BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: Navient Solutions, LLC.
State: WA
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:
I recently received several letters from a company called NAVIENT. the letters state that I now have student loans with them. I called to inquire using the account number on the letter. I asked what these loans were but the representative and supervisor could not validate these loans. they have no promissory note nor my correct date of birth. they asked me to send them copies of my social security card and drivers license. I do n't own these loans and I have no idea who or what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Citibank in XXXX of 2021, specifically to take advantage of a promotion ( XXXX ) they had in which you would receive a {$300.00} bonus for depositing $ XXXX in a checking account and maintaining that balance for at least 60 days. I opened my account over the phone via a Citibank representative and clearly told them the reason I was opening the account was for the bonus. She opened my checking account and my initial deposit of {$15000.00} was deposited on XX/XX/2021, within the XXXX deposit period stipulated by their conditions. After not receiving the {$300.00} bonus after the XXXX period, I called Citibank and they told me I had to wait another 90 days for it to process but that my account was showing that the bonus would be applied. I called back XXXX more times before the 90 days just to check in and each time the representative told me that my bonus would be applied and that I just needed to wait. XXXX rolled around and I called twice since it had been over 6 months since my initial deposit. The first representative told me the bonus should have been applied already and couldn't give a clear answer on why it hadn't. She told me she would send the case to a supervisor and that I should receive an email or correspondence within 7 days. Within the week I got a letter stating that I did not qualify because the " linked savings account was not opened within the stated timeframe. '' I have several issues with this : XXXX. I specifically opened the account with the intention of receiving the bonus and I did it over the phone with XXXX of their representatives. If a savings account was required, she should have been able to open that for me at the same time. 

XXXX. Their promotion also specifically says " earn a cash bonus... when you open an eligible checking account and complete required activities. '' There is no mention of opening a savings account on all of their promotion brochures, etc... If there is a savings account stipulation mentioned it is hidden in their fine print. 

XXXX. I was told multiple times by Citibank representatives that I qualified for the bonus and that it would be applied to my account with time. I waited over six months from the time I opened the account and then they ended up sending a denial letter. 

I can provide more details if necessary and if Citibank actually records their calls they have multiple conversations recorded of their representatives saying the bonus should have been applied.

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 2016-07-07
Company: Siwell Inc
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage in full to Capital Mortgage 3 months ago. I have called 4 times for the satisfaction of mortgage to be sent to me, and all they can tell me is I am " in-active. '' They are telling me they do n't have the deed, and I wo n't get anything proving I paid the mortgage. My mortgage was sold several times over the years, so I am not sure what happened with the paperwork. I last spoke to XXXX at XXXX, ext XXXX on XXXX. XXXX. All she could tell me is that loan is in-active, and my prior conversation with XXXX told me XXXX was the person in charge of sending the satisfactions out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I recently applied for a HELOC ( home equity line of credit ) with Bank of America ( " BOFA '' ) and they quoted me a {$100000.00} HELOC at variable rate. Before asking me to run my credit, they told me their desktop appraisal provided a value for my property sufficient to cover a {$100000.00} HELOC. I agreed to have them run my credit based upon the interest rate they quoted me and based upon the property value they quoted me. Had the interest rate they promised and the property value they quoted me been less than as represented by BOFA, I wuld never have allowed them to run my credit. BOFA informed me that my application had been approved and also opened up a web portal for me to submit paystubs and w-2s. After I spent significant time and energy, they informed me that they had re-reviewed my application and that suddenly I did not qualify for the HELOC as represented and that they suddenly needed more information to review the property value on my home. After a couple of days, they contacted me and told me that I did not qualify for my HELOC suddenly and a few days later, I received a letter informing me that I had been denied credit. BOFA is engaging in a bait and switch process that has now hurt my credit because the credit inquiry remains on my credit reports. This is fraudulent conduct and I am demanding that BOFA remove the credit inquiry they conducted based upon false pretenses. Had they not told me that my property qualified for a HELOC ( based upon value ), I would never have allowed BOFA to run my credit. BOFA 's credit inquiry should be removed from my credit 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 2021-12-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a high-interest savings account with XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX, I deposited {$100.00}, and then on XX/XX/XXXX, I deposited {$40000.00}. I received a mailed letter in late XXXX requesting copies of my DL and other documents to verify my identity, stating my account was suspended. I wrote a message to the bank in the bank 's online messaging portal on XX/XX/XXXX that read the following : Hi, I got a letter saying that my account has been suspended, and you need more info from me. I just want to make sure that the letter is legitimate before sending my personal info. Thank you! 

On XX/XX/XXXX, I received a reply that simply cut and paste the text from the letter I had already gotten. I sent in all required documents by mail in XX/XX/XXXX. 

On XX/XX/XXXX, I still had heard nothing and my account remained restricted, so I messaged the bank asking for an update. I got no response. I wrote again on XX/XX/XXXX again asking for an update. This time, the response was an auto-generated message that read : Thank you for your message. One of our customer care representatives will respond to your inquiry within the next three to five business days. If you need more immediate assistance please call us at : XXXX. 

But I never actually received any response to my question. 

Finally, I called the bank on or around XX/XX/XXXX. The rep I spoke to had no access to information as to why my account was still restricted and said they would forward my request to a manager. 

On XX/XX/XXXX, I got this message : Dear XXXX, Thank you for contacting Comenity Direct Customer Care. 

This request is still under review. 

Please let me know if you have any additional questions or if I can be of any further assistance. 

I have yet to receive a response, despite sending multiple messages again. 

On XX/XX/XXXX, I called again and the rep I spoke to again could not find the reason for my account being restricted, and said she would send a request for an account status update. I requested to close my account, as I no longer trust this institution with my finances, but was unable to do so, because of the account restriction. 

In short, my account has been restricted since XX/XX/XXXX, with no response from my bank as to why or how to resolve this immediately. These are my only savings and I need to be able to access my money. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Renton Collections , Inc. sent a bill from the original creditor, XXXX XXXX XXXX, account number XXXX in the amount of {$320.00}. This amount includes the original bill of {$300.00} plus {$15.00} in accrued interest for a total of {$320.00}. After contacting a customer service representative on XXXX XXXX 2015 to locate the original creditor which assigned the debt to collections, I told the collection agency representative the insurance agency had already paid the bill in full. The collection agency representative angrily denounced the statement claiming they had no such information. When pressed for details about the original creditor, the billing collection agency refused providing the information claiming they did not have to provide it. I asserted that per FCRA, the collection agency did have to provide the information from the original creditor in writing per my request. However, the billing collection agency representative still refused to do and refused to turn the call over to a person in charge per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: MO
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:
Experian ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ) continue to report inaccuracies, errors, erroneous, deceptive, misleading, false, and unfair practices on my Consumer Report with XXXX XXXX  ( XXXX ) and XXXX XXXXXXXX XXXX XXXX  XXXX & XXXX ). This account has numerous violations that I stated in the letters. For example, one violation is reporting payment history. Since the charge off date of XX/XX/2020, XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Experian a charge off every month and it continues to updating the payment history on the accounts. Charge Off accounts should not be reporting active payment history past the charge off date. This is falsely and illegally manipulating the date of last activity of this debt.

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 2017-02-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
There is a loan through Navient that I keep getting harassed about. I have heard about a lawsuit against Navient, and I 'm uncomfortable getting the multiple calls and emails. There is now a negative score on my credit towards this. I am not sure how old this loan is for. I have already paid XXXX directly for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
bank of america has responded 3 times now stating they think i have been a victim of fraud, NO XXXX!!! BANK OF AMERICA IS THE ONE COMMITTING FRAUD!!!! THEY REFUSE TO LET ME FILE AQ COMPLAINT FOR FRAUD AND THEY ARE REPORTING ON AN ALLEGED DEBT THAT THEY CAN NOT PROVE!!! ITS OVER 7 YEARS OLD TOO!!! THATS AGAINST THE LAW YOU CRIMINALS!!! DIRTY ROTTON SCOUNDRELS YOU ARE!!!! 
YOU DO NOT HAVE AND CURRENT VALID CONTRACT WITH ME YOU CAN NOT PROVE THAT DEBT IS MINE!! 
YOU ARE IN VIOLATION HAVING THIS FAKE DEBT FOR OVER 7 YEARS CRIMINALS CRIMINALS CRIMINALS!!!!!!!!!! PLEASE ANSWER MY QUESTIONS YOU ROTTON CRIMINALS, SILENCE IS ACQUESCENCE, SILENCE IS FRAUD, SILENCE IS GUILT,!!!!! WHY WONT YOU ANSWER TO ME CRIMINAL!!!!

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 2015-11-03
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Short sale solutions is working on a short sale on behalf of XXXX XXXX XXXX, she has XXXX loans the first is with XXXX XXXX now XXXX ( XXXX loan ) the XXXX is with Nationwide Credit Inc . Per XXXX guidelines a XXXX mortgage should only receive a max of XXXX from short sale proceeds, nor seller, buyer or agents are allow to contribute. Nationwide Credit Inc is insisting we give them a higher payoff amount despite the fact that we are prohibit to do so per XXXX. The seller has complied to all requirements, has provided all the information requested by NCI that proves her financial hardship, seller is trying to avoid foreclosure, XXXX is willing to work with the offer amount we have, however we can not proceed because NCI is NOT willing to release the lien and issue an approval letter for less than 20 % of the unpaid principal, the total amount due is XXXX. We are afraid this will lead the homeowner into a foreclosure. We can not issue more money to NCI, we would be violation of XXXX guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30
Company: GREAT LAKES
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Why are the interest rates so high to get an education in the US. I can not afford my base payment even though I make a good wage. The loans do not take into consideration life and the cost of taxes on your income. I am going to need to get a second job just to find a way to pay these. I appreciate the education. I should not even have my loans from 20 years ago because I went through the program through unemployment. but they never paid. XXXX me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$250.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/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 2021-12-22
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice of a debt owed which I sent in a payment and the check was cleared on XXXX XXXX, 2021. I continue to receive notices the debt has not been paid and phone calls. I have sent two notices back with copies of the cleared check in XXXX and XXXX yet the debt collections agency claims they have no record of the debt paid off. I am attaching one of the bills I have received along with a copy of my paid check in the full amount with the account number on the check. I received a phone call today and the person from the company first told me he checked with a supervisor to see if the debt was paid then changed his story to he checked an automated system. He refused to allow me to speak to a supervisor and stated they had no email address available for me to send the copy of the check and notice but wanted my e-mail. The company is A.R.M Solutions , Inc. address is XXXX XXXX XXXX XXXX Ca. XXXX ; ( XXXX ) XXXX ( This information is from their website ). The notice has a XXXX XXXX XXXX XXXX and phone ( XXXX ) XXXX. Their website lists an email address XXXX. Thank you for your assistance in this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a voice mail from XXXX, at Prince Parker & Associates, for me to call her back. I called her back and she proceeded right away to tell me that they were attempting to collect a debt from XXXX XXXX XXXX. When I tried to explain to her that I would need to contact XXXX XXXX XXXX back because we do not owe that amount. She cut me off and did not want to hear anything I had to say. She kept telling me that I was not calling costumer service that this was a debt collection agency and I was turned over for non-payment. That I could either pay it or tell her that I was n't going to pay it and she would not the account that I was n't paying and they would take action from there. I told her that since she was not going to listen to me. That was fine and that our conversation was over. She was extremely rude and aggressive during the entire call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I recently have tried to stop or change my auto-payment arrangement with Nordstrom rewards credit card. During the week of XX/XX/XXXX through XXXX I signed onto the Nordstrom website on four occasions and was unable to either drop auto-pay or change the payment amount from the full card amount to a lesser amount. I called three times during that week. On the first call on XXXX XXXX, I was told by the Nordstrom 's rep that the problem was my Safari browser. So I downloaded XXXX and XXXX and was unable to change the auto-pay arrangement. I called back a second time on XXXX XXXX and was told that Nordstrom had a website issue. This time they provided me with a fax number to cancel/change the autopay of XXXX. I faxed the request on XXXX XXXX. On XXXX XXXX or XXXX I checked online and nothing had changed - the autopay was still in place and I was still unable to change the payment amount from the full statement amount to a lesser amount. So I called Nordstrom again and this time they : a ) verified that there was a website issue and b ) took a verbal change to the autopay to a {$1000.00} payment for XXXX XXXX, 2016. THEN, on XXXX XXXX I received a form in the mail sign to stop autopay, and the form lectured me that the easiest way to do this was online. I signed the form and wrote an irate note on the form explaining that the website DID NOT WORK. NOW, yesterday, XX/XX/XXXX I received ANOTHER, DIFFERENT FORM IN THE MAIL, BASICALLY lecturing me again to make changes online and saying that nothing would change until I either made the changes online or mailed in this second different form. NOW I HAVE NO IDEA WHAT IS GOING ON!!!!!!!!! Have they changed the amount I am supposed to pay from the full statement amount to {$1000.00} for XXXX XXXX? Has the autopay been cancelled all together? Am I still going to pay the entire statement amount? WHAT IS GOING ON???????? After three phone calls with different instructions, multiple letters telling me to do different things, and a nonworking website I have no idea. Finally, if no payment is taken out I do not want to be penalized for a late payment because I have repeatedly tried to fix this and pay more than the minimum. Nordstrom card services are treating me horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
My Citi ( XXXX ) XXXX ( R ) Card charged me interest even though I paid my account in full. When I asked them about this, they said that with this particular card you are charged interest from the prior month on your daily balance, even if you pay your account in full.

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