BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/20, I received a Citizen Bank credit card that I did not apply for. I alerted Citizen Bank and they are investigating the application. They told me to alert the credit agencies that someone had my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I schedule my XXXX mother 's bill payments to be " delivered by '' a certain date and her bank, Bank of America/XXXX, bank consistently sends them late, leading her to incur interest charges and fees. It 's not as if it 's a single credit card company that is failing to timely credit the payment on the other end. It happens with all of her cards and the language on the B of A/XXXX bill pay website clearly says, " deliver by '' and asks you to confirm that date twice before sending the payment ; yet, it arrives late.

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 2022-10-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2022 received a promotion for miles if open a citi miles ahead savings account and 25 % bonus on citi advantage credit card if maintain 10,000 in savings account with 20K miles after having account open after 90 days. I called after 90 days to see why my credit card not getting the extra bonus miles and they said they will review but got a letter saying saving account did not qualify for cash bonus did not see this letter since on main website in XXXX and go through app that does not notify you so called in XXXX to follow up and found out about letter asked where to send promo they only said I have to mail it and said can't I email or fax they finally gave me a fax number so faxed it then got a notification letter now that I am checking website they could not read it so called and got an email, so emailed it. Today called and they said the back office rejected it without explanation of why. So need help since supervisor was unhelpful after escalated call.

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 2015-04-09
Company: Coastal Credit, LLC
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX/XXXX/2015 at XXXX a voice mail was left on my phone XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ext XXXX. The person on the phone advised she was calling to speak with XXXX XXXX XXXX my step daughter ) regarding an auto loan with their company. She also said that this is a pretty serious situation that requires her immediate attention. My voice mail gives my name, not XXXX 's. Immediately after she called my cell number, she called my husband 's cell ( XXXX XXXX ). She advised him that that XXXX was behind on an auto loan and that legal proceedings had been started against her. In both instances this woman ( her name is XXXX XXXX ) disclosed information to a third party, she advised legal proceedings were taking place when in fact they ca n't be as XXXX does not have a loan with them. I returned the call to the phone number listed on my caller id ( XXXX ) and asked for extension XXXX. XXXX XXXX answered and advised me that she had spoke to my daughter. I then asked her if she was aware of the FDCPA and she said yes. I asked why she had disclosed information on my voice-mail and then to my husband. She said she is following the FDCPA guidelines. FDCPA clearly states that the person calling can not leave a message advising someone has debt or disclose to someone who is a third party. This makes XXXX violations and possibly more. We are also aware that they contacted XXXX 's mother XXXX XXXX XXXX XXXX on her cell phone with the same information. I do have the recording of the phone message on my phone if it is needed. I also find it interesting that when I called the company XXXX XXXX could not find the information immediately and made the comment that it was under the last name of XXXX ( XXXX 's former married name ) but when she left the message on my phone and also when she spoke with my husband she used the correct name of XXXX. Please be advised that no one in my family owes a debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued in 2014 for a debt that I owed XXXX XXXX. XXXX XXXX bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from XXXX XXXX as well as Cooling and Winters LLC. stating that I was being sued again for the same debt. I have spoken to both compnaies and XXXX XXXX refuses to speak to me about my account and told me they sold the account to Cooling & Winters after this account was satisfied. I contacted Cooling & Winters and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have two consolidated XXXX loans that were opened in XX/XX/XXXX and are serviced by Navient. The loans consolidated student loans that were originated between XXXX and XXXX. It appears that I may be able to qualify for loan forgiveness because of changes implemented to the IDR repayment plans on XX/XX/XXXX an updated on XX/XX/XXXX. It appears that if I convert my loans to a consolidate Direct loan under an IDR plan that the months I've been paying, in deferment and forebearance would all be counted to wards the 20years required for IDR forgiveness. However, Navient is not able to give me any information that i've asked to give me advice. All they say is to contact the board of education or FSA who refers me back to Navient. Navient has also advised me that they don't think student loan forgiveness will ultimately occur. I've asked for my payment records on my originating loans and for an explanation whether or not my commercially held XXXX loans will qualify for IDR conversion and or IDR forgiveness if I convert them to direct loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America I am been a long customer with this bank. I had a wire transfer that I needed to stop. Wire transfer was done late in the day and was told that it will not transfer till next day. I called at night and was told that they are closed and open XXXX. No specific time zone. I called at XXXX PST time but the automated system keep saying that they open at XXXX. I woke up again ant XXXX and when connected, they said that it was transmitted already since they open at XXXX est. 
This bank is deceiving and prohibited me from connecting with the call center so that I could get help. 
Dishonest.

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 2015-10-22
Company: Brookshaw Management, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call from a restricted telephone number with the caller identifying themselves as XXXX XXXX. He stated that he was calling about a pending claim with my name and would be showing up at my listed address if I failed to call XXXX with pending claim # XXXX. They did not state what the claim was about or who I was calling at the given number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a XXXX private loans that belonged to XXXX XXXX, now Navient. I did not pay them for atleast 2 years due to being unemployed and financial hardship XX/XX/XXXX-XX/XX/XXXX. I started paying them 2 years ago ( XX/XX/XXXX ), was put into a rehabilitation program for my Federal Loans and passed through it. My private loans, however, still say that I 'm 19 payments behind and are in collection on my credit report. I have called Navient numberous times to try to settle my judgement on one of the private loans and to set monthly installments to settle the other debt. They only say to " keep doing what I 'm doing. '' and that I 'm in good withstanding. This is saying one thing to me, but on the reports, they are destroying me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Central Credit Services, LLC contacted my neighbor about my debt. This neighbor is not a contact person nor reference on my application information. I 'm unsure how they targeted her or why they would try this tactic since it 's illegal. I have no idea how many of my neighbors they have tried this with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
I gave my credit card number to a contractor to be used as a security deposit for services that we booked an appointment for. The contractor ended up using the credit card to charge us for their services and over-charged me for their services. I filed a complaint with Bank of America and requested the disputed amount of the charges be declined and allow me and the contractor to work out the dispute directly. Bank of America initially declined to dispute the charges on my behalf, then after receiving a letter that I wrote them regarding the issue, re-considered and offered to refund the full amount of the charges, then later, again changed their minds and only refunded a portion of the disputed amount claiming that they do not have the authority to refund all the disputed amount. 

I never approved the full amount of the charges and the contractor does not have anything in writing proving that I owe the full amount, and yet the bank is refusing to refund the full disputed amount. Furthermore, the bank assessed finance charges on the disputed amount that is not in accordance with our credit card terms. 

I feel that the banks actions regarding the dispute as well as the application of the finance charges is in violation of the law. 

I am asking that the full amount of the dispute be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ordinance with the fair credit reporting act. Everything on my credit report must be 100 % accurate on my credit report. The credit bureaus stated that they properly investigated information on my report. But that information is inaccurate. This is grounds for removal. 

They also violated my rights under 15 U.S.C.1681 section 602 states I have the rights to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without written permission. The account is XXXX XXXX XXXX  account 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received email from XXXX charging me for {$410.00} for best buy XXXX XXXX. XXXX XXXX, phone number XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX was {$43.00} in 2021,

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 2015-09-07
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company has been charging me {$580.00} a year for hazard insurance. The property is already fully insured by my HOA. it is a condominium. I only own the space between the walls. They bought insurance to pay for the restructure of walls and property that are already fully insured and do n't belong to me. I just discovered they were doing this for XXXX years because they were hiding the charge by debiting my loan. It was not done through escrow or was i ever notified nor given a copy of the policy. They hid the charge by calling it an escrow disbursement. but no escrow disbursement occurred, it was a debit to the loan. I was aware I had a separate {$550.00} escrow disbursement each year. They led me to believe that this was the same transaction. This is fraud. I finally discovered what was occurring after they finally titled the loan debit a " XXXX '' payment this year which alerted me to the charge. My hazard insurance is through the HOA. the property is fully insured as required by the terms of the loan. My mortgage company surreptitiously and fraudulently bought additional coverage to benefit financially from the commission from the insurance company and put an additional debit to my loan to charge me interest on the insurance cost. It should have been an escrow charge

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient will not lower my student loan payment and I just can not afford the amount. They make comments on the loan and it has dropped my credit score. I have not missed a payment, or been over 30 days late, but paying the amount they want each month means almost not being able to eat and can never be payed on the exact date because I have to break it up into different payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. 


On XX/XX/2022, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/2022. But ( they are XXXX  ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/2022, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: NCC Business Services, Inc.
State: NE
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
While trying to get the Balance, Address and Phone number so that I can supply information to the collection agency servicing my XXXX smartconnect account, I was given a new number with every contact ( XXXX different numbers ). Each contact either refused to give or stated they did not have the information to give. When I finally got the collection agency 's name and number ( NCC Business Services XXXX XXXX ) their automated system discloses before verification that this is a debt they are trying to collect. When an agent answered the call she stated that she would be unable to help me because the case was in another office.

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 2017-01-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting this information reported on the XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
As you know, I have reported my identity was compromised. 

Police report and Identity Theft victim 's Affidavit were filed and mailed to the banking institutions, Consumer Financial Protection Bureau and OCC. 

I ask that the charges be taken out of my billing. 

Please respond within the next 30 days that the charges are removed as of XXXX XXXX, 2017.

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 2022-10-28
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a XXXX party check and the bank froze my account after I spoke to a bank representative about the hold they put on the check and now refuses to release my funds. They said that I needed to go to a branch to withdraw. So I drove to California to the nearest branch and still without a doubt didn't release my funds.

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 2016-07-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Dear SPS If you would assist me with documents I would greatly appreciate I have requested multiple times by phone and email Assignment of Mortgage New title Policy as of 2014 to show SPS as Beneficiary current preliminary title report shows XXXX Provide Beneficiary information not investor Explain why SPS is not on Preliminary title Provide who should be on preliminary title Explain and provide authority documents to move forward with foreclosure from prior to NOD, 2014 to current date Provide a copy of NOD and confirm debt on NOD if debt matches servicing of mortgage amount when transferred in 2014 not including escrow advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Reliant Capital Solutions, LLC
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:
I owed XXXX University {$5600.00} which I was unable to pay due to my financial situation. 
They sent it to debt collection - reliantcapitalsolutions. 
And now the debt collector wants {$7500.00}. 

I told their representative that I am willing to settle the entire amount that I owe XXXX University and add {$100.00} for their service. They cut their fee in half and are asking me to pay {$6400.00} I did not agree for the new approved amount and think their fee is unfair, subjective and unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief