BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I made a purchase in XXXX XXXX using my Macy 's credit card to receive a discount in the store. I never received a bill and forgot about the charge. I received a letter on XXXX XXXX, XXXX saying that Macy 's had been trying to contact me for some time. This was surprising to me as I had not received any letters, emails, or phone calls prior to this letter. I called and discovered that Macy 's had been charging me interest and late fees on my account and I asked to have a supervisor call me. I had not received a bill. In talking with the customer service representatives, it became clear that the ebills that I had signed up for were not being sent by Macy 's since they had changed my account from XXXX to XXXX XXXX. I confirmed with my bank that they would have still delivered the ebills even if the account number did n't match what was in my ebill list. Macy 's confirmed they did not have an email address for me, they had not sent me paper bills, and they did not leave me any voicemails indicating that there was an issue. Once I received a copy of the bill in question, I paid the amount owed for the merchandise bought. I waited for a supervisor to call me and no one ever did. After spending over an hour on the phone today, I finally was able to agree to pay the late fee and interest for the first month of non-payment ( {$29.00} ). I am very dissatisfied with the process Macy 's has for this issue. The first communication I received was a letter ( see attached ). I called and requested to speak to a supervisor, and was never called back. In talking with XXXX XXXX today, he was unable to tell me where they were sending ebills as they have no email address on file and his system apparently did n't say where the bills were going. He also informed me that while his system shows they called me, they do not leave voicemails for security reasons. I explained that I am employed so am not home waiting for phone calls and that I expect that if someone wants to reach me they will leave a voicemail, which XXXX explained their practice is not to leave messages. That is ridiculous. I was also told that when a customer signs up for ebills, they do not receive paper bills. Again, if a customer who in the past has always paid in full on time ( see ebill history attachment ), a reasonable person would see that there is an issue and contact the customer before 5 months have passed.

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 2022-10-17
Company: EQUIFAX, INC.
State: IL
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:
just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.and tracking number #

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: PRIORITY HOME MORTGAGE, L.P.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
When my, then partner, and I decided to purchase a home, we were referred to Priority Home Mortgage by our builder. When I met with XXXX XXXX at Priority the very first time I was clear of my relationship status and wanted to make sure that was not going to be an issue with a joint VA loan/mortgage. I was assured that everything was fine. This was XX/XX/2015. 

We processed all of the paperwork, were pre-approved for the mortgage as a couple. 

XX/XX/XXXX, I was contacted by another individual from Priority, I believe her name was XXXX, who asked for marriage documents. I relayed the same information that I had shared with XXXX. All of the sudden we could not get the mortgage, or deed to our home in both names, I had to go through the pre-approval process again. Everything. 

Once the dust settled, I went to XXXX 's supervisor, XXXX XXXX. After several conversations, he agreed that Priority personnel had messed up, and that my, now husband, and I would need a quick/Quit Deed after I closed on the house in order to get the deed in both my name and my husbands. He also agreed that Priority Home Mortgage would incur the cost of processing the second deed. Conversations as late as XXXX XXXX, XXXX confirmed that all was in order and that the Quick/Quit Deed could be processed the day after my closing. 

At my closing on XXXX XXXX, XXXX ( a separate entity ) told me that I would have to wait until I received my actual deed before I could move forward. 

I have now had my deed in my possession for over 2 weeks. I have reached out to XXXX XXXX at Priority Home Mortgage three separate times, including today, to get the XXXX deed processed and signed. I am getting no return communication from Priority Home Mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26
Company: Complete Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive a medication at XXXX Hospital located in XXXX, NJ. I have been receiving the drug there since I stopped going to XXXX medicine in XXXX XXXX for the same reason for the same reason. XXXX, the company that manufactures the drug placed me in an assistance program that gives me the drug called XXXX for free. XXXX hospitals send claims for the drug to my health insurance making claims as if they purchased the drug in their own pharmacy. XXXX medicine has already sent my bill into collections even though I have made many attemps to resolve this issue by getting funds from drug copay assistance programs, that they refused to accept. XXXX hospitals wait until a year later to inform you that you owe them money which I had no idea about because I thought that I received the drug free through XXXX, the company that makes the drug. This process has been a nightmare. The do n't even want to resolve the issue when XXXX calls to discuss the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX/XXXX/XXXX, Citi advertised " Earn XXXX bonus ThankYou ( R ) Points after you spend {$0.00} in purchases with your card within 3 months of account opening redeemable for {$200.00} in gift cards '' I applied the card but citi never honored the signup bonus. I give Citi 6 months to resolve this issue and eventually the falsely claimed I was not eligible. 

The application was submitted on XXXX/XXXX/XXXX with Application Id : XXXX Response from citi Date : XXXX XXXX, XXXX XXXX EST Please be advised that because this offer was posted online in error we are still working to resolve this issue ; only the account that were was opened during the time in which this offer was advertised will be eligible for the bonus points. The adjustment of bonus ThankYou Points for applicable accounts is scheduled to occur during the XX/XX/XXXX billing cycle. 

XXXX XXXX, XXXX XXXX EST The resolution regarding the promotional offer that was posted in error was scheduled to be corrected by XX/XX/XXXX. Unfortunately, this has been delayed and the bonus Thank You points will post to your account XX/XX/XXXX. We apologize for any inconvenience this may have caused. 

Date : XXXX XXXX, XXXX XXXX EST We understand your frustration. 

At this time, the Thank you point have not been awarded. This concern is still under investigation. If awarded the points will be shown on the billing statement. 

We appreciate your business and value you as our customer. 

Regards, XXXX XXXX Senior Account Specialist, South Dakota Date : XXXX XXXX, XXXX XXXX EST Our records show the offer to earn XXXX bonus Thank You points if you spend {$0.00} was posted in error from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. Only accounts opened during this timeframe were eligible for the offer. We show that your account was opened after the offer was removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-06
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I traded in a car that I had financed only months earlier for a newer car actually I traded a XXXX dodge caliber for a XXXX dodge charger worth about XXXX monthly payments to be XXXX per month the salesman told me I could split payments which sounded great however I only make XXXX per year and was very naive and my first time purchasing anything period chrysler dodge sold me the car and chrysler capital financed it chrysler capital knew nothing of split payments over the life of the loan I would wind up paying over XXXX dollars I think all things considered that loan should have not even been approved I have lost the car to tickets the insurance lapsed because I could not keep up with all of it the car is in possession of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Synovus Bank
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
This company closed my account in XXXX 2015. They refunded me my entire security deposit and a statement with a XXXX balance was included as it should have been. 2 months later I get a statement from this company with a {$110.00} balance. I wrote and complained and was never given a reply. They have since sold the account to XXXX XXXX collection company. If your trying to rebuild your credit I 'd pass on this company as they have poor customer service and seem to be in some type of cooperation with XXXX XXXX for profit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
A concerning matter has been brought to my attention that an alleged auto loan and or repossession in XXXX that is listed under my social security number from a company or lender by the name of Santander Auto Loan Company. Chrysler Capital provided this information. 
I was given an account number and a phone number to the " president 's office '' of XXXX. 
I called and was on hold for about 1 hour. I spoke to a rep to inquire about this account and was told they was not authorized to speak to me and that they needed to speak with their legal department! 
I have NEVER had a loan or repossession from this company, EVER. I am trying to get information, because I was a victim of ID theft from XX/XX/XXXX to XX/XX/XXXX in California. 
I see that this issue is this or this is an error in their system. How can I get any resolution to this if they will not provide me with any information? This was NEVER on my credit like all previous identity theft items because it could have been resolved years ago. They are not assisting but Santander has an account tied to my social security number, and is effecting my consumer relationship and has cause a hinder to my already damaged credit. I can not get this resolved. 
I need to know what steps I should take on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I applied for student loans through the fafsa government website I was approved for a certain about of student loans. A couple of loans I had taken were from an agency by the name of Alaska Commission on Postsecendary Education ( ACPE ). The loans I agreed to take were all federal loans. I did not apply for private loans. I found out about a year ago that a few of of my loans through them were actually private. I did not apply for private loans. I had only applied for loans through fafsa which are federal loans. Now that I am in repayment status, the " private loans '' do not have the same terms as the federal loans and I had absolutely no idea when I received these loans they were not federal and did not have the same terms. I am in a bind now that these so called 'private loans ' do not offer the same income based repayment plans as do the federal loans. They do not qualify for consolidation with my other federal loan lenders and I had absolutely no idea this occurred. I have XXXX loans with ACPE, XXXX of which are considered private state loans. How is it that XXXX of these loans are private and the other XXXX are federal? I had no idea and was not informed of these not being federal. I signed the promissory notes ; however, they are the same for all the loans I loaned from them. None of the promissory notes specify any difference between the state private loans or the federal loans. I was misled. I was not given the correct information regarding these loans or I would have not taken them. I intended to not take private loans out and it appears as though I did and I am not sure how that occurred. I need to find help with this matter as they are hounding me regarding repayment now. They are not offering lower payment options like the federal loans offer and frankly, I can not afford the minimum payment they are asking. Especially with the low wages available to people at this point, I am unable to pay bills, let alone student loans. I did obtain my degree ; however, I am realizing it was a bad decision and wish I could just get a refund and return my degree. XXXX is a joke. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Starting XX/XX/2014 I accepted and signed a loan contract to purchase a new XXXX XXXX XX/XX/2014 from a local dealership with Fifth Third Bank. I had 60 days until the first payment was due. The loan states I owed 73 payments of {$480.00} monthly. The Bank later then sent a new payment arrangement with new and lower payments of $ XXXX/month we qualified for due to our ( co-signer ) credit score, however the extended more than 73 payments, This did not make sense to me. I still decided to follow and pay the first payments amount of {$480.00}, Bank sent a letter informing me that they charged extra fees for late payments and that they were charging me for insurance, when I already had my own insurance. I kept sending my monthly payments with money orders. Bank was persistent in charging insurance fees and late fees even when I contacted and showed proof of the vehicle being insured and asked why are my payments being received late when I sent payments weeks before due date. Bank would make multiple calls through out the day asking to bring my account current, so In good faith I sent {$620.00} on top of my monthly payment. Thinking that would resolve the issue. According to the bank payments were still being received late so late fees kept piling up which at this point I was just exhausted and hopeless, regardless I still stuck with sending Same amount monthly and ignoring their constant persistent calling and threats of repossession or delinquent account even though Im still paying? I received a notification last year that the Bank insured the body of car, I always had full coverage insurance on my car so why would the Bank on there own decision even insure the car? At this point I know the Bank just uses unfair business tactics against thier costumers for their greedy purposes. I researched reviews and noticed similar not far fetched experiences that I am going through as well. Finally one more last thing the Bank repossessed the car since my account has never been current, I contacted the Bank to see what solutions we can find to either just let the car go or bring my account current I was not paying one single dime more that I was certain of. The reps found out that all my payments were being received and could not explain to me why it was repossessed that shows how unorganized the company is. Long story short the bank returned the car back and stated that the account is actually current. I did not have to pay all the extra fees and past due amount they were charging all along. Its been almost a year since then. I continue to make payments but here again late fees and past due amounts come to hunt me again ... Im tired I want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX hired Financial Asset Management Systems to collect on my student loan. Financial Asset Management Systems ( " FAMS '' ) is engaging in deceptive debt collection practices. I had setup an automatic payment using FAMS ' own online payment system for XXXX 2016. For some unknown reason FAMS cancelled the automatic online payment for XXXX 2016, which made me allegedly late for my monthly payment. I have attached a screenshot of FAMS own online payment system. I went back and checked FAMS online system on XXXX XXXX, 2016 and noticed that XXXX had cancelled the payment and I made the payment on XXXX XXXX, 2016. The attached screenshot shows the cancellation from XXXX. To top it off, XXXX is trying to modify my credit report as a result of FAMS ' illegal debt collection tactics because XXXX is no longer reporting the payment arrangement to my credit report ( {$250.00} per month, 0.001 % ) with any of the credit reporting agencies which I 'm assuming is a result of FAMS ' action of canceling my monthly payment for no reason. There is no reason FAMS should have cancelled the monthly payment. FAMS is engaging in flagrant violations of the Fair Debt Collection Practices Act.

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 2017-02-16
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I XXXX XXXX believes that the credit reporting system works. There is a rule that is part of the Fair Credit Reporting Act known as the 7-year rule on reporting of a negative tradeline. My account with Santander was satisfied several years ago, and I believe that I am entitled to know when the definitive date is when the item comes off all respective credit bureaus. My credit bureau shows the first 30-day late XXXX XXXX, but I believe that I was at least 30-days late twice during fiscal year XXXX. That would mean that the credit tradeline should be removed immediately. Accordingly, I respectfully request a summary statement of each payment ever made by me to Santander since the XXXX XXXX procurement date of debt. Upon such a summary, Santander will see that the deletion timeline has long passed and that the account should be deleted from every pertinent credit bureau pertaining to XXXX XXXX. This credit tradeline must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Financial Services not following through on agreement to call and resolve my homeowner insurance situation with their " monitored insurance claim '' process. Ocwen promised me a call within 24 hours on Friday XXXX XXXX, 2015. I was told I would receive a call by the stateside team to address my situation. I have not received that call or any follow-up from Ocwen related to my calls that Friday. It is worth pointing out Ocwen has XXXX % of their staff and call center work in XXXX. Those staff are not XXXX, do n't understand the U.S. and basically read off a pre-scripted sheet. They are the only way to contact Ocwen currently. The only other way I 've found is to contact the CFPB for help. It was during that XXXX XXXX XXXX call center call I was appraised of the insurance release monitoring process they would implement. The problem is I already selected the contractor and had the work done to replace the roof and was not told of this until after! Their process was given to me after the roof completion and is not workable given what has already occurred. Ocwen told me I would receive a call within 24 hours to work out the situation. That did not occur. Beyond talking to XXXX, there is no way to communicate with Ocwen. I had submitted questions via their website months ago about another situation with no response to date. Try to contact them without using the cushy channel they 've set up to pretend the are working with consumers on financial matters in good faith. Please try so you can see what likely many are experiencing. Very difficult to interact with Ocwen and time marches on while the roofing contractor has completed the work and is waiting to be paid. Why no call from the stateside team as they told me I 'd receive? Why no email address to interact with Ocwen? I replied to their message ask for information on " Private Repair Guidelines '' as that is relevant for some work in scope. The email bounced as undeliverable. Or do n't contact us, we 'll contact you. Why not interact in good faith and follow-through as they stated with the stateside phone call to resolve given they created the initial error in not informing me of their process which is now unworkable. 

FYI : Ocwen is not an insurance company and are supposed to be loan servicing company. Apparently my loan was sold to them from a financial institution who said it would n't be sold! That will never happen again. I advise others to beware of and strike out the loan clause which says " Lender shall have the right to hold such insurance proceeds until Lending has had an opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction ''. Ocwen has taken that clause for a ride to include egregious recovery processes and not just a quality inspection.

Company response to consumer: Closed with explanation