BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Due to the COVID Pandemic The XXXX XXXX XXXX allowed me as a cabdriver ( independent contractor/sole proprietor ) to apply for a COVID EIDL Loan. They also offered me a granXXXX. The grant was in two disbursements : {$10000.00} and {$5000.00}. I also received a loan in the amount of {$24000.00}. Upon receipt of these funds Citibank closed my account without any notice. The reason was because the money was deposited into my personal checking account. The XXXX did not specify that I needed a business checking account in order to receive the money. I have called the Consumer Fraud Protection Department numerous times but to no avail. I exhausted all my options, including asking if I could open a business bank account with them and have the money transferred. 

I contacted the XXXX. They advised me that Citibank needed to return the money back to them, after which they would reissue the funds to me in a different bank account. Citibank would need to provide me with proof that they returned the funds. I would then have to submit that information to the XXXX. 

As of today I have no contact with Citibank. I do not know what else to do. It's going on a year. The loan of {$24000.00} is accruing interest but I have no access to the funds. Any help you can give me would be greatly appreciated

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 2021-10-27
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a bill from Credit Systems Inc that should not be owed and the collection agency will not cancel it and is threatening to put it on my credit if I dont pay it. 
I had XXXX with an in network doctor in XXXX. I got a bill from some out of network provider that the surgeon called in to assist. The claim was originally processed as out of network and applied to my out of network deductible. The provider told me to appeal so I did. The claim was reprocessed to pay an in network rate of {$160.00}. The provider will not write the balance off and has sent me to collections, and the collection agency is threatening to put it on my credit if I dont pay it. 
# 1 : I did not sign anything agreeing to receive these services and there is no agreement between me and this medical provider. I have requested a signed consent to treat form agreeing to these services. XXXX  XXXX XXXX XXXX XXXX says I did not sign a specific form with XXXX  XXXX XXXX  XXXX XXXX, they said its just a general informational form that the hospital gives you and does not have a signature on it. I did not agree to these services. 

# 2 : I live in Colorado but my Insurance homeplan is a TN plan ( Human resources is based out of Tennessee ). There is a law in Colorado prohibiting balance billing when an in network doctor requests out of network services. I sent in my written dispute along with the Colorado statute. The provider/collections wont honor it because my plan is a Tennessee plan and they say it only applies to Colorado plans XXXX I then researched and found that Tennessee has a similar act prohibiting balance billing and sent that info in along with another written dispute, but the provider/collection agency says because services were rendered in Colorado, the Tennessee law doesnt apply to me either. I am exasperated and beside myself here. I dont know what to do. This is not fair and I should not be held responsible for this balance but no one will help me. The collection agency wont budge and says they will put this on my credit if I dont pay it. I have submitted another appeal today with my insurance but dont think its fair for collections to ruin my credit when there are laws protecting consumers from this exact thing! How do none of the laws apply to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a mortgage with Selene. I had fell behind in payments and Selene was playing games working out a payment plan so I filed Bankruptcy. So I went through years of making my bk payments and now that I am through and my bk is paid off and have received my discharge. I have worked on my credit and have a score of about 750. So it is time to get out of that 7 percent loan with Selene but however they will not give me my monthly mortgage statement. They said for some reason my statements are not being generated and nobody seems to understand why. I have made many verbal request for my monthly statements however to no avail. I need to make sure my payments are being properly applied. Im trying to refinance and need two past statements but Selene is failing or refusing to give to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
the company incresed the loand wen they gat car they did not takl us that loan was only interes only and nothing was to the principla. we traet to refinansed after 6 months cause that was the original agrrement. so far they just say they not refinancied and they say our loan its not paying any on the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: U.S. BANCORP
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
their website will never work iv tried on two phones and a laptop and they simply refuse to set up auto pay over the phone after calling in multiple times and given different answer every time asking for a sup no one will help me set up auto pay and the site will not work either have tried multiple different days and still wont work

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 2017-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I purchased this home after a divorce and worked 3 jobs to purchase my home as a single parent. In XX/XX/XXXX I lost my employment of 20 years with XXXX XXXX XXXX and was unable to make my mortgage payments. I contacted my lender, Wells Fargo Bank, and they granted me a Loan Modification with adjusting rates and payment as follows with a term of 40 years. Please note, my property taxes and home owners insurance are impounded in these payments approximately {$380.00} as follows : XX/XX/XXXX-XX/XX/XXXX - 2 % interest - Payment {$1200.00} XX/XX/XXXX-XX/XX/XXXX - 3 % interest - Payment {$1300.00} XX/XX/XXXX-XX/XX/XXXX - 4 % interest - Payment {$1500.00} XXXX - 4.6 % interest - Payment {$1900.00} ( increase includes HERO PROGRAM increasing property taxes by {$3000.00} annually instead of {$1500.00} annually ) XX/XX/XXXX-XX/XX/XXXX- 5 % interest - Payment TBD In XX/XX/XXXX, I was forced retired and was not able to gain full-time employment ; consequently ; I am was only able to get a part-time seasonal job earning approximately $ 1000 monthly during the months of XXXX through XXXX plus my social security benefit of {$1500.00}. I do not work during the summer months, therefore, my monthly mortgage payments are unaffordable during these summer months. <P/>Here is how this process works to apply for the MAP. You must submit over 100 pages of documents such as 2 prior years of federal and state taxes, 2 months of pay stubs, recent bank statements, letter of hardship, etc. However, only the " Income and Expense '' page is reviewed by the underwriter. If you have equity built in your home, then you are automatically denied assistance. Wells Fargo makes you believe they are going to assist you throughout the process but know you will be denied assistance regarding of your financial hardship, which Wells Fargo refuses to admit you have a financial hardship. <P/>PLEASE READ XXXX AND XXXX XXXX XXXX AND YOU WILL SEE HUNDREDS OF WELLS FARGO CUSTOMERS GOING THROUGH THIS SAME PROCESS AS I HAVE FOR 3 YEARS BEING PROMISED ASSISTANCE WITH THE MORTGAGE ASSISTANCE PROGRAM INSTEAD, CUSTOMERS ARE ALWAYS LOSING THEIR HOME TO FORECLOSURE. <P/>I am requesting that you please have my lender, Wells Fargo Bank, lower my house payment and not make me move or lose my home to foreclosure because this month, XX/XX/XXXX, I am unable to pay my mortgage payment. I beg that you please have these lenders help keep their customers in their homes especially after retirement.

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 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My husband passed away on  XX/XX/XXXX , I went to Bank of America  2 w eeks later and gave them his  Death Certificate.  BOA immediately shut down his online banking and closed his BOA credit card. They told me nothing else could come in or out of his credit card. As stated when I got home on the online banking was longer available. Two days later  XXXX  was taken out of our joint account for the cc. Spent ov er 3 hou rs on the phone, it took several weeks until they resolved the issue and then put the money back into the account. This happened again i n  XX/XX/XXXX ,  XX/XX/XXXX , and now again in  XX/XX/XXXX .  Everytime they tell me they have resolved the issue and that it would not happen again. Today I spent and hour and 41 minutes on hold and talking with no results, but with a promise of a call with in 72 bu siness hours. They have said this before, but I always end up calling back and going through the whole routine again. Last time I threatened to call CFPB and the money was in my account  XXXX  in 12 h ours. That did not work this time. None of the other  XXXX  accounts were paid out of my his online banking except for BOA. Very strange?

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 2022-09-10
Company: AXOS FINANCIAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Hello. I have been trying to contact anyone and everything for help. ( Axos Bank ) I am in DIRE need of my title for my vehicle. I moved from Florida to Indiana and I am TRYING to register my car in Indiana. My Florida tags expired XX/XX/XXXX and my LAST indiana 30 day temporary registration expires XX/XX/XXXX. After that date, my car will be illegal to drive. I have been trying to obtain my title from you and Florida since the beginning on XXXX and nothing. I NEED it desperately. I have children who need to be driven around and for school. How is this not able to be done. Please help! When I call Axos Bank, they have no record of asking Florida for the title. I have messaged and they said they sent out a request XX/XX/XXXX for my electronic title from Florida, and nothing, What am I to do? This is literally out of my hands. I need my title!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I've been getting pre-approval letters from credit Karma for years now & when I submit the pre-approval I still get denied & it give me a hit on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with the Arizona Department of Housing, under their Arizona Homeowners Assistance Program. They are ready to send funds to LoanDepot, my mortgage holder to cover any unpaid mortgage payments. They have sent LoanDepot several transmitted paperwork for them to complete. They call it " onboarding paperwork ''. Arizona Housing has not received any replys form LoanDepot. This has been holding everything up. The last time they sent the paperwork to LoanDepot was the middle of XX/XX/XXXX and still no response. My account under the Arizona Homeowners Assistance program is XXXX. My LoanDepot mortgage account number is XXXX. This has been going on since XX/XX/XXXX. Arizona Department of Housing said that they are going to cover over {$16000.00} of my past due mortgage but are hitting this roadblock with LoanDepot. When I call LoanDepot about this, they do not give me anybody or department I can talk to about this paperwork. I feel I am hitting a brick wall in trying to resolve my mortgage concerns, and trying to get back to normal with my mortgage payment program with LoanDelot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an American Express platinum credit card on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX the card did not work at XXXX XXXX gas station in the morning and then again on XXXX XXXX a day later.There was no intimation from the company either by phone, text or email regarding the cause of declination. 

Please note this card has annual membership fee of {$550.00} which is THE HIGHEST fee in credit card category. A reasonable consumer can expect a superior service experience when paying highest fees. 

When I called to express my displeasure at being denied simple transactions the employees could not give any satisfactory reasoning. 

I was charged {$550.00} annual membership fee in XX/XX/XXXX, the company states that the annual membership is refundable within 30 days of opening. 

In XX/XX/XXXX, company sent me a letter stating that the account is cancelled because of abusive behavior on my part, they kept my {$550.00} fees plus {$1100.00} worth of points that I had accrued. They further blacklisted me from all American Express products. 

I am a XXXX XXXX was attending to XXXX XXXX XXXX patients during XXXX XXXX have attempted to work with them, but no success. My consumer rights and first amendment rights stand violated, need CFPB help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-27
Company: Bread Financial Holdings, Inc.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an online savings account with Comenity Direct Bank in XX/XX/2021 by depositing eighty-thousand dollars. Due to a death in the family on XX/XX/2021 and an immediate need for my funds, I requested that the account be closed and the funds sent by check overnight. The bank said they preferred to send the funds by electronic transfer. I said transfer the funds to my linked XXXX XXXX  account. On XX/XX/2021 they said they would transfer the funds, and it might take 3 to 5 business days. The funds were never transferred. I made numerous phone calls to Comenity Direct to get my money. I spoke with numerous employees, including XXXX, XXXX, XXXX and XXXX. They all failed to solve the problem, and they all refused to give me the name and phone number of a bank executive. On XX/XX/2021 I spoke with XXXX, who said she was an executive. When she refused to give me the name and number of any corporate executive, I asked and she agreed to have a bank executive call me the next day. No one did. I am a XXXX year old male and the bank is guilty of senior abuse and apparently brank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My husband and I had an auto financed through Capital One. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The Capital One installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call Capital One the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since Capital One is saying I am not able to pay on it as there isn't a balance due by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: HYUNDAI CAPITAL AMERICA
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello. I have been trying to contact anyone and everything for help. 

I am in DIRE need of my title for my vehicle. I moved from Florida to Indiana and I am TRYING to register my car in Indiana. My Florida tags expired XX/XX/XXXX and my LAST indiana 30 day temporary registration expires XX/XX/XXXX. After that date, my car will be illegal to drive. I have been trying to obtain my title from you and Florida since the beginning on XXXX and nothing. I NEED it desperately. I have children who need to be driven around and for school. How is this not able to be done. Please help! I have contacted Hyundai Motor Finance and nothing.

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 2022-03-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I logged into my account with Equifax. I see XXXX different inaccurate addresses on file. I also see incorrect names for me. I was on hold, and no one ever came to the phone. I attempted to submit my utility bill but the online system would not let me upload it. This needs to be correct immediately. Many people have sued the credit bureaus for keeping inaccurate information on their report. This needs to be corrected and updated immediately, as it can, does affect the credit scores inaccurately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: FL
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 have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors. These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # When Speaking to CRA Fraud Dept, Customer Service Agent advised he could not disclose any business info relating to Equifax such as location, supervisor 's name, nor agent last name which I could not understand because this was the company that has my personal information and have inefficiently allowed furnishers to report information that they did have my expressed consent to do so. 

I demand Equifax to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theftXX/XX/XXXX Please understand I can only list from the file which I received from Equifax, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. I have enclosed a copy of my Identification I am also aware of the XXXX data breach which you failed to properly disclose your company was affected which resulted in XXXX XXXX XXXX XXXX  sensitive personal information. I am aware you have been deceiving consumers about the strength of your data security program and privacy policies and are continuing to cause me XXXX  and stress. 

Identity theft claim made to the FTC see attached.

Company response to consumer: Closed with explanation