BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Best Buy Visa card that was never activated. I received an statement in XX/XX/XXXX stating a transaction made online for {$2500.00}. I intermediately called the costumer service and they told me my account had abother transaction for almost 2900.00 and that I had overpass the credit card limit which was {$5500.00}. My account had a balance of XXXX They referred me to security Department and initiated an investigation. I filed a police report and faxed the affidavit form with some information. Today I received a letter saying that the information submitted was not enough and that I was responsible for the balance on the account and that the investigation was closed. I called the costumer service number again and they told me my balance now was for XXXX They told me they could not do anything for me and gave me this number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: CNG FINANCIAL CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have an XXXX  XXXX son who has been through 4 XXXX XXXX   to where being a single mom i needed to take out alot of payday loans. Which i regret. Check n go is one that im having a problem with at the moment. They called my dad and step mom who i do not speak to giving personal info out and threatening fraud charges. Have not even attempted to contact me. I plan on paying all the loans back but im just starting to try and work and get myself and son in a good position. They should not be giving out my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: U.S. Collections West, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date per company:XXXX Company : US Collections West Issue : I have submitted to the company, and XXXX  a police report and an Affadavit explaining this account is fraud. Back in XXXX ( cant  temember exact date ) I was in the process of moving where I went to a public library to make copies of ids socials and other info ( paystubs etc ) for a rental application. I left the folder at a computer while using the restroom and it disappeared. All of a sudden later about 1-3 months accounts started popping up that was not opened by me. I know people may think all XXXX people look alike because they allowed this person to physically open up stuff and sign or it and everything. I explained this to the company over 5 years ago. It was also at one point removed from all of my credit reports then all of a sudden inXX/XX/XXXXthis company put it back. This company is refusing to remove it. I sent them my police report and everything. XXXX has also sent them the same info. They refuse to let me speak to a fraud specialist and they have not given me any other way to remedy this. This isnt right. And I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
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 decrease my monthly payments

Complaint:
I have a private loan with Navient that was orginated in XXXX. I graduated in XXXX XXXX and before I graduated I began receiving calls from Navient. Since then, Navient call everyday at least 2-3 times a day to both myself and parents trying to collect. I have made Navient aware of my financial situation and even after finding out that my parents and I only have {$45.00} of disposable in between the XXXX of us and still would not accept any payments lower than {$390.00}. They also keep suggesting that I enter into forbearance and pay {$150.00} for 3 months but wo n't accept {$150.00} for payment. I have already used 6 months of forbearance and will only have 6 months left for the lifetime of my loan. Is there any IBRP available for private loans with Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
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 accordance with the fair credit reporting act XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: GA
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:
There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There is a personal loan for XXXX that was un authorized. There was a XXXX  account opened in my name the balance is XXXX  also 2 duplicate medical accounts Please investigate immediately and remove these un authorized accounts as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Issued card with {$12000.00} limit. Tried to use card 4 different times, calling the CC Company between attempts. Issue never resolved. Ultimately returned cards and advised Synchrony to close account.
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See attached for full chronological sequence and details.

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 2015-08-20
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: SC
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I paid Global Client Solutions to help me with my debt, they took my money and did n't contact my creditors, I still have the receipt from the XXXX XXXX XXXX from XXXX XXXX, 2008. I am out of pocket {$720.00}. How do I get my money back with interest? 
XXXX XXXX lived in XXXX XXXX at the time of this XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I called direct express about some unauthorized charges on my account and they said that they were cancelling my card and sending me out a new card so I updated my mailing address with them and they charged me a {$4.00} card replacement fee plus {$13.00} expedited mailing fee. I was supposed to receive the new card on XX/XX/XXXX but when I checked with the office on XX/XX/XXXX I discovered that I never received the card. So I contacted direct express again since I didn't receive the new card. They informed me that they would re-issue me another new card had me verify my mailing address which I did and again charged me a {$4.00} replacement card fee and {$13.00} expedited mailing fee. Unfortunately I never received that card either and spent almost an entire day trying to track down the ups driver who delivered the card which finally he came back to my house and informed me that it was delivered to the wrong space number as that's how it was addressed as well as the previous package by the shipper. So again on XX/XX/XXXX I contacted direct express and was really upset and asked them don't they even check and verify that the address is correct when they ask for it? They said they are supposed to yes. They apologized for the inconvenience and corrected the space number and again re-issued another card which again I was charged a {$4.00} replacement card fee and {$13.00} expedited mailing fee but was guaranteed that all charges would be reversed not to worry. I just contacted direct express to find out the status of the charges being reversed and was told that the requests were denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18
Company: NPAS, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency contacted me and never verified any information to verify they had the right person before they rambled off personal information. This account needs to be closed and removed from NPASS Solutions due to violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called this company XXXX XXXX XXXX due to receiving a garnishment. Once I got nowhere with the agent I asked to speak with a manger and I was very upset, I agent laughed at me and never transferred me to a supervisor after I asked him repeatedly.

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 2023-03-14
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX I have a mortgage with M & T Bank. I recently had problems with the property tax where the house was built on 3, 25ft lots and the 3rd lot wasn't properly merged by the city with lots 1 & 2. Lot 3 was sold for tax proceeds without my knowledge. M & T provided a lawyer since they also had interest in maintaining the property, to assist with resolving the problem. The tax bill was XXXX ( including interest and additional fees ). I recently found out I am being charged XXXX for and attorney 's fee and my mortgage has changed from {$400.00} monthly to {$1700.00}. M & T is also charging me {>= $1,000,000} in addition to the above amounts as a recoverable corporate advance. I have talked to them asking them to provide a fair bill but this is excessive and well beyond the amount of the taxes or attorneys fees. Please help me. I am a XXXX XXXX XXXX widow on a fixed income and I think they are trying to take my home with excessive fees beyond my income. I have not missed a mortgage payment, I have always paid my taxes until I became exempt I can not loose my home.

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 2020-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2020 I set up the AutoPay feature through Bank of America 's eBill platform to pay my XXXX Bank of America XXXX XXXX in full each month using a checking account at another bank. 

I use electronic autopayment for many bills and do not log in regularly to check accounts. I do ; however, set up alerts so that I will be made aware of any unusual activity on the account. 

Bank of America 's autopay failed to pay XXXX bill for {$34.00} by the due date of XX/XX/2020 and on the next bill I was assessed a minimum interest charge of {$1.00}. I was never alerted by the bank that this bill was unpaid or that interest was charged. The autopay again failed to pay this bill by the due date of XX/XX/2020 and I was again charged a minimum interest charge of {$1.00}. Once again, the bank did not alert me to any issue with this payment. 

I was only alerted to the issue by a credit monitoring service on XX/XX/2020, as this account was marked as having a late payment on my credit report. When I logged in to the Bank of America website, I could see no trace of the autopay that I had set up months before. I was never told by the bank that there was any problem with my autopay. 

I called the bank and they were helpful about removing the mark from my credit report. I have spoken to XXXX Bank of America representatives on the phone XXXX XXXX on XX/XX/2020 and subsequently on XX/XX/2020 ), both of which acknowledge that there was an error on the part of Bank of America. They have told me that there is no way that they can refund the interest charges and that there is no one that I can speak to with the power to refund the interest charges. 

I acknowledge that it is a small amount of money in this case : {$3.00} ; however, I find it very disturbing that the bank is refusing to pay back fees that they have collected when they acknowledge that they should not have charged those fees in the first place. Furthermore I was told that there is not even a mechanism in place to refund these fees in the event of an error. This points to a systemic problem with Bank of America. I worry that this bank may be wrongfully withholding fees from many consumers.

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 2016-03-24
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
A payment was made on XXXX XXXX 2015 for XXXX due payment ( payment made early ) the payment was not credited for XXXX resulting in their reporting and accounting of late payment fees, credit report of late fees etc., the company Ally Financial refuses to correct the account.and all payments made after that date have been based on wrong accounting of the payment which was made in XXXX XXXX, 2015 and received by them.

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 2020-06-15
Company: SYNCHRONY FINANCIAL
State: OH
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:
Looks like a SYNCB/Ashley card was opened, I tried to dispute with XXXX, but the dispute results got no where. Do not recall account because the date it was opened I was in confinement in 2016. Documents will further prove I was as well

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 2021-12-14
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover Financial is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am awaiting all correspondence requested to validate the alleged debt, I have also request that Discover Financial cease and desist all communications in regards to the alleged debt and report all accounts with any credit reporting agency as positive in regards to this alleged debt until I receive proof of and have conducted a thorough investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
They would n't let me lower my payment and said it would go into automatic default if my dad died. They kept putting it in Forbearance instead of lowering my payment like they said. I 'm about to default. I kept asking for a lower payment but they said they could n't do it until the past due was caught up but they gave me no way to do that. I offered to send what I could but they told me not to bother because it did n't matter. My dad died a over a year ago and I 'm scared to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Executive Credit Management, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Executive Credit Management , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Re : XXXX XXXX Dear Mr. XXXX : Kindly be advised that I am in receipt of your letter to XXXX xxxx in regard to the above captioned matter. I do admit to signing a one-year lease with Mr. xxxxxx in XXXX. However, I deny any and all allegations, nor do I take any responsibility to your claim of a dept in my name or any known alias. 

After one year of residing in the apartment and the lease went to a month to month basis ; Del Code 70 Del. Laws, c. 513 1 ; 79 Del.  Laws, c. 47 20 ; 5106 ( a ), I provided XXXX XXXX with notice in XXXX of my vacating the property and moving to Pennsylvania. 

My letter providing notice of vacating the property was hand delivered to the office manager/family member of the previous XXXX owner, Ms. XXXX xxxxxxxxx along with that months rent. Whereby, Ms. XXXX xxxxxxxxx verbally acknowledged receipt of my notice to vacate the property. Del Code 70 Del. Laws, c. 513 1 ; 5707 ( b ) ; Del Code 70 Del. Laws, c. 513 1 ; 5113 ( a ) ; Del Code 70 Del. Laws, c. 513 1 ; 5114 ( 1 ) ( 2 ) ( 3 ) At such time, it was the responsibility of XXXX to  ensure the credit worthiness of Mr. xxxxxx solely residing in the apartment. If XXXX felt that there was no such worthiness, they had ample time to notify Mr. xxxxxx that he would be evicted. 

Additionally, no notice was ever provided to me at my Pennsylvania residence that Mr. xxxxxx had fallen behind on rent or that over six months of back rent was due ; Del Code 70 Del.Laws, c.513 5502 ( a  ) ( b ), verifying that, in fact, XXXX was not a party to the lease. 

I understand that XXXX had sold ownership in the last year, as I personally know the previous owners. I also understand that during the process of taking new ownership of such a large rental complex, a thorough investigation perhaps was not done. I therefore, suggest a reexamination of this matter. 

In the meantime, please cease and desist your harassment of mailing letters to Mr. xxxxxx to my home. Mr. xxxxxx now resides at xxxx XXXX XXXX, XXXX, DE XXXX. 

Furthermore, please cease and desist your harassment and erroneous claim of dept in my name or any know alias. 

Very truly yours, XXXX xxx xxx Cc : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
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:
XXXX  XXXX credit card company closed account, charged off then sold it to Portfolio Recovery XXXX, XXXX after account has been closed and discharged. I did not receive any notification about this until after I disputed the items on my credit report. It has been over 8 years and now I am receiving notices in the mail almost every day. These accounts have been discharged and closed. I have disputed these items several times and they get put back on my credit report with a different date. These accounts are over XXXX years old and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: CITIBANK, N.A.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/2019, I received a notification from my credit monitoring company that Home Depot Credit Card Services reported an over 30 days past due on my credit report. 

On or about XX/XX/2019, I called Home Depot to place both my Home Depot Credit cards on auto-pay, as I was planning on going on an extended military field op. 

The disconnect was that the representative who took my call only put one of the two credit cards on auto-pay. 

I later requested that HomeDepot review the call and to investigate this error further. I asked for HomeDepot to reverse this credit reporting to reflect an accurate representation of creditworthiness. 

After a month, I called Home Depot to get an update about the status of the case. I was told that their investigation concluded that Home Depot was not at fault and that they will not reverse the reporting. I asked if anyone listened to the calls and was told in a very unsympathetic way that Home Depot investigation was final and that there was nothing else I could do. When I asked whether I can speak to the department which investigated my claims, I was told that they do not communicate with customers directly. 

I am not asking Home Depot to remove the +30 days past due as some favor ; I am asking for them to remove it because it is inaccurate and because it is the right thing to do. 

I have 3 credit cards with home depot : two of mine and one of my wife. We maintain active balances and have NEVER been late on any of our payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: DISCOVER BANK
State: CA
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:
I logged in online to pay my student loan and the website will NOT let me make a payment without giving them more personal information about myself. They now want my citizenship status and employment information and I do NOT want to give this information. I just want to pay my loan online as usual. 

So I want my login unblocked and to allow me to pay my loan like I always do. The online login will not let me access anything, no personal information, no inbox messages, no account summary, nothing. I feel demanding this personal information is way too intrusive.

Company response to consumer: Closed with explanation