BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Around the holidays of 2015, I received a postcard in the mail from citibank. The advertised promotional offer XXXX, stated that if I opened a citigold account, use the debit card to make {$1000.00} dollars in purchases and use my checking account to make XXXX qualifying bill payments, I would be rewarded XXXX XXXX XXXX Advantage XXXX. I used the online chat function to confirm the promotion was for my account and the stipulations I needed to make in order for the promotion to be valid ( please see screenshot attached of online chat ). I have since placed upwards to XXXX calls to citi confirming the offer was in fact linked to my checking account and to call back once I had finished these requirements. I have called back more times than I can count, and it seems that the staff gets just as frustrated with the situation as I do, although they have yet to credit my AAdvantage account and have sent me an email saying I do not qualify for this promotion I 'm not sure if citigroup over extended themselves with their offer, but they need to make it right. Causing a customer to call more than 10 times to have a problem resolves is absolutely absurd. They continue to tell me they 'll look into it, but never call back and do not find a resolution to the situation. The only correspondence I have received is from citi bank NOW saying I do not quality for this promotion and to provide the original postcard to them that I received nearly 10 months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called XXXX and left a detailed message for her to return my call on Wednesday, XX/XX/2020. I have now given her a week to return my call, and I have not heard from anyone. The letter claims that my account was fixed on XXXX, which is a lie and I have pages of documented evidence showing that my balances for posted items changes everyday, making it impossible to audit my account. The letter claims that it never effected my availablebalance. Just now on XX/XX/2020 I received an email that my balance was below {$100.00} at {$39.00}, which did not match my checkbook register of {$42.00}. Then when I pull up my bank account to see if I missed entering a transaction, I see that the bank claims my available balance is {$270.00}. I have enclosed documentation for these items.Ever since online banking became available, I have made every decision based on my available balance. I found myself many days spending money they claimed was there, only to discover it was not there. I have lived under extreme stress and confusion for nearly 2 decades. There were times when I did keep a checkbook register and when my balance did not match the online banking I would adjust it because I believed a computer. This led to at least half of my overdrafts if not more. I was spending money I was told I had, but actually did not. I have spent that last year carefully watching my records and keeping a detailed register only to discover that my available balance is not accurate most days. I no longer trust that balance. Capital One continues to send me letters that has nothing to do with my situation, or like this most recent one it is filled with lies. They aren't returning messages. I want my overdrafts refunded, as they have been deceiving me and who knows how many other customers. They have yet to provide documentation. I was promised a full audit, that if it ever happened was not given any information on. A company who can not or will not prove that they have not been committing fraud is one knows they have done exactly what my documentation shows but refuses to acknowledge it. My husband and I are switching banks, but we are waiting for restitution. This is not going away, as I continue to document every deception on a regular basis. My evidence is irrefutable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
on XXXX XXXX, 2014 the XXXX transferred the sum of XXXX XXXX. The rate at that time was {$1.00}. I should have received {$66000.00} but only received {$65000.00}. Unfortunately the transfer went through Citibank which added extra transfer fees even though the XXXX insists that they did not use an intermediary bank. I had an account with XXXX, an international bank. Because of Citibank, there was a minus {$1800.00} in funds expected by me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 been disputing this account a number of time and the have not removed this account and it is not mine.

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 2017-02-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX loans serviced by Navient totaling {$25000.00}. Since graduating from XXXX University in XX/XX/XXXX I have been either unemployed or underemployed. At the time I was to begin making payments on these loans I requested payment information to cover any capitalization of unpaid interest and was given a dollar amount which was paid as instructed on a monthly basis. In addition, Navient never informed me of my options to avoid interest capitalization during any grace periods. To my surprise XX/XX/XXXX there was {$1500.00} of capitalized interest added to my loan balances. Given the fact that I was not informed of my options and that all interest payments were made as instructed by Navient I respectfully requested they remove such charges from my loans on several occasions. They have refused to date to remove such charges on the basis that I agreed to such an interest capitalization policy in my promissory notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I have contacted USAA several times about changing the payment due date on my credit card. Every time I call, the representative says that USAA has not yet authorized " the system '' to allow for payment due date change requests. I have always paid on time and have a good credit score above XXXX. I am working for a company that pays me on the XXXX and the XXXX instead of the XXXX and the XXXX. I need to be able to pay my credit card bill with my paycheck on the XXXX but my credit card due date is the XXXX of each month which if I do n't pay by the XXXX, I will incur late fees. USAA does n't ever explain why they wo n't allow a change to the payment due date, I am just told by the rep that " management has not yet authorized it ( payment due date changes ) ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has increased my mortgage balance by lying and deceit. From charging me for mowing the lawn to clearing debris. The XXXX XXXX XXXX has proof from XX/XX/XXXX to XX/XX/XXXX that Bank of America never removed debris or mowed my lawn. the only person that mowed my lawn was me. Furthermore, Bank of America has put my home into foreclosure with a 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 2022-08-27
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance holds our mortgage and as a result the escrow account is totally non transparent and as a result duly on XX/XX/2022 I paid my insurance through XXXX the insurance company notified Selene that the insurance was paid in full I also contacted them on a number of occasions to tell them the insurance would not be paid in escrow and as of the first of the year my taxes will be paid outside of escrow. There is also {$200.00} that is taken out oof my payment and no one can tell me where this money goes. As of XX/XX/2022 the escrow account had a balance of {$2000.00} and as of XX/XX/2022 there is a deficit of {$2500.00}. Not possible!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
My wife and I both opened a brand new BARCLAYCARD Rewards MasterCard after receiving promotion in the mail. We were both approved and took advantage of the 0 % into for the first XXXX months. We made sure the purchases were made within the XXXX days of acct. opening which we called to verify date. My wife saved her letter but I did not save mine as they were they same. Well she got her bill and they started charging her interest. They literally made her produce the paper which she did and I am attaching her. They made her mail the items in to " prove it '' no the case is getting settled and she will hopefully get all interest reimbursed and the promo for XXXX months. I just got my bill and would do the same thing however I only have the paper that she got not mine. I think they will try and weasle their way out of giving me my promo. so that is why i am filing this complaint. They are terrible in the way they bait and switch. They mentioned well you opened your account online, like something was wrong with that. I said right on the paper to do so with the personal ID code which we both did. I never ever would have opened a new credit card had it not been for this special promo.

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 2022-02-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Waiting for close to three months on pslf after formal letter dated XX/XX/XXXXXXXX XXXX indicating all they had to do is verify my one employer. Paid consecutively on time for 16 years- met requirements in 2017 but given incorrect info. XXXX also never verified I could not pay during covid and so continued them. I consolidated under limited waiver now and am clearly eligible and should actually receive a refund but NO time frame is ever given on when they will be forgiven - different things are said - from wait a couple of weeks to it could take months and months. A clear time frame should be given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX and it 's designated debt collection company, " West Asset Management '' ( also known now as Global Receivables Solutions ), engage in some dishonest billing and collection tactics. I was actually quite surprised to find out this same exact situation has happened to other people. After terminating my relationship with XXXX XX/XX/2014 ( important to note that I was no longer on a contract but paying month to month ) ; I paid XXXX for the remainder of that month in addition to the next month 's service. Unknown to me, XXXX decided to charge me for yet ANOTHER month of billing. So cancelling in XXXX 2014 and paying both XX/XX/XXXX and XX/XX/XXXX phone bills ; XXXX still decides to charge me with a XX/XX/XXXX bill! But because I no longer had autopay setup for the account, XXXX forwards the account to its collections company for hire - " WEST ASSET MANAGEMENT. '' When I finally received documentation for the extra month I " owed '' XXXX and contacted West Asset Management, they told me it could be resolved if I paid the amount in full and it would not affect my credit. I agreed even though I did not feel I owed the debt. 
Checking my credit and seeing it get decreased with all three bureaus because of a derragatory mark, I again contacted West Asset Management. They informed me that I had paid too late and that there was now nothing they could do to remove the debt. West Asset Management was dishonest with me about the terms of resolving this debt. 
To summarize, XXXX is very unscrupulous in trying to collect extra money from people who disengage their services. This was extremely disappointing that the manipulated end date of services in order to collect an extra month ; I had been a good customer on contract for well over two years who always paid on time and in full. In addition, West Asset management uses dishonest techniques ( as well as possibly illegal ) such as lying about settlement terms and threatening with lawsuits for collections. 
After the time and money sunk into fighting this issue with these XXXX companies, I would like these negative marks removed from my XXXX, XXXX, and XXXX Scores. I would also like other people reading these online to really reconsider doing business with a company like XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX  credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Account status incorrect

Complaint:
I have been awarded a permanent and total XXXX discharge for my student loans. However, my accounts reflect a negative status.

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 2017-01-20
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When my loan was first sold to navient from XXXX they had low payments. XXXX month Then my payment went to XXXX a month. They are more than willing and they also preferr to put you in deferment then to take smaller payments so they can add interest to your total I have a total of XXXX in loan but now it is up to XXXX. It is hard enough to make XXXX but harder to catch up to pay the interest that has over grown they have had the loan since 2011. In 6 yrs the interest turned into XXXX. On their recognition to let you to deferred versus making smaller payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX XXXX with a completed Loan Modification, I have sent the Executed loan modification to them 3 times, its almost 2 months and they are not updating their system.

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 2017-01-11
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to AES letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and AES refuses to delete the fraudulent accounts from my credit report stating in a letter its verified AES provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
ChexSystems has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from XXXX XXXX resulting in {$2200.00} and I also had a fraudulent charge from XXXX  XXXX XXXX resulting {$2600.00}.

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 2022-08-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae continuously harassing me and my family with their harassing calls after repeatedly telling them to stop calling one of our numbers. I recorded a call saying that they would take a number off the list of numbers that they call only for them to repeatedly go back on their word. Sallie Mae continues to lie and manipulate customers like me who are struggling during a worldwide pandemic not caring or being considerate of the situation we're facing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN REGARDS TO MY COMPLAINT # XXXX SUBMITTED XX/XX/2022, THE COMPANY 'S LETTER IS UNRESPONSIVE TO MY REQUEST. EQUIFAX IS IN A WAY THAT IS EXACT AND CLEAR, OBLIGATED BY LAW 15 U.S.CODE SECTION 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION. TO SHOW PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS IN MY FORMER COMPLAINT, SUBMITTED ON XX/XX/2022. SECTION ( B ) OF THAT LAW STATES, THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, AND ( C ) THE CONSUMER IS GIVEN AN EXPLINATION OF HOW THE CONSUMER CAN EXERCISE THAT NONDISCLOSURE OPTION. XXXX IS CLEARLY DEFLECTING FROM THE MY REQUEST AND WILFULLY BREAKING THE LAW IN THEIR RESPONSE. I AM AN XXXX AMERICAN WOMAN WHO IS AWARE OF HER RIGHTS, AND I REFUSE TO LET THIS COMPANY TAKE ADVANTAGE OF ME. I AM DEMANDING PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS ALONG WITH MY NONDISCLOSURE OPTION, ENOUGH WITH THE FILIBUSTERING TACTICS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
A home with no mortgage was sold to an unrelated party in XXXX 2014. On or about XXXX 2014 Ocwen Loan Servicing posted a Fraudulent Lien listing with XXXX which they continue to refuse to remove. Ocwen has not one piece of paper signed by me as any sort of basis for this " mortgage '' on a residence I no longer own and both the other credit bureau 's have since read the documents and removed it from further damaging my credit reputation. Ocwen continues to lie to XXXX and they continue to refuse to examine the documents which prove Ocwen is a liar.

Company response to consumer: Closed
Consumer complaint received 2020-10-06
Company: Armed Forces Loans of Nevada Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a federally protected consumer and Armed Forces Loans has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.

Company response to consumer: Closed with explanation