated/fully employed for 2 years. The issue first started with Sallie Mae when they had me on a {$550.00} a month payment with a 5 year term to repay, which is absolutely ridiculous. I lived at home after I graduated because I could not afford to rent somewhere. Shortly after arguing with them about how I couldn't afford their payment, I refinanced with Navient through a website called XXXX. Only to later find out that Navient is a break-off company of Sallie Mae. While my payments are lower with Navient, they are slowly going up to a payment I will not be able to afford due to me relocating to a new city for work, and now having a new expense of {$900.00} a month for rent. I can't even afford to go get a new car because my disposable income is almost non-existent from all of my student loans I am paying on. I am truly drowning in debt, and have no way to start a life on my own. I blame part of this issue on the school as well. They never informed us the difference between federal and private loans. They basically wanted us to get the money we owed each semester in the quickest way possible and sign on the dotted line. There was ZERO educational information on what we would be getting ourselves into in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 a letter was sent to verify the debt. XXXX XXXX XXXX never sent me any documentation verifying that the debt was mine. I do not recall this debt.

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 2017-08-09
Company: Nelnet, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX we received our first bill from XXXX XXXX for XXXX. ( attached ) We promptly paid the bill. Again, in XX/XX/XXXX we paid our second bill for XXXX. Again, both on time. Then when XX/XX/XXXX statement came we were billed XXXX. My husband called XXXX XXXX to find out what the issue was. We were told there was a loan shortfall caused by us paying XXXX ( the amount we were billed ) and that our loan was re-amoritized. I argued I had a fixed rate loan, had never missed a payment, had never made a late payment, and paid exactly what was billed. Well, after double checking my promissory note ( attached ) and TILA ( attached ) I was to always be billed XXXX. XXXX changed the monthly payment and thus caused a shortfall. When I told them this information they refused to correct the shortfall. Not only did they not correct the mistake they refused to return my calls or emails to provide answers for these issues. Around 90 days later and this issue still exists and they still refuse to answer. Additionally I offered to make up the shortfall myself by offering a check for the missing amount and they just applied it to interest. Thus the shortfall still exists. The extra amount would have gone directly to principal. Additionally, in XX/XX/XXXX we made an extra payment amount on top of the monthly payment. This was made all at the same time. The letter we sent contained directions to only apply extra payments beyond the monthly requirement be applied to principal and not the next months payment. This was ignored. Then XXXX " a higher up '' as she calls herself lied and told me it went to principal when clearly it did not. We requested this be fixed and it has not been done. No one has offered to fix anything either. A certified letter is attached that I mailed. I also made dozens of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have contacted our mortgage loan servicer ( collection agency ) Nationstar Mortgage d/b/a Mr. Cooper by phone on XX/XX/2020. We had spoken with them in XXXX making them aware that all payments to the Chapter XXXX Bankruptcy for me were complete on XX/XX/2020. We were told that as soon as the case was discharged they would get an update in their computer system and the mortgage would be released for full access on the Mr. Cooper website. Currently payments are paid through XXXX at a cost of XXXX per month. We have no way of seeing if our payments are being applied correctly. My wife and I made a final phone call on XX/XX/2020 requesting that they acknowledge my discharge from Chapter XXXX Bankruptcy that occurred on XX/XX/2020. We spoke with XXXX in the bankruptcy department. She said she did not see that the discharge information had come through so she was sending it to research. She said it would take 5-7 days to update the account. The 7 days has passed and the account remains frozen. 
We need government intervention to assist with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had unexpected XXXX XXXX, 2019 and fell behind on payments when I realized that XXXX payments are erratic. I applied for assistance with Midland Mortgage, and after months of back and forth, I was told that I did not make enough. I returned to work in XXXX of 2019, and reached out to XXXX, and was instructed to reapply using my income, which is {$91000.00}, and that I could also include the money that was given to me monthly by my sister. XXXX, which was an additional {$400.00} a month. In was again told by Midland I did not make enough money. I was told I could appeal and use my pension which I did to day.

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 2019-05-05
Company: ERI Financial Services
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past 3 years RI Financial ( XXXX ) has called my number looking for XXXX XXXX. 
I have told them 4 or 5 times that we do not know a XXXX XXXX, never have,, and that this number is wrong number for him. Twice the representative has said he would make a note that this is wrong number. The calls continue several times every day.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-09
Company: United Student Aid (USA) Funds
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Unannounced to myself, XXXX sold off about 15-16,000 $ of my ( at the time XX/XX/XXXX ) defaulted student loans to a company called USA FUNDS, INC . Even though I came back and got into good standing with XXXX, they did not help consolidate or even inform me that they did not hold the full promissary note. Since XX/XX/XXXX-XX/XX/XXXX, when I got in goods standing with what I thought was the full amount of my loans and began repaying them, they did not contact me or give me information that there was a second owner on a separate set of loans ( Even though it is accessible in their systems I came to find out, via an on the phone representative ). In that time they managed to predator-ally farm my interest up to over 23,000 $ in total with the loans. That 's roughly about what I make in a year as a XX/XX/XXXX. Now, they suggest I go through a government consolidation program, and use XXXX as a provider, and I will end up paying all of that interest for the sale that they hid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/21 I sent via mail to all 3 of the credit bureaus requesting ( 7 ) inaccurate information be deleted from my credit report. 

Please note supporting evidence has been produced under the doctrine of estoppel by silence Engel v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debts nor therefor any such debts in fact exists.

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 2017-08-09
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX of 2016 I contacted Sallie Mae Loans in order to follow through with a repayment option. I was only told and directed to forbearance option. No other options were " available '' While the forbearance is intact I was away on military XXXX limiting my interest rate to 6 %. But I returned and thus rejoined going to College at XXXX XXXX University. I contacted the loan provider that XX/XX/XXXX/XX/XX/XXXX time to let them know I would be attending school and would like to know who actually owned my student loan debt as I know they sell them off to other companies. But they did not provide that information and still have not provided that information to me. Also i was interested in getting the in school deferment plan but I was told no such program existed since they were a private loan institution. Now that I know that is false. Had this information been released to be I would have applied for this way earlier and saved money for myself in the long run. I know that Sallie Mae had problems with this earlier as they had legality issues pertaining this recently. This was unfair to me as a citizen, military member and loan holder as I should have been told about my options from the start and they should be easily and readily accessible to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation