BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-07
Company: BARCLAYS BANK DELAWARE
State: HI
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:
I previously opened  Barclay Card Gold Luxury Card  and   XXXX   XXXX   credit card products during   XXXX   XXXX   XXXX   As part of the beginning of my banking relationship with  Barclay Card , I chose to apply for servicemember benefits being offered. At the time, I was appreciative that  Barclay Card  was providing myself and other  XXXX   XXXX  servicemembers with benefits that exceeded what the Servicemembers Civil Relief Act requires. These benefits included, among other things, transaction and annual fee waivers and 0 % interest fees. When  Barclay Card  approved their benefits, they made it very clear through a letter mailed to my address that the benefits outlined would be afforded to me throughout the duration of my  XXXX   XXXX  service. There was no such language in this correspondence that indicated that the benefits being extended would be rescinded at any time prior to my separation from the military.     In  XXXX  of  XXXX ,  Barclay Card  delivered a letter to my residence stating that an annual fee waiver would no longer be extended to me, despite previous written correspondence to the contrary which indicated that an annual fee waiver would be provided for the duration of my time on  XXXX   XXXX . While I understand that  Barclay Card i s stating that I am not covered under the  XXXX  since I opened the card after entering  XXXX   XXXX , I disagree with that premise for the change in terms.  Barclay Card  offered the servicemember benefits in excess of what the  XXXX  required and to members who had already been on  XXXX   XXXX  service previously as a matter of company policy and not as a result of being compelled to do so under the  XXXX . While I understand that company policies change according to the prerogative of the company,  Barclay Card  should have considered the verbiage of correspondence to customers prior to the policy change in determining how it would proceed with customers covered under prior policy. It seems that the termination of benefits offered to servicemembers under the previous company policy is in bad faith after review of the correspondence from  Barclay Card  and the associated policies, both past and present.

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 2015-07-29
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have an excellent FICO credit score of XXXX and made an initial down payment of almost half the total value of the vehicle. Regardless of my good credit and down payment the creditors at XXXX Honda of XXXX still denied me the lowest APR available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Omega RMS, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
OMEGA RMS LLC , continues to use  alias o f my name to continue a collection that was settled on  XX/XX/2016    with another company representing   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX  just sent another letters stating account has been paid in full but if disputed the account will be reopened.     First : thing the name is incorrect  XXXX  not my name spelling.   Second :  Letter is  an UN-officall letter and an poorly attempt to reactivate account by committing a illegal predatory and purposely done I will consider this an act of fraud. I will be seeking any Criminal Avenues open to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Santander Consumer USA Holdings Inc.
State: OH
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 have reached out to the company  3 diff erent times requesting the information from the car being sold and for proof that they are reporting the correct payment amount. Before the car was picked up I found out the car had a savage titled I reached out to the lender of the car they basically told me there was nothing they could do about it and I had to take the lost. I could n't trade the car in. The motor than went on the car so I was unable  to drive th e car for months before they got the car. I than was told serval different amounts the car was sold for on each call. I have been requesting proof since  XXXX    XXXX   and I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to the company with certified letters requesting proof of amounts owed. Prove the amount reporting is correct and the company will not send me anything back.

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 2016-08-01
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX my son bought a car from Honda, which I co-signed. His first payment was n't due till XX/XX/XXXX. XX/XX/XXXX thru XX/XX/XXXX his payments were on time. As of XX/XX/XXXX he started missing payments, NSF & late fees started being assessed. I did not find out about the NSF 's until XX/XX/XXXX. My son was feverishly trying to catch up. I took over the account in XX/XX/XXXX after having brought the account current with only {$100.00} late fee due as of XX/XX/XXXX ( per my calculations ). Per my calculations, the payment of {$500.00} made XX/XX/XXXX was an overpayment. Even if they would had taken the {$100.00} out of this payment I still would have had an overpayment of {$390.00}. Everytime I call Honda Customer Service the reps summarily state " there were NSF 's and late fees. '' No one seems to be able to go over the transaction history line by line to discover the error. I 'm a month ahead at this point. I need a competent person with accounting background to go over my transaction history line by line ( simple adding & subtracting ). 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: SYNCHRONY FINANCIAL
State: CA
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:
For at least one year (  XXXX     2016 )  Synchrony Bank  ( Walmart   MASTERCARD   )  has been charging me a fee for credit protection. I never applied, requested or authorized this. I called them and they offered to refund {$200.00} when they have charged a minimum of {$850.00} to my account. This is fraud as far as I am concerned.

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 2017-05-07
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: Account information incorrect

Complaint:
XXXX   XXXX  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .  FEMA  had  XXXX  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in     XXXX   XXXX     the property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien / XXXX   was wiped out at  FEMA  foreclosure.  XXXX  sold the loan to  XXXX   XXXX  as a mortgage. We do not owe them anything. A simple title search by  XXXX  would reveal this. I have made  over seven diff erent phone calls to  XXXX   XXXX  over the  last two mo nths and they refuse to discuss it with me and th e manager has  refused to return my call.  XXXX  has no lien. They NEED to do their own title search & that alone will show them that the loan they purchased was wiped o ut by FEMA  foreclosure    X/XX/2014    due to it being i n a Jr. lien position. I do not own the property nor is this loan a mortgage.

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 2017-05-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported fraudulent inquiries for my Equifax credit file to Equifax. I promptly received a response from Equifax stating : " We have reviewed the inquiry information for  XXXX   XXXX . The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''.     I contacted  XXXX  was told they have no record of the inquiry nor do they have any record to investigate.     I would really like to know what they have done to investigate the inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Fay Servicing, LLC
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: Account information incorrect

Complaint:
Fay Servicing  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .   XXXX   had  1st  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in   XXXX    2014 t he property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien/DT was wiped out at  XXXX  foreclosure.  XXXX  sold the loan to  Faye Financial  as a mortgage. We do not owe them anything. A simple title search by Faye would reveal this. I have made ov er seven differ ent phone calls to  Faye Servicing  over the la st  two  m onths and they refuse to discuss it with me and the  manager has refused to return my call. Faye has no lien. They NEED to do their own title search & tha t alone will show them that the loan they purchased was wiped out by  XXXX  foreclosure  X/XX/  2014 d ue to it being in a  Jr. lien  position. I do not own the property nor is this loan a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a graduate of XXXX in XXXX, NY. I have XXXX private loans services by Navient. They loans have now entered repayment and the total due monthly is about {$730.00}. In tandem with my federal loan debt obligations, these payments combined with my housing costs consist of 85 % of my monthly income. It is unsustainable for me to possibly keep up such high payments. Upon calling Navient, I was informed that only XXXX of my loans was eligible for a temporary reduction ( 12mos ) after which my payments would become even higher than they were originally. I was told that my other loan could not be reduced because it was disbursed before XXXX XXXX. I requested more information about this " XXXX XXXX '' deadline and only received repeated answers, " it was disbursed before XXXX XXXX '' and no other explanation. I attempted to explain the financial hardship these payment costs placed on me but was met with indifference every step of the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 'm three days away from defaulting on my loan. For the past 6 months I 've tried to work with my provider to keep up payments and they have n't been helpful. I received advice from a service rep to allow my account to go into collections after XXXX months to receive more options for help with my loans. This has not been my experience. No help or alternatives were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: DISCOVER BANK
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:
During th e    XXXX   XXXX    2017 i had  an inquiry placed on my  XXXX  credit report. The  Unauthorized Inquiry was placed by Discover  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  Discover with no results. Discover denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Aspen National Financial, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling my home and cell repeatedly at all hours insisting that I pay {$200.00} plus dollars more than I owe for processing fees, when I offered to pay what I had and thought that I owed, they refused to take my payment and continued to call multiple times a day. My husband tried to make a payment plan and they again refused to take partial payment insisting on more than we could afford, even though I explained that my husband had suffered a XXXX XXXX and is now a XXXX XXXX veteran and we are trying to recover financially. They call my home and XXXX of our cells repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Only XXXX XXXX, 2015, I ordered furniture through Macy 's that was special order which came with a fee of {$480.00}. Then on XXXX XXXX, 2015, I cancelled the ordered and went with the furniture that was n't special order. I was told by the company that I will receive a full refund of {$480.00} within 3 business days. I have called several times and spoke to my sales person and several supervisors at the Macy 's credit department and still I have n't received a credit on my account. Many of the supervisor indicate that they will call me back but do n't. They are n't answering my calls when I call them. I have sent XXXX emails, I have called approximately XXXX times and spoken to XXXX supervisors and each XXXX state it will be credited on my account within 3 days and nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-07
Company: EQUIFAX, 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:
During the XXXX XXXX, 2017 i had an inquiry placed on my XXXX credit report. The Unauthorized Inquiry was placed by XXXX while i was in XXXX XXXX. I never authorized this as why i disputed it both by telephone and online with XXXX with no results. XXXX denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The client 's identity was stolen and as a result a credit card was opened with Citi. The client did not sign an application for credit nor did he ever produce any identification for said credit card. Citi was notified of the fraud by the client who is a XXXX and does not speak english. Citi is attempting to make the client obligated for a credit card which was obtained fraudulently. The borrower did not understand the process nor understand Citi 's attempts at making the client liable for the fraudulent account. The client has hired an attorney to assist him with the fraudulent account. Citi has been notified to contact his attorney for all necessary dispute process. Citi mortgage must investigate the true identity of the person who applied for this account as the client did not apply for said card. Credit card amount issued was approximately {$8000.00} only and the client is receiving collection notices with an amount of {$21000.00}. Citi is continuing to hold the client liable for a fraudulent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: EQUIFAX, 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:
During the  XXXX   XXXX ,   XXXX   i had an inquiry placed on my  XXXX  credit report. Th e Unauthorized Inquiry  was placed by  XXXX  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  XXXX  with no results.  XXXX  denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove 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 non-monetary relief
Consumer complaint received 2015-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America just charged me {$35.00} overdraft fee for less than 24 hours when my bank account was negative {$1.00}. That 's a lot of interest for an extremely short term loan on a dollar. When I called to try to get them to refund me, they told me they already had refunded me once in XXXX and therefore they could n't do it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: BARCLAYS BANK DELAWARE
State: OR
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:
On about  XXXX   XXXX  i had my   XXXX   XXXX   account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the  XXXX  of  XXXX  that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for  XXXX   XXXX  then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  100  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at hav ing 100 percent  history and never make min payment for 8 years for this to happen over   XXXX   XXXX  t mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  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