BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2019 the bank transfer money from my personal account to my business and the amount of XXXX to cover overdraft fees from a claim that they are denied. And the representative said they was unable to transfer the money back On XX/XX/2019 I me transfer some money the amount of XXXX from my personal account to my business account. 
Accidentally I called the bank and spoke with one of the representative and they said the was unable to return the money. Also on XX/XX/2019 the amount 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 2021-06-10
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank offered me XXXX XXXX XXXX bonus miles for opening a savings account. 
I followed all of the requirements exactly in regards to content and timing. 
Minimum of {$10000.00} new to Citibank money held on deposit for minimum of 60 days and that would qualify for XXXX bonus miles. 
We fully understood that the disclosure stated the bonus would be paid 90 days after the account was opened. Well, We have met all the exact requirements and Citibank still has not delivered on their promise for the payment of 20,000 XXXX XXXX bonus miles. The time frame has passed. I believe this to be a systemic UDAAP issue where Citibank deceptively tries to gather deposits with the " promise '' of paying bonus in cash or flying miles only to not deliver according to their disclosure. We looked at all the complaints on line and it is absolutely amazing the amount of people have the exact same scenario!!!! This seems to be a recurring practice by citi not just a one off and I would hope that you as regulators and more importantly protector of the consumer will step in and make them 1 ) give me what is owed and PROMISED to me in their disclosure and promo and also penalize them and make them pay for this horrible practice. I am one of thousands!!!! Please contact them to have them deposit the bonus miles to my frequent flier account. This may seem trivial to some but it is a clear fact that I would NOT have deposited money with this bank had I not been offered the bonus miles. Citibank benefitted by offering a lower interest rate in exchange for the promise of the bonus miles. so they profit and the consumer ( me ) has to literally fight to get what I was told by them in a disclosure. I contacted them several several times by chat and they kept telling me do not worry the miles will be paid by the 150th day well they were NOT. Then they actually gave me a hard time for asking about it and acted as if it was no big deal. They have all the info all the contact and verified that I met all the criteria and timing!!! Please step in! 
Thanks!!!

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 2023-04-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never recieved that I owed this debt and I paid this debt in full over 6 months ago. It was taken off one of my XXXX but has reappeared back on XXXX and XXXX and also says we owe them a balance again. I tried calling them to get this removed off my credit and they refused to help me. We even attempted to pay the debt again for help and they refuse to help me.

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 2022-10-06
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. 

Zwicker & Associate, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. 

On the immediate top, left-hand side, the first thing I read was their address : Zwicker & Associates XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. 

However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. 
Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. 
( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does Zwicker include " XXXX at XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. 
Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXX at XXXX '' in the address ) on the front page? 

I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. 

Can your office please look into this? I see it as a stumbling block for many consumers. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to find out what steps I need to take to get the private mortgage insurance removed from my home loan. although my current XXXX based on the value of my home from purchase is below the 20 % threshold I believe that upon a re-assessment of the home 's current value I will be above the guideline for XXXX. 

I attempted to work through the companies automated service " truist assist '' early in XXXX and the system said it would get in touch with me within 30 days. A timeline that has been exceeded as of my writing. 

I attempted to call the company on the XXXX of XXXX and was instructed by the representative to mail a request to " Truist Bank PMI Department Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX '' I sent the letter on the XXXX of XXXX and have not received a response.

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 2022-04-06
Company: Porsche Financial Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On the XXXX of XX/XX/2022 I went to Lamborghini XXXX dealership for a consumer credit transaction and was denied and I was asked about my XXXX XXXX identification documents other rights were violated in the truth in lending act, XXXX, and etc by both parties Lamborghini XXXX and Porsche financial..both partys failed to comply with 15 U.S. Code 1611 and committed several acts pursuant to XXXX5 U.S. Code 1692e 1. I provided my bank account statements as requested by Lamborghini XXXX because I was self employed then I told them the organization/Corporation that supports me financially is a religious/education related purposes corporation/private organization and they intervened by asking what does ( it ; you ) ( organization ) do and then asked to see that bank account for the organization..TILA prohibits creditors from acting in a self-seeking manner XXXX especially when to the detriment of the client..I was Discouraged from continuing the credit application with 0 ( zero ) money down by Lamborghini XXXX dealershipLamborghini XXXX representatives kept saying you not going to get approved I already you are going to get deniedyou got to put some money down..also said verbally your denied because you have no credit or a previous + $ XXXX installment loanI Am only Exercising in good faith The rights under the Consumer Credit Protection Act and Enforcement of the Truth in Lending act..I have audio for the recording stating that vehicle I wanted has a finance charge..I called one of the companies the dealership sent my file to called Porsche Financial I asked them for a financial manager/supervisor and they would not transfer me and kept saying we cant assist youa woman I spoke to hung up on me ( recorded audio ) ..after several attempts I got to someone that assisted me with taking my information about my credit transaction in the underwriting department..name was XXXX ( XXXX ) XXXX said that he would pass on the information and contact the dealershipLamborghini XXXX told me that Porsche financial requirements a down payment at least {$100000.00} ( audio ) more information/evidence/discovery will be disclosed if I file a complaint in federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I continued to make payments throughout XXXX on my student loan of XXXX. I called in to Great Lakes Higher Education Corporation my Student Loan service provider to have my payments toward my XXXXXXXX XXXX refunded to me on XX/XX/XXXX. I was informed by rep that the request would be process within a week or 2. When I noticed 2 weeks go by I called in. Then the information changed to that it could be up to 30 days to process refund. I emailed Great Lakes again on XX/XX/XXXX and received an email back on XX/XX/XXXX that now I will would not receive until 45 to 60 days. Each time I have contacted them the date continues to be pushed back. I have been waiting for over 37 days now. I have recently been impacted by Hurricane Ian and this refund will help resolve some of the financial hardships I am going through. Thank you for any help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NY
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:
On this date I found a Hard Inquiry that was made in my name for a credit card. The date was XX/XX/2022. I notified the credit card company and informed them that I did not request this credit card. They immediately closed the 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 non-monetary relief
Consumer complaint received 2017-06-08
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I question Navient 's ability to handle payments. I made a one time {$500.00} payment on  XXXX   XXXX    XXXX   via my account website on Navient, and the payment was lost. When I spoke with Navient agent, although they were nice, the stated that the payment was lost, or not connected to my account for some reason, and they would work on fixing it for 16 days. I asked how this would be avoided in the future, and the agent was unable to answer the question. I paid online via my account page! How on earth could the payment have been disconnected from my account? I am so frustrated, and I do not feel that Navient takes ownership of this issue, despite the fact that I am a customer paying THOUSANDS to this company in interest. Where is the accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've sent a letter for validation back on XX/XX/XXXX. I've recieved no letter back in the mail. 

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Vermont Student Assistance Corporation
State: NY
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:
The Company VSAC uses an equation to determine their interest accrual. 

[ ( I x P ) / XXXX ] x XXXX. 

I = interest rate P= principal balance N= number of days since last payment. 

Given : Interest rate stays the same and every XXXX  days I have a constant amount directly withdrew. 

Does the interest amount that accrues go up or down every XXXX days? Mathematically it should go down. Correct?! 

Not VSAC, every week I am paying higher and higher accrued interest.. Making it almost impossible for me to pay the loan off. I can not make a dent into the principal balance. Then they capitalize the interest back on to the loan. 

I had communicated this to the company an they do not want to help or give a good answer. 
This company also did not let me pay off my interest AT ALL when I had my Federal loans with them. I would make HUGE payments back in like XXXX to try to pay of this loan and they would not pay the interest off. It is stated on ALL their literature that they pay interest FIRST. But not with me.. Then when the interest was not paid they capitalized all of it back to principal at the end of the year. I had to consolidate to get out of that. I have documents to prove that also but have to dig through files. 

I attached a document showing payments made and interest accrued. This just recently is happened again..

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 2022-04-06
Company: Better Mortgage, Inc.
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Records show my XXXX XXXX bankruptcy with a date of XX/XX/XXXX and its impacting my credit. Ive applied for several loans, credit cards and a refinance of my home and not letting me get these lans because of it. Its almost XXXX  years ago and it has an adverse effect to my credit score. It keeps popping up on my credit report as a negative. 
I also a XXXX XXXX  dated for XX/XX/XXXX thats negatively effecting my credit. Its also popping up as a negative on loan applications. The loan agencies Ive connected with all say the 2 issues above are connected somehow. 
Can you please help me with this matter? 
Im attaching the bankruptcy discharge, XXXX XXXX showing a zero balance. Please help me resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX2022 {$950.00} Zelle XXXX XXXX2022 {$1000.00} Zelle Supposed to be security and first month rent now he blocked me and wont send me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reported this company calling my number to collect a debt not mine on separate occasions. I reported them on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I have no knowledge of the debt they are attempting to collect. Since I refuse to provide them with my personal information, they refuse rudely to give any information about the purpose of the call. I would like to believe that something legally can be done to stop them from calling my number repeatedly in a harassing manner. 

I would be willing to pursue any legal means that may be provided by your organization.

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 2019-12-04
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The company didnt provide a resolution for this account. When I called the XXXX XXXX XXXX they said they dont have the account, but that Barclays has it they are still lying and giving false information.

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 2017-06-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had problems trying to pay online and I could not access the account. I eventually paid loan amount, but as a result of missing deadline, a {$25.00} penalty was imposed. The late fee represents 5 % of outstanding balance for  one  month. ( That is loan shark rates  ) .   I feel the penalty was excessive given the balance on the account was  one  payment away from payoff. They informed me that since they waived a fee in  XXXX   XXXX  that they were unable to waive this fee  (   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 monetary relief
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: CA
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 is an account opened in the year   XXXX   by an unknown person. This is fraud and was opened by someone who applied for this credit and maintained the balance while using the account. I have attached a letter directly from the legal department of the company to confirm that they said they checked the signatures on the account compared to my driver license and they do not match. Therefore confirming that this was fraud. I am requesting removal of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On  XXXX   XXXX ,  2017 , my credit application  ( Reference nu mber :  XXXX  ) was unreasonably delayed in violation of the following laws :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Professional Debt Mediation, Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Have contacted company twice in regards to the debt. This debt was charged off by the orginal company and closed. They can not verifie the debt and keep calling and harassing me at work and at 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 2017-06-08
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have made a an attempt to pay off my loan with USBank early and in full. They stated my pay off amount and I paid that in full. They then charged me an additional  XXXX  cents as well as an early payoff fee of {$75.00}  (  Statement date  XXXX  vs. Pay off over the phone on  XXXX  ). My contract with USBank clearly states that I do not have any early payoff fee. I believe this is systemic predatory charging that is being charged to all consumers that attempt to pay off a balance early. Please investigate so these big banks quit screwing our citizens. Thanks!

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 2019-12-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While Attending XXXX XXXX XXXX  back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.

Company response to consumer: Closed with explanation