BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
CREDIT CARD : SEARS Date : XXXX of XXXX  Payoff {$340.00} Date paid : XXXX, XXXX  I got XXXX  during the month of XXXX My payment records were excellent I had auto payment ON on my account with SEARS The credit card reported a 30 days late on my payments. As soon as I noticed that LATE PAYMENT, I called Sears and they said they will fix the error. I went ahead and paid the full balance at that time to avoid more problems. I didnt owe much anyway and paid. 
Sears said I removed the auto payment which I dont recall doing. 
I asked them to fix the 30 days past due and they said several time they will do it but they lied and they never did. The 3 credit agencies XXXX XXXX and XXXX got the report from Sears with the 30 days past due. 
I asked SEARS to remove the bad credit as I was an excellent payer and that with the XXXX  I may have done a mistake or error with the account ( I got brain fog ) I still dont know what happened. 
They said they will but they never fixed it. 
I sent XXXX hospital reports and still they didnt fix it It is hurting my good credit

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 2017-02-28
Company: Advance America, Cash Advance Centers, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received correspondence from a collection ageny accusing me of owing a payday loan debt from XXXX from a company I 've never heard of .When I inquired about being provided in writing proof that I owe this debt, the collection agent refused to provide me details in writing stating that it will be presented in court.I asked for the proof because without informing the agent I wanted to see if there was a signature of any sort on any documents and compare to my own.Around XXXX my mother was a victim of identity theft and I want to make sure I was n't affected as well.The agent mentioned a bank that I supposedly wrote the check from and I have never opened or maintained an account at the bank he mentioned.The interesting thing is I have never heard of this company before ( Advance America ) and I have never taken out a payday loan with them.I asked about three times if the information could be provided showing proof that I supposedly owe this money and the agent refused to provide proof of documentation which I thought was required by law anytime you are being accused of a debt. The correspondence also reports that I need to pay to have it removed from my credit report but what is interesting is that it is not on any of my credit reports which made me even more suspicious of this situation.These people are threatening to sue me and place a judgement on my account and wage garnishment as scare tactics which has to be illegal as I truly believe these to be false claims.If I supposedly owed this from XXXX then why in XXXX would they suddenly attempt to collect a so called debt that they claim I owe? I 'm certain that if such a debt was owed, they are beyond the statute of limitations.The company 's information is as follows : XXXX ADVANCE AMERICA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Medical Data Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On  XXXX   XXXX , a letter for validation of debt, amount presumably owed :  XXXX , was sent  to Medical Data Systems ask ing for a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until debt was validated by me. As of this date  XXXX / XXXX /  XXXX  , I was provided  by Medical Data Systems an Itemized statement that included all procedures, not   coded, which were performed including x-ray info which is a violation of  the HIPAA act. I was not provid ed a statement from the original creditor that would allow release of my medical information to  Medical Data  Systems nor was reporting ceased to all  XXXX  credit bureaus.  XXXX   XXXX  is the original creditor. I have never received a bill from this hospital and had insurance to cover all costs.

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 2016-06-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, First Citizens Bank has an advertisement on line, in their website https : //www.firstcitizens.com, where there is a bonus of XXXX for opening a new checking account. However, it does n't say that the checking account is subject to credit approval. After I fill out all my information, at the end, I was denied. I thought maybe they needed more information like my Driver License and proof of address etc. However, today I received an alert, that yesterday XXXX XXXX Bank checked on my XXXX credit bureau. It is an usual or not a common practice for a XXXX bank to measure credit exposure when a client is not requesting a lending product. It is uncommon to be subject to a credit risk check for a checking account, and more important to not disclose that as part of the application process. It is deceiving that their website does n't disclose that First Citizens Bank checking account products are subject to credit approval. I believe that is in violation of the fair lending act and it constitutes an unfair and deceptive banking practice. The website withhold material information that if I would have known right upfront I was going to be subject to credit approval for a checking account, it would have affected my decision to apply and I would n't have applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Bank of America XXXX mortgage was included in our Chapter XXXX Bankruptcy XXXX, XXXX. We completed the payment plan and the bankruptcy was discharged XXXX XXXX. After the bankruptcy was discharged, Bank of America starts reporting our account as 180 days delinquent and over {$10000.00} past due. I sent documentation to their XXXX XXXX location on XXXX XXXX, XXXX, revealing the papers and discharge. So they remove the {$10000.00} past due and show a XXXX balance on the account, but failed to removed the delinquencies that popped up ( XXXX and XXXX, XXXX, 120 days past due ) and then XXXX XXXX. We are trying to refinance our mortgage under Harp before the program expires in XXXX. You can not lawfully report delinquencies on an account when the trustee is making the payments and there was no breech to the contract. Please help

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 2016-10-13
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my student loans from XX/XX/XXXX XX/XX/XXXX. I have a pdf file from the company congratulating me on paying off those loans. I have new loans from this company from XX/XX/XXXX, of which I recently put into forbearance due to a medical issue that occured a month ago. I believe that when they put my new loans into forbearance, something happened in their system, and started charging me late fee for my PAID loans from XX/XX/XXXX, which are now accrued to a total of {$40.00}. They have proceeded to call me 6 times in 24 hours trying to receive payment for this amount. I answered the phone the first time, and let them know their system was incorrect, and the person on the phone was able to see that i was correct and would notate it and inform a supervisor to fix this issue ... however, i have continuted to get calls every 3-4 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/31 at approximately XXXX XXXX, I called Hyundai Finance Motors to make a payment on my past-due loan. I informed the representative that I only had {$500.00} to pay toward the XXXX past-due balance. I requested a late fee waiver, as the amount being asked was {$560.00} and I had just paid {$1000.00} a couple of weeks prior, and my funds were limited. The representative proceeded to tell me that Hyundai does not waive fees and I would need to pay the amount requested in order to stop collection calls. I asked the representative, why didn't Hyundai have a fee waiver request available for their consumers to allow them to get caught up on their past due amount when efforts are being made to bring the account current. The representative proceeded to tell me that my past-due account is my fault and why should they waive my late fee because I fell behind. I told the representative that she was in violation of the FDCPA and that I would report her for abuse. I then requested to speak to another representative to proceed to make my payment. The representative told me to report her and hung up in my face. I called back to make my payment and also to request the name of the representative. I was only given the name XXXX, no extension was provided. The new representative did, in fact, request a fee waiver ; so not only was the previous representative abusive, but she also provided false information regarding my 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 2022-10-31
Company: Comerica
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a letter from Comerica Bank about an open checking account on XX/XX/XXXX. Called Comerica Bank, spoke with representative indicated I did not open the account. Informed the account was caught by the fraud department. Account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX X/2016 Not my account Fraud account identity theft

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 2017-07-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX X/2016 Not my account Fraud account identity theft

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 2017-02-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Chase has been charging me late fees for three years in excess of {$1200.00} for a returned payment of {$28.00} dating back to XXXX XXXX. I had been assured that I would not have to worry about fees under their AutoPay system, which I enrolled in sometime in XXXX. I called up to inquire about why they XXXX my account, again, as well as why there was still a balance on my card. They also had n't sent me a new card, as my old XXXX had expired at the end of XXXX. Instead, I 'm told that I 've been assessed late fees for 30+ months and that returned payments are can not be processed through their AutoPay system, which I was not aware of. They repeatedly XXXX my user account and I was unaware of the issue with the payments or that late fees were being assessed. They charged {$35.00} penalty monthly and refuse to assist any further with late fees apart from a credit for this month. I have paid more in late fees than the limit on the card of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a account with chase XXXX  Bank I paid my car payment will XXXX XXXX with a check and it went threw on XX/XX/2022 with a check. The check was returned back to XXXX XXXX on XXXX XXXX which on the XXXX, of XXXX the funds were there. And also XXXX XXXX I made a payment to XXXX XXXX  today for the amount of XXXX XXXX XXXX XXXX dollars which is the payment every month my payment keep getting reversed the money is in the account after I made the payment XXXX XXXX XXXX I called XXXX XXXX the payment went threw. I was in the branch chase XXXX Bank XXXX XXXX and I asked did they see the payment for today they said yes my balance was XXXX XXXX and some dollars. I also was replying to XXXX XXXX  statements stating they sent the payment to chase XXXX Bank and there was a return check the agent from chase XXXX Bank stated they never received a check from crescent bank the agent from chase XXXX Bank also stated if XXXX XXXX even tried to send a payment the can see it on my account there no transaction for a check coming in said the agent from chase XXXX  Bank. XXXX XXXX  has stated they have sent the check to chase XXXX Bank and also I went threw as a payment when XXXX favors made the original payment again they have reversed another payment for today XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient took way more money out of my account than authorized and never issued my refund. I have been constantly calling them and sending them my bank statements to get this resolved, however they continuously give me the run around and each rep provides me with different information and different steps to take. I have submitted bank statements twice that reflect I have never received the refund. 

I believe they are engaging in unfair and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX University XXXX - XXXX, Florida. I attended this school for my XXXX. and XXXX. degree. They lied about job placement numbers, lied that the degrees I was seeking would be get me the job I wanted, lied saying that my credits could transfer to any other school, and they were under investigation from the gov't at least XXXX time while I was there and that is why they changed the school name from XXXX University to XXXX while I was still attending. Since then, XXXX has numerous lawsuits filed against them for misuse of funds and for fraud, including another gov't investigation for the same allegations. They have filed bankruptcy and closed many schools, and the ones still open are no longer allowed to accept students.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second CFPB complaint for this same issue and after multiple complaints with the bank. For the second month in a row, after they had advised you all and me that the issue was resolved and I could pay money towards my principal, this has not been the case. My last two principal payments were applied against future interest payments. This then causes me to be on the phone with the bank for a long amount of time trying to get the payment reversed back to principal. Last month I lost money as they did not backdate the payment date so they kept some of the interest they charged me. This month, the representative advised that they would backdate the payment so I would receive the full benefit of my payment.

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 2021-01-14
Company: Direct Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls from ( XXXX ) XXXX & ( XXXX ) XXXX. They leave a message that this is a confidential matter and that they are trying to collect a debt. I do not identify myself on my VM, so they should not be leaving this message. They have also called my parents house and my ex-husband and left messages on their VM. They are not respecting my privacy. They say on the message to go to the website and enter the account number they give to pay the debt. I tried just to see if this is for a legit debt and the account number doesn't exist. As far as I'm concerned this is a scam. They threaten to take legal action if the debt is not paid. The voice on the message sounds like a robot. They identify themselves as Direct Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In 2011 my debit card was lost/stolen I had just moved to XXXX Ga. The bank contacted me ( SunTrust ) and asked had anyone used my card? I responded no as I checked my wallet and noticed my card was n't there. So someone had used my card, deposit checks and withdrew money. They were to do an investigation but know one contacted me after a week so I was guessing that everything thing was ok but it 's not. This issue is stopping me from opening a bank account at XXXX Bank. I called XXXX the lady advised me that it showed that 's it 's clear but it 's still showing up. I want to get this cleared as soon as I can. Thank you.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2002, i sent a letter to XXXX, XXXX and EXPERIAN advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.

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 2021-01-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I open I new account with regions bank with a bonus promotion. All the requirements have been met and still no bonus

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 2016-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The principal balance of my HELOC was " forgiven '' by Bank of America, as result of the Department of Justice and XXXX XXXX XXXX global settlement with major mortgage servicers in 2012. Per the forgiveness agreement with B of A ( copy attached ), the bank was to " report to the major credit bureaus that your account was paid and closed. ". Contrary to our forgiveness agreement, B of A has reported the account as a charge off ( copy of XXXX Report attached ). My communication with the bank has not been successful in getting them to correctly report to credit bureaus.

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 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my account with Bank of America Master Card in the summer of 2015. 
However I just received a statement from BoA with a new charge to my account. 
I contacted BoA with a request to truly close my account and reject all charges coming into this account after it was closed -- - because I am not a BoA customer anymore, and BoA is not my service provider anymore. IN my view, BoA can not transact business on my behalf -- - because we have no commercial relationship anymore. 
However BoA representatives declined providing an assurance to me that they will indeed close my account to new charges. I am seeking CFPB 's help in having BoA truly closing my 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