BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: CITIBANK, N.A.
State: FL
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 was in XXXX XXXX and used my CITIBANK credit card at a used clothing store ( like our goodwill store ). I can not find receipt. When i got bill CITIBANK charged me {$3500.00} for a purchase.I thought that they just didnt convert to dollars because in XXXX XXXX currency that amount is approx {$5.00} and is the most I would ever pay for some used clothing.This happened the end of XXXX and they are making me crazy. I have many times called, mailed, filled out their forms, and sent pictures of store which shows name on bldg. 
I have dates, etc They tell me they will get back with me. 
They call and demand payment. 
This is terrible and is affecting my health XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I looked at my credit score on XX/XX/2018 through my XXXX XXXX XXXX. My score was XXXX. 
On XX/XX/2018, when I looked again my credit score was XXXX. 
I called XXXX XXXX and asked for an explanation. They could only tell my to contact you. 
I want to know how and why this happened. 
What causes a score to drop 28 points in less then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/19 I was on the phone with the automated system of Synchrony Bank to pay my Banana Republic/Gap credit card due on that day. I didn't use the representative option because they charge money. 
My due date was XX/XX/XXXX and as my clock turn XXXX XX/XX/XXXX I didn't have an option to call the representative and I explained to the representative over the phone that : I was on the phone until XXXX east time trying to make a payment with the automated system. 
Because the system didn't take my payment I called at XXXX to speak to a representative and because the due date passed for 30 minutes already they charged me Late fees.

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 2020-05-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have reached out to this company via their website twice over the last month and attempted to leave a message at XXXX ( the number listed on their website ). The number never rings and the voicemail is always full. 

I have talked to several other lenders and they said my loan servicer would be able to process my FHA streamline without the fees they have to charge. That would be awesome to avoid unnecessary fees if this FHA servicer ever replied.

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 2017-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submit a previous request ( XXXX ). 
The company submit proof that I never sign. I need original copy, with my original signature in a notarize document. I need copy of the only modification paperwork that I did in 2010 with XXXX. I 'm taking legal action agains XXXX XXXX. for fraud and forgery and probaly agains SPS if I do n't received an appropriate answer from them, since I tried to communicated with them several times and nobody can give an answer about my problem. After spoke with my lawyer, if we do n't received copy with my original signature, we will included SPS as well as part of the legal action for fraud and forgery since they own my mortgage now. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: JPMORGAN CHASE & CO.
State: CA
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 purchased a purse from XXXX XXXX XXXX that arrived on XX/XX/XXXX. The purse was a fake so I returned it on XX/XX/XXXX. This is well within the 30 day return policy. It arrived back to merchant on XX/XX/XXXX. This can be verified via the tracking information from USPS. 

The vendor did not respond to my emails and they do not list a phone number of their website. A internet search on this company shows a history of selling fake items and ripping off consumers but not refunding payments. 

I disputed the charge with Chase as their credit card was used for this transaction. I have provided them with the tracking information several times and have spent hours on the phone with their dispute department. It has been more than 5 months and they still refuse to refund this transaction. This is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-14
Company: Kentucky Higher Education Assistance Authority
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to kentucky Higher Education XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the debt collector Grant Mercantile Agency to pay off my debt. They gave me an amount of XXXX to pay off. I contacted the original creditor ( XXXX XXXX ) to pay the debt off. They then proceeded to contact the Grant Mercantile Agency and the amount had escalated to XXXX. The shock and the anger of raising my debt XXXX dollars in a span of 20 minutes was insurmountable. I got in touch with the billing director at Grant Mercantile Agency, after weeks of phone tag I finally paid the original amount. However I have not received any written notification nor email that the debt has been resolved. Also it is still reflecting on my credit report. My credit report has been updated twice since XX/XX/XXXX. This whole situation has been truly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Old information reappears or never goes away

Complaint:
Hello, I have spent this year focused on improving my credit score and fixing my finances. I paid off all my debts owed and have been focused on being a responsible consumer. This hard work is met with a lot of frustration as I feel I do my part but a company like equifax doesn't have to do theres. I paid off two derogatory remarks that were showing on my XXXX  report and one showing up on equifax. I paid this debt off probably 4 months ago that is still showing up on my equifax report. The transunion report is showing them removed and my credit score is increasing. But equifax doesnt seem to care to update this info and I have been attempting to increase my credit accounts to again increase my score. But I apply for new cards and the equifax report is still showing that debt and is preventing me from moving on. I have been furious over this as equifax doesn't seem to care when I reach out to them and doesn't even respond back. I email XXXX XXXX  as well and nothing. I asked XXXX XXXX  and they just send me a generic link about credit scores. I need help, I did my part and paid the debts now I need equifax to do there's and promptly remove the debt and actually update my score. I feel controlled by these big compoanies and feel like its not right for me to do my part but equifax not have to hold up there end by updating this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy since XX/XX/XXXX has illegally put hold on {$9900.00} Checking and ( {$9800.00} in savings for no explanation Navy has illegally transferred {$9900.00} to payment of line of credit but is still holding the {$9800.00} in savings to date In the mean time they are reporting my payments late to the credit Bureaus If they can illegally take the checking {$9900.00} why are they holding the {$9800.00} savings They were both deposited on same day The funds obviously are good or they would not have illegally taken the {$9900.00} in the checking to pay the payment on the line of credit Navy has continued to lie to me as for a legit explanation Navy is a bunch of thieves

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Was given til XX/XX/2019 to purchase flood insurance by bbva. I did so and my insurance agent sent the proof of insurance on XX/XX/2019. He also called to make sure everything was received. On XX/XX/2019 bbva purchased flood insurance on my behalf then cancelled it and only refunded me a portion of the premium back. Cost of premium was XXXX and refund amount was XXXX. I did what was asked if me on time. The letter just says to respond by XX/XX/2019 and I did that several times also. Still I had proof that I purchased flood insurance before the deadline and all the info was sent to bbva on the XXXX of XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have repeatedly tried to get Wells Fargo to correct their difficenct systems and practices, to no positive result. In each case, Wells Fargo just demands more and less practical information. I have previously asked Wells Fargo to correct this information, in return they claim that their records don't match and that I must provide bank records from nearly a decade ago in some cases to correct their records. 

I had a WFDS loan for an auto that was paid in XX/XX/XXXX. To this day, Wells Fargo continues to report the loan delinquent, with delinquenceis in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Attached are payment confirmations that I received from Wells Fargo as they happened. If you reference CFPB Complaint # XXXX you will see that Wells Fargo simply denies the problem and demands yet more records that are now at this point nearly 7 years old. 

In light of the recent facts that have to come light with Wells Fargo practices, including : - Massive settlements regarding fraudulently opening accounts in the names of customers - Abusive red-lining and discrimination against other XXXX and minority customers AND - Underhanded sales practices and dishonesty that stretches to the top of the company I feel it's time to revisit this issue which has negatively impacted me for nearly 6 years.

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 2021-02-27
Company: TD BANK US HOLDING COMPANY
State: PA
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:
To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.XXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.SANTANDER CONSUMER USA {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {$360.00} DATE OPENED ON XXXX 6XXXX XXXX XXXX   {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXXXXXX  {$240.00} DATE OPENED ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
The company is unable to respond directly to your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. 

This complaint concerns Complaint ID XXXX, Submitted on XX/XX/2019 and closed by CFPB based on Company 's false response, which stated that, " The company let us know it is unable to respond to your complaint through the CFPB because it involves the same issues raised in pending or prior litigation between the company and the account holder. '' There was and is not any pending or prior litigation between Honda Financial Service and myself or any other account holder. Therefore, was and is not a private attorney or local legal aid office that assisted or is assisting me with any litigation with the company. 

Basically the Company was untruthful in its response and the CFPB should have verified the information prior to inadvertently closing the complaint. This issue needs to be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Interstate Recovery Service, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX.2017 Interstate Recovery Service contacted me about an alleged outstanding debt I had incurred from some sort of transaction that they can not provide me verification for. Something about magazine subscriptions. After contacting them and requesting any and all information pertaining to this alleged debt, they informed me that there was none. No receipts, no judgement, nothing. They could n't even tell me when this alleged transaction took place. I informed them I would not be paying the alleged outstanding balance of {$540.00}, and would report them to the FTC. They still would not provide me with any information at all. I looked up the company on the Better Business Bureau website and the very fist complaint was about something similar, magazines never received and on that case, accounts still requesting money after being closed. All correspondence with this company has a different address and a different phone number than the information given on the BBB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX, 2017 I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated 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 2019-09-25
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a flyer in the mail saying I would receive a XXXX bonus for opening a new checking account I just had to have 2 direct deposits of a XXXX or more in 60 days well I did everything on my part now they come up with excuse after excuse I feel mislead and there advertising is misleading.

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 2018-05-16
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: Old information reappears or never goes away

Complaint:
I filed a dispute with Equifax in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: ACIMA CREDIT, LLC
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: Account information incorrect

Complaint:
When Covid-19 started my account was current. I tried numerous times to work with Acima Credit, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to XXXX. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX, I received an email concerning an auto pay reminder which was surprising to me because I discontinued in auto pay on XX/XX/XXXX. 
The reason I discontinued in auto pay was after they accepted my deferment they then attempted to collect said deferred fees which in turn caused me to over draft with my bank. I filed a complaint with your business at that time and my money was reimbursed. I cancelled all auto enroll payments to Navient to avoid future occurrences. Now, five months later, I had XXXX taken from account today. 
I only work 30 hours a week and can not afford to make any payments at this moment. I reached out to company to request deferment and received a busy signal for number provided on website. I also am unable to defer my loans through the Navient portal. It states that I do not qualify for a deferment of any kind and will only allow me a forbearance. After looking into the the negative aspects that forbearance can do to my financial standing I can not not accept this option.

This leaves me in an extremely difficult position at a financial standpoint and I can not continuously track down the people who state they are here to help me when the only thing they have done is take money out of my account unknowingly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
This is my second complaint regarding a XXXX purchase I did not make dating several years back. I disputed this purchase with the company and filed a CFPB complaint and the credit has not been applied to my account.

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