BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I trade in XXXX Nissan Atlima for purchase of XXXX Nissan Altima. Sale was finalized XX/XX/XXXX. As of today XX/XX/XXXX XXXX Atlima payoff loan has not been paid to XXXX XXXX XXXX. The payoff amount {$23000.00} which include trade in value XXXX negative equity of XXXX that was financed with new car loan. 

XX/XX/XXXX I was told check had been process and received by XXXX XXXX XXXX. 

XX/XX/XXXX went to Texas XXXX XXXX XXXX and I talked with XXXX in fiance . I asked XXXX, if XXXX Nissan Atlima payoff loan had been paid to XXXX XXXX XXXX XXXX because I received phone call regarding XX/XX/XXXX payement. XXXX stated, " he could n't answer that question because accounting was closed, that he would give me a call on XX/XX/XXXX regarding payoff ''. 

XXXX did n't call me until I called him and left messages. When XXXX return phone called, XXXX stated ; " that check was processed and receive by XXXX XXXX XXXX XX/XX/XXXX ''. 

XX/XX/XXXX returned to Texas XXXX XXXX XXXX regarding check being paid to XXXX XXXX XXXX for payoff amount of XXXX Nissan Altima because I received another call about XXXX payment from American Credit Acceptance. 

On XX/XX/XXXX I talk with XXXX in fiance he research some information, printed off some paperwork. XXXX then stated ; " he would contact accounting on Monday XX/XX/XXXX and give me a call. 

XX/XX/XXXX XXXX returned my phone, " stated that check had been processed and receive by XXXX XXXX XXXX XX/XX/XXXX '' for me to call XXXX XXXX XXXX to see why payment had not been process and applied to my account. 

XX/XX/XXXX I called XXXX XXXX XXXX regarding payment history update. Of course, I was told No check has been received from Nissan Motor Acceptance/Texas XXXX XXXX XXXX. 

I had been told different information regarding payoff for traded-in XXXX from personnel of Texas XXXX XXXX XXXX. This is very unprofessional business from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX. And these inquiries are not mine either : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
Equifax Refuses to issue my free credit report on line. Direct me to a toll free number.

Toll free number is attempting to charge me by credit card for free report.

Tried to obtain a direct c

all to a person Dial 5 ... per their instructions. Message says that this service is closed until further notice with no other explanation. Insisting that I send a application by snail mail in order to get my report. I spent a day trying to reach someone yet you allow them to ruin our credit with mismanagement. This is Equifax the same company that refused me several years ago. They also reduced my FICO score without sufficient cause. My credit is impeccable and has been for 50 years. No problems with XXXX  or XXXXn.
When are you going to resolve this companies many problems or shut them down!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: NCB Management Services Inc.
State: GA
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:
A request for verification was sent to NCB Management Service onXX/XX/XXXXwhich was received on XX/XX/XXXX Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted NCB Management Service via  telephone at XXXX XXXX and spoke with NCB rep at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the XX/XX/XXXX day, I informed NCB Management Service via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Citizens One Bank. Im at the end of my loan payment for 72 months never late. I have been paying more than I need to pay for years to get my loan paid down faster. On XX/XX/2021 my loan payment due date the loan principal was {$1600.00}. Since Im ahead on my loan payments my XX/XX/2021 payment was XXXX. However, I paid {$200.00} on XX/XX/2021. Now my principal balance as of XX/XX/2021 Billing statement is XXXX. {$5.00} was used for the interest. 

Then I looked on my Citizens One Web page and my bill has gone from {$1400.00} to now XXXX Principal balance. My next month payment was {$260.00} for XX/XX/2021. Now its changed to {$490.00} for the month of XX/XX/2021. Without my knowledge or consent with Citizens One someone reversed my payment of XXXX making the XX/XX/2021 to {$66.00} to my principal instead of my regular payment. With {$130.00} missing out of my account and I have not received a refund. 

I called on XX/XX/2021 to an agent who gave me a conformation number of XXXX regarding my issues. Then Hung up the phone one me soon after. Then I called back to Citizens One requesting a supervisor then I was transferred, and the phone call was disconnected again. Then I decided to file a complaint with the Consumer Financial Protection Bureau. I want my payment to be changed back to the principal balance of {$1400.00} with the {$200.00} payment I made on XX/XX/2021 billed to the regular payment. I'm still ahead on my loan payments. My loan payments are {$49000.00} a month. My last loan payment with Citizens One is XX/XX/2021. 
Requesting my bill to be reversed back to the Billing statement of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: BARCLAYS BANK DELAWARE
State: MS
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:
About 5 years ago I tried to clear up some inaccuracies on my credit report due to someone using my information and obtaining credit cards and such. XXXX and XXXX no longer has the information on file. I was just approved for a car loan and went to finish paperwork and then was told my information did n't match, so I went on line to get my reports. XXXX has 2 addresses I 've never lived before AND there is a credit card with a $ 13k+ limit that I have no knowledge of. It says I am a joint holder with a XXXX XXXX XXXX. That $ XXXX would have been my new car!!!! 
I have never known anyone by this name in my life. I am assuming one of the two addresses that are incorrect must belong to him. I have no knowledge of this person and have never had knowledge of him. The only way I found this information was by looking at my XXXX Credit Report. I called Barclay 's Bank of Delaware and they only wanted to remove the information. I want more than removal. I want this person to pay for using my information and being allowed to gain access to funds that I now can not to buy a car I desperately need!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BB & T are holding transactions in order to charge overdraft fees. On XX/XX/XXXX I transferred {$30.00} from savings to checking. I withdrew these funds at a ATM on that same day. BB & T charged me {$72.00} in fees the next day. It appears that the transaction at the ATM was held until the next day which made the account be in the negative. On XX/XX/XXXX BB & T charged me {$72.00} in overdraft fees, however I had a positive balance on {$1900.00} on XX/XX/XXXX. I had transactions that came through the account between XX/XX/XXXX until XX/XX/XXXX in the total amount of XXXX which left a positive balance of {$36.00} on XX/XX/XXXX. On XX/XX/XXXX I received an overdraft fee of {$72.00} for two items that were posted to the account two days later after the transactions were made. On XX/XX/XXXX BB & T charged me {$140.00} in overdraft fees due to items being held after the transactions were made. At the time these transactions were made the funds were available. On XX/XX/XXXX BB & T charged a miscellaneous fee in the amount of {$12.00}, this was also charged on XX/XX/XXXX. The account is currently in the negative {$82.00} for holding a ATM transaction and I was told that until it is resolved I could be subjected to a {$8.00} daily fee for the account being overdrawn. ATM and debit transactions are being posted to the account days later to reflect the account being overdrawn although the funds were available at the time of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A month ago I called Freedom Mortgage about refinancing my 30 year mortgage to make it a 15. I was recommended to just refinance my home at a 30 year loan for .5 interest rate lower at no cost. I said yes and then the next day decided no, I wanted to do a 15 year mortgage. I was communicating with the loan officer through email, so the next day I told him I changed my mind and I wanted more information on the 15 year loan. He didn't respond to my email so I emailed him again and he didn't respond. So I called Freedom mortgage to request a quote on refinancing at 15 years ... .they said they would send the information but never did. This happened 5 times, I called 5 times and talked to a person and they said they would send me a quote but never did. I even talked to management but I still have not received a quote. This has been going on for ONE MONTH. I have paid my mortgage on time for the last few years. I believe they are doing this because they know they will lose money and have no need to help me.

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 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
On XX/XX/2019, I mailed a debt validation letter to Bank of America, which is my legal right under the FCRA. I obtained proof that Bank of America received this validation request on XX/XX/2019. My validation letter was received by XXXX XXXX at XXXX XXXX on XX/XX/2019. I have attached both documents in this inquiry. According to the FCRA, Bank of America had 30 calendar days to respond to my request. Today is XX/XX/2019, and Bank of America failed to even respond to me, and is therefore in violation of the FCRA. They have to remove this account that they are reporting delinquently immediately from my credit bureaus because they are in violation of the law.

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 2019-02-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had apply for the income base repayment plan and was approved fro this type of loans but this year XXXX XXXX XXXX took my refund with out even talking to me about how i want to repay the loan or when can i start making payment and i really do need my refund i am homeless and was counting on that refund to found some were to stay

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 2021-06-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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:
I got a letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 with No return address and No fax number alleging I owed over {$15.00}, XXXX on a repossessed vehicle. The letter stated I had 30 days to dispute the validity of the information. 

On XX/XX/2021. I sent a letter by email and also by USPS, disputing the validity of the information and asking that proof of the debt be mailed to me within 30 days of my letter. I also informed them that according to the FDCPA, they - XXXX XXXX XXXX XXXX XXXX, can not continue any collection practices until this debt has been verified. 

On XX/XX/2021 I got a phone call from this number, XXXX. Turns out it was XXXX XXXX XXXX XXXX XXXX calling. The man on the line asked me how I wanted to pay on the {$15000.00} for the repossessed car. 

I told him I did not have any money and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Prosper Marketplace, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and two of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of one of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/19 XXXX i had returned the merchandise and they never sent me the exchange as well or a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received the following text message from this number XXXX ( XXXX ) XXXX pretending to be Citibank. 

Citi-Bank Alert : We have confirmed your recent telephone request to change your Online User ID. visit XXXX XXXX XXXX to report this action. 

Of course I ignored it. Please investigate this scammer. Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had paid off TJ MAXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. Tj MAXX was supposed to take off the derogatory mark and never did they promised me. 

It has also happened with XXXX XXXX and XXXX both paid off and still have the derogatory reports listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo closed my account due to a negative {$47.00} they claimed due to insufficient fees from XXXX credit card auto pay that I cancelled auto pmt over 4 months ago, the first XXXX od fee I went on ahead and paid and made deposit in act. Second time I contacted XXXX that I DID NOT authorize prior to it coming and they said they would research the PENDING TRANSACTION, a week later I received a notice in mail that I called after the transaction cleared. UNTRUE! WHats the purpose of a week research if the transaction already cleared? They are liars. I called about this 4 times as they refused to acknowledge and ignored. This bank will lie and fraud my act due to their incompetence so they can make extra XXXX fees. I informed them ahead of time and they still charged me two XXXX fees, keep in mnd this is the " ONLY '' transaction coming thru this checking in THREE MONTHS as I planned to close and informed them of this! They closed the account per notice and placed me on a bad check list. NOT FAIR, they have no right. Just like they opened 2 additional acts without my authority as I am a party of that law suit and NOW THIS. Not to mention how they illegally tried to make my mtg pmt behind about 8 years unitl I called HUD as they researched and they had to correct my account. I am sick and tired of the unfair treatment and bogus statements!. I have a mortgage and they closed my user id and password so I dont even have access to review my mortgage. ALways iussues with these people causing fraud transactions.

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 2022-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, I was locked out of my mobile banking access, I tried logging in to the actual website and my access has been locked. I got a message to call USAA and speak to a representative. I was out on hold for 3 hours and no one from USAA answered my call. I was disconnected after 3 hrs and 40 minutes wait. I tried using my ATM card to pay for gas and my card got decline. I have over XXXX  balance on my checking so there should be no reason for my card to get decline. 

XX/XX/XXXX at XXXX XXXX, I called the debit card 24/7 customer number, the automated system could not verify me and was transfer again and was put on another 3hr wait time. No one answered. 

XX/XX/XXXX at XXXX XXXX  I called USAA again to asked why I cant access my funds, I was transfer again for another 3hr wait time. I cant purchase any gas for my vehicle and I cant but food and diaper for my children. I have a total of XXXX in my account and I cant access them. I dont know what to do since I dont own a credit card. All my utilities are due this week and all of them are tied into my debit card which XXXX cant access. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation