BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
**THIS IS A FOLLOW-UP TO COMPLAINT # XXXX, WHICH WAS ALREADY FILED** On XX/XX/2022, I contacted Sallie Mae in hopes that I could negotiate some sort of financial arrangement to avoid my cosigner and I being reported to the credit bureaus. The customer service representative ( CSR ) that I communicated with, after being placed on hold numerous times, was finally able to to present the following offer to me in order to avoid being placed in negative/adverse status with the credit bureaus : a back payment, in the amount of {$270.00}, and a promise to pay the delinquent amount of {$970.00} upon next payday ( XX/XX/2022 ). 

I agreed to the terms as they were presented, and a payment, in the amount of {$270.00}, was processed/drafted from my checking account on file. I requested numerous times to the CSR to reiterate that the offer/terms that were presented would result in my student loan accounts not being reported as negative/adverse to the credit bureaus, and I was assured each time that those accounts would not be reported as such. 

On XX/XX/2022, I was alerted by XXXX that Sallie Mae did indeed report my student loan accounts as delinquent, which resulted in a decrease of my credit score by XXXX points ( I assume the same result occurred to my cosigner as well ). As a result, a dispute has been filed with the agency to investigate the situation. Also, my father ( the cosigner ) was just contacted by Sallie Mae via telephone as a reoccurrence of the constant barrage of harassing/annoying communication tactics utilized by the organization that were previously reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My American Express credit card was jeopardized on XXXX/XXXX/XXXX, i called them the next day but nothing was done somebody used my credit card I had the credit card in my possession but XXXX did not do anything to investigate until I called them again on XXXX/XXXX/XXXX, 11 days later and my other credit cards were also were hacked why didnt do any investigation and credit my account XXXX, fraud is serious matter and American Express didnt do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-06
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank made a serious mistake on my 1099-INT tax form this year. This issue was escalated to Citibank Executive Response Unit over a month ago and it was assigned to their representative XXXX. 

Although I received the corrected 1099 tax form from Citibank by mail now, the electronic tax form in my Citibank online account is still the wrong one. I communicated this issue with XXXX many times so far, but it still has not been resolved yet. 

I request Citibank to correct the wrong 1099 tax form in my Citibank online account immediately without any further delay, because I need to file my tax return to IRS now. 

Also I request CFPB to penalize Citibank for such serious banking errors per federal regulations!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When Nationstar took over the servicing of the loan from XXXX XXXXXXXX XXXX they started refusing to accept my payments and started send them back to me putting the loan in default. I did everything I could to stop them from doing this, continued making the payments that were stated on the XXXX loan modification from XXXX XXXX XXXX but they still refused to accept the checks that I sent in. They denied that I had made every payment since the beginning of the recorded loan mod even though I sent them all of the checks that XXXX XXXXXXXX XXXX had cashed. 
I had several people try to talk to them including attorneys, fraud investigators, and loan mod companies but they were unwilling to look into their errors and kept denying that there were errors. 
I finally was told by attorneys that the only choice I had was to sue them. I have been in a lawsuit with them for years and the court is now awaiting the results of the case called XXXX XXXX XXXX XXXX and said that they would decide on my case after that case was decided. Nevertheless, Nationstar is trying to sell my house in a trustee sale. It is causing the reduction in value of my house and many uninvited people are coming to my house and calling nonstop trying to buy it for way less than the actual value of the house. Having strange people show up at my house unexpectedly is causing stress to my pets and to me. 
I do not want to sell my house and I plan to stay here as I have put a lot of money into this property and I have lived here for 27 years. I know all of my neighbors and I feel safe here except for the people that Nationstar is causing to come to my house uninvited as they are advertising it for sale on their XXXX   web site. I tried to have them do another loan modification but they will not talk to me or to the loan modification companies who tried to help me put the documents together and submit them to Nationstar. I have tried several companies and they all said that Nationstar will not communicate with them even though my attorney has given them the authorization to talk to these companies. 
They are making it impossible to do anything but sue them. 
Apparently the CFPB and AGs have already sued them for the exact same things in my lawsuit and they settled with them which seems to just give them license to continue with their unlawful ways. This needs to be corrected. 
Nationstar just thinks that they are above the law and if someone does not stop them they will continue to hurt many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had set-up an auto-debit payment for my mortgage with Ocwen, XXXX # XXXX. Ocwen received the payment XXXX XXXX, XXXX, but it send a second mortgage bill on XXXX XXXX, XXXX which was returned because of insufficient funds. XXXX charged me {$36.00} for returned item fee. 
On XXXX XXXX, XXXX Ocwen received my monthly mortgage payment, but again it send a second mortgage bill on XXXX XXXX, XXXX which was returned for insufficient funds. XXXX charged me {$36.00} for returned item fee. 
Ocwen received my monthly mortgage payment on time, but kept sending a second bill causing a return item fee for the second bill. I sent an inquiry to Ocwen but did not receive a satisfactory response. 
Double billing is illegal and causing problems with my checking account, my mortgage contract states that I will only pay once a month, this abusive double billing must stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was contacted by cashapp support explaining that I was in violation of terms and conditions. I have {$130.00} on that account and do not have access to it. I would like my account to be reactivated or atleast be able to get my money that is just sitting there. I have bills to pay with money Im not able to have access to. It would be much appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
THE RESPONSE ON CFPB ENDING ON XXXX WAS A COMPLETE LIE ON THE PART OF XXXX XXXX. THE CLAIM WAS FILED ON XXXX/XXXX/XXXX ON THE FRAUDELENT TRANSACTIONS AND XXXX XXXX CLOSE THE ACCOUNT ON THE SAME DAY AND HAVE COPY OF THE LETTER THEY SENT ON THE SAME DAY. ON XXXX/XXXX/XXXX THE CLAIM WAS DENIED ON THE NEXT DAY AND STATED THEY WERE GOING TO REVERESE THE XXXX CREDITS OF THE 36 TRANSACTIONS ON XXXX/XXXX/XXXX. ON XXXX ANOTHE RLETTER WAS SENT SAYING THE SAME THING AS THE LETTER DATED XXXX/XXXX/XXXX AND STATNG THE THE ACCOUNT WAS CLOSE ON XXXX. 
1-LETTER ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX DUE TO FRAUDELENT ACTIVITY TEMPORARY CREDIT IF ACCOUNT CLAIM IS FOUND VALID. 
XXXX XXXX/XXXX/XXXX CLAIM RESOLVED AND ATM CARD ENDING ON XXXX. WILL REVERSE THE CREDITS BY XXXX/XXXX/XXXX XXXX LETTER DATED XXXX/XXXX/XXXX SAME AS # 2 CLAIM RESOLVE AND REVERSE CREDIT WILL BE DONE XXXX LETTER ON XXXX/XXXX/XXXX STATING THE ACCOUNT WAS FOUND THAT ALL FRAUDELENT WAS WAS IN FACT ILLEGAL AND THE CREDITS WERE PERMANENT. HOWEVER THAT NEVER HAPPEN. 
THIS ACCOUNT WAS CLOSE XXXX XXXX/XXXX/XXXX BY XXXX BANK DUE TOFRAUDELENT ACTIVITY. THE RESPONSE ON CFPB STATED THE ACCOUNT WAS CLOSE ON XXXX/XXXX/XXXX AND THAT WAS A LIE VERY SIMPLE ON XXXX ON THE ACCOUNT THAT WAS CLOSE ON XXXX/XXXX/XXXX BANK SHOWS THAT THERE WERE CASH XXXX CASH WITH DRAWL S ( SE STATEMENT ) ON FOR XXXX ON XXXX/XXXX/XXXX AND ANOTHER ON XXXX/XXXX/XXXX FOR XXXX AND ANOTHER FOR XXXX WHO DID THIS WAS NOT ME IT WAS XXXX XXXX XXXX. AND IS ALSO OTHER FRAUDELENT ACTIVITY BY WHOM EVER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: CITIBANK, N.A.
State: IL
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:
Purchased a computer from Best Buy with their store CitiBank Credit card for {$1900.00}. Item was shipped missing components and was an obvious return that was re-boxed and resold by Best Buy or XXXX XXXX. Told to return item by support after no response from manufacturer, item was received and signed for XX/XX/XXXX via XXXX label provided by Best Buy. Was told I would get a refund by support. No refund appears. I initiate a dispute with CitiBank providing proof of return and tracking. 
Call Best Buy phone support, the girl helping me tells me my account has a note to not help me and to advise me to contact XXXX. 

XX/XX/XXXX, I go to my local Best Buy to get help because still no refund. Manager of store tells me that Best Buy mailed the item back " to me '' XX/XX/XXXX, item was deliver to XXXX, IL XX/XX/XXXX, with no address by XXXX. I live in XXXX XXXX, IL. Best Buy opens an investigation on XX/XX/XXXX for the lost package. ( at this point I have no idea the item was mailed to me, I didn't find out for another month ). XX/XX/XXXX, Lots of finger pointing by XXXX and Best Buy, no resolve from credit card dispute still. Late XX/XX/XXXX, I file a XXXX  complaint and am contacted by someone at CitiBank corporate in XX/XX/XXXX, who tells me she can't refund me but sees all the evidence should get me a refund. XX/XX/XXXX XXXX issues insurance claim to Best Buy for full amount ( according to XXXX phone support and XXXX tracking ). XXXX advises to contact the sender, aka Best Buy. Because XXXX apparently doesn't insure the receiver, only the sender. 


Best Buy accepted the insurance claim according to level 1 phone support, but they have no idea what to do now, advise me to file a credit card dispute ( which I did months prior ). 

XX/XX/XXXX, Citibank mails be a dispute decision and excludes the real tracking number, but Best Buy has included three tracking numbers two of which, are for two other items purchased in XX/XX/XXXX and are blatantly claiming them as the computer return tracking, despite the return happening in XXXX. They exclude all of my evidence, and exclude the real tracking number showing that XXXX paid the full amount insurance claim. 

I just want my money back.

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 2017-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one cancelled both my cards without telling me. I therefore lost rewards points. Only one card should of been canceled due to fraud purchase yet they did both without notification and I still have n't gotten my card or rather cards yet. I need them ASAP for travel and they wo n't even overnight them. It is rather funny how if I mess up I am charged fees etc yet they screw up and it 's well ok. Nice to be elite. I guess so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: AMERICAN EXPRESS 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:
Hello, I was issued a XXXX XXXX XXXX  credit card in XXXX of 2021. After never receiving a physical card, I called XXXX XXXX times asking to resend my card, each time I called they told me they would send another XXXX and never once mentioned there was an issue verifying my identity. They then cancelled my card, without notifying me, and closed my account- greatly affecting my credit score. I am a XXXX XXXX XXXX college student and I have worked very hard to get my XXXX XXXX very high- I had it at almost a XXXX. It has since dropped significantly. AMEX admitted fault, and told me that they would love to give me another card and open a new account. Others told me that they would Re-Open the card so it doesnt affect my credit, but then they hang up on me. I now have a {$1200.00} bill they want me to pay after they dropped my credit score by closing my account and admitting fault. I would like to re-open the closed account so that I can pay off my credit card with them and not have my credit score be affected by XXXX XXXX negligence. I hope you can help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
This would represent the 1st of a few complaints. In XX/XX/XXXX, I purchased a {$18000.00} certificate of deposit. As I can remember, I was told it was a tax write-off. I was also told it would automatically renew ever 5 years. What I was not told was, if the bank is sold, I will not be able to get my money back. From what I gathered, XXXX Bank sold out to XXXX and XXXX sold out to PNC Bank. I have other information that state that XXXX Bank sold out to XXXX Banks. in XXXX, i was losing about {$40000.00} per month in the violation of the RICO Act and in violation of 18 USC 1956 " money laundering or proceeds form specified unlawful activity with XXXX Bank facilitating those crimes. That is in another complaint against XXXX Bank. 
I do not think it is felonious activity should be excused when public officials/ court officers are involved. I have included the Certificate of deposit that I never collected from. I did hire a lawyer and was still unsuccessful in getting my money. My understanding from my lawyer is that PNC sent bulk money to the NC State treasury without identifying information with it. The State want a letter for PNC stating what batch of money my money was in, PNC refuse to provide any such statements. 
we as citizens work to have our money stolen, than we are expected to pay more money trying to get back money we have already worked for. That is starting to look a lot like slavery involuntary servitude and racketeering facilitated by the Banks, we work and they take the money. 

I am a farmer, a licensed general contractor and father, I do not know how to deal with banks who intentionally ignore the CFR regulating the banking industry. In all, we are out about {>= $1,000,000} from the time I purchased that certificate until XX/XX/XXXX. 

considering what all that has happened related to Banks, money laundering and the violation of the RICO Act, after the lost of this {$18000.00} plus interest, I feel this is a common practice in banking in the united Sates to perpetuate slavery. it is my firm belief that the State of NC facilitate the banks and lawyers in stealing millions from the XXXX community with impunity. I firmly believe these acts are intentional acts to harm the economy for XXXX citizens in NC as was done in the XXXX XXXX XXXX, they are still doing the same thing in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Acquired Assets, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX XXXX a letter asking to verify and validate this account in the balance of XXXX and I received no proof of documentation of contracts with signatures. no proof of fair and thorough investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed accounts this month that I do not consent to, authorize nor benefit from any of the following inquires. Block and remove them. 

Pursuant to FCRA 15 USC 1681. 

All of these accounts are in litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: SYNCHRONY FINANCIAL
State: KS
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:
In late XXXX or early XXXX of 2022 I purchased an XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ( XXXX ) XXXX. I ask them if I could finance this as I did not want to spend money from my savings. She said I will locate, get your info and let you know. 5 minutes later she said she could get it financed and so I said go for it. The company took the loan which I had ask for {$4200.00}. When I got the paperwork they had already added money for finance. The total now was {$4900.00} and the payments would be {$150.00}. On the XXXX of XXXX I went to XXXX 's and ask to trade my original purchase in for an upgrade. They told me how much it would be and I agreed. I went to my Bank witch is XXXX XXXX XXXX XXXX and ask them to take this entire loan. They did and sent a check to the finance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX. ) The bank knew that this had to be paid prior to the XXXX of XXXX to avoid adding more interest charges. So they sent the check overnight with a signature required. The check was signed for on the XXXX of XXXX. It is now XXXX XXXX and they keep adding interest and wanting a payment. I have tried to call the company numerous times and to date have had no success from anyone at this company. All I want is to protect my credit score. If they show me as a no show then I will be left with no choice but to sue them. Not sure you can help with this but I am desperate. I value my credit score of XXXX and have worked hard to get it up. All my bills are paid every month and have not ever had a late. My phone number is ( XXXX ) XXXX. If I am barking up the wrong tree then pleas notify me I may proceed. Very Respectfully, XXXX 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 monetary relief