BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Recently tried opening a new checking account for myself and was flagged by XXXX XXXX XXXX XXXX. They sent me my report which states i had fraudulent activity from Bank of America in 2016. I have never had my own BOFA account. During that time i was caring for a elderly family member i had a power of attorney to deal with all activities. And went into rhe local XXXX XXXX NY branch to be added to her account and the branch manager gave me a hard time and did not want to except it. This is hurting me from opening my own accounts. It needs to be resolved with bofa so i dont have to seek legal counsel.

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 2021-06-21
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERASSIST plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Santander Consumer USA Holdings Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by Santander Consumer USA account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for Santander Consumer USA, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by Santander Consumer USA, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15
Company: BANK OF HAWAII CORPORATION
State: GU
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of a XXXX injury ; I am unfortunately faced with financial hardship which encompassed having difficulty in paying for my daily necessities, medical bills and various other financial obligations. This hardship came unexpectedly and even with the use of my wife 's income and the financial assistance of family members ; I simply ca n't make ends meet. After seeking medical treatment on XXXX from several doctors ; I was diagnosed with XXXX XXXX XXXX. Unfortunately, the XXXX needed was not available on XXXX I had no option but to seek medical treatment in the XXXX. I was seen at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. <P/>There I underwent numerous evaluations that included the following : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and an XXXX XXXX. ( The medical receipts have been included with this packet ). I was XXXX during the preparation as well as after the XXXX for several days. From there ; I was given clearance to be discharged and allowed to return to the hotel. I was however ; prohibited from leaving the country for an additional week due to possible XXXX. Upon returning to XXXX, I presented the XXXX XXXX XXXX the doctors approval to return to work. <P/>As of XXXX 2017, I have returned to the job however ; my salary was reduced significantly. <P/>Due to the situation I fell behind 7 monthly payments ( {$12000.00} ). Since my reemployment I have been making regular monthly payments ( {$1800.00} ). Bank of Hawaii 's resolution was to lower the monthly payments for a period of 3 months and at the end of the 3 month period ; I had to pay in full for the entire 7 months owed in order to avoid foreclosure on my home. They also offered a second option of paying double each month to catch up with the payments. I have informed them that this was an impossible task as I do not have the required funds. <P/>I would greatly appreciate any and all assistance or guidance you have to offer that would assist me in keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2018 : I entered a debt modification program through XXXX XXXX XXXX of XXXX, AZ. 

XX/XX/2018 : I made my monthly car payment of XXXX to Capital One Auto Finance. 
. 
XX/XX/2018 : Capital One Auto Finance debited XXXX from my bank accout as agreed. 

XX/XX/2018 : Capital One Auto Finance reversed the payment. 

XX/XX/2018 : Capital One Auto Finance sends an email advising my payment was late, warning me of extra fees ans charges. 

XX/XX/2018 : I again make a payment of XXXX to Capital One Auto Finance. 

XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I fax Capital One Auto Finance a cease and desist letter, providing evidence that my payment was made on time and then rejected for what I assume is my association with XXXX XXXX XXXX. I include a copy of CFPB XXXX XXXX and advise them they are in violation of the XXXX - XXXX XXXX per the CFPB Bulletin. 

XX/XX/2018 : Capital One Auto Finance again debits my bank account as agreed for XXXX XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I've made a payment XXXX, making my account current with Capital One Auto Finance, a day before my XXXX monthly payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had disputed an amount for airline tickets because my flight was cancelled by XXXX XXXX. After months of faxing the supporting documents for my dispute, I was finally issued a credit on my account for the amount disputed in XXXX. Today, I received another letter, stating something different ... that there has been an update on the account and the update states that I was issued a courtesy credit instead of a credit because so much time had passed since my initial dispute ( due to Chase taking several months ). The Update states that the account of courtesy credit will now be sent over to the IRS as forgiven debt and I will have to pay taxes on {$4000.00}. I had a long conversation with LiWay tonight who advised me there was nothing Chase could do. Please advise on how to proceed. I dont believe I should have this tax liability on a trip that was cancelled by XXXX XXXX back in XXXX. Thank you, in advance for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: Experian Information Solutions Inc.
State: LA
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:
There are many mistakes appear in my report without my understanding.

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 2020-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX I suffering from memory loss and XXXX recently divorced husband left me with the house. Im on a fixed income and I apply for a modification however this company SPS denied my modification. They forced me info a forbearance when I thought my second mortgage would be modified. Also Im have issues because of covid because i am high risk. They continue to report late payments to the credit bureau to purposely harm me even though Im making payments. I was able to modify my first mortgage however XXXX put me in this horrible forbearance without my knowledge and will want full balloon payment in full in XXXX of almost XXXX dollars in which Im on a fixed income and will have no way of paying. XXXX not trying to help me they just set me up for failure Please help anyway you can as if i was modified I can pay all my payments on time. Im in and out the hospital XXXX days a week because of my XXXX conditions.They refuse to work with me. Seems they are more interested in reporting derogatory information to the credit bureaus that helping me in my situation..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There are a few problems Late Fees - I attempted to get a waiver on a late fee via customer service back on XX/XX/2018. I missed my payment by a day and apologized. This was my first time ever being late and asked for the fee to be removed. I was told no. Generally with most cards they will waive a late fee. 

Charges - There was a recurring charge that I notified them on in XXXX that should not have been approved. This charge caused my account to go over the limit. I notified them in XXXX via email to not approve any charges while my account was over the limit they continued 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 monetary relief
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
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:
Thank you for reviewing my complaint.     Today, I attempted to make a {$40.00} purchase with m y Citi Simplicity c redit card. Before doing so, I checked my account onlin e. Citi 's  website advised me I had {$180.00} of available funds, as shown in one of the attached screenshots  ( " Citibank Available Credit Display '' ).   <P/> Citi 's website also presented a screen informing me that my account payment was past due ( see the screenshot "  Citibank  Account  Past Due Display '' ). Citi re quested a {$40.00} payment. ( It is coincidence that both my intended purchase and Citi 's requested payment were {$40.00}. ) Strangely, though, the website advised me that the payment would be due   XXXX   XXXX   -- nearly a month from today.  <P/> Critically, neither the past-due page nor the account information page made any indication that I would need to pay the past-due amount in order to access my {$180.00} of available credit. However, when I attempted to make my {$40.00} purchase, my card was declined. I called Citi. A representative explained that, because my account was past-due, I would need to make a payment before accessing my available credit. The representative said that my past-due amount was, in fact, {$20.00}, with the additional {$20.00} due   XXXX   XXXX    <P/> I have two specific complaints : First, and more importantly, if Citi reports to a client that he or she has a certain amount of credit available, the bank should not simultaneously block the client from accessing that credit. To report a certain amount of available credit but block access for reasons other than suspected fraud is misleading and could leave clients without access to funds they reasonably expected they could use. At the very least,  Citi  should make abundantly clear, up front, that it will deny access to available credit until a required payment has been received.  <P/> Second, Citibank should make clear exactly how much payment is required to satisfy a past-due balance. A reasonable reading of my account information page suggests I owe {$40.00} on   XXXX   XXXX  , with no indication of how much, if any, is actually past due. This engenders confusion : I might either conclude no amount was actually due already, given the listed   XXXX   XXXX   due date, or I might mistakenly believe I am {$40.00} past due ( in fact, my overdue payment was {$20.00} ) and thus pay more than necessary. Were the listed due payment much greater, I might needlessly put myself in financial hardship to pay what wrongly appears to be a past-due amount.  <P/> Thank you again for reviewing this complaint. I appreciate your consideration.

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 2021-08-07
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$870.00} amount has been posted by XXXXXXXX XXXX XXXX Visa Card since XXXX as a debt owed to Company. Twice I have responded to the company and all three Credit Bureaus and was resolved due to identity theft on my report. It was deleted from my report in XXXX after filling a complaint. I have also spoke with the collection agency on several occasions about this continued problem which seems to never go away. This Company continue to use a different agency from XXXX XXXX on many occasions to update balance by reporting it as a current active account which I have never sent any payment or acknowledge any debt by me. I am constantly appalled by their different tactics used to sabotage my credit report even after declining the existence of any relationships with the company. 
Their blatant and irresponsible behavior continued to affect my score and rating anytime this reporting occurred or when I am trying to obtain a loan or services for my family that this account showed up on my credit reporting as current debt. 
As of XX/XX/XXXX, it was reported or posted again as a delinquent account until XXXX, XXXX. What else do I need to do with this company for them to continue to harass me and my family. Never conducted business with this company and do not know or have any legal or binding contract with them, neither did I signed any financial document nor agreed to do business with them in XXXX. This is not funny anymore!! 
I like this removed from my credit report permanently and not when it is convenient for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient is the company ( previously Sallie Mae ). The  loan was taken out by the primary borrower in 2007. The primary borrower for this loan has made over 100 payments since the inception of the loan. Both the primary borrower and myself ( the co-signer ) over several years have previously contacted Navient ( previously Sallie Mae ) requesting removal of co-signer from the account. Navient ( and previously Sallie Mae ) customer service had stated on multiple times to both the primary borrower and myself ( the co-signer ) that the co-signer would be removed from the loan after 12 consecutive payments. The primary borrower has made 12 consecutive payments 8 times over and they still have not removed me from the loan and continue to erroneously place late payment status on my credit report which I repeatedly dispute. The primary borrower has made over 100 payments to this loan. The co-signer has made none, not once since  inception of the loan 11 years ago. The primary borrower has show the capability to pay for this loan more than 100 times. Additionally, when the primary borrower recently contacted Navient to make payment arrangements which Navient agreed to, Navient chose to place a 60 day late payment report to my credit account and then a 90-120 day late report consecutively which has caused a drop in my credit score of over 30 points. This report of late payments is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried on numerous occasions to try  to set up a forbearance account with Fay Servicing and I even tried to do a loan modification with Fay Servicing, but  I was consistently given the round around. Even on  XXXX   XXXX ,  XXXX , I submitted my application to them and I was consistently given the round around by the accou nt manager. Time after time, I emailed the account manager giving them the required documents e ven though I did that in my first application with them, but they wanted more and more documents that were even the required documents. They were delaying time because even time I sent them more and more information they said it took time to process. I had to constantly send in documents and I was on the phone many times and still did n't receive a positive outcome. I did n't even receive an outcome of whether I was going to receive a loan modification or a forbearance. I was hung out in limbo. I did n't even know that the account was switched to them because I had another loan servicing company by  XXXX   XXXX   XXXX  that I was working with from  XXXX   XXXX  to  XXXX   XXXX , but even with them there was no result. No w Fay Servicing  has me dealing with the Foreclosure program in  XXXX , NJ due to them not working with me. I have a feeling that the intention o f Fay Servicing was for them to not work with me and make an attempt for me to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied the American Express XXXX XXXX  credit card at XX/XX/2018. According to the advertise of this credit card, I should be able to Earn XXXX XXXX XXXX  Bonus Points as welcome bonus after you spend {$2000.00} in purchases on the Card within first 3 months of Card Membership, and I am charged with {$95.00} membership fee.

However, after I spend more than {$3000.00} in first 3 months, I didn't get XXXX XXXX XXXX  Bonus Points. I call the company and I am told that the welcome bonus of XXXX XXXX XXXX   Bonus Points was rejected when the card was approved at XX/XX/2018, without any notice to me. I am not informed with this rejection till recent and I spend a lot of money on this card after the card is approved. If I was noticed the rejection of the welcome bonus, I will not use this card last year.

I already call the American Express twice to solve this issue but they refuse to refund me the XXXX XXXX XXXX XXXX  Bonus Points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Capital Link Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are sending text messages to a company cell phone. It had my name in the text and is showing an apparent amount owed. I have not spoken to anyone regarding such debt and they are basically texting not only a random number but a number for a company cell phone potentially exposing sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: PRESTIGE FINANCIAL SERVICES INC
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, I was notified that my wages are going to be garnished by the XXXX County Sheriff for a debt that is not mine, and for which, documentation submitted to the company on the court date in XXXX shows that the reported debt is not mine. 
Prestige Financial Services , Inc, made threats and were aggressive with their collection practices even after proof had been submitted that the debt was not mine. The owner or representative reported they were going to sue and did not give a XXXX what papers I had, because he was going to get his money. 
This is for a debt on a XXXX that was obtained prior to my XXXX in XXXX. In our XXXX decree, which was signed by XXXX XXXX on XX/XX/XXXX, Page 7 states, The wife is ordered to pay the following debts as or before they become due and hold the husband harmless for any further liability concerning these debts : Prestige Financial, XXXX XXXX. 
My ex-wife filed for bankruptcy after our divorce and the debt was discharged in her bankruptcy. On XX/XX/XXXX, the case was renewed and Prestige has again stated I am responsible for the {$15000.00} debt which includes fees and interest, despite their lawyer receiving the proof in court, that I am not responsible. I have now been served with an order for garnishment and my paycheck is being garnished approximately {$500.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: MARINER FINANCE, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I enrolled in a debt consolidation program and one of the creditors i added to the program keeps calling my cell phone and my work phone. I have not been available when they have called at work but they have left messages and today they said that a warrant in debt has been issued for me. I have mailed a stop payment letter and the debt consolidation company has been in contact with them

Company response to consumer: Closed with explanation