BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: CO
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:
On or about XXXX XX/XX/2020 I purchased two hard drives from an on-line merchant through XXXX. When the two items arrived - they were significantly different from what was described. Specifically, the two 14TB hard drives actually were ( 1 ) a 10TB hard drive and ( 2 ) a broken/non-working hard drive. I tried to work with the merchant and he refused to accept a return. I notified Citi Bank and filed a dispute. Citi was horrible in their lack of communication and numerous times I had to reach out to them to check on the status. I received a notice that additional information was needed. I called Citi and asked what that was. I was told there was a letter in my account. I asked where. It was never posted to my account. I sent them screen shots showing that I did not get any requests for additional information and today, when I logged into my account, there was a notice that my inquiry was denied. On XXXX XX/XX/2020, I called the dispute department and requested my right to invoke arbitration against Citi as it is criminal to be victimized by a merchant and then to be cheated by a major corporation who does not even follow their own policies. XXXX said that I never returned the items - yet as I told XXXX, both in my letter and my calls I have said that the merchant refused to accept a return. I have even asked Citi, in writing, if they wanted the items so they could look at them. After over 2 months, Citi Bank violated their own policies and account terms and conditions by ( 1 ) failing to keep me up to date as to the status of my dispute, ( 2 ) stating that they needed additional information but never asking me for any information and ( 3 ) based on what XXXX said, it appears they never even read the materials or reviewed the screenshots that I sent them. I sent in the e-mail on XXXX XXXX and yet was told " we received the letter on the XXXX. '' I will attach that letter as part of this dispute. The law requires that a credit card company help their account holder ensure that a warranty of merchantability exists and that the company will conduct a fair and neutral investigation of the complaint. Citi had failed to provide even the basic duties of what a bank headquartered in the United States should provide.

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 2018-07-03
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX for XXXX. I made a down payment of XXXX on XX/XX/XXXX. The total cost included a {$790.00} Gap insurance policy through Ally. On XX/XX/XXXX, I mailed {$4500.00} ( money orders ) off to Ally so I wouldn't have to worry about it while I was finishing my certification. Unfortunately the car was totalled the same night. I called ally and let them know that the vehicle was totalled and not to apply the money I sent, she informed me that it hadn't been received yet. The money was received on XX/XX/XXXX, I called again to make sure everything was str8 but saw that they had applied the money and put it as paid up until XX/XX/XXXX! I called and the woman said that they would get it str8 once vehicles was totalled out. XX/XX/XXXX I went to XXXX and purchased another vehicle, the payments were about 100 higher but I didn't worry as much since Ally still had {$4500.00} of my money. XXXX totalled truck out and paid Ally {$23000.00} which they received on XX/XX/XXXX. We talked back n forth with me wanting payments applied to my truck. However in XXXX they were trying to repossess. I have paid a total of {$14000.00} to Ally ( not including the {$4500.00} or XXXX down payment ). I am behind now and they are talking about repossessing, however I am actually ahead. I was taking care of the situation last year but I was told that they were working on my account so I let it be. I have my money order receipts, account copy ( before it was deleted ), confirmation of sale with Gap Policy through ally, confirmation of mail received, and payment history.

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 2018-08-31
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Keep getting calls from the company XXXX XXXX XXXX ( XXXX ). Spoke to them at least twice, the last time being yesterday on XX/XX/2018. Told them that the person they are trying to collect a debt from is not at my location or number. They informed me that they would remove my home telephone number ( XXXX ) XXXX from their calling list. As of this date, they have failed to do so and are repeatedly calling my home at least 3-5 times per week. I would appreciate anything that you can do to stop these harassing phone calls.

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 2021-06-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently was in the hospital and missed a payment to XXXX. When the next bill arrived I saw I had been charged a {$40.00} late fee. I realized I had missed the payment and because the fee was so high, I paid the entire amount owed on the credit card.. The current months bill arrived and it said I owed {$48.00}. I was shocked because I had paid the card off the month before so I called Comenity Bank which handles XXXX store charge. They charged me another {$40.00} late fee, and a {$2.00} service fee because they said I had not paid {$13.00} from the month before. I had paid the entire amount the month before because I did not want to do business with them any longer after receiving a {$40.00} late fee. I have paid the entire bill again and have requested that the account be closed. I was curious to see if this had happened to anyone else and to my surprise, found there are numerous complaints against Comenity for holding payments until after the due date. Is there any way this can be investigated? I am tired of being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
I received a letter from Equifax informing me that they received information from XXXX XXXX XXXX XXXX that there is a Bankruptcy under case ID XXXX in my name. I check with the Bankruptcy Courts in XXXX Florida and was informed that there is no Bankruptcy being reported under my social security number. 

I'm requesting that XXXX XXXX XXXX XXXX and Equifax remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: MN
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:
The following public record and credit inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a statement from Toyota Financial Services on XX/XX/XXXX showing that I only owed {$1.00} due XX/XX/XXXX. I called the company to see if this was correct. The lady I spoke with said yes the {$1.00} was an unpaid late fee which I am removing so you now have a {$0.00} balance. I also have the Toyota Financial Services APP on my phone and checked it again at the beginning of XXXX and it showed I had a {$0.00} balance. XXXX the XXXX I went in to make the XXXX payment due on XX/XX/XXXX still only showed I owed one payment. I went back in the app on XX/XX/XXXX to schedule the XXXX payment for the XXXX and noticed that I owed 2 payments. I called Toyota Financial Services right then to see what the problem was. The lady was very rude and absolutely no help. She said at the time I was now 9 days past due on the XXXX payment and I must pay it with the late fee. I explained to the lady what happened an again very rude. I called back a few days later during the day and got another lady that was absolutely no help. She proceeds to tell me the same thing the payment is due and there is nothing they can do for me. I advised that I always make my payments on time and would never wait 26 days before making a payment and there is no way I can come up with the 2 payments this month because I was definitely not prepared for that. Asked if they could defer the payment since it was there fault and she says no they cant do that. She said when I called in back in XXXX they noticed that something must not be right and looked into it then found the error in XXXX so the payment is due. I advised the lady that I understand that it's due, but it was there mistake so could they please defer it. She would not. I hung up with her and called back in today XX/XX/XXXX. I got another lady who is no help. She said it states in your contract that you have to make a payment each month. So its not our fault and you owe the payment, we can't do anything for you. She proceeds to ask when I will be making the next payment for my XXXX payment ( which should be for my XXXX payment ). I told her I will be making the XXXX payment on XX/XX/XXXX and then will be refinancing with another company. This is literally the worse place to do business with. I will never finance anything with this company again and something needs to be done with the way they do things and how they talk to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX I purchased a loveseat and couch from XXXX XXXX. I applied for their XXXX XXXX/Synchrony XXXX XXXX card and was approved. Purchased the couch and loveseat for {$1500.00} with an equal payment no interest deal. On my XXXX statement XXXX for this card, I noticed a fraudulent charge dated XX/XX/XXXX for {$1700.00}! I did not make this purchase and called the fraud line XX/XX/XXXX reporting this charge as fraudulent. This was investigated and they sent me a letter XX/XX/XXXX saying that I was not liable for the fraudulent charges and they would let the 3 credit bureaus know this. The charge was removed and I payed for my furniture in full. My balance was XXXX. Then I received a bill from XXXX XXXX/Synchrony XXXX XXXX XX/XX/XXXX with a charge of {$1700.00} dated XX/XX/XXXX! AGAIN! So I called the fraud line and reported it again as fraud on XXXX investigated and once again found me not liable for the fraudulent charge. I received the same letter again saying that and that they would let the 3 credit bureaus know. XX/XX/XXXX I called them and CANCELLED the card so that this would not happen again.I had not heard from XXXX XXXX until today. I got a bill for the XXXX XXXX/Synchrony Home Account. There is a charge for {$1700.00} dated XX/XX/XXXX " Balance Adjustment ''. I called to report this fraudulent charge once more. I waited on their terrible customer service fraud line and was passed from one female agent to another. The second one said the boss was already at home, but she would make a note of my complaint about this. This is OUTRAGEOUS! How many times will they investigate this fraudulent charge and find me innocent only to re-charge me again. I am really disgusted with this. How do you charge a CLOSED account. I have the confirmation number XXXX for XX/XX/XXXX, when I phoned them at XXXX XXXX  and CANCELLED. I am so tired of dealing with this. You sit on hold forever and it NEVER gets resolved. Please help me with 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 monetary relief
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
New Mexico XXXX  retroactive benefit balance backdate backpay, last month said wait two weeks and here we are can not get through to no one but I am still receive n weekly claims but have not received backdate payment from XX/XX/2020 2020

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 2020-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As seniors who have put our trust in Wells Fargo Bank it was shocking and devastating to receive notification by mail on Tuesday XX/XX/2020 that our mortgage ( without our permission of notification ) had been put on forbearance in XXXXThe one payment that was paid for that month was removed and put in some other Wells Fargo account that we had no knowledge of until XX/XX/XXXX. 
On the first page of the XX/XX/XXXX notice sent to us it stated that we need not be concerned at all and that Wells Fargo would contact us near the end of forbearance ( no date was indicated ) to discuss options. We assumed to return to our pre-forbearance autopay status. The second page we found cold, confusing and threatening, saying that our house could go into foreclosure and the Wells Fargo could come and look at the property at any time. 
After contacting Wells Fargo and speaking with numerous Wells Fargo employees we are in a state of shock as no one is clear as to what we should do. We have been told a number of different scenarios by Wells Fargo personnel including that if we decide to immediately stop forbearance and return to pre-forbearance status our credit score could be affected as it would be reported that we missed a number of mortgage payments. Or to have our payments reinstated we would need to reapply for our mortgage. 
For our whole lives we have been responsible and have an immaculate credit history. Being retired and on a fixed income we are very careful with our finances. We are shocked and at a loss on how to deal with this. We feel betrayed by a bank we have always banked with.

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 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
While you may not be successful in convincing a debt collection agency to comply with a pay for delete request, it cant hurt to try. However, its important to wait for written confirmation that a collection agency has accepted your offer before you proceed with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX XXXX XXXX XXXX failed to review my previous claims directly. I demand that someone else review my file. This is my final warning. If my claims are closed again I will take it as a firm message from your company you do not see any errors on your part and have no problem if i seek litigation on any errors discovered moving forward. As stated in my last complaint : ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This correspondence is an addendum to the previous complaint that I filed against Wells Fargo Home Mortgage. I received an inaccurate response from Wells Fargo in reference to the payoff quote request that was sent via email to their attorney AKA XXXX XXXX XXXX, # XXXX from XXXX XXXX. Attorney XXXX XXXX XXXX has fabricated his response once again, denying that he received the correspondence, which exhibits his lack of integrity, and is indicative of him being extremely corrupt. I have attached the form below that was directly sent to XXXX XXXX XXXX, explicitly requesting a payoff quote from Wells Fargo in order for XXXX XXXX to completely assume the mortgage loan.

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: Oracle Financial Group LLC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
apparently it was turned over to oracle financial group who called my husband XXXX told him they could take our car if we didn't pay over XXXX dollars to them. he paid XXXX and they said it was not enough they would call at later date for more

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 2021-06-29
Company: Nelnet, Inc.
State: CO
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:
Called into Nelnet after a primary wage earner layoff in XXXX to discuss Covid forbearance options? Was told all loans were in forbearance and to not worry. Now a year later we called to check in. And were told our loans were not in forbearance and Nelnet has accrued {$2000.00} in interest on the account. No paper records were sent out to notify us that we did not qualify for forbearance because our payment schedule was advanced because we had been paying ahead. No paper documents were sent out to notify us of this nor notifying us that we had to apply for forbearance because our loans were prior to XXXX. Nelnet stated they called but left no messages, no paper documents were sent. We are very disgusted with this business practice. Looking for other individuals who also had this happen to them. Looking to band together For class action lawsuit. Email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an old account from NC state employees credit union. I lost my job and fell behind on payments. I am still unemployed due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

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 2020-08-28
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report.It has been over 30 days and i have not received any investigation results.

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