BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I setup auto pay via Citizens Bank website in XX/XX/XXXX ( or thought I did ) but evidently it did not activate immediately. I set this up in good faith but the first payment was late - XX/XX/XXXX - and is reported 30 days late on all three credit reports. Since the late payment Citizens can see I have auto-paid every month since then for almost 2 years. They are being completely unreasonable to a good customer who setup auto pay in good faith. Additionally, they should accept blame for having inadequate technology and/or other processes that setup auto-pay in a more timely manner. I have paid in good faith as agreed - if their technology was more contemporary this would not be a problem. 

Totally unreasonable and unfair. Punishing a customer who setup auto-pay in good faith. 

Others be warned Citizens Auto Finance has terrible technology and will blame you for any delays or incompetence. Further they will do nothing to work with you to remedy the problem. 

After further review ( this warning was not readily visible to me when I setup autopay ) Citizens Bank even tells their customers their technology - or whoever they outsource it to - is potentially unreliable with a warning on their website when you setup autopay. See below. 

If you go to the Citizens Bank website ( https : //www.citizensbank.comXXXX ) to setup autopay and click on " Setup Recurring Payments/Login '' you receive the following GLARING WARNING alerting customers to the potential unreliability of the website you will setup autopay on. Again this warning was nowhere to be found when I setup autopay. The warning from the Citizens website is below. 

" Please note : You are about to leave the Citizens Bank website. Citizens Bank is not responsible for, nor do we control, endorse, or guarantee the content, products, and/or services of the subsequent pages. The linked site may have a different privacy policy or provide less security than our website. We recommend that you review these policies on the linked site. Thank you. '' Citizens Bank admits to the unreliability of their own technology and then unfairly and unduly punishes their own customers for their system failures and shortcomings.

Pathetic! Incompetent!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Bread Financial Holdings, Inc.
State: FL
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 made payment and paid off all my credit cards. I spoke to the company and they assured me everything was good since I had made a payment plan due to covid. After I paid them off without notice they completely took down my credit limit, closed my cards and didnt report the payments to the credit agency. This has caused my credit score to lower a lot and no changes have been made. There action have greatly affected my score and I had spoken to the company and credit agency such as XXXX, etc and I was assured my credit score was fine and my standing with the company was fine and it turns out it was all a lie and now they don't want to help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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: Card was charged for something you did not purchase with the card

Complaint:
citi card is not addressing fraud on my account 1- two unauthorized vacation packages on my credit card were not disputed despite my request to citi 2- a charge by XXXX for XXXX was not taken off my credit card despite the company cancelling the flight. 

citi says they have to go by visa regulations?????? and they are not responsive to me i called citi several times and was told a supervisor would call me and they never did.

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 2018-10-25
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone open this account in my name, not my account the company found out this account was a fraud they have not removed it from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Account with US Ban k Visa card.I canc elled the card and paid the balance due.   After the account was canceled, they accepted a charge on the card from a high school reunion site I had visited in the past.I called and complained to US Bank, but they were no  help.The total charge was only {$15.00} ; since US Bank was no help I just paid the $  XXXX .Now they are sending me bills for late fees every month for a bill that they accepted on a cancelled credit card and that was even paid because they were no help.I have contacted the company numerous times in the past few months-with NO help from them.My cur rent bill from them says I owe {$36.00} ( due  XXXX   XXXX  ) in late  fees.HELP.This same company tried charging me on car loan that was paid off earlier this year.Please help.This is the most unethical bank I have ever dealt with, and I am not a young guy.

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 2019-02-20
Company: Merchants Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection back In XX/XX/2017 in the amount of XXXX and it has damaged my credit because it reports negatively on my credit as a unpaid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had a monthly payment of {$45.00} due to income based repayment. When I was close to graduation the company changed the payment to {$1500.00} a month. I had applied for income based repayment but they had not processed the paperwork. I sent the paperwork in XX/XX/XXXX. They did not inform me the paperwork was not received until XX/XX/XXXX. My payment went from {$1500.00} to {$21.00} for 2 months, then it was put in forbearance. In addition, they consolidated some of my loans but not others. I was told all loans would be consolidated to correct the company 's error in XX/XX/XXXX. I started to receive a $ XXXX monthly bill for one loan in XX/XX/XXXX. I received a {$310.00} bill for a different loan in XX/XX/XXXX. You write and you are told that department can not help you. You call and you wait on hold for 45 minutes to be hung up on. If you do not talk to the same person, you do not get the same information. There are no records of anything and there is no explanation as to why a payment would increase to 10 times what you paid before when your income did not increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: CT
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:
There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX   deleted the collection account. XXXX closed the collection account. Equifax verified the original account and the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In 2017 I purchased Bitcoin and Ethereum in a digital Wallet through my XXXX Debit card.

I sold some and am unable to get it from the wallet back into my bank account. MY MONEY IS HOSTAGE. I have sent multiple pictures of my drivers license, copies of my bank statement, utility bill and tax statement. They still can not find a way to return my money to my bank account. I have an " open case ''. They answer the phone which is appreciated, but I am getting nowhere. It would be nice to have them send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: TN
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 was involved in the great Equifax incompetence credit fiasco of a few years ago. I attempted at that time to acquire my credit report, but was unable to due to computer problems and the difficulty ( intended ) of using their system. At that time I placed a credit freeze on my account in vain hopes of preventing any more damage to my file than Equifax already had done, through their GREED DRIVEN incompetence. I never did receive a verification that this ever took place. I have worked hard and paid smart all of my life in order to have and protect a good credit score. 

Over the last several years I have noticed a decrease in my score. Although my bill paying habits have remained the same. 

I was recently denied a credit line increase thru one of the credit cards that I own. 

I attempted both over the phone and online to request a free report ( AS PRESCRIBED BY LAW ) All that XXXX XXXX Equifax wants to do is charge me money for something that's supposed to be free. I will not under ANY circumstances give those XXXX one XXXX iota of my money. 

No method I have attempted for resolving this has worked. Meanwhile my score continues to decline without me having any mechanism to determine if it is due to fraudulent activity. ( Remember, these same XXXX XXXX XXXX away my information ) And heaven help me if there is fraudulent information and I have to go through these sorry sacks of XXXX to correct it. 

How can I end this continuing nightmare, that as you can easily see, gets my XXXX XXXX thru the roof? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I have been trying to save my home and to get approved for loan modification since XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. 

I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification.

After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and now state that they will not even look at a modification application. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX,2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX  XX/XX/XXXX, XXXX credit card XX/XX/XXXX, Kohl's/Cap One XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We received a letter in the mail from XXXX XXXX XXXX, XXXX/LoanCare dated XX/XX/XXXX. 
It stated that " FHA has recently announced new options for customers ' existing forbearance '', they had listed FHA COVID-19 partial claim and COVID-19 Loan Modification. It stated " These options do not require that you submit documentation for review, but we must speak with you first to begin the review process ''. On  XX/XX/XXXX, we called XXXX XXXX XXXX, XXXX/LoanCare at XXXX, to speak with them to apply, My husband talked to the representative and applied for the FHA COVID-19 Loan Modification, this required no paperwork the representative just needed to ask a set of questions. We answered these with the rep, then the rep said that is all they needed and that it needed to be reviewed by next department and then we would find out if approved  or not. Per the letter, approval of the FHA COVID-19 Loan Modification could take up to 10 days, but could be less. We heard back from no one for a week. We called back XXXX XXXX XXXX, XXXX/LoanCare at XXXX on XX/XX/XXXX. 14 days after it was submitted, this was overdue in the 10 days or less they said it should take. This day they transferred our call to the Loss Mitigation Department. The Representative in the Loss Mitigation Department told us that the notes in her computer say it was started but not completed so she completed it while we were on the phone, and put n a request to Loss Mitigation area that reviews to check our request. Then we heard nothing. Today, XX/XX/XXXX, we called XXXX XXXX XXXX, XXXX/LoanCare at XXXX. Got transferred to the Loss Mitigation Department. The representative that answered said that we have no application started and we needed to file that out and submit paperwork. We told her that we didn't need to do that as we have already been through the steps per the letter and we want to know when the approval is going to be  done. It should have been done 10 days after XX/XX/XXXX, we are now going on 24 days with hearing nothing. The representative was not very professional she got louder and she just kept saying that we need to apply and we have done nothing to try to apply. We asked for a manager ad she would not transfer us. The then hung up on us.

We need this approval to be completed. We did all that we were told to do for the FHA COVID-19 Loan Modification. Our Forbearance is  running out on XX/XX/XXXX. We were forced to extend our Forbearance to cover us for now until the FHA COVID-19 Loan Modification processes.

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 2018-02-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank recently completed a disastrous upgrade to their online banking. 

When I logged in to their updated website it showed incorrect contact information, specifically a XXXX area code phone number I previously requested be removed from my account over a year ago. 

I followed the process to update this phone number, but they sent a confirmation stating that my address has been changed. 

I spoke to a XXXX XXXX that told me this was just a generic message. However, I just got my most recent TD Bank statement dated XX/XX/2018 and the address has reverted to my old address. The XXXX phone number still appears from my account and they did not remove it as I had requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: IL
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.. My information was stolen and used for many accounts to get car and loans without my knowledge. I spoke with the credit bureaus and disputed this items numerous of time and they still remain on my credit report. This items are stopping me from getting the house that I need for my family. The Items still remain on my EXPERIAN.

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 2018-10-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi I Lease A Kia XXXX 2017 With Kia Fianance. Im Also In A Joint Lease With My Mother And Ive Recently Missed Some Payments Due To My Job Not Paying Me On Time. As Soon As My Job Paid Me All The Money I Was Owed I Paid My The The Bill. And Its Now Current. But As A Result Of My Troubles My Credit Score Was Negativly Affected And Ive Tried Reaching Out To Kia Moters Fianance Multiple Times To Fix My Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am currently in a lower payment plan with Navient, but in a month that is going to change. It took me months last year to get into a lower payment plan with them, as they told me I did this with them once. I explained to them I have other loans and they are not the only ones. I do not make a lot of money to be able to pay a lot each month. I am not sure as to why I have such hard time with company, as I know many people do. I originally had XXXX who was alawys such a help, until they sold my loan to Navient and I wasn't aware until I received bills from Navient. Is this allowed with out my knowledge? Since XXXX is still servicing loans? If I would have know having private loans would be so difficult to maintain or receive help from I would have never have gotten any. The school financial aid department DO NOT explain anything to students. I was XXXX when I started going to college and I was never explain such information, other them getting student loans is a great thing, which clearly its not. I do not know how people going into school now will be able to afford going and paying off loans. If i would have known now what I know then I would have never have went to school. I know Navient has a law suit against them, is their anything with the law suit that will help me? and is there any resolution to the law suit?? Navient is not a help at all, I would advise people to NEVER have a private loan and NEVER with Navient as they DO NOT help anyone and can careless. I have had countless conversations even with supervisors who told me that it is what it is and they can careless if I can afford the payment or not. I have tried so hard to get help in assisting paying these loans and their is nothing they will help with. Their customer service department is horrible and they are so rude, I've even been hung up on and yelled at. Please get back to me. 
Thank you

Company response to consumer: Closed with explanation