BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Customer Service : I am writing this letter to request help with obtaining an overpayment from Acura Financial Services. I recently was blessed with a financial gift to pay-off my car. The financial gift was more than the final pay-off ( See enclosures ) ; it was an additional {$2000.00}. I contacted Acura Financial Services before sending the pay-off and was told, it would take a week and a half before I would receive my overpayment. After that time passed, I contacted customer service. I was told that the check would be held to make sure everything was  Okay and the overpayment would be sent out on XX/XX/XXXX. I told the lady it was a cashiers check, which is cash, so why would it need to be held. She indicated she would send it over to another department for review. I asked for a supervisor and was told it would take 24 to 48 hours before I could speak to a supervisor. I called back after 48 hours  and spoke with XXXX and she pretty much gave me the same run-around, but she did say that the check had been mailed from Texas. I asked her if I would still receive a call from a supervisor and she said the supervisor would tell me the same thing. 
Shortly thereafter, I received a phone call from XXXX ( Supervisor ) and he told me the check was mail on XXXX the XXXX and it was coming from California, but he could not determine the mail time frame. Now understand, I received my title a week and a half after the car was fully paid off on XX/XX/2020. The title came around XX/XX/XXXX. 
I am now requesting help to obtain my overpayment of {$2000.00}. I feel as though Acura Financial Services hold individuals overpayments for their purpose ; to increase their profits. 
This should be investigated for all consumers if this is an ongoing practice. A cashiers check is guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ data international has been calling me from dozens of numbers over the last 3 years in an attempt to collect a debt I supposedly owe. In that time they have not been able to provide a single shred of paper evidence that I actually owe the debt or to where I should send my payment, despite my providing them with a valid and current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife, XXXX XXXX was unable to work as of XX/XX/XXXX as she was declared XXXX by Social Security and received an award letter. In XX/XX/XXXX we contacted our mortgage company to apply for mortgage assistance which the mortgage company played games having us fax and re-fax bank statements, proof of income and my wifes award letter from Social Security. We were asked to keep resend this information for least three months. After the third month we received a letter of denial for any assistance from our mortgage company. At that time we chose to sell off some of our possessions and ask our family members to help us save our home, but we continued to pay our mortgage. In XX/XX/XXXX we received a letter from our mortgage company saying that we our mortgage was going up because our county taxes went up and for two years we failed to pay escrow. This was a fairly new mortgage company as our mortgage was sold in XXXX and we never had a problem with the old company. We checked and our state and county taxes are the same. In fact the new mortgage company sent us a check for escrow over payment. Now when I send the monthly payment it says payment for unapplied finds, mortgage went from XXXX to XXXX a difference of over XXXX without any REAL reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Navient Solutions, LLC.
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:
Navient is misapplying payments and claiming past due balances plus adding fees to the past due amount even though all of my payments have exceeded the minimums due and have been paid by the due date. 
Examples : XXXX Statement : Total Payment Due : XXXX by XX/XX/2021 XXXX Statement : Payments since last bill : XXXX ( paid XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including a past due amount of XXXX and a fee of XXXX XXXX Statement : Payments since last bill : XXXX ( actual payment XXXX on Mon, XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including no past due amount or fees XXXX Statement : Payments since last bill : XXXX ( paid XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including past due amount of XXXX and fees of XXXX. ( XXXX scheduled to be paid on XX/XX/XXXX ) This has been an ongoing issue with which I have spent hours on the phone with Navient trying to resolve. The last representative I spoke with understood the issue, empathized with it and raised an internal audit request. All other conversations have been met with defensiveness and excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full, at time of service. Received another notification of balance, via postal service, paid in full again at that time. Made attempts to verify debt with medical provider, which went unanswered. Debt sent to collections, which was disputed to no avail. Date of original debt would not be possible due to relocation of residency. Collections still attempting to collect on this debt. Willing to pay a third time, but still dispute this debt and feel it would remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: OH
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:
During this COVID pandemic, I got distracted by caring for a sick family member and was late on my credit card payment with CITI. I have had this account for 5+ years, always in good standing, never a time where I did not pay or became delinquent or had any issues reported on the account. I got an email stating my account was late and they refunded the late fee because I have never missed a payment. When I first got this, I was do grateful and happy they were proactive with that. That moment, I made the payment online and the account is current. Again, never any issues with the account. This missed payment was in early XXXX 2020. Then, today, I got a separate notice saying they adjusted my credit limit down, decreasing my available credit and sighting " my utilization of credit with other accounts was high. '' My credit utilization has been the same for the last 2-3 years. This particular account has not been used for many many months as a way to positively impact my credit utilization. By Citi taking this adverse action at a time of a global pandemic and lowering my credit, it puts me in a worse position because my credit utilization, which they sight as the reason for the adverse action and reducing my line actually makes my credit utilization WORSE. It is unfair and unethical to impact customers in good standing during a time of national and global crisis while at the same time publicly stating Citi is here to help people impacted. This type of adverse action is uncalled for. My credit profile has not changed in years and I think it is unfair and irresponsible to be taking adverse action on a long time customer, in good standing who made a mistake by paying an account late in the middle of a global pandemic.

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 2020-11-21
Company: Bepensa Capital, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company calls at all hours of the day, switches the phone numbers they are calling from, they call numerous times per day. They are the finance company I bought my car through, theyve threatened if I dont pay now theyre going to report negative to my credit report. My car note is due the XXXX of every month, they get their payment before end of month but they dont stop calling until they do. My household has been income impacted because of COVID they are aware of this, weve asked them to stop calling us because they still get paid every month is just not on the due date. They call my boyfriend all day every day and they call me all day every day. This is harassment at this point I want to file a suit. Theyve called from XXXX, XXXX, XXXX, XXXX, their number is always changing they are located in Florida theyre not even supposed to be calling from a XXXX area code that is XXXX WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my 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 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was an authorized user on a BofA credit card and it is reporting to my credit as a bad account. I have requested removal and for them to take it off my credit since I am not financially responsible but they have failed to do so.

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 2017-09-20
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit reports I noticed an unfamiliar item that was in collections negatively impacting my credit. 

On XX/XX/XXXX I sent a letter to the collection agency asking to not only validate the debt but provide the method of validation and they did not. 

I received a letter dated XX/XX/XXXX responding to my request, however the debt was not validated, the letter was a verification letter. The information I requested was not received. 

On XX/XX/XXXX I sent a second request asking to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: TX
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:
READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint, then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( Experian, XXXX  and XXXX ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( Experian, XXXX, and XXXX  XXXX. This matter is completely UNACCEPTABLE! 


XXXX  XXXX 's Response  We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS Experian Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XXXX XXXX, 2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XXXX 2020, I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY 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 2021-03-25
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to XXXX, Equifax and XXXX  on XXXX.It 's been over 45 days and I have yet to hear back from then. XXXX, XXXX Equifax are in violation due to not responding back in time. I am kindly demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've gone through the credit I've noticed a few collections that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Dear sir / madam, In XXXX this year, I opened a PayPal Mastercard account with Synchrony Bank. This resulted in a " hard '' check to my credit report, after which the card was approved. 

However, when I received the actual card, I could not activate it because of some technical glitch with the confirmation message system on Synchrony 's side. I received no further communication from Synchrony bank whatsoever. Due to the COVID pandemic, I was not able to follow up with the bank immediately. 

Subsequently I received a letter, dated XX/XX/XXXX, informing me that the account has been closed due to " restriction for suspected unauthorized use [ and ] subsequent inactivity in this account. '' No attempt was made by Synchrony bank to notify me of the upcoming closure. There were no charges on the account and the account was not delinquent. 

When I attempted to contact Synchrony directly to reopen the account, I was informed that it could not be reopened without a further credit check and is deemed " high risk ''. No reasons for deeming it " high risk '' were provided ( for context, I have excellent credit ).

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 2018-02-26
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC bank has sold my signature i suspect because i traced down some numbers on a returned check to a financial institution in XXXX, strangly enough on another returned check i have from somewhere else i found the numbers in the lower right corner also that traced down to a XXXX corporation,,,,,,,,, so why is PNC bank asking me for or claiming i owe them something when they sold the original instrument of indebtedness and made plenty of profits, and why cant they produce the original instrument with wet ink signature, why is it a secret what they do with these signatures, look up the number XXXX and tell me what you find, im gettiing to the bottom of this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
COINBASE FROZE MY ACCT ON XX/XX/21 MY ACCT HAD XXXX AND I HAVE TRIED OVER 10 TIMES USING THE COMPANY.S PROTOCOL WITH NO SUCCESS TO ACCESS MY ACCT. RESOLUTION : I WOULD LIKE XXXX PLUS CAPITAL GAINS SINCE XX/XX/21. TODAY BITCOIN IS XXXX XX/XX/21 THANKS FOR YOUR EXPEDITIOUS HANDLING OF THIS MATTER. I AM ANXIOUS TO GET INTO MY ACCT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please find attached all the documents I have originally filed with under XXXX XXXX XXXX, who now operates as XXXX XXXX XXXX. On page 5 on the XX/XX/XXXX file attached shows the accounts I listed at the beginning with XXXX XXXX XXXX. File XXXX ( 1 ) I have attached the statement I sent them sometime after XX/XX/XXXX XXXX XXXX XXXX is claiming the account that was not listed in the beginning of the program and then they called it Barclays after that and thought they were settling with Barclays with XX/XX/XXXX ( debt collector ) but it was a XXXX card account ending in XXXX and not Barclay 's account ending in XXXX. And then this XXXX account was paid off instead on XX/XX/XXXX when this account was not at the beginning of the contract. They told me to send all collections letters from all accounts to them which I did. All these documents should be available for my review by XXXX XXXX XXXX. I have also made several attempts in the last few months to get this resolved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without any results or assistance. Also, please find the attached dispute results fromXX/XX/XXXXXX/XX/XXXX and XX/XX/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 2019-08-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank has been aggressively marketing a Citi Accelerate Savings Account.  On XXXX XXXX I decided to open an account and fund it with savings from my non-Citi bank account.  As soon as I opened the account I noticed that I did not get any email confirmation that the account had been opened.  Concerned that there was no documentation of the transaction, I called and decided to close the account that same day.  The next day I get a call from my regular bank telling me that Citi had withdrawn money from my account.  I called Citi (not easy to do) and spoke to a New Account Supervisor XXXX #XXXX. She said that because the account was closed, the money went into a "subledger account"  I could either wait 4 days to have the money redeposited in my bank account, or she could try to reopen the Citi savings account and deposit the money there.  4 days later she calls and says that I should expect the money to be deposited in the new account.  I checked the citi savings account and the balance was XXXX. I called XXXX and spoke to 3 people, the first two apologized and "disconnected me" finally the 3rd person (XXXX #XXXX) connected me to another supervisor, XXXX  (#XXXX) who said that she never heard of XXXX. She would have to put in a request and I would have to wait.  I asked her what would happen to my funds if this is not resolved.  She said that Cit would send the money to abandoned property and I would lose it.  It's been 14 days and I am concerned that I am stuck in this loop where they keep bouncing me around, giving me excuses, and avoiding the return of my funds.

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