BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have

a Sears Credit card. The interest rate is 25.24 % ( D ) ( V ) the card is backed by CITI Bank. This card 's interest rate is exceedingly high and takes advantage of minorities with poor credit. I called to see if I could have my interest rate lowered. I was told there wasn't anything they could do to help me. My XXXX has been shut down by the government. I see that this shut down will effect my income for at least another year. I believe CITI / Sears is taking advantage of low income people who are being crushed by the loss of their jobs. I believe my interest should be lowered to 15 % at the very most. Sears is g
etting cheaper money from the FED and taking unfair advantage of its ' customers.

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 2016-06-06
Company: Monterey Financial Services LLC
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was recently contacted by Monterey Collections via US mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. 

Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX ( XXXX ), XXXX for XXXX that was performed on XXXX/XXXX/2014. As explained by my physician at the time, and clearly printed on the company brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk ''. I have sent, via certified mail, copies of the EOB from XXXX XXXX XXXX denying payment for service rendered. 

I have now received an alert from XXXX, the company who monitors my personal and financial information against fraud and identity theft, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I have made three attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left detailed messages and requested they return my phone call to discuss this debt. After no response from them I have mailed a cease and desist letter along with copies of all the information from both the insurance company and a copy of the original agreement with XXXX , XXXX as noted above. 

I have very good credit and have worked hard to achieve this. I am retired and proud to say that I do not have any current debt. I do not feel that it is fair that I may be forced to hire an attorney to resolve this matter when I feel it is a clear example of unwarranted consumer harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I called Navient on XXXX/XXXX/XXXX and requested that the payment of {$70.00} that I was then making over the phone be applied to the principal balance of my unsubsidized loan ( XXXX Direct loan, disbursed on XXXX/XXXX/XXXX ). The customer service representative informed me that he would apply my payment of {$70.00} to the principal of my " XXXX Direct loan ''. I further clarified, and asked him clearly, again, if the payment would be applied towards the principal, not the interest, and he told me that the balance of my payment made on XXXX/XXXX/XXXX would be applied towards the principal. I told him if the payment was going to the pricipal, that I would make the payment, he agreed, and so I made the payment. 

I called Navient today ( XXXX/XXXX/XXXX ) to confirm that the payment made on XXXX/XXXX/XXXX was applied to the principal, and was informed that the payment made on XXXX/XXXX/XXXX was not applied to the principal, and that it was applied to the interest. The operator on XXXX/XXXX/XXXX informed me that interest must be paid before a payment on the principal can be made. I told her that I wanted to speak with a supervisor, as that was not what I was told when I called on XXXX/XXXX/XXXX, and that I would be contacting the CBFB if she could not help me. She told me she would transfer me to a supervisor, but only put me on hold for approximately 10 minutes. The operator came back to the line, told me that they would go over the recording made on XXXX/XXXX/XXXX, and would call me back. I missed their return call, and called them back and spoke to another operator who told me that the payment could not be changed to reflect what the operator told me about applying the {$70.00} payment to the principal of loan XXXX on XXXX/XXXX/XXXX, and that the payment would indeed be applied to interest charges. I told them I would file a complaint with CFPB, and ended the call. I was never transferred to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got a temporary credit from the company of {$1100.00} around 20 days ago and I was informed that I will receive a final response on XX/XX/2020. I haven't received any kind of final response regarding the matter and also tried to call on the phone number provided on the letter ( Please see attached ) but to no avail. Please tell me the final outcome of the matter. 

Other thing is, since the item I have filed this complaint, I am not able to login into my my Synchrony Account online, so please look into it.

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 2020-03-20
Company: Bread Financial Holdings, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a medical bill for {$27.00} to XXXX XXXX XXXX, XXXX. ( XXXX ) on XXXX XXXX, 2016, via debit card. Three months later in XXXX, the creditor turned my paid account over to a debt collector, XXXX ). Upon receipt of the letter from RRC, I contacted the original creditor, XXXX, and informed them that I had paid the account in full, but they refused to discuss the matter with me, saying that it had been turned over to collections. I told them I have proof showing I paid the account in full three months before, and it should have never been sent to collections in the first place, yet they insisted they were powerless to change anything and I would have to deal with the collection agency, despite this being their error, not mine. For their part, I disputed the debt through XXXX on XXXX XXXX, 2016, and sent in a fax with my bank statement highlighting the debit showing where I paid XXXX on XXXX XXXX, 2016, in full for the exact amount that XXXX was attempting to collect from me. On XXXX XXXX, 2016, XXXX removed the collection from my XXXX credit report. But four days later on XXXX XXXX, 2016, they again reported the account as being in collections. Once again, I 've submitted a challenge through XXXX and attached a copy of my bank statement showing that I paid the debt in full three months before the original creditor sent the account to collections. This collection is impacting my credit score by more than XXXX points, and should have never been submitted to collections in the first place. But more than that, XXXX ( or XXXX, as it 's now being reported as ) has ample proof and more than enough time to remove the account from my credit and, in fact, did so before re-reporting the account the following week. 

Moreover, they have continued to send me letters and additional attempts to collect this debt, which I paid to the original creditor in full months before they erroneously submitted the debt for collections. As someone who suffers from a XXXX at a time when I 'm trying to repair my credit after losing my job 24 months ago and exhausting my savings and retirement in an effort to salvage my credit and home from foreclosure. This has greatly exacerbated my inflammation, which in turn has caused me XXXX of dealing with this situation not once, but twice when I should n't have to be messing with this at all considering I paid the bill in full with the original creditor.

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 2017-03-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I sent in documentation to complete a co-signer release from my loans. The form was submitted and I was advised that there was a 14-30 day processing period. I have now been contacting navient for over 3 months and they continue to tell me that my application is being " processed ''. I have inquired if I need to send in additional documentation and was told that I have done everything I was supposed to do. The last call over 1 month ago I was told the request was being " expedited '', yet when I called again today I was advised that the paperwork to have my co-signer released is still being " processed ''. I need to have my co-signer removed from my loans. I have satisfied all the requirements identified by Navient to do so, yet they continue to keep the co-signer on my account and refuse to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a dispute on XXXX/XXXX/XXXX and I have n't seen any movement Case number : XXXX Submitted XXXX/XXXX/XXXX Company responded XXXX/XXXX/XXXX Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX The statement SLS made that " On XXXX XXXX, XXXX a phone call was placed and a message left for you by SLS, advising you that you needed to pay the difference of the payments from KYHC and the funds due, or the funds would be returned to the state '' is false. You and I both know the Fair Debt Collection Practices Act which prohibits any detailed information as such to be left on an answering machine. It was n't until my daughter called XX/XX/XXXX was when these funds were located, I than called that day or the day after to make the necessary payment and was denied. Where are these funds? As mentioned before Keep Your Home California has no trace of these funds. Please review all mine and my daughters recorded conversations with SLS and you will find that your company was trying to locate these funds for months. XX/XX/XXXX. I sent a written letter questioning my balance and asking where the remainder of the funds are. Your investigation in this matter is lackluster and does n't address either issue of the payment of the for XX/XX/XXXX or the missing funds and gives no direction, and did not include any steps your company has taken to find these funds or any solutions.

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 2016-05-19
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage Loan which is currently being serviced by SLS. They got this Loan from XXXX, with whom I started the HAMP Loan Modification process XX/XX/XXXX - about 4 Years back. I have submitted tons of documents in the last 4 Years but am getting rejection after rejection for wrong reasons. A case in point is the latest rejection from SLS vide their letter dated XXXX XXXX XXXX ( copy attached ). They are saying that they are unable to create an affordable payment equal to XXXX % of my Monthly Gross Income which is totally wrong based on the figures they have given themselves in the attached report. The Unpaid Balance ( $ XXXX+ $ XXXX ) is about $ XXXX. 
If we apply the HAMP Standard Waterfall steps, at 2 % for 40 Years the Principal and Interest figure comes to about {$2100.00}. If we add the Escrow figure of {$790.00} ( $ XXXX+ {$630.00} ) they gave in this letter, the PITI come to {$2900.00}, which is well within the XXXX % ( {$2900.00} ) of the Total Monthly Gross Income ( {$XXXX} ) they have shown in this letter. In fact if you see the Escrow amount given in the attached Mortgage Statement, it is only {$610.00} and if we take this Escrow figure, then the XXXX % PITI figure comes to only {$2700.00}, which is well within the 31 % figure of {$2900.00}.

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 2020-03-20
Company: Shellpoint Partners, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I became aware that Shellpoint Mortgage was reporting to all major credit reporting bureaus that I held a real estate loan with their organization. I have never heard of this company and immediately contacted them and they concurred that they have no record of my ever having an account. They indicated that they would contact me within 10 days with at least an update on why they were reporting this incorrect information. They have failed to follow up and the information remains on my credit report. Each call with them results in the same waste of time and non-answers.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Compass Bank withdrew {$1400.00} from my savings account with no notice. When I contacted the bank the next day, I was informed that they were withdrawing the funds and returning them to the IRS because an IRS refund for my father, XXXX XXXX, was deposited into my account. The representative with the Fraud department at Compass Bank explained that because the name of the individual for whom the refund was for and the name on my bank account did not match. The representative also explained that someone from Compass should have reached out to me and provided me the opportunity to prove the refund did in fact belong to a family member. I was never provided this opportunity. The individual I spoke to on XX/XX/XXXX confirmed that no such attempt was made. When I asked if I could still provide the necessary documentation at a local bank and have my father verify he had in fact asked me to process the refund into my account, I was told the funds had already been returned to the IRS. The representative stated she had left a message for the investigator assigned to my account to contact me. No one ever contacted me. 

My father has reached out to the IRS on multiple occasions in an attempt to locate his refund. On XX/XX/XXXXa representative at the IRS stated that the IRS had not received the funds from Compass Bank and that they would perform a trace to try to locate the funds. 

On XX/XX/XXXX, I contacted Compass Bank again and spoke to XXXX in the Fraud Department. When I told her the IRS had stated they had not received the funds, XXXX explained that Compass had not returned the funds as they previously stated, but instead had been holding on to them until they could return all funds collected from all customer 's bank accounts at one time. Today, XX/XX/XXXX, XXXX initially stated the funds had not yet been returned to the IRS. She then amended her statement, explaining the funds have already been returned. At this point, I do not have any means to confirm the funds were returned to the IRS. 

Both my father and I have spent an great deal of amount of time trying to track down his refund. If Compass would have reached out to me as they should have, I could have resolved this issue the same day. But, no one ever reached out to me. I have been lied to and my account has been grossly mishandled. I completely understand that Compass must comply with the IRS request, but they never afforded me the opportunity to resolve the situation as they should have. The IRS agent my father spoke to on XX/XX/XXXX stated that if we would have been able to clearly identify the refund and prove ownership and that it was not fraud, Compass Bank would not have needed to return the funds. They could have been released to me and/or my father.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In the document provided, there is a checking account from Bank of America where it was closed due to a scam upon myself. I was investigated by the bank itself and found of no wrongdoing. How do I get this off my 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 2017-05-25
Company: EQUIFAX, INC.
State: SC
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 purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with Equifax and  XXXX  are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX months, I called SLS Mortgage Servicing to find out why they were not reporting my mortgage payments to the credit bureaus. They stated that my husband and I were still in bankruptcy. We filed bankruptcy in XX/XX/XXXX and reaffirmed with XXXX Mortgage at the same time. XXXX is no longer in business and our paperwork must have been lost. 
SLS is now our loan servicer. So we wrote a letter and included a copy of the reaffirmation paperwork to SLS. 
However, we received a letter from SLS dated XX/XX/XXXX, that upon researching our account they found no errors. 
they failed to mention our reaffirmation. We submitted our reaffirmation and have been steadily been paying every month on time in full. We can not refinance we can not prove that we have been submitting payments and have no credit scores. We need them to report our payment history. We are not asking for much. PLEASE HELP US.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX  consumer reported my account 30 days late for the months of XXXX, XXXX, and XXXX when account was in fact paid. I have statements from XXXX that show account was paid before the due date. This is not the first time XXXX has falsely reported information to the credit bureaus

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