BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was a student at XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX and they shut down / sold to become another school. I asked for my transcript for years and was never granted XXXX. In XX/XX/XXXX I attended XXXX for a few semesters and even they could never get my transcript so I could n't continue without my grades and I did n't want to start over. I told several representatives that I wanted to file complaints. Since I was never able to receive my transcript, I wanted a loan forgiveness or something of the sort. XXXX and Navient NEVER helped me. Every time I ask them to put it in forbearance or deferment it 's supposed to be for XXXX months but I get calls about it a few months later saying I 'm XXXX days late. My loans have almost doubled and for what?! I ca n't even have a piece of paper with my name and achievements on it! I have nothing to show for my loan debt! This is going on XXXX years since I started school and it has been the worst decision of my life! It was supposed to make things better for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed that the balance with Equifax.A balance incorrect on my credit report for a particular account XXXX. They are reporting that I owe XXXX but my account balance with XXXX is lss than XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: TENET HEALTHCARE CORPORATION
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Financial Control has contacted me about XXXX debts that I do not owe. When I called the licensing department of XXXX the woman I spoke with said the address I gave her ( XXXX XXXX XXXX XXXX, XXXX XXXX ) was not pulling up a license in her system. Regardless of their response to my dispute, they are not legally bonded at the address they continue to use to contact me with.

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 2017-03-29
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello - I opened a new Citi bank account. The account has a promotional offer attached. I believe I satisfied the terms of the promotional offer, but Citi does not wish to honor the promotional offer. 

In direct correspondence to me from Citi XX/XX/2016 Citi says : XXXX " The terms and conditions of Promotion XXXX are as follows : 1. Open a new Regular Checking account in the Citigold or the Citibank account package by XX/XX/2016. 
2. Within 30 days after account opening, make a minimum deposit of {$15000.00} or more into your new Checking or new or existing Savings Plus account. 
3. A minimum balance of {$15000.00} is required to be maintained in the Checking account or existing Citibank Savings Plus Account for 30 days from the date of deposit is made. '' I have satisfied these terms and conditions but Citi will not honor the promotional offer as they claim that I am a current signatory on a joint Citi banking account with my wife, and that this negates my eligibility for the promotional offer. 

I believe that Citi mislead me in correspondence Citi XX/XX/2016 Citi says : XXXX as they state clearly the terms and conditions to be approved for the offer and I meet these terms. 

I shall attach this correspondence from Citi with this complaint. 

Thank you, 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 2016-04-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been on an income-based repayment plan. I submitted my application early for renewal but received no communications. When I called, I was told that they had not received the application from student loans.gov yet and would not for up to a month longer. I waited the month which put me close to the deadline and then called to be told that there was missing information. I had never been notified of this. I submitted the information, having been told that they would expedite the processing so that I would still make the deadline. They did not expedite the information and now I am being told I need to submit more information. I am now overdue with an amount I can not pay. I will have to pay fees and go into forebearance which compounds the problem of high student loam debt. If this was the first time I would consider it a mistake but this has happened every year I have applied for income-based repayment. Income-based repayment is the only way I can feasible afford this payment and feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We received an offer from Bank of America to refinance my existing loan with BAC. I called them to apply for a 15 year refinance, to replace our current 30 year mortgage with them, with 24 years remaining. We submitted all the documents required, XXXX, tax returns, social security benefits. My credit score is XXXX ; our credit usage is only 2 %. My income is in the mid $ XXXX. I have no debt other than my mortgage. I was never late on any payments. I paid {$450.00} for an appraisal. 
Bank of America rejected my refinance application stating " Debt to income ratio : Excessive obligations in relation to income ''. This is totally untrue, since I have a XXXX score from XXXX of XXXX, and a credit usage of 2 %. 
Absolutely no one from Bank of America responds to my phone calls or emails. 
Please help me in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: NC
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:
I have tried multiple times calling and mailing XXXX, XXXX and equifax asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Encore Capital, Midland & MCM attempt to collect a debt that was past the statue of limitations, and reported the wrong amounts on my credit report and refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Issue: Credit determination

Complaint:
We were denied credit and the bank said there is an American Express collection on our credit reports. There are XXXX account numbers listed for XXXX collection. We made another complaint and the response had NOTHING to do with our request. Please publish this issue as its unacceptable to not respond correctly. We are currently seeking other avenues to complain as well. We need either a XXXX or a payoff to remedy this debt. American Express can not ignore, legally, this request. Numerous calls to American Express have been futile as their call center is in XXXX and they can not pull up information or send information needed. We have also emailed the corporate office and will make a complaint with the department of corporations as that office has not responded. Calls to the corporate office are also futile. The XXXX account numbers end in XXXX and XXXX. Not sure what this means? This is affecting our ability to borrow money and the fact that American Express does not respond appropriately is not allowed by law as we have requested via phone and email and will send a letter today to their corporate office so also by mail as of XX/XX/XXXX ( today ) a response that is valid to satisfy this debt on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I have had an account in good standing with American Express since XX/XX/XXXX. There are significant monthly charges and payments often in excess of $ XXXX/year on this account without incident. 
XX/XX/XXXX I was informed that a 'credit review ' was requested despite re-assurance that the account was in good standing. This contact was made on a weekend morning before XXXX XXXX on my personal cellphone ( this account has been handled by my office through an authorized representative that works for me for more than 5 years ) and requested an IRS 'transcript '. I attempted to comply with the instructions of the 'financial review ' department whom I had never heard of before ( I initially thought the call was 'spam ' ) but was told they would not work with my administrator or accountants and that I must forward correspondence from the IRS to them in unopened envelopes ( so how was I to know whether there was an appropriate response or a form letter in the envelope? ). There was no further contact with American Express despite a note placed on the outside of the IRS envelope asking for them to contact me should the material not be responsive. 
This past Saturday at XXXX XXXX EDT I was telephoned by a representative who told me that although my account remained in good standing financially, American Express was cancelling my account. No recourse, no time to cure, no appeal. I asked for a transcript of this and my prior conversations ( always speaking on a recorded line ) and was told that I would need to submit a subpoena to the 'phone company ' since this recording belonged to American Express . Although I always noted the name of the individual on a call each time I was told that I could not reach the prior individual. I requested a supervisor and multiple times was told they would reach me in '48 hours '. A manager never picked up the phone or returned my calls. 
American Express holds itself out as a bank, identifies itself as a bank, and yet insisted on only addressing my account review on Sundays or Saturdays at non business hours not at my office, the official contact for me, but on my cellphone. 
The behaviors described above violate my rights to due process with a credit agency or bank and are distinctly punitive, in contrast to my 28 year history of business with this company. Clearly there is a rogue department in Arizona that is systematically destroying customer relationships and targeting individuals - this is not the standard of business practice that a company purporting to be a 'bank ' and a credit agency should be allowed to use, randomly targeting individuals with accounts in good standing for no clear purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-16
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company midland credit consistently keeps calling me XXXX everyday from XXXX again at XXXX then XXXX XXXX and XXXX or XXXX I consider this phone harassment. And i complained to the fcc about this in the past

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
This company stole {$400.00} from me. 

My account was closed with a {$400.00} balance. They gave a refund check for this amount. 
I accidentally tried to submit it into the wrong bank account ( brothers ). It was rejected. 
I then submitted to my bank account, with my name. It got rejected. When I called, they told me I needed to get it reissued because of the XXXX incorrect deposit. 

I have contacted Serve to ask them to reissue it. However, they refused to reissue it, saying the check was cashed. This is false, i have the check and it was never cashed. I made XXXX attempted deposits that both did not clear. Now they have my money and refuse to reissue a new check, like my bank told me to get done. 

Each time I call they continue to do nothing. It has been a month and I do not have my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to an error ( not submitting insurance payment from our escrow ) on the part of the Mortgage Servicer, beginning 2 years previous of notification to me, I was placed on " Force-Placed '' Insurance, and the payments went up from aprox. {$1900.00} per month to almost {$2600.00} per month. 
Even after we got our own insurance, we were considered a " High Risk '' insurance, and ca n't get the rate we used to have, but now have a {$2300.00} per month payment to deal with. 
I want to get my old payment back, as now this is a major struggle to meet payments, and I fear that I will lose my home due to someone 's ineptitude. 
HSBC 's attitude has been one of aloof indignation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a alert from XXXX XXXX that a new account has been added to my report and affected my score. I checked and it was from EOS CCA collection company in the amount of {$1200.00} from XXXX. I called the number provided by credit karma and called EOS. I gave them my S.S # 3 times and they could not find any account. Finally when I gave my phone # that 's how they located my account. Now I canceled my service with XXXX in XX/XX/XXXX after being a customer for over 7 years. I was not aware or told that I will be charged for cancelation of a contract with XXXX. I even called back in XX/XX/XXXX because I was charge a payment in XX/XX/XXXX and still was not told about the contract fee. I asked the collection company why I never received a collection letter or phone call. they said one letter was mailed to the address I moved from and they called me 35 times but it 's their policy not to leave any message. How am I suppose to know that I have a bill. I also called XXXX and was told it is stated in my contract that if I cancel my service a % 70 fee will be charge. A contract that I signed 7 years ago and no longer have to review. When I asked the collection rep why they did n't try to contact me instead of sending it off to collection they told me its my responsibility and they do not leave message either in regards to any collection. Now how am I suppose to know of a fee if I was not aware of it or even try to make payments on it had I know about this. I have a very good credit score, I work hard to keep all my recent credit accounts paid to date for something that I was not aware of or given the right to dispute or make payments on it. this collection has affected my credit score now. Mind you I did ask the collection company if I can make {$30.00}. payments since I 'm a stay at home mom. My husband is XXXX in the military and he pays all bills. I was told NO unfortunate they will only accept XXXX a month for 12 months for full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on my credit report that I have never lived at. I have never lived in Massachusetts.

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 2015-08-24
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I initiated contact with Chrysler Capital on Wednesday XXXX XXXX, 2015 to inquire as to what the dealer payoff for my lease vehicle would be. I was trading it in to the dealership and using the equity from the trade in to pay down the loan on my new purchase. At that time the dealership was provided a payoff figure that included the " lease buyout '' price of {$26000.00}, a {$350.00} buyout option fee and an " unpaid monthly payment '' of {$320.00} for a total of {$27000.00}. I called Chrysler Capital to inquire why I was being charged {$320.00} for an unpaid payment because my account was not past due and no payment was due until the XXXX of XXXX. The payment due on the XXXX of XXXX was for the least term of XXXX XXXX - XXXX XXXX ; however since I would no longer be leasing the vehicle as of the XXXX of XXXX, I should not be responsible for the XXXX XXXX payment for the next lease term. Chrysler Capital advised that when they generate a payoff letter, their system generates a figure that is valid for 15 days and thus because the 15 days was after the XXXX of XXXX XXXX when the next payment was due XXXX it would be included in the pay off figure ; however, as long as they received the payoff before the XXXX of XXXX I would receive a refund of at least the {$320.00} for the XXXX payment. The dealership mailed a payoff check on the XXXX of XXXX overnight mail to Chrysler Capital via XXXX with a tracking number of XXXX for the total amount of {$27000.00}. It was delivered on the XXXX of XXXX at approximately XXXX. As of today, XXXX XXXX my account shows that my payment is " past due '' and during my repeated attempts to contact Chrysler capital I have been told a payment of only {$27000.00} has posted to the account as of XXXX XXXX - yet they received the payment on the XXXX and they have no indication as to when ( OR IF ) I will receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank of America ( BofA ) just assigned a new account number, as there was a " data compromise at a merchant where you do business ''. BofA customer service representative state that the Bank does not know which merchant 's data protection measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply. Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate data security led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate data protection measures. I have no concerns about financial liability for any fraud : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of data security.

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 2016-01-01
Company: RAYMOND JAMES BANK
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had CDs on the other ( outside ) side of the bank ( XXXX ) that paid a better interest rate with a custodian ( Cetera ), whereby they opened and moved those assets to Raymond James Financial that I did n't request, The service was inappropriate, was stated soon to be a floor of {$500000.00}, and that a transfer fee to an existing other ( TDA ) account would be " waived ''. The account annual fees were substantially higher, and the transfer fee was not waived, I was lied to, feel that the entire process was an act of fee engorgement and account churn for the institution, and not the client.

Company response to consumer: Closed
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: FL
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 have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and Equifax is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after Equifax deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is Equifax will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: Netspend Corporation
State: KY
Product: Prepaid card
Sub-product: General purpose card
Issue: Advertising, marketing or disclosures

Complaint:
I was sent an offer for a prepaid card in the mail that included a printed card with a pre-activated account. I did not ask or authorize for this account to be created. This type of advertisement is dangerous as the card could easily be activated without my consent. I tried to contact the company, but am unable to reach a representative at any of their numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation