BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-31
Company: CITIBANK, N.A.
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when I completed all offer requirements. I have received a confirmation letter from Citibank specifically addressed to me from Citibank that I have met all the requirements. In the letter sent on XXXX/XXXX/2016, Citibank stated that " Our records confirm your account met all criteria for promotion code XXXX. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle. '' However, I have not received AA XXXX bonus miles as of XXXX/XXXX/2016. During the waiting period, I have already paid a total of {$60.00} of monthly service fee to wait for the promised AA XXXX bonus miles. I wish Citibank honors her own promise written in the confirmation letter.

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 2015-05-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I am a loyal customer at AMEX from 1993. I Opened a new AMEX XXXX XXXX card and I decided last month to enroll it in auto pay. I got the confirmation. Today I received a note that my account is delinquent and they increased my rate, because the auto pay kicks in only after a month. In this way for the people busy ( like myself ) who do n't read a lengthy autopay confirmation that states this, it is a trap to increase their rate. This should be stopped, and forced these companies to remind you this if you did n't pay the dues before the autopay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Privacy

Complaint:
Insufficient Response to American Express : # XXXX American Express and XXXX : # XXXX American Express is in possession of our power of attorney. We faxed it in per their consumer representative. Another customer representative said to mail hard copies to XXXX ( representing itself as American Express ). Now we have a letter claiming American Express and XXXX are partners and we have to now notarize the letter. We have received no notice of assignment to a third party debt collector like XXXX and there is no company called American Express/XXXX. Please have American Express forward their contract where it permits them to interact with other companies on our account. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had a check written out to me from an account holder of the Bank of America. I went to the XXXX Va branch. I was informed I would have to wait until the line for account holders was empty. As this was an improbability on a Friday afternoon. I asked for the bank manager. I stated it might be tomorrow before that happened, she said that was the policy. Also the fee of XXXX dollars to cash a check works out to be XXXX dollars an hour based on the time it took to cash the check I had. This seems exorbitant as the employees at the bank are there if I come in to cash a check or not! Also I was told by a company Rep that she would investigate and get back to me, it have been well over a week and no response!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Navient Solutions, LLC.
State: MD
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:
There is a feature on Navient 's website that allows you to pay loans together by type. When the loan is over paid, it spreads the over payment among all of the loans in that group evenly. However, not all of the loans have the same interest rates. This is deceptive and even predatory in nature because I may wish for the extra payment to go towards paying down the principle of the loan with the higher interest rate instead of the XXXX at 1 %. The company did n't use to have this on their website and I feel that they are engineering the site to extract even more cash out of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Gragil Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by Gragil Associates about a medical debt, and I sent a request for validation in accordance with XXXX. Validation of debts [ 15 USC 1692g ]. and they received that letter on XXXX/XXXX/15. I received another collection letter without any reply to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: BlueChip Financial
State: KY
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I had contacted a payday loan debt consolidation company, XXXX XXXX XXXX. My representative name was XXXX XXXX. The company sent out letters and I believe contacted Spot loan to cease all ACH debits and I revoked the withdrawal of payments from Spotloan. They sent a limited Power of Attorney. 

Spotloan continued to go into my account and my bank refused to do a reversal of payments. I have put a stop payment on my account. This left me in a worse financial situation. 

Since this time, I have cancelled my participation in XXXX XXXX XXXX and I have since learned that online payday loans are illegal XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX toll XXXX faxI have also filed a complaint with XXXX XXXX XXXX XXXX. Since XXXX sent a letter, they have sent me an email which I will attach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Ditech Financial LLC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For months at a time, I recieved several phone calls a day made arrangements. They said they would still call me until the payment was made. Sometimes they would threaten me with things like foreclosure, other multiple calls.They have charged me many late charges when I was not late.They changed my due date without permission, added insurance when I had my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Rewards

Complaint:
Capital One marketed to me, presumably based on my credit score and spending history, a bonus scheme of {$100.00} if i spent {$500.00} in XXXX months. I have spent upwards of {$800.00} within this time frame and now the company tells me that they have no bonus activated on my account. 
How can their systems not be linked to verify their direct mail campaign against my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Cooper Hoffman Klein Associates
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Thy stated that I wrote a bad check and that I was going to have fraud charges against me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I submitted a repeal letter for the denial of my loan modification. I was denied again because I was unable to submit the documents due to slow respond from my medical provider. I was told to reapply. I have not received loan modification form for the requested loan modification as I was told I needed to submit new forms. 

I was also that by XXXX my representative that the foreclosure date had been extended until XXXX XXXX. I asked for a letter confirming this and have not received one yet. This is very upsetting and disturbing for 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 explanation
Consumer complaint received 2016-08-18
Company: Meyer & Njus, P.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX XXXX stated that since this was already registered on my credit report as a judgement they can not take the case. XXXX XXXX XXXX employed Njus Myeres who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! XXXX XXXX XXXX XXXX or this Njus Myers. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from XXXX XXXX XXXX XXXX XXXX XXXX and Njus and Myers from XX/XX/2010 to XX/XX/2010

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX has a judgement shown on my report but it states that the balance is zero. Have contacted them and I am unable to get any information from any XXXX about this account or its status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX XXXX of 2015 I requested my Experian credit file frozen. 
I was told I would get a PIN # in the mail, but it never came. 
I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. 
I have tried repeatedly to call Experian, but I can not speak to a real person for help. Please contact me by phone/text, email or mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: Ditech Financial LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The company Green Tree servicing has posted information the all XXXX credit bureaus that is not true or accurate saying that my property is affected by natural or declared disaster. This is not true. Even if it were true it should not be reported on my credit report since it has nothing to do with my credit worthiness. There has not been any natural disasters occurring anywhere near my home. I live at XXXX XXXX XXXX, XXXX XXXX, TX XXXX on high ground. 
GREEN TREE*XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX -- - XXXX AFFECTED BY NATURAL OR DECLARED DISASTER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I contacted Transunion online and by phone at XXXX. I was only able to obtain my credit score for free. I was unable to obtain a copy of my credit report, the whole thing, without being asked to pay a charge. This is against the Federal Regulations!

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 2015-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
an amount on my credit report which is not in my name nor have I had a history with this company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a certified letter to XXXX, and Equifax disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. Equifax and XXXX have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
incorrect addresses listed on credit report. My address is XXXX XXXX XXXX XXXX ny XXXX. And my Job is At the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Other

Complaint:
Notified Capital One several times that my account information with them for XXXX credit card is not being reported to XXXX They do n't seem to care alot! XXXX told me that Capital One told them to delete the account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AES/PHEAA
State: TX
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 am tired of the broken and failed processes at FedLoans. Why is it every time a change is made in my normal payment plan, there is a break in payment process with a requested {$5.00} payment that does not count towards my Public Service Loan Forgiveness Program ( PSLF ) program. I am XXXX years old, XXXX of these {$5.00} non-payments over 10 years that does not count towards my PSLF program, is more than 10 years my PSLF program is delayed from completion, i.e. almost a year is added to the 10-year wait. This affects both my finances and retirement choices towards the end of my career. I am willing right now to make any on-time regular/normal payment ( non-inflated due to process ) during each transition between plans that counts towards my PLSF program. Why is this process so broken, and whatever genius came up with the {$5.00} temporary payment is not doing consumers, federal workers and veterans over XXXX years old any favors. I am requesting that this information be passed on to a person who can make a determination and advise on how I can make regular payments without interruption? If this needs to be elevated to supervisors or a fed loan consumer advocate then please do so, I am tired of having my student loans mismanaged by Fed Loans with requirements that defeat the purpose of the PSLF program and may violate consumer protection laws. It is not in my interest to make {$5.00} non-payments over the age of XXXX, especially if my health does not permit me to continue until past the age of XXXX in my current position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
I have inquiries from XXXX XXXX XXXX XXXX. Dates XXXX, I have XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One Bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: First Data Corporation
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A company known as First Data is phoning a friend of mine regarding my account with their company that is overdue after my XXXX went out of business XX/XX/XXXX. My friend, XXXX XXXX ( of XXXX XXXX, Florida ) has nothing to do with my account with First Data ; she is not a signatory on any paperwork or agreements with this company ; and is no way responsible for any business or financial doings with First Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Company is using an autodialer to contact about a debt they do not own. I have informed them that they are calling my cell phone. I have also informed them that they have no reason to call me since they do not own the debt. They call me XXXX or three times a day, often with no one on the other end of the phone when I pick up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent XXXX different letters requesting validation, proof that they sent me a Dunning Letter ( which I did n't receive ) and a thorough breakdown of their protocols to remain HIPAA compliant. I 've received nothing. Any money I could have owed should have been paid by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I was late on a payment and could not use my card. I made a payment and still could not use my card. Called customer service and they said I could use it once the payment cleared. That would take 24 hours. I still could n't use my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: AES/PHEAA
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:
National Collegiate Student Loan Trust re-aged the XXXX accounts so the XXXX year period will began in XX/XX/XXXX not XX/XX/XXXX. This is a common trick by debt collectors in order to add more time to avoid statue of limitations laws. In addition, all three National Collegiate Student Trust accounts were dismissed in XXXX. I disputed the National Collegiate Trust or XXXX Services accounts on all XXXX major credit bureaus and the investigation results states, '' still remain ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent this company a dispute letter and received no response. I have also contact all XXXX consumer agency and they will not removed item. This is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS COLLECTION AGENCY CONTINUES TO SEND LETTERS FOR A DEBT I DO NOT OWE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: SANTANDER HOLDINGS USA, INC.
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:
Santander is continuing to furnish inaccurate information to the credit bureaus that they were ordered to remove last year pursuant to the settlement agreement with the attorney general 's office. my credit report currently reflects an auto loan as charged off opened XX/XX/2017 and closed XX/XX/2017 balance {$13000.00} Santander continues to ignore their responsibility in this matter and has maintained this disputed account as accurate. they are violating both Federal and state laws. I demand accountability and action to resolve this matter as I am being harmed as a direct result of their failure to comply with the law.

Company response to consumer: Closed with explanation