BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a Checking account # XXXX and Savings account # XXXX with Citizen 's Bank and I have been doing all my transactions online or using debit card over the course of 2 years. I never received emails, text messages, or phone calls from Citizen Bank regarding my account balance and I have been responsible and current in all my banking transactions. On XXXX XXXX, 2016 I received a letter dated XXXX/XXXX/2016 from Citizens bank indicating that my account was overdrawn by {$180.00} urging me to make a deposit. I looked online to see why I was assessed an overdraft charge, assuming a fraudulent activity had occurred to make my account balance excessively overdue. It showed that my account was overdrawn by {$25.00}. The bank charged an overdraft fee, and then XXXX additional sustained overdraft fees within 5 days of the initial overdraft charge, without notifying me of the first overdraft charge or giving me the opportunity to rectify the matter. Another deposit and charge was automatically debited to my checking account two weeks later which then triggered another overdraft fee. A total of {$160.00} was charged to my account without letting me know by phone, text message, or email that my account was overdrawn. I visited a branch and was told that my account is only eligible for a one time overdraft reversal so the initial overdraft fee no longer applied and I just have to pay the 2nd overdraft fee and XXXX sustained overdrafts ( {$120.00} total ) to bring my account current. If the bank had informed me of the original overdraft right away, I would not have had to to pay any overdraft or sustained overdraft fees, but the bank did not call, text message or email me and kept charging sustained overdraft fees over and over again within a period of 5 days. The only letter I received is dated XXXX XXXX, and arrived on XXXX XXXX, 2016 ( 3 weeks after the initial overdraft charge ) which did not allow me the proper time or consideration to rectify my account before all the sustained overdraft fees occurred. I feel victimized as a result of the banks improper notification procedures. I also feel that the overdraft charges and sustained overdraft charges were excessive considering my previous flawless record and history of banking with Citizen 's Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had an American Express Business Gold Card that according to the statements gave two options for payments. 1 ) Pay ENTIRE balance at the end of the statement or 2 ) PAY OVER TIME and incur an APR of 29.24 % with a minimum payment of {$35.00} per month. I began using my PAY OVER TIME option in the middle of 2019. I never paid less than {$100.00} many times more than this. Shortly after doing this, I started to receive collection calls and I explained to them I could NOT afford to pay the entire balance and therefore was using the PAY OVER TIME option on my account and it was clearly written on the statement ( so I thought ) that IF I did NOT pay the entire balance at the end of the statement I would incur interest as had I paid the entire balance at the end of the billing cycle I would NOT incur interest. The collection call was never clear as all the calls are outsourced. I then started receiving collection third party calls and they forced me into a payment arrangement of which I accepted in the amount of {$140.00} per month of which is automatically drafted every single month for over 6 months now. I receive a statement from AMEX monthly showing that the payment is being charged and all I needed to pay was {$35.00} min payment, yet was forced to pay the {$140.00} monthly. In addition to this mandatory payment they are charging interest of 29.24 % on top of the {$140.00} monthly and the interest they are reporting they are reporting this as a CHARGE OFF every single month and it is ruining my credit and I have tried to dispute this with them through the credit bureaus and they have made this worse! It is incredibly misleading. Please help. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously filed a complaint with the CFPB about a fraudulent auto loan account with Wells Fargo Dealer Services in XXXX of XXXX. I have never applied for the loan or opened it. I did not purchase a vehicle in XXXX. In fact, I was not living in the XXXX in XXXX  and I still reside XXXX XXXX XXXX. For the past several years I've been trying to resolve this issue, yet no one has ever spoken to me about it. As I said, I do not reside in the XXXX and haven't for over a decade. I have given up Wells Fargo representatives, and ever someone name XXXX XXXX, the only practical way to get in touch with me over the past several years and I have yet to speak to someone in the fraud department with Wells Fargo. This account is almost 7 years old, no one ever paid on it, the address used to open it is not mine, the signature used doesn't belong to me, it hasn't reported in several years on my credit report, however, continues to cause problems for me. I have now gotten a lawyer involved and will do whatever I takes at this point to resolve it, even if it means going to court. This is an auto loan account that was opened fraudulently nearly 7 years ago, no one has ever bothered to discuss it with me despite my many efforts to talk to someone from the other side of the world several time zones away, and the account hasn't reported anything in on my credit profiles, yet it is still there. I want it removed now! It's a 7-year-old account that is fraudulent, what is there to discuss at this point? Besides, as I said no one has ever contacted me from the Fraud Department despite my efforts to reach them. Remove it now!! I have now gotten an attorney involved to have it removed. I just want this off my credit 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 2020-06-09
Company: EQUIFAX, INC.
State: MO
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 recently obtained a copy of my credit report and it appears that Equifax and XXXX  are not reporting any trade line history. Only XXXX  is reporting any credit history on my behalf. I have contacted both Equifax and XXXX  and they can not find any identifying information on my behalf in their system. This is very concerning because there are fraudulently items being reported on my credit report by XXXX. I have attached a copy of my drivers license and social security card for reference. Please review my credit report and include credit history for both Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2017-01-19
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient services my Federal student loans. I was enrolled in an Income-Based Repayment Plan XX/XX/XXXX. I realized something was wrong when my payment amount increased dramatically XX/XX/XXXX. I called Navient and was told that I did not complete required annual recertification to maintain lower payments. I told them I never received notification through email, mail, or otherwise that this was required, when it was required, and what the consequences would be if it was not done on time. It was only when I logged into my Navient account and checked the Correspondence section that I saw they had sent an overdue notice regarding the need to recertify. I do not fully understand the penalty except that I believe a whole year of payments were basically wiped out. I did not submit a complaint because I did not fully understand everything and was assured that notice had been sent. My student loans are about {$60000.00}, so a year of interest or whatever the penalty was is enormous. Please help me understand what I can do to make Navient own up to their inadequate notification and correct this problem. And by the way, I have never missed a payment or been late on a payment even when my payment unexpectedly increased more than 100 % from one month to the next. Thank you for your help, and I hope by submitting a complaint a year later that it does not diminish any chance of correcting this problem. Thank you very much. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I got a call from Cash Call on XX/XX/2016 and was offered to refinance my mortgage at XXXX % with no costs and no appraisal ( I had recently gotten an appraisal with them, but was given a " bait and switch '' to a higher rate, so I declined that loan. ) This time, they said the previous loan handler screwed up, and they would help me make this one go through. I filled out all their paperwork, emailed them copies of all supporting documents they wanted. They then said they were waiting for a response from the credit union that was holding the loan for my solar panels, which needed subordinating. I waited and waited and kept calling them and asking why the loan was being held up. They kept saying the credit union did not respond. I then contacted the credit union and I now have proof that Cash Call did not notify the credit union until XXXX ( and they promptly responded on the XXXX. ) In other words, Cash Call dropped the ball and did not get the subordination they needed until almost XXXX weeks later - at that time, rates had gone up, so they no longer wanted to honor the offer they made me. Meanwhile, my credit score has the ding of the extra credit score pull, I have wasted all that time and effort getting them docs, and they want to weasel out! It was their fault! They dropped the ball -- not me! 

To make matters even worse, this is the second time!! The first time ( a few months ago ) I even went through the entire hassle of going through a home appraisal. I kept telling the loan agent that I would only refinance for a no cost rate of 3.75 % and they kept saying " we will work something out. '' After completing everything, filing for the loan, getting the appraisal, etc, they did a bait and switch and came back complaining saying " Come on! After all that work, you wo n't accept a higher rate? We ca n't do the lower rate we had mentioned. '' -- - I reminded them that I had been telling them all along I would not agree to a higher rate. They cancelled that loan, and my credit score plummeted. Now they are at it again!!! What is going on? Do they get money for getting people to agree even if the loans do n't go through???? 

If you need proof, I have all the phone calls recorded myself ( and they do too ) for which I can provide you the XXXX files, and I have all emails.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Spring Equity LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan XX/XX/2020 and started submitting paperwork to the lender. After submitting all my paperwork the lender began reviewing and stated that my DTI was too high. I called and asked for more information and uncovered that 2 sources of income were not included in their calculation so I asked that it be corrected. After that conversation on XX/XX/2020 I have been unable to reach my loan officer. I spoke with her manager and was assured that it would be corrected but I have still struggled to get information from the company. At this point ( XX/XX/2020 ) I am seeking other lenders for my loan because I am unable to get access to anyone at the company who can help me. I was told the loan would close in 7-10 days from application clearly will not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After I have spoken to them, or my father has spoken to then because the also call his phone about the debt, they still call at least 5 times a day. Even when payments have been made. Even when I personally have discussed payment options with them. No matter what I receive at least 5 phone calls a day, including weekends. If I ignored a particular number, they will call from several different ones and use the alternative numbers to call me 5 times a day. 

They call my father and demand he pay more than he can or threaten other case action when he does n't give the response the want. Some agents are very nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cancelled my credit card with Bank of America approximately six months ago. At the time my online account was unlinked from my card account. My credit report from transUnion is now showing that the account is 120+ days past due. I am unable to log on to my account online to check the account status. My account should have been cancelled before any late fees or interest accrued to make it past due.

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 2015-10-11
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I remortgaged with roundpoint loan number XXXX just under 2 years ago. A couple of months back I rang them to ask about re-valuating my property. The women on the phone said to me that if I was at 78 % I could get my mortgage insurance removed. Knowing I was very close I decided to get a valuation on my house. The valuation came in at XXXX, which means 78 % means an amount outstanding of XXXX meant I could get my MI off. I owe around XXXX. Now supposedly they tell me that since my loan is seasoned less than 5 years it has to be at 75 % at loan to value ratio, before my Mi can come off. This figure was never mentioned to me when I spoke to the agent. The recorded conversation with roundpoint advisor where I repeatedly said will it come off if it is at 78 % the answer was yes.. This is also was their website says. Now they say I can not remove my MI eventhough I am under 78 %. I want them to pay for my valuation since their agent gave me the wrong information.I only got the valuation done knowing I was close to the 78 % mark. Also I have been told legally as soon as you are under 78 % the MI has to come off. I have not missed any payments. I did fill in their form and on it does say you have to be 75 %. However since I was not clear I rang their advisers to ask them who told me it should come off at 78 %. I told Roundpoint that the mortgage has been mis- sold to me and the information I was conveyed was also incorrect. I also asked them to listen to the recorded conversation I ahd with their adviser who informed me that it will come off at 78 %. I did not get a reply. The only reply I got was to say my MI could not be cancelled and did not mention anything about the conversation I had asked them to listen to. Please can you let me know if legally they can avoid my MI coming off eventhough I am under 78 %. Also are they not legally obliged to give me the correct information when I ring them. I would like my MI to come off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: U.S. BANCORP
State: IL
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:
My credit card with US Bank was suspended because of suspicious charges. Before being notified, I noticed the- charges and attempted to contact bank on XX/XX/21. I could not be connected to fraud specialist at the bank. I sat on hold for XXXX minutes+. I called daily several times a day until XX/XX/21. I waited for 30 minutes+ and was never connected to a person. I went to the physical bank in XXXX XXXX, il and talked to them there. I was told that I had to call fraud prevention to remedy my problem. I tried calling again.and was never connected to a person. This is the XXXX time my credit card has been hacked this bank. I fear that there may larger data breaches happening that put consumers at risk. Also, I am not sure how to try to remedy this situation if there is no way to contact US Bank. Any help would be greatly appreciated! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Overcharging for Escrow Account Shortage Account According to the SLS Mortgage Statement for XX/XX/XXXX indicates that my monthly mortgage payment is {$2900.00} which includes {$1200.00} for my escrow balance. The {$1200.00} includes {$800.00} credited for my XX/XX/XXXX shortage escrow account and {$400.00} credited toward my current escrow for XX/XX/XXXX, this is the information from an SLS mortgage statement dated XX/XX/XXXX. The SLS online account indicates that the only escrow balance is {$750.00}. Why am I being charged more than the balanced due for my current XX/XX/XXXX escrow and XX/XX/XXXX shortage escrow account? 

I have contacted your customer service department a number of times and have not received an accurate response.

Your immediate attention to this matter would be appreciated.

~Concerned Consumer c : HUD Consumer Financial Protection Bureau ( CFPB ) Complaint Dept.

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 2020-06-09
Company: BARCLAYS BANK DELAWARE
State: PA
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 XX/XX/XXXX I filed a dispute with Barclays card services ( XXXX ) protesting the refusal of XXXX XXXX to grant me a refund for the flight that had been cancelled because XXXX XXXX closed its borders because of Covid-19. 

Also on XX/XX/XXXX the very day I filed my protest, The US Department of Transportation ordered all airlines to offer a refund of Covid-19-cancelled flights. I sent Barclays the link for the order on XX/XX/2020. 

Barclays granted provisional credit for one ticket only. I advised them on XX/XX/XXXX that there were 2 tickets @ {$430.00} XXXX each for a total of XXXX. They did nothing to revise the amount of the dispute. 

In a letter dated XX/XX/2020 Barclays removed the provisional credit and reinstated the charge for the one ticket. They told me that because the contract terms between the consumer and the airline provides only for a credit that, the merchant bank did not have to honor the refund. I told their representative XXXX, by phone today that this ignores the order issued by the DOT. She said that they don't consider anything but the contract. I believe the DOT order supersedes the language of the contract. To date they've done nothing about it.

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 2017-05-21
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
California auto Finance is reporting inaccurate information on ny report putting that i owe more money than i do they recieved the car back and sold it and never adjusted the price

Company response to consumer: Closed with explanation