BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
State: CA
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:
On XXXX XXXX 2017 I received an offer from Citibank for an AAdvantage Platinum Select World MasterCard which included XXXX bonus AA miles for spending  {$4000.00} in the first 4 months. When I applied, I was given a different offer which required spending {$3000.00} in the first 3 months. When I called about this, the CSR told me I was eligible for the bonus miles on the card which was approved. Now I have met the spending requirements, and Citibank is refusing to make good on their offer.

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 2018-01-03
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Due to an error in my bank account, a scheduled mortgage payment could n't be processed and was returned to the mortgage company, Flagstar Bank. Unfortunately the payment was scheduled while I had some funds coming in and some going out. This was the first time this happened. I have since received a letter from the bank informing me that I can no longer make online payments, and now funds need to be received in certified funds. The problem is, my mortgage payment is so high that when I go to either purchase a money order or send money via XXXX XXXX it is flagged as suspicious activity or exceeds the amount I 'm allowed to send. It seems incredibly unfair that, not only do I get slammed with a Non Sufficient Funds fee, but then the easiest way to pay the mortgage is taken away. I spoke with Flagstar Bank and they refuse to restore online payment, despite my explanation of how this is complicating sending my payment in.

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 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited approximately {$10000.00} into a Bank of America ATM. The check was issued by XXXX XXXX XXXX and it was the third of its kind deposited to the same account over the last 90 days. 
We processed some bills and on Monday XX/XX/XXXX an ATM transaction was declined. I checked the account and found that Bank of America had reversed the deposit without calling or emailing me. They debited my account for {$10000.00} and causing it to go negative and bounced a number of payments. 
I called and was told that the check was reversed because it was not endorsed. Meaning it was my fault. I insisted that the check was signed and the next customer service agent was able to confirm this by looking at the scanned check image. 
They are not crediting the account and I was told I have to wait between 2 and 12 days for a decision. 
I have NO CASH as a result and more bills are going to bounce. I can not take out cash for gas or food. 
I did everything right and Bank of Americas error is causing a tremendous amount of difficulty and stress and anxiety. We have no recourse and they will not release any of my funds to help cover my family.

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 2019-07-30
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute for an erroneous charge from XXXX for {$320.00} on XX/XX/2019. After following up with Citi, the deadline for contesting XXXX 's response to my dispute. I called on XX/XX/XXXX and a Citi representative indicated that I could have an extension on the deadline of XX/XX/XXXX for supplying supporting documentation. I called on XX/XX/XXXX to follow up, and was told that my documentation had been received too late and that no extension could have been granted since the federal government regulates the dispute process. 

For this reason, I contacted XXXX directly and was issued a refund. The refund was issued to and received by Citi on XX/XX/XXXX. I was informed by Citi that the refund would be processed in 7-10 business days. After this time passed, I followed up and was told something was wrong and the refund would be processed in 7-10 business days. On XX/XX/XXXX, I called Citi again and was told that the refund would be posted in 2-3 business days. On XX/XX/XXXX, I called to follow up and was told that an exception had been approved on XX/XX/XXXX, but that my refund would not be posted for 7-10 business days. I do not believe that my refund will post ever after being continually delayed by Citi Bank.

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 monetary relief
Consumer complaint received 2022-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have Paypal here to service my XXXX XXXX.    XXXX
I have used you about 7 years and all of sudden had 4 chargebacks in one month.  The first $XXXX  I didnt even recognioze the customer but they said maybe someone paid with a stolen card or their grandmothers card.  I called you 2 days and each time wait hours on phone.  I asked would they ask the dispute if they had card stolen and they said they would but they didnt.  They were not going to help so I just paid the $XXXX and they waved the $XXXX  chargeback fee.

I then got 2 chatgbacks from the same customer  XXXX XXXX on different days and I called him and he said he didnt dispute anything so he came and paid me but I had to pay 2 chargback fees.;  Please read the following email from XXXX.  He nor his credit card issujer have no idea why the money he paid was sent back   So Paypal is Gyping me out of fees.  The customer sedrvise is antagonistic n and I have probably lost 2 customers.;     this is XXXX email

Re: Case update: Case XXXX XXXX	   
Tue, XX/XX/XXXX XXXX XXXX XXXX XXXX (XXXX)
To:you Details
XXXX, I called my XXXX XXXX customer service and asked them for any disputed charges from PayPal. They said that there were 2, $XXXX charges in XX/XX/XXXX from Paypal, XX/XX/XXXX and XX/XX/XXXX. But for some reason Paypal credited the payments back to the account on XX/XX/XXXX, but they didn't have a reason why. So, the charges did initially go through, according to my XXXX XXXX customer service. They wanted me to call Paypal and find out why the payments were credited back to the account. I did try calling Paypal, but they were not too cooperative since it was not my account. Please let me know what you find out.

XXXX XXXX 
XXXX 


-----Original Message-----
From: XXXX 
To: XXXX 
Sent: Sat, XX/XX/XXXX XXXX XXXX
Subject: Re: Case update: Case XXXX XXXX

Or I thinnk you can call Paypal resolution center and give them the case numbers and they will tell you what to do.   I can not close the case from my end becausae as far as they are concerned it was opened from your end  so they resolved the case by taking out the funds (and thats ok because you paid me but they also have $XXXX charge back fee for each which I paid......... here are the 2 cases again
Case ID: XXXX
Case ID: XXXX


XXXX XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27
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 is missing that should be on the report

Complaint:
on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 2022-02-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen and credit cards were taken out in my name from navy Federal and wells fargo. A XXXX account was opened in my name and someone tried to open a new checking account through my existing XXXX  XXXX XXXX account. The navy Federal card was used. This has effected my credit score. Multiple hard inquiries were done on my credit.

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 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Recently, I was denied an extension of credit by Capital One Auto Finance On XX/XX/2022, I applied for pre-qualified Capital One Auto Financing. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). Capital One Auto Finance assumes civil liability pursuant to 15 U.S. Code 1691e. Capital One Auto Finance has violated my federally protected consumer rights : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 Since the letter Capital One Auto Finance sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, Capital One Auto Finance is also criminally liable. Capital One Auto Finance should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I calledKIA motors finance on XXXX XXXXor a payoff amount on my XXXX KIA. I was given an amount that would have had me paying over {$400.00} more then originally owed. When I asked to have it explained to me all they would say is I had to pay the payoff amount they showed and I would get a refund after overpaying. Loan details were for 36 months at {$330.00} per month for a total payment of {$12000.00}. Which the representative acknowledged would have the total loan repaid. However, after I made 34 on time payments of {$350.00} each thinking I would cut approximately one payment at the end. I overpaid {$400.00} in total which I come to find out they do n't take that amount from the principal but for some reason a portion is applied to some form of unearned interest. I 'm unable to get my brain around this as the representative along with her supervisor XXXX, which I requested, he also would only say I had to overpay and trust them to return any excess. This defies logic, why would I pay more then owed. Is this legal? I have no idea if I have any recourse but to do as they say and overpay and just trust them? Who writes the laws that allow a company to do this type of accounting?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: MO
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:
EXPERIAN LIED ON REPORT # XXXX, I HAVE REPEATEDLY ASKED EXPERIAN AND XXXX XXXX XXXX TO VALIDATE THE DEBT, PER THE XXXX BOTH ARE IN VIOLATION .... IT TIME EXPERIAN COME BACK AND SAY THAT THE DEBT IS VALID, I HAVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THAT WAS PROVIDED TO THEM AND THEY HAVE NOT, IN THE PREVIOUS COMPLAINT THEY SAID THEY HAVE PROVIDED IT TO ME, WHICH THEY HAVE NOT, WHY ARE THEY ALLOWED TO GET AWAY WITH LYING? I WOULD LIKE FOR EXPERIAN TO PROVIDE ME WITH THE VALIDATION, XXXX XXXX IS COMMITTING FRAUD AND EXPERIAN SEEMS TO BE WORKING WITH THEM, I DO NOT OWE XXXX XXXXXXXX, IN BOTH RESPONSES THEY SEND BACK A WHOLE LIST OF GARBAGE,, I WILL MOVE FORWARD WITH MY COMPLAINT

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 2019-10-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On several occasions I've tried to have Navient reduce my monthly payments. For months I begged and tried to explain my situation to Navient. I eventually fall behind. The only thing they offer me is the a temporary rate reduction plan. Where for 12 months my interest is lowered to about {$75.00} a month. I've completed the program twice now and each time the amount of my loan increases. The loan was originally for {$5000.00}. I owe about {$10000.00} now. My cosigner is unable to help due to her own illness and unable to work and they still refuse to do anything but keep putting me back in the rate reduction program. I would like to get my payments down to about $ 95- {$100.00} where I can actually afford them. I am currently behind {$240.00}, I believe I'm 2 months behind. I'm currently back in school for my XXXX XXXX and they refuse to do an in-school deferment either. They also call me at least 4 times a day and they also use this company XXXX XXXX to disguise their number just to get through to me, even though I've already talked to Navient for the day and told them I was at work and couldn't talk. They keep offering me the rate reduction program but all it does is increase the amount of money I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: AES/PHEAA
State: MD
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:
These loans we're taking out in XXXX, on my credit report it states I opened the accounts in XXXX, there also reporting inaccurate balances, I spoke with Representatives from AES and PHEAA, XXXX ID # XXXX From ASE and XXXX from PHEAA, both informed me that nothing has been reported since XXXX but according to my XXXX  credit report there still reporting late payments along with other inaccurate information, which is a direct violation of the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is practicing UNFAIR LENDING practices AGAIN and not cooperating with information. Ocwen/PHH Mortgage company FORCED us into bankruptcy yrs ago because they REFUSED to accept any late payment. They have continually gone up on house pmt, escrow, Despite us getting our taxes ( appraisal ) lowered. NOW, they are REFUSING to talk with us about our mortage and the discrepancies in the NEW HIGHER pmt, unapplied pmts, and monies is Hold acct. They told us they can't even SPEAK with us without attorney permission Suddenly. This bankruptcy is several years old. They will not say Why the change, if it is Law, etc. Mortgage company will not give us any telephone number, email or contact information. We called the attorney and they were outraged also. 

Loan is under XXXX XXXX XXXX XXXX Account : XXXX My payment was XXXX It is now XXXX and they are saying it just went up AGAIN, even though we are at the top of arm, taxes were lowered and insurance stayed the same. OCWEN/PHH IS A THIEF, everyone knows it. All the lawsuits prove it. And them flat refusing to have a conversation Now even though we are paying on the account and even though it has been in bankruptcy for years is just another stalling tactic. INVESTIGATE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
There are things on my credit that I have already taken care of, and they have taken some things off of one reporting agency, but not the other ones.

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 2017-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I had to pay in order to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. It took me three times and over 3 hours to freeze my credit, and for XXXX and Equifax I had to try multiple times for it to work. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.

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 2017-07-26
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: STATE FARM BANK, FSB
State: LA
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 have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am so happy that XXXX XXXX finally reported about you, CFPB, failure to look into Wells Fargo HARP refinancing program. 
I contacted you..complaint # XXXX regarding XXXX failure to adhere to the guidelines and in return you did nothing but send me back to XXXX!!! 
The problem is still there and XXXX is still trying to con me. 
You failed me and many other XXXX mortgage holders and I am so angry!

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 2017-07-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.

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