BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-16
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When checking my payments to Navient, I noticed they missed a payment of {$84.00} form XX/XX/2019. When I alerted them to this, they sent a form notice asking for a copy of front and back of the check. I alerted them the first week of XX/XX/2019. 

When I sent them a copy of my bank statement clearly showing the payment to them and clearly showing that it was an electronic transfer, they sent a form message asking for the front and back of the check. 

Clearly they are dragging this out hoping I will go away rather than fixing the problem and crediting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been receiving Emails, phone calls and letters from the Know Your Customer team at Citibank since XX/XX/2017. They claim that they are investigating me and my small business checking account for possible money laundering and the letters threaten to close or block my account if I do not comply.

I have responded in numerous ways in attempts to provide them with the information they requested. First they asked for information on the charitable contributions from this account, and then other information. No matter what I have done to comply with their requests, the matter is not resolved. Moreover, in addition to the constant barrage of threatening letters, Emails and phone calls, they have in fact closed, opened and closed again my account numerous times. Despite talking to them on the phone on dozens of occasions and being in contact with my personal banker at the local branch on XXXX XXXX in XXXX, I continue to get emails, phone calls and letters telling me that the issue is not resolved. Today Wed XX/XX/XXXX I had my son call again. He spoke with and I have spoken with both XXXX, XXXX of the XXXX team and XXXX of the XXXX team. The second XXXX   promised to send me an Email confirming that the issue was resolved and that we didn't need to send more forms, the latest one being a Beneficial Ownership Declaration, and then put me on hold for 10 minutes. She then got back on the line and told me she had to investigate the matter further and would NOT send the Email as she had promised. She then hung up when I requested to speak to a supervisor.

I am an XXXX  year old woman and I use this account for a small business I have. I have had this account for twenty years and up until now have never had a problem. Over the last few months of this travesty the account has been opened and closed several times and yet is still not resolved. The literally dozens of Emails, phone calls and letters have left me hysterical and distraught. I am requesting that you investigate this matter and have Citibank resolve it so that I do not receive any more calls, letters or Emails from them. This constitutes harassment and abuse. Given that they have closed my account ( and reopened it ) numerous times over the last three months and I continue to receive daily calls and Emails, this matter is rather urgent for me as I am extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a credit card with XXXX and was unable to pay it due to lack of work. Was going to try and work something out but they quickly sent it to debt collectors. Took me to court without me even knowing about it. From there they somehow got a lien put in my name or a judgement that is keeping me from getting any type of loan and has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Navient Solutions, LLC.
State: MS
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 well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express Charge Interest {$160.00} on a balance of {$10000.00} shown on statement can't prove how the total balance of {$10000.00} come from. 
According to the current billing statement due at XXXX XXXX, 2021 & XXXX XXXX, 2021, there is no over due balance of {$10000.00} subject to APR 18.24 % for the interest charge of {$160.00}. 
As a card holder of me has been contacted to Customer Service at XXXX XXXX. XXXX, and still can't get any info. from American Express about the balance of {$10000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts on my credit report that does not belong to me. I have reached out to each credit bureau several times via certified mail and have not received the proper responses timely and the accounts are still effecting my credit in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a debt with XXXX XXXX XXXX XXXX that is current. I have been paying since an ER visit in XX/XX/2017. I have made two payments a month and the hospital has accepted the payments and credited my account.

I have never heard of XXXX : Contact XXXX   Telephone : ( XXXX ) XXXX Without any communication they reported me to the credit bureaus for a debt in collection.

I have proof that I've paid 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 2021-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I set up automatic payments and Wells Fargo continued to remove the automatic payments without my consent. This caused payments to become late until Wells Fargo decided to close account. They accepted payment for the balance despite letting me know that the account was closed. The amount was then returned back to me and sent to collections. I received a customer remediation check recently and feel that this is due to accounts being open/closed on my behalf without my consent.

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 2018-03-28
Company: Fairway Independent Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called Fairway Independent Mortgage Company to inform them that we were filing bankruptcy and that we were going to do a reaffirmation of mortgage with them. We never missed a payment with them and were current with our mortgage payments. On XX/XX/XXXX, the reaffirmation was docketed with the courts. We paid the lawyer, paid the courts and then got a bill from Fairway aka XXXX  for our XX/XX/XXXX. bill that we owed {$120.00} for their legal fees. I inquired about this several times, but not one person would speak to me about this. They referred me to their attorneys who also would not speak to me. Paid the {$120.00} on XX/XX/XXXX -- then saw another {$120.00} added to our billing statement for XX/XX/XXXX. I called and they said we owed {$140.00} now, They could not account for the extra {$15.00} or now another {$120.00}. We were NEVER billed for anything but the original {$120.00}. I spoke to a supervisor today who informed me that we were billed for more legal fees in XX/XX/XXXX. I asked her if this was going to happen every month and she did not know. I asked her why we got no billing statement about the extra {$140.00} and she did not know. I filed a dispute with their company, but I am sure nothing will happen with that. I feel completely discriminated against by Fairway because we filed bk and because we got the reaffirmation agreement. I want to know why we are being gouged for more money when we paid the {$120.00} that we were billed for. How can they continually add on more fees without telling us what they are for?

copy of email from Fairway : Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next days. Thank you for allowing us to be of service to you.

Subject First of all, our bankruptcy has been discharged and we have a reaffirmation ...

Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) RE : Loan Number : Dear Borrower, Thank you for your recent inquiry regarding your loan. We apologize that we have been unable to respond to your message within our standard processing time. We regret any inconvenience this delay may have caused.

Please be advised the payment in the amount of {$120.00} was processed on XX/XX/XXXX.

If you have a question and would like to speak with a representative, you can initiate a Chat session by Live Chat, send a secure message by selecting Ask a Question.

Thank you for providing us with the opportunity to assist you.

Sincerely, XXXX XXXX E-mail Support Representative

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: LTD Financial Services, L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted my first complaint against LTD financial services on XX/XX/25 in hopes to come to an agreement on this debt. I requested an accurate summary of charges and was only sent a move out statement. I was not satisfied with the response so I contacted the original creditor on this matter and was told that LTD would have an itemized list of charges for what the damages and cleaning fees were for. LTD financial services refuses to give us this list and I believe the chargers are incorrect. I would be happy to pay my debt if anyone was willing to give me the itemized list of charges for the " Damage fees '' and the " Cleaning fees. '' I do not think it should be too much to ask to see what I am paying for. This is what I have been asking for for nearly 2 years now, XXXX XXXX XXXX have been very helpful in helping me find the information that was available to her and for that I am appreciative, however I seem to be hitting a brick wall with LTD Financial Services. When I ask for an itemized list for the next ( third ) time, I expect to receive just that. Not a move out statement ... Again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Company I want to know if the following actions taken by this mortgage company are legal : 1. As of XXXX 2017, the company charges {$5.00} to process my payment online. The payment is not late. 2. When XXXX XXXX XXXX sold my loan to Carrington, the company raised the amount that I need in escrow two years in a row. The excess funds are returned to me at the end of the year, which indicates that I am being charged too much. 3. I was told that the only way I can get a new mortgage company is to refinance. I am within the last 10 years of my loan, so I do not want to refinance to a 15-year note. This is a terrible company that is not responsive to its customers. Just look at all of the complaints online. Can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I'M WRITING IN REGARDS TO REOPENING MY CAPITAL ONE SECURED CREDIT CARD. I WOULD LIKE TO OPEN MY ACCOUNT.. IM NOT ASKING FOR AN INCREASE BUT IM ASKING TO HELP BUILD MY CREDIT.. THIS CARD HELPED OUT AND IM NT HAPPY ABOUT BEING CLOSED WITHOUT MY CONSENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union ( NFCU ) has had my accounts frozen for three weeks now. I have a balance of {$2400.00} in my checking account and a credit balance of {$1500.00} on my credit card that NFCU will not let me access. In addition, I requested to speak with a supervisor in the NFCUs security department twice ; however, I was told that a supervisor would call me back. It has been over one week since I first requested to speak with a supervisor. I desperately need access to the money in my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan is with Santander Consumer. I bought the car at the dealership and the bank opened 2 accounts for the same car. I referred to an oficial of the bank and they said that the dealership created the problem but they will fix it. Santander oficial instructed me to stop payments until one of the account was closed, I follow their advice as told, I paid around 3 payments in just one time and my credit report took a dive from XXXX to low 600. I have called them many times and now they said that they do not have a record of all that happened. I have had credit card denials because my score shows a charge off which is incorrect. Santander Consumer has not give me an answer or return my calls in the last 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/XXXX i open account a choice priviledges card with barclaycard, i never had any problems and always pay my bill by auto pay. i previously reported this problem and barclaycard responded XX/XX/XXXX. The letter they sent proof they really are crooks and do not know what they are doing to customers.

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added walid eyada to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies.

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account onXX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$50.00} XX/XX/XXXX XXXX XXXX   {$1200.00} XX/XX/XXXX store {$150.00}XX/XX/XXXXXXXX XXXX {$480.00} XX/XX/XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00}XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX {$3000.00} just to list a few of these fraudulent charges

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 2021-02-03
Company: Automatic Data Processing, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was issued this card when I was working for the XXXX XXXX XXXX. 
The company that issued it was ADP. 
When I quit I figured I'd just keep the card and use it to as a prepaid card. 

When I was using it, I hardly ever loaded cash onto it. 

Not until Unemployment was available differently I start to receive deposits. 
Then the whole website changed. 
I remember it was spelled XXXX. Then it changed to XXXX. 

I tried closing this account and was told by the CSR that I spoke to that I COULD NOT CLOSE THE ACCOUNT. 
I was also told that there were 3 other card numbers listed on my account. 

I asked for statements first all 3 card accounts and was told that was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/ RMS send me a letter after I disputed the claims of the bill with XXXX XXXX after speaking to my insurance who assured most of the bills were not mine - they did not properly file claims with them or do proper adjustments - XX/XX/XXXX- claims were not paid because insurance requested corrected claims never got sent to them & over charged were charged for services not received They just sent statement of their records and not accurate or in compliance with insurance per my insurance - I have contacted insurance commissioners. I have called months with no return call from - XXXX XXXX - Account Disputes Manager - I have left several messages as well as my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was not verified. Ive tried reaching out to this company and tried asking them to validate the debt. They could not. I only received a bill. Nothing that Ive signed, a contract, dates, just a bill but no actual validation. The original owner of this debt is XXXX Ive contacted XXXX  via phone and they were not able to locate my account or give me a balance that was owed. I went in store as well but again, they were not able to validate this debt. How is it that the debt collector can claim I owe XXXX dollars with no validation, but the original company can not locate my files? There is no signature, no breakdown of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
XXXX XXXX Closed my Account and would not give me a reason why I spoke to XXXX  and XXXX XXXX is a manager at the call Center I made nothing but on time payments Never late and both the manager and customer service rep were rude. I Asked About the payments Because the Automated system said my account was paid off when it wasn't And they reported to the beaurues that I closed the account which I did not they did and are not willing to reinstate the account I am building credit have nothing in collections and used the card responsibly and made all payments on time.

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 2020-07-03
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have made repeated attempts to contact this creditor to discuss repayment and credit reporting. They do not respond to phone calls or voicemails, simply directing debtors to pay online via their website. Given this collection agency 's reputation, I am not willing to simply give them money without knowing when they will remove this from my report. I attempted to dispute this via XXXX  without success. 

RENTON COLLECTION # XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$950.00} Date Updated : XX/XX/XXXX Original Amount : {$950.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX - Unable to reach, sent to voicemail XX/XX/XXXX - Attempted to call again, no answer XX/XX/XXXX - Attempted to call again, no answer, left voicemail

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation