BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: Monterey Financial Services LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had initially applied for a student loan to help with furthering my education. Life got in the way and I was unable to keep up with my obligations. 
In XXXX of this year I was finally in a position to resolve the debt so I contacted Monterey Finanical Services and spoke with XXXX XXXX. After a lengthy discussion with the account representative I was told that if the debt was paid they would then have the negative information removed from my credit file. I requested removal agreement in writing and I did receive an email from XXXX XXXX which I have included. The debt was paid yet the information is still reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Navient Solutions, LLC.
State: MI
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:
I began classes in XXXX of 2008 at XXXX years old. As an employee of one of the largest telecommunications companies in the country with XXXX XXXX. A college degree, an opportunity for advancement to better my skills to help support my family. I am currently XXXX and work for the second largest XXXX  company in the country XXXX XXXX XXXX. As a father of XXXX with my oldest being my XXXX year old son who is attending college courses himself. Have never been offered anything other than forbearance on my student loans managed by Navient formerly Sallie Mae. Under some of the original stipulations for loan forgiveness working on the maritime project and install and service high speed Internet. All of the information I received was faults I currently owe over {$44000.00} having never received a degree or been inside of the classroom as every course I took was online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband (at the time) was away XXXX for a year, in XX/XX/XXXX-XX/XX/XXXX, decided to leave his family when he returned then filed bankruptcy in XX/XX/XXXX and the mortgage was my responsibility. I attempted for a year to get a loan modification with Greentree Mortgage, I was told to fax my information at least XXXX times, which I did,  they were behind in the servicing department. I called in XX/XX/XXXX to try to put the debt of my 1 year of mortgage payments onto the end of my loan and start paying each month in XX/XX/XXXX, to which I was told I would need to pay the balance of over $10K, obviously which I did not have. I spoke to a representative in VA Loans Department and was told she would get this resolved for me, i never heard from her again, I left several messages for about a month, faxed my information as requested, again. By the time XX/XX/XXXX came around, I was asked to fax my information again and instead I was able to get an apartment and move, I have XXXX kids that I had to move instead of being thrown out due to a foreclosure. The house remained vacant, I never received any letters about my house going into foreclosure, just statements saying balances that are owed and late payments, a letter from Greentrees attorney stating they will sue me for the remaining mortgage amount owed of over $180K. I attempted a Short Sale that fell through, nothing came of it since we needed so much work on the house and the amount we were selling for was way overpriced for the house. My house was ransacked XX/XX/XXXX, and all of our valuables, were stolen. We called the police and filed a report. After an investigation by our local police department, we found that Greentree sent in a Clean Up crew to winterize the house, change the locks, and cut the grass (which they only did half of the front yard) we had about $15K in valuables and personal property stolen. Filed a claim with our homeowners insurance and we need receipts for valuables that over 10 -20 years old, we do not have receipts! We got in touch with the clean up crew and they denied taking anything, yet all of our neighbors saw them emptying our home, and luckily took down their license plate number. Greentree denied sending them in, the clean up crew blamed Greentree. All of this going on and to date I still have not received a Foreclosure Notice. I was forced by this situation to file bankruptcy to resolve this mess. I  have proof of all of my attempts to file a loan mod available by date as I was faxing this information, names of the reps, phone numbers and departments they work in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX XXXX, 2018, I applied for the American Express Gold credit card online via a referral link my friend sent me and got instantly approved. The process was smooth and I clearly remembered I did NOT receive any " pop-ups '' saying I would not be eligible for the welcome offer ( as Amex customer service later claimed I should have seen ) during the process. To confirm I was eligible for the welcome offer, I even went ahead and gave a call to Amex customer service on XX/XX/2018 XXXX - they confirmed I was on track to receive the bonus and gave me an offer progress number : XXXX. 

I have spent far beyond the requirements but did not receive any of the promised rewards. On XX/XX/2018, I contacted Amex asking for why I was not issued the rewards and was told my offer was declined because of " misuse of credit card ''. I escalated the call several times and they were unable to tell me what exactly cause the " misuse ''. 

What Amex has done was very deceptive : 1. If they determine a customer would not be eligible for the offer, they should inform the customer before they conduct the credit check and approve the card. The credit card market is very competitive and customers have many choices other than Amex. From a customer 's perspective, what Amex has done is fraud. And it has gained Amex an unfair advantage in the credit card market. 

2. What is worse than not informing the customer when they applied is : to tell customers they are eligible when they are trying to meet the requirements and then tell them they are actually not eligible after they have met the requirements. I don't know if Amex is  doing this on purpose. If they are, it looks 100 % fraud to me. 

American Express posted on their website for the Amex Gold credit card : " Earn XXXX Membership Rewards Points '' and " Receive 20 % back as a statement credit, up to {$100.00} per Card account, on dining purchases at U.S. restaurants for the first three months of your Gold Card membership ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: NY
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 am submitting this complaint about equifax credit reporting company. There is an account XXXX XXXX XXXX that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EAST WEST BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
1. According to XXXX  by East West Bank, {$2700.00} was pulled from my XXXX account ( Checking : XXXX ) on XXXX XXXX from a company ID XXXX. 

2. I didn't authorize this ACH Pull or ACH Push.

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 2019-07-06
Company: CITIBANK, N.A.
State: TN
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:
As background, I authorized a fraud alert on XXXX, XXXX  and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my XXXX report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. 

Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. 

I contacted XXXX on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. 

This complaint is against Sears, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: AZ
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:
In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, XXXX XXXX, to cease all collections. XXXX XXXX was required by XXXX and by law to systemically remove the negative file reported to the XXXX major credit bureaus. XXXX XXXX then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for Equifax open. Over a year has passed since I informed XXXX XXXX, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with Equifax refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. I am asking the CFPB to intercede on my behalf because Equifax states that a request to remove the error has NOT been made by XXXX XXXX, while XXXX XXXX XXXX supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but XXXX XXXX states they will do nothing more to have it removed. Equifax continues to state that there has been no request sent from XXXX XXXX and that must be received first before they can comply. I am attaching documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was offered a discount at Home Depot if I opened a credit card with citybank. They opened one but I  never got it. 
I went to try to pay at the store. And they said I didnt have any balance. So didnt worry. 
Now I received a piece of mail stating that I owe more than double the amount. 
So as I see now I was charged initially for a product that costed {$20.00} Yet the fees charged are {$22.00}. 

I was about to pay this but I think it is very deceptive that they are charging so high interest. I wasnt aware of that and I didnt receive the previos bill which would have reminded me I had to pay.

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 2018-01-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got a phone call from my sister on XX/XX/XXXX, stating at a company was trying to reach me regarding a debt. She gave me the number XXXX and claim # XXXX that they gave her. I called the number and didn't hear how they answered or the business they were with. They asked for the last 4 of my SSN and then repeated the entire number back to me. They told me they were contacting me about {$800.00} I owed Ace Cash Express from XX/XX/XXXX and asked if I intentionally closed my old bank account because they were looking at legal ramifications. I told them I never closed the account and it was never intentional, but I was going through a rough time and had paid the debt down to {$600.00}. I asked them the name of their company and they told me " This is statewide. We are a pre-litigation firm. '' They asked if I'd been served to appear in court at work or home and I said no. I told them I could pay the debt next month and then they said they needed to pre-qualify me for a payment arrangement and asked how often I got paid. I then asked them to mail me something in writing so I could verify the information. They refused, saying that if they did that, they couldn't help me and the company would be forced to have me appear in court. I told them I was just asking for verification of the debt. She told me she would transfer me to case management and when I said I just wanted it in writing and she wasn't helping me, she tried to transfer me again. I cut her off, saying to have a nice day and she screamed into the phone " have fun in court! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: GREAT LAKES
State: CA
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:
I have paid my student loans on-time, every month and have started making excess payments each month with plans to make several lump sum payments this year. I contacted Great Lakes to better understand how my payments are being applied since I make excess payments larger than the amount being applied to my principal balance. It turns out they are not applying my extra payments to the principal, which is compete scam!! Instead, they apply any extra payments to the following month 's payment, never reducing my principal balance. 

I have emailed them several times to request the payments be applied to principal only to receive the same script of how to apply payments to certain loans ( not the principal ). In addition, I have requested a spreadsheet of hypothetical scenario of me making a lump sum payment, so I could determine my options and they still have not provided this example, only the same repetitive script. 

Great Lakes does n't make it very clear how the excess payments are being applied. If the extra payments are not applied to the principal, it does n't make sense to pay extra on student loans until you save enough to pay in full since your principal is not reduced and you could be earning 1 % interest or 5-8 % return elsewhere. 

This practice should be illegal -- -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Each time a monthly payment is made on the account, the balance goes down a little. More money is on interest than on car. At the end of loan I was told that I will have to create a new loan because I show a balance still. The original agreement says 6 years and I get my title now their about XXXX $ still at the end of lease that the company is saying I have to pay. Loan is to be paid off XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Citi can not provide me my bill balance or due date when I inquire. On XX/XX/2019 I tried logging in to Citi 's website at https : //online.citi.com to view my card balance and due date. The website would not allow me to login and did not indicate my username or password were incorrect, but simply displayed a message to call customer service. I called customer service and was told they were having system upgrades and asked me to call back in 24 hours. I asked if I should be able to access the website and was told the same answer. No help. How am I to know how much to pay if I can not see my bill? How am I to know when to pay if I can not access customer service or the website, and do not receive paper statements. One system should not prevent the other from being available.

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 2019-07-06
Company: EQUIFAX, INC.
State: NC
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 do not recognize the following inquiry XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2017. Please investigate to make absolutely sure there is no fraudulent activity on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo auto loan and a pay out. I was wondering if I was part of the pay out I did not receive anything for a pay out.

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 2019-07-06
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We went through bankruptcy ( Chapter XXXX, we repaid all our debts ) and XXXX sold our mortgage to XXXX, who we worked with for 7 years and LOVED their customer service -- very helpful. At the end of our bankruptcy we were even given an amortization that we were able to apply to our principle. 

They were recently sold and our mortgage was sold to Shellpoint who now says we are behind a payment even though we have a credit balance? My husband went back through our statements, and verified every monthly payment was made since they notified us that they were the new loan holder. 

He reached out to Seterus and they verified that the last payment we made to them was transferred to Shellpoint. Every time we try to explain this to Shellpoint they keep insisting that we are behind 1 payment, even though they are unable to tell us when we missed a payment. 

During one conversation with Shellpoint we mentioned our bankruptcy and they immediately transferred us to their Bankruptcy Department and the lady we talked to verified we were not behind and made some notes on our account. She also stated that we had a credit balance bc we had been overpaying. 

Despite this, we continue to be harassed on a daily basis by their robocall department that insists we are behind a payment.

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