BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi my name is XXXX XXXX. on XX/XX/XXXX my Citibank account was defrauded by a guy named XXXX who misrepresented himself as a loan officer for XXXX XXXX at XXXX I have attempted to close this account, Report the fraud to the bank and do my due diligence and the bank continues to do nothing. 

The fraud has had an adverse effect on my account as a result I want it closed

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 2018-05-03
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have 2 issues with this company. # 1. I called and advised them I completed an economic hardship deferment online. I was asked/advises on the form to upload my pay stubs. This was performed online through their website. I am requesting a letter stating they gave me the deferment based on what I submitted through their website. Now, a rep is telling me they dont show it. I called when I finished it and the IBR application to say I had uploaded my pay stubs twice one for each to make sure they got it. I requested it back through XX/XX/XXXX to bring my loan current. How do you lose something that is on your website? Where you have to complete it online. I am so confused. I wanted a letter stating my loan was brought current back through that date to not reflect the XX/XX/XXXX late on my credit as I put the request in. I was not provided a letter of denial, but just told my loan was now due to XX/XX/XXXX. Which I assumed was due to the hardship because I hadn't received any info regarding the IBR yet. Then, later on I was advised of my payment amount. The initial letter received about the IBR had incorrect/inaccurate data that had me confused upon reading it. Again, how do you lose something completed through your very own website? 

# 2. 
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note credit bureaus are required to bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I dont reflect nelnet, XXXX and XXXX are bonded in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Ally Financial/Auto repossessed my car on XX/XX/XXXX with no notice of intent to repo until XX/XX/XXXX. I contacted SEVERAL rude and uncooperative sales reps. They all had different stories and all claimed I had missed different months payments. I disputed the credit reports with 2 out of 3 agreeing with me. I have bank statements showing where I paid ahead of time on 3 separate occasions putting me 1 to 2 months ahead of time. When I was ahead and so skipped a month, then I was charged late fees and extra interest. The contract states I have a 15 day grace period to pay each month making payments due the XXXX to the XXXX but if I paid even 1 day after the XXXX, I was charged late fees. The company harassed me on 2 separate occasions so much making me believe I had missed a payment that I struggled on both occasions to make 2 payments the next month putting me in financial ruin. I had to put off other debts to pay Ally extra when I did not owe extra. The last payment I made including extra was applied completely to interest so I am told by an Ally rep. They sold my car and did not notify me of when or where the sale would be. I had no notification they were selling the car. Now they want an additional {$3600.00} and are reporting it past due as of XX/XX/XXXX when I didn't even know they had sold the car. Ally auto has put me in a downward spiral with my other creditors and ruined my credit report. It has been a nightmare dealing with them for the past 12 months. Attached Is all supporting information even bank reports showing 2 payments Ally is not even giving me credit for.

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 2018-07-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
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: Problem with personal statement of dispute

Complaint:
i plead with you to please reconsider your decision, if you cant temporary suppress or remove it ... then can you at least guarantee ; that if i find a way to pay this account in full before hand that you'll remove or suppress the trade-line from the 4 CRAs you report to.. its not like your guys havent already wrote this debt off for tax purposes. we have to come to some sort of arrangement. i honesty dont care how long it takes, i will continue to dispute this matter until XX/XX/2023 if thats what it takes.. the car has already been repoed and sold.. please i know theres somebody on the other side of this message who can work with me.. Again please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. and again I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please. Your kind consideration in this matter is greatly appreciated. 
Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: ZARVAD III S.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
over one year ago someone obtained personal information and opened an account and used information to obtain multiple payday loans and then switched them to our checking account for repayment, had to close accounts and institute fraud investigation which bank found in our favor and reversed all charges, now a XXXX from this loan company is making harassing phone calls and threatening us to take our vehicles, lien on house and go to court over non payment phone # is XXXX XXXX XXXX my pay day loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I just recently opened my bank account here and I wish there was better clarification about the overdraft policy. But that is irrelevant. I entered into a contract and I was told by the company that I entered into a contract with that they would let me know if I was approved for the contract and then if I was approved that they would charge me a XXXX dollar payment. Since, I was never notified about my approval status, I was under the impression that I was rejected for the contract. However, I found out that they charged me a XXXX dollar payment and that I had somehow had been approved along the way without notification. Obviously, this is an incorrect practice. But First National Bank is punishing me for an action beyond my control with a XXXX dollar overdraft fee. Furthermore, I was locked out of my bank account and could not access it. If this bank error had not occurred and I had not been locked out, I would have been able to find out that my account was negative and restored it to a positive balance just in time for the overdraft fee not to be assessed. The bank account could have only been unlocked with a phone call to the bank customer service representatives and I was extremely busy nor did I know that I was going to be charged the payment ( and thus the overdraft fee ). Also, if this fee was assessed during the night, the customer service representatives were not available at that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: OK
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 the attached accounts, 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 non-monetary relief
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: MO
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 submitted letters to all three credit bureaus, XXXX, XXXX, and Experian, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.

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 2018-05-03
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid account off with Regions. Now months later they are charging me a {$50.00} fee plus late charges on a paid account with no credit available. Account should be closed but they continue to keep it open.

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 2021-03-02
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have been an American Express Serve cardholder for five years without any problems. On XX/XX/2020 {$710.00} was stolen from my account in what Im assuming was a skimming crime. I have never given my pin or card to anyone, never lost my card, and was not negligent in any way. I received text notifications that money was being removed and by the time I could get my card shut off, {$710.00} total was stolen from two XXXX XXXX XXXX XXXX ATMs in XXXX stores across town from me ( I live and was in XXXX CO and the money was stolen in XXXX CO ) I reported to police and have filed multiple disputes with American Express who refuse to give me my money back. Apparently the ATMS had no cameras and I feel this is not my fault- these big banks are not protecting my money without cameras or without honoring my insured funds or fraud protection. I feel extremely victimized and this is not right. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX/XXXX/17 I dispute I filed with Paypal was elevated to a claim ( XXXX ). Paypal has since closed the dispute and refused to refund money according to their policy.
On XXXX/XXXX/17 I purchased an item on XXXX via Paypal. The seller provided 2 tracking numbers over the next few weeks in response to queries about why it had n't arrived.
The seller provided 2 tracking numbers to me : 1 ) on XXXX/XXXX/17 - DHL : XXXX ( XXXX XXXX XXXX ) 2 ) on XXXX/XXXX/17 - USPS : XXXX ( XXXX XXXX XXXX ) Later, USPS sent a letter to confirm whether I had received the item. I had not and replied to their letter on XXXX/XXXX/17.
Paypal closed the claim, asserting the tracking number provided by the seller confirmed the item had arrived. I called Paypal and had the claim re-opened. Subsequently they re-closed the claim, once again asserting the tracking number confirms delivery ( it does n't ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX balloon payment came due Upon my trying to pay my monthly note online. 
No Advance notification received prior.Ive Tried to work out with my loan service Mr Cooper.I subsequently reached out to other mortgage company to refi with taking on thilian so I would have 1 payment. After being approved and started the process early XXXX When COVID hit.At this time my main mortgage Company put a hold on all transactions forward I tried again with Mr Cooper to get a loan Modification they refused going back and forth With Mr Cooper to no avail.I finally received A short forbearance. During this time my husband past away XXXX.I stayed in communication with Mr Cooper the entire time. 
I eventually got a payoff from Mr Cooper of {$26000.00} I sent them this Amount and they returned my certified Bank check with original Service Company Nationstar. It is obvious that Mr Coopers intention is to Steal my home during this most Stressful time in my Life. I am A Senior citizen and my Dearly Departed Husband was a Veteran who served his Country

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: American Financial Network Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Ive been under contract on a home since XX/XX/2020 and working with American Financial Network for the mortgage loan. On XX/XX/2020 I was informed by my mortgage rep XXXX XXXX that the underwriter was going to deny my loan with only 13 days left to the closing date. She offered no solutions after making so many promises but as a first time home buyer, I guess I didnt know any better. Needless to say, I immediately asked for the denial letter and started shopping for another lender. I have found another lender and need to have the FHA case number/appraisal transferred as well as the denial letter from American Financial Network. I am not only being ignored by loan officer but she then had the nerve to say the loan hasnt actually been denied and that Id have to wait for the letter before she could transfer the file. It is now 12 days till closing, I have sent numerous emails to her and others such as managers and branch relations. If my loan was denied why is it that Im not being provided with the official denial letter to protect me and my earnest money deposit that was given to the seller. Why am I being so mistreated. Its starting to make me wonder if the loan officer has a personal issue with me based on my demographics because she has been non responsive and our communication has been horrible from the beginning of our business transaction. She also had the nerve to ask if I wanted to just cancel the loan with them and risk losing my earnest money ( her words and yes, I have the emails ), of course I replied NO, do not just cancel my loan. At this point, I just want the denial letter to be issued and to be done with this company. I am now 12 days away from closing and I need to move forward ASAP. Maybe by making this complaint, Im shedding light on the injustice thats being done to people like me, people of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX pulled my Credit XX/XX/2019 I did not authorize them to do so! Please help me on updating this information thank you

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 2018-08-04
Company: EQUIFAX, INC.
State: SC
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 reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX  XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AMERICAN HONDA FINANCE View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 30 days two or three times Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$19000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** CO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Comments - Contact Information XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CITIBANK, N.A.
State: TX
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:
I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX  reaches out for validation they respond that all information is correct and continue to update the account on 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 2018-09-21
Company: PHH Mortgage Services Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We submitted a written request to our mortgage company by email to remove PMI. We have had 1 year of on time payment history and meet requirements of 78 % LTV for automatic removal. The mortgage company has denied our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Tried another bank company was verifying the ownership of my acct with capital one and it said that they as well as I was blocked from accessing my own acct with capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2021-03-02
Company: SLM CORPORATION
State: CA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief