BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been dealing with Bayview Loan Servicing on a mortgage modification because my husband passed away. From the very beginning I have had nothing but problems. They lost my paperwork including all my bank records 3 times, even though I sent them back to them in their prepaid envelopes. They then decided to report I made more money a month than I do. I told them about that mistake and they told me they just had to do that and it did n't matter, even though it 's still hard for me to make the payment. At the end of XXXX I got a letter from Bayview stating that there had been an audit resulting in a credit to my account of XXXX. On XXXX XXXX 2016 I spoke to the gentleman ( XXXX XXXX ) that has handled my modification and was told that the credit could be used to cover my XXXX, XXXX and part of XXXX payments. A couple days later I got an email saying my account was over due so I contacted Bayview again and was told by another person that yes I have a credit and that she would take the money, which had been put directly on the principle, out and apply them as payments for XXXX XXXX and XXXX. A couple days later another woman from Bayview called saying my payment was past due. I once again explained what was happening and told her she needed to speak with the gentleman handling my modification because he was the XXXX telling me it could or be used to cover my payments. I left multiple messages for him via voicemail and emailed him three times and did n't get a response. Finally about a week later he emailed saying he was looking into it. All in all XXXX people from Bayview have told me the money is mine and could be used to cover my payments. XXXX person said the money was n't mine, that it had to do with a modification through XXXX XXXX XXXX ( who held my loan previously ) to which I explained I never did a modification with them. I have been passed on from person to person, XXXX saying yes it 's covering my payments and XXXX saying it ca n't be used to cover my payments. I have had nothing but problems. I feel they have done nothing but lie to me. This was not my mistake. Clearly they do not know what they are doing and trying to take advantage of me. The only reason I needed the modification is because my husband died and I 'm now a single mother. I explained I used the extra money to pay down other bills because I was assured by XXXX different people that my XXXX, XXXX and part of XXXX 's payments would be covered by this credit. I documented the calls I made which went to voicemail, I have a copy of the email I sent ( 3 times ) and documentation with names and dates of the people who assured me my payments were covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: LendUp Loans LLC
State: TX
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Hello, my name is XXXX XXXX and I applied for a loan and was denied. I never received a denial notification or the reason for the denial. 

I 'm hoping that someone in your office could help me. 


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 2022-05-23
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
You are fraudulently and falsely reporting HOW ARE YOU FALSELY & INACCURATELY REPORTING MONTHLY LATE PAYMENTS TO CREDIT BUREAUS/AGENCIES ON A VEHICLE/PROPERTY YOU HAVE IN YOUR POSSESSION? The account you are reporting on has been IDENTIFIED as a VOLUNTARY REPOSSESSION or ILLEGAL EVICTION & NO MONTHLY PAYMENT ACCOUNT SHOULD APPEAR or EXIST after a the vehicle/apartment was repossessed/vacated I have a right to factual reporting on my credit profile You have falsely reported 99+ late payments since XX/XX/2017 the vehicle/property was sold/rented and was covered by gap insurance or renters insurance or homeowners insurance or my security deposit you have refused to show proof of CHECKS or/and MONEYS received from GAP INSURANCE/Renters Insurance Homeowners Insurance/ Security Deposit COVERAGE. Since the vehicle or apartment is no longer in my possession or occupied by me it is impossible for me to DEFAULT or INCURE LATE PAYMENTS after the fact I have a right to have an accurate and FACTUAL CREDIT FILE & DISCREPANCIES like this are UNACCEPTABLE and VIOLATE MY CONSUMER RIGHTS. So please immediately remove this account and its entirety from all my credit files/reports

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 2020-09-26
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I contacted Citibank about a monthly service fee of {$25.00}. I explained to the CSR that I was aware my balance fell below {$1500.00} so I deposited the necessary funds and they refunded the fee. 

On XX/XX/XXXX I contacted Citibank about monthly fees for the second time because the necessary funds were in the account. The rep told me the account was set up for {$10000.00} balance to avoid fees ( first rep never told me this ) I explained that I was told the balance needed to be {$1500.00} by the 1st rep. He said he would change it to a basic checking account so I would avoid the fee next month being that I was able to maintain the necessary funds to avoid the fee. 
On XX/XX/XXXX I got charged a 3rd {$25.00} fee. I called Citibank again and asked why I was charged the fee again and they said nobody ever changed the account last month and they will not be able to refund the fee again. I explained that the man that I spoke to the previous month was supposed to change my account to a basic checking so the fees could be avoided. She then told me that they would pull up the phone conversations and file a complaint so that I could be refunded. So far I have not gotten my refund and I have closed my account with Citibank.

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 2016-10-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
American express platinum Credit card services. 
I attempted to use my Member rewards points ( XXXX ) to purchase gift cards totaling the amount of {$1000.00} on XXXX/XXXX/16. Account was frozen and told to call into CS. The agent explained that my account had been flagged for review. I told her that it was a time sensitive purchase. The American Express Agent then advised me to make the purchase of {$1000.00} using my credit card, and that when my MR points were unfrozen, they could be used to pay the balance. I did as advised by the Amex employee. I attempted to call in about my points over the next month with no help. Finally a letter stating that my points had be retracted due to a prior similar card being opened. I called into CS and explained that i was told the previous card was different and i would receive a bonus on the new card due to it being a different category. I also stated that i had been misled by AMEX into making a large purchase to which i would be reimbursed for. Currently I 'm still with no help and i feel like amex has committed fraud and mislead me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was contacted by a company to transport a car from Virginia to Arizona. They demanded that I pay them via XXXX through chase bank. They sent a flat bed tow truck to pick up the vehicle at which time I paid them {$1200.00} through XXXX They were supposed to pick up the vehicle from the tow company and transport it to Arizona. They never called the tow company back and now I have to pay a {$770.00} fee to get the car from the tow company. The company that did this is registered with the DOT and FMCSA but they refuse to do anything. Chase bank also refuses to do anything since the transaction was through XXXX. They are knowingly aiding a scam company and allowing them to use XXXX to process their scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
Mercedes is overcharging and saying Im late when IM NOT. Ive overpaid and multiple payments throughout the years. I have 100 % payment hstory with ALL creditors. Mercedes is illegally charging random fees now its toward the end of the lease and I want this removed ASAP. This is incorrect. Illegal. and violates Section 15 U.S. Code 1666b - Timing of payments and violations of ( b ) Billing error A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Requesting for Mercedes Late Payment and Account Removal. Requesting Mercedes to waive all extra fees that incurred for being late as Im not sure what these are and never disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent a fraud Victim complaint and FTC report to XXXX   regarding the many inquires still on my report that are NOT mine and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for refinance payed {$660.00} to my existing mortgage bank Wellsfargo Process was canceled with out any notification Sent many emails asking for the status of the refinance and got no answer Asked supervisor to look into the problem and did not resolve my issues Can I file small claim in my state of Wisconsin to try to get my money back?

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 2022-08-28
Company: Experian Information Solutions Inc.
State: CA
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:
I entered into a consumer transaction with XXXX XXXX XXXX XX/XX/2022. Based on the condition of my credit I was pre approved for {$2000.00} credit limit ( see attached ). I then accepted the application because it would cover what I needed to purchase for my personal and or household goods. After I accepted the offer, I was told that correspondence will be sent to me in the mail. I received a letter dated XXXX XXXX stating that in order to complete my request, we require additional information to verify your identity. So I called the XXXX number provided in the letter ( XXXX ) XXXX and provided the info asked of me. At that time, another pull to my credit report was conducted to which the agent on the phone did not disclose to me that they would pull my credit. I was not informed that my credit limit would be subjected to the condition of my credit report arising from the credit pull on XX/XX/2022. This has caused me serious harm as defined in 18 USC 1589 ( c ) ( 2 ).

Pursuant 1581b ( a ) ( 2 ), my written consent is needed to furnish a consumer report about me. I did not give XXXX XXXX  and XXXX permission to pull my credit on XX/XX/2022 and they did not have the lawful authority to report to a non affiliated third party my nonpublic personal information. On XX/XX/2022 the credit card account was opened and reported to to the credit reporting agencies without my written consent. No consent due to non disclosure is not lawful authority. No consent is aggravated identity theft. It is my right to a fair and equitable credit report. Pursuant 15 usc 1681 ( b ), Im aware that under the Gramm-Leach-Bliley Financial Protection Act ( 15 USC 6802 ) my nonpublic personal information should not have been disclosed to any non affiliated third party ( Credit Reporting Agency ) without my lawful consent. 

Furthermore, the agent told me that I was only approved for a credit limited for {$630.00}. I then told the agent and her manager that, that I have already accepted the credit limit of {$2000.00} on the date that I extended my credit on the initial consumer credit transaction in XXXX, XXXX. They then told me that there is no application in the system for that limit. This is a breach of their fiduciary duty. 

See attachments showing proof that : 1. I entered into the transaction in XXXX. 
2. The XX/XX/2022 letter states in order to complete your request proof that an application was accepted in XXXX. 
3. The original credit limit I was approved for which is {$2000.00}.

4. Credit report showing the date open which is incorrect, fraud, and proof that they ran my report again on XX/XX/2022.

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 2016-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
i have disputed the info on my credit report with the credit card company for which they signed for on XXXX/XXXX/2016.. According to the FDCPA the credit card company is required to put a notice of dispute within 30 days. However when i checked my reports on XXXX/XXXX/2016 i saw that they failed to place a notice of dispute. I have already sent a letter to the credit card company regarding their violation and as of today they still have not removed the negative account from my report. 

This is my final goodwill attempt to clear this up out of court and without monetary compensation. If the credit card company does n't remove the negative accounts in a timely fashion i will sue them in small claims court nearest to me. I will request {$5000.00} as i have already outlined in my letter. 

I am attaching now the letter i have sent them and also a copy of XXXX credit report where you see their negative 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 2022-05-23
Company: CONRAD CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took a cruise to the XXXX in XXXX of 2018. On a tour excursion there was a vendor advertising a timeshare. I went in to talk to them and I was told that they would buy out my XXXX XXXX and I could then use XXXX XXXX. When we arrived back to the US, I tried to use the website I was given to book a trip. The website was a fraudulent website, I could not book or anything else on the website. I then contacted XXXX and was unable to talk to any of the salespeople at that location. I tried to cancel this contract. XXXX  sent me an email stating that someone from the concierge service would contact me. I was not contacted. I disputed this debt with XXXX when Conrad Credit owned the debt, and it was removed. Now XXXX has put it back on my credit report. XXXX never took over the XXXX timeshare and did not perform what they said they would do. I am a Veteran and a XXXX. I feel I am being taken advantage of. I am unclear as to how two different companies can report anything on my credit report. I would like to have this taken off my credit from both companies. Where is the proof that they took over the XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was open on XX/XX/2016 and has an balance of {$260.00} I have no contact information I would like to know what services I received to accrue this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XX/XX/2016, I was fired from my job. Up until that point I was making payments every month. The program I was in required automatic payments. I called to see what my options were since I did n't have an income and they said I did n't have any and I will have to continue to make payments. I asked them how they expected me to make payments when I did n't have any income? They did n't want to hear it. They continued to take the money from my bank account every month causing my account to go seriously negative. I have a new position now however I 'm seriously in the hole because they failed to help in my time of need. I only wanted to postpone payments a couple of months until I got back on my feet again. They are a terrible company out to rob former students. I ca n't buy a house because of these loans. I will never be able to if they keep adding interest and fees onto my account. I 'm sick of it and extremely fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had my Citi AA MileUp card for a year. When I got the card ( XX/XX/XXXX ) and last month via agent Chat, I was advised that after a year I could convert the card to the AA Platinum Select Card. When I called to convert the card on XX/XX/XXXX, I was advised that my {$1000.00} Credit Limit was not enough and had to be increased to at least {$2000.00} to convert. The representative requested an increase which I was denied for. The denial reason ( received notice via email on XX/XX/XXXX ) was that the account hasn't been open long enough to be considered for an increase. I have spoken to multiple agents who stated that I should have been eligible to be considered for an increase after 6 months of having the card yet I have gotten this denial reason several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). After speaking with a total of 7 agents, another agent tried to request credit line increase on the same day and I got the same denial reason : account hasn't been open long enough to be considered for an increase. Therefore, I was refused the conversion to the AA Platinum Select Card and denied a credit line increase. However, when I applied for the AA Platinum Select Card on my own on the same exact day, I was approved with a {$6500.00} credit limit so it makes no sense as to why I was denied the conversion to this same exact card AND denied a credit limit increase to {$2000.00} ( up from {$1000.00} ) to complete the conversion. I have never been late or went over the credit limit so that can not be the reason for the denial.

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 2015-09-30
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received an email from the payroll department at where I work and they told me : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX : Tuesday, XX/XX/2015Subject : Request to speak with the payroll department about an employeeTo : XXXX XXXX, Got a call for you from the below company. They were trying to get funds garnished from your wages with the firm. I told them you were a XXXX and they said they will do a Release in Doubt. Not sure what the heck this is but thought you should know. 
XXXX XXXXTrans World Systems ( debt collector ) Ref # XXXX have no knowledge of a debt to Trans World Systems. They threatened to do a wage garnishment when they have not sued me nor do they have a judgment. 

This is illegal, deceptive and contacting 3rd parties about some debt and claiming that they will do a wage garnishment is completely illegal They need to be investigated.

Company response to consumer: Closed with explanation