BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am the co-signer of my Son 's student loan from Navient. My son applied for and was granted a reduced rate payment plan. However, Navient was still reporting past due payments. I contracted Navient and spoke to their agent XXXX XXXX where he discovered that the accounts were still reflecting the old rate not the reduced rate. I spent an hour on the phone with him as he corrected the accounts and got them up to date and paid in full. He said everything was corrected and no monies or further action was required on my part. Going forward Navient reported to all XXXX credit bureaus that the XXXX accounts in question where 60 days past due and all XXXX of my scores took a tremendous hit and went down close to XXXX points. I 've made numerous phone calls to Navient beginning in XXXX to explain and they conceded that made an error and would retract the 60 day late payments made to all three credit bureaus. I 've written them letters asking them to investigate as 60 days late is still showing on my credit reports. Friday XXXX XXXX, Navient sent me results of their investigation saying the 60 days late is accurate and will not remove it from my credit reports. Between the taped phone calls and typed phone transactions with several agents it will prove my version of events is true and accurate. I am appealing their decision once again, however, I fear they will give me the same results. I really need your assistance as I have no idea how to proceed to have their wrong righted on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit report to purchase a home last month. I never checked this prior to now as I was n't getting any loans. I found that XXXX was reporting a credit card I have never opened nor used. I have disputed the charge with XXXX of the reporting agencies twice now. On both occasions they reflect updated. I have yet not been provided with any proof that I in fact was the opener of the account. The only history is the total amount due and a few dates. There are discrepancies on each report in dates and payments. My lender suggested I offer to pay this fraudulent debt to have this negative account ( I have zero knowledge of ) removed from my credit reports. XXXX refused to accept a payment to satisfy the account while still refusing to provide any information to prove in fact that the account was opened by myself. When this account was open I was also the victim of bank fraud with my local XXXX. I had airline tickets purchased in my name without my consent. I never imagined someone would have been able to open a credit card as well. The TransUnion Report reflects that in XX/XX/2014 a payment of {$35.00} was made. All the other reports show zero payments. The TransUnion Report also shows last payment made XX/XX/2014. XXXX shows a contradiction with a date of XX/XX/2014. The XXXX Report shows account closes/charge off on XX/XX/2014 TransUnion Report shows date close/charge off on XX/XX/2014. XXXX has a duty to to give me a written response within 30 days to prove validity of account.

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 2015-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
Capitol One is unable to verify information listed on my credit file. I spoke to XXXX representatives at Capitol One and neither one was able to verify the information being reported by the XXXX CRA. On XXXX/XXXX/15 aprx XXXX. I called Capitol One at XXXX .Customer Service Rep XXXX Stated he was not able to verify any old statements or verify the date of first delinquency. On Monday XXXX/XXXX/15 a Customer service rep stated I would receive a return call from Capitol One to discuss the account the next day. I was not contacted by anyone from Captiol on

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland funding was XXXX company to buy bad debt, there legal agreement purchase was signed on XX/XX/XXXX13.There paper has many dates on it looks like a roto copy but no signature until XXXX/XXXX/13 Midland turned me into the credit bureau on XXXX/XXXX/13. They did not wait to send me a notice or to verify the account was mine. They also filed a judgement against me and I was never notify they where going to sue me until i was served

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I believe in the State of Delaware Sunday collection calls are prohibited on Sunday 's. I received a call this morning at XXXX which according to your website is legal to call after XXXX although it is Sunday morning and I was having breakfast with my family and when I answered they hung up. I googled the number and it was Midland Credit they called from XXXX. Not sure who or why they were calling but it is Sunday morning have some respect for consumers and their families.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have student loans from Navent. I am XXXX and only have XXXX income. I have been out of school for at least six+ years. I have attempted for YEARS to find help in any way to assist me with figuring out these loans. Everytime I have spoken with Navent they say they will send me information on program assistance or forgiveness for these loans and then they connect me with a recording that you have to agree to some kind of forbearance ... which honestly I do n't really know what that means for my loans but if I do n't agree they continue to keep coming at me for the loans with multipal calls per day from XXXX to about XXXX 7 days a week from all over the US. I have requested these so called assistance paperwork many many many ... times in these 6+ years and have yet to see any information for this. I only receive bills. I only went to school for about 3 quarters and my loans were under {$12000.00} well my latest principal is now {$24000.00} with a current payment due of {$1100.00}. I do not know how to actual figure this assistance out because I have just been told the same thing everytime ... they will send me paperwork and I need to do this forbearance each time. My income from XXXX is only about {$800.00} and that is before my Medicare premium. Please help me or let me know what I am suppose to do to actual resolve these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have filed previous complaints here on this issue, and I amrequesting these be taken seriously. This is not a repeatcomplaint, but an effort to show cone Consumer ProtectionFinance board how companies, and this company does notcomply or care about complying with the various consumerprotection laws, nor does it even take complaints made hereseriously as they continue business as usual. All I have beentrying to do is get a line by line reconciliation of this account, and all American Express does is state it is correct, and weare wring, in spite of the fact we have sent them actual spreadsheets to prove we are correct and they are wrong, We havebeen trying to get this resolved since XXXX, 2013, AND allthat happens is every sixty days, our dispute is removed andwe must reinstate it. And now it is happening every thirty days and we are threatened with bad credit reporting, told we arein breach of contract and the issues are never addressed at all, except to say they are right and we are wrong ; and therefore, the issues are resolved, which they are not!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
CASE # XXXX ( MORTGAGE LOAN # XXXX ). 
The response letter dated XXXX XXXX, 2015 from HSBC/XXXX XXXX did not address the problem raised by me. The form for " payoff '' claimed to be mailed XXXX/XXXX/15 by XXXX XXXX and also mailed by XXXX XXXX XX/XX/2015..none of those was ever received. XXXX XXXX, 2015 spoke with XXXX XXXX, who said she was awaiting the return of UNDELIVERED MAIL TO ME. Failure to provide copies of those XXXX pieces undelivered mail with notations by Postal Carrier on envelope citing reasons. 
Failure to also address XXXX XXXX questioning my ability, comparing me with others who may have failed to " payoff '' after receiving statement of high payoff amount. My response to her " why comparing me with others '' ..all of these conversations by phone 'recorded '' for records. She went beyond her bounds questioning my payoff abilities. 
I am claiming a refund of interest {$39.00} for HSBC/XXXX failure to promptly provide the " payoff '' info requested ... that took me XXXX different times ( XXXX by letter/note, XXXX by phone calls. 
XXXX XXXX XXXX 's XXXX XXXX, 2015 letter stated " late fees " in amount of {$42.00} assessed with transaction code # XXXX. Since establishing this HELOC, I was never late making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
American express reported 30 day late payment on my credit report for XXXX 2015 and XXXX 2015, when I actually paid for both months on time and in full balance. I requested amex to delete these inaccurate payments but got several auto generated letter stating that it was not their fault. Even after they sent me statements for the month of XXXX which showed a credit of {$38.00} so no payment was due at that time due to the fact that i overpaid the account. For the month of XXXX I made XXXX payments, only XXXX was posted on XXXX which is way before the due date for the month, the XXXX payment was lost by them and was not credited to my account till a couple of months later SEE ATTACHED STATEMENTS SHOWING PAYMENTS RECEIVED ON TIME AND SEE ATTACHE PROOF OF PAYMENTS MADE TO AMEX AND REMOVE THE WRONGFUL LATES REPORTED FOR XXXX AND XXXX OF 2015 IMMEDIATELY!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
In XXXX XXXX, I lost a loved one so I had friends and family send me money to help pay for the funeral. Every single person who has sent me funds, I have sent money back to them. During the first week of XXXX I looked through my statements to see if I have missed any uncleared payments, I then realized XXXX transactions which caught my attention. The XXXX transactions I did not recognize pulled {$200.00}, {$240.00}, and {$300.00} from my account on XXXX XXXX, 2016. I then notified American Express on XXXX XXXX regarding these transactions but first I told them I would like to double check all of my paperwork just to see if it was just me making mistakes. I then contacted AMX on XXXX XXXX, 2016 to notify them that these were unauthorized transactions and were clearly not my doing. First of all XXXX of the transactions were sent to XXXX seperate people with the same last names and the last transaction was done after the first XXXX transactions. AMX clearly walked me through in changing my entire account information which I was grateful for. I was then promised to wait XXXX48 hours and I should be receiving a notice through email or a phone call regarding the status. Every single day I have called American Express and they have been giving me the original routine as in " follow up ''. It is now XXXX XXXX, 2016 and I have no received a single email or phone call regarding my case and I have called around 30 times already, spoke with countless managers supervisors and customer service agents and they all told me the same thing. " within 10 business days if we need more time we will grant you provisional credit until the case is solved which can take 45 calender days ''. Never happened.. As a consumer I know my rights, within XXXX10 business days if a bank needs more time you are supposed to be granted provisional credit until the investigation is completed, this is also known as Regulation E. Until today it has been 21+ days already and I have not received any email, phone calls, messages regarding my dispute. As a single parent, when a person is promised to at least an email regarding lost funds, that person will check up on it. It 's a human instinct, and how I even got into this situation is just really unfortunate. So please if possible I understand it may take days for me to get my money back, but in reality all i am really just asking for is a email regarding my case, a " XXXX we have received your notifications and we are currently working on your case '', A simple email or message like that is all I need at the least to be honest with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was issued a civil suit from XXXX. I XXXX and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX unauthorized charges totaling {$250.00} appeared on my Citicard statement in XXXX, 2009. I timely filled out and submitted all the bank 's dispute forms. The bank kept sending me duplicate forms, which I also submitted. Ultimately, the bank denied me the credit I had sought, falsely claiming that I had authorized the charges and that I had failed to file the proper dispute forms on time. I have a thick file on this matter, as I escalated my dispute to the XXXX Attorney General 's Office, to the U.S. XXXX ( who stated it had no authority to assist me ) and to the XXXX , Inc. ( USA ). Feeling frustrated and abused by the bank, I refused to pay the bill, which eventually increased to more than {$500.00} from the imposition of service charges and late fees. Worse still, the debt seriously damaged my credit score which has caused difficulty for me in obtaining bank loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Dear CFPB : My Citi bank credit card was stolen and I informed Citi and they did remove some charges but not all of them. They keep sending me a new bill with late charges and interest. I spend a lot of time on the phone with them to clear up this problem. They told me their fraud department is slow. I stop using the card and asked them to cancel the card. 
Could you please help me clear this up? XXXX XXXX XXXX Card # 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 monetary relief
Consumer complaint received 2016-02-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX I reported XXXX fraudulent charges on my Citibank card, and was told I would not be responsible for the fraudulent charges which would be reversed in 3-5 business days. XXXX were reversed in two days. The third is still on the account. I have spoken to XXXX representatives over two weeks, including representatives from the " Fraud Department '' and the " Billing Disputes '' department. I have been given three dates by which I was assured the charge would be reversed ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I have been told I need to speak with the " XXXX Department '' but could not be connected to them because they were " very busy ''. I was given XXXX different phone numbers to call the Security Department directly, however all three are always busy at all times of the day. In five more business days, the fraudulent charge will start accruing finance charges, in which case I will have to fight to dispute those charges in addition to the original fraudulent charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I defaulted on a Macy 's account XX/XX/XXXX. The account is now listed with Citi XXXX. I have called them at XXXX a month ago and was told that it is past statue in my state XXXX Mississippi XXXX and they would not accept my voluntary payment. I explained that it was still reporting every month negative on my credit and I was told that is XXXX different laws. ( statue and credit reporting ). I disputed the accounts with the credit bureau, but it remains on my credit. I called again yesterday, XXXX and received the same response from Citi. I spoke with the supervisor today, XX/XX/XXXX and was once again told that I can not pay this debt and that it will not be removed from my credit until the XXXX year mark. How can this report to my credit and not allow me to pay the debt to obtain a home mortgage. The balance is only {$280.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm trying to refinance my existing mortgage four years after a Chapter XXXX bankruptcy discharge XX/XX/XXXX. We began working through a mortgage agency, XXXX. In this process, although not shown on our personal credit reports from any of the big XXXX credit agencies, a third party agency, XXXX XXXX, showed XXXX late payments to Citi Mortgage XXXX before our actual bankruptcy and XXXX after. We made all of our payments to them on time. We called Citi Mortgage customer service reps. They would n't talk with us because they though we were in a current bankruptcy process. They finally put us through to their bankruptcy department. They thought we had completed our bankruptcy XX/XX/XXXX and forward us to their mortgage group. They requested we fax them the details of our credit report and our payments. We sent them our third party credit report, our bank statements showing our payments and the corrected record of payments t later provided by Citi Mortgage, They then replied that they needed the actual source credit reports, not the one from a third party. We ca n't supply that because our yearly credit reports do n't show this issue. How do I resolve this issue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Ditech Financial LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ditech charges me with more {$14000.00} + areas on a mortgage not valid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation