BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-09
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
Tower Loan was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my XXXX  and XXXX  reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 I made a {$20000.00} payment to my Costco Visa by mistake. On XX/XX/2021 I discovered my mistake and contacted Citi Bank Visa to request a refund. I received a written response from Citi that they would reply back with a status in 7-10 days. On XX/XX/2021 I spoke with Citi Bank ( XXXX ) team id # XXXX and he promised to investigate and give me a follow up status on Monday XX/XX/2021. I didn't received a follow up status call. I called again on XX/XX/XXXX and XX/XX/XXXX. I got a different story each time and no follow up call with a status. It appears that they are deliberately holding onto my funds and playing ignorant. I can tell their XXXX system has tracked all of my calls but they don't seem motivated to solve my problem.

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 2020-08-09
Company: ARVEST BANK GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance on XX/XX/2020 and paid off my old mortgage on XX/XX/2020. I had nearly {$11000.00} in the escrow account of my old mortgage. Based on applicable government regulations, the escrow balance should be returned to the borrower within 20 calendar days of a payoff. I called my old mortgage company to confirm this ; the phone representative confirmed that I will receive an escrow refund check in the mail by XX/XX/2020. However as of XX/XX/2020 I have not received any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very devastated with all the excuses SPS has used in order to prolong my loan and all the fraudulent actions that are being used against me to deny my loan for any assistance.This needs to stop! Our monthly income is {$3000.00} and my monthly expenses are for the amount of {$2500.00}, this includes my mortgage payment. I have a surplus of {$460.00} left at the end of the month. SPS has changed my income for their own advantage and to deny my loan.I have always provided my proof of income to SPS. However, SPS keeps forcing me to re-apply all the time. I am not working nor my husband and we only collect social security income and rental income. SPS has my rental lease and my Social security award letters for proof. However this seems to not be enough proof for SPS. My husband and I are elderly people and this is starting to affect our health. We just want to save our home and fighting our right as home owners. We did not want to do this but we are just tired and we are in desperate need of assistance. I am attaching proof of the last XXXX reviews done by SPS and you will see how my income has being changed for there own advantage. Please help us to stay in our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I 'm having extreme difficulty with Quicken Loans 's unscrupulous business practices & breached or lack of commitment to what has been promised in terms of rates/costs for a potential refi in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!

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 2015-05-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
The credit card had additional cost for insurance in case of illness or accidents. I was diagnosed with XXXX XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Closed checking account with XXXX XXXX ( XXXX XXXX, hqtrd in WI. ) has been reported to XXXX as having a negative balance. The bank that acquired that assets/accounts ( First Citizens Bank in NC. ) has not produced the requested documentation/evidence of what created the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to DISCOVER BANK Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX DE XXXX Listed address on the record : XXXX XXXX XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Mercedes Benz Financial Services
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Mercedes Benz Financial on this XX/XX/2021. I used my credit card as defined under 15 USC 1605. Mercedes Benz Financial then took my credit card and got a loan and began to violate 15 USC 1692 ( e ) because they falsely represented our contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX XXXX my account number with Credit Acceptance is XXXX Credit acceptance executed an illegal repo on my XXXX XXXX. My husband is currently XXXX in XXXX. Credit acceptance violated the SCRA I notified credit acceptance of our military status. I also provided documentation regarding my identity theft. The identity theft was do devastating, that XXXX XXXX XXXX had to get involved to help me establish a new identity. I need my car back immediately this has caused further financial strain. Unfortunately i have been unable to go to work due to the repossession.

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 2016-03-25
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
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:
Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I unfortunately had to enter into bankruptcy and was advised by my attorney to close my checking accounts and open new ones. I had a checking account that was supposed to allow no OD/NSFs on the account and left approx.. {$2.00} in the account. I opened new accounts at a new XXXX. I had XXXX car insurance payments on auto draft that still attempted to draft on the old checking account, but were not paid and I paid online directly. The old XXXX charged me OD fees on a checking account that was not supposed to assess fees per my agreement. I tried to close the checking out prior with a positive balance, but was told I could not because I had a balance in the account. I tried to close the account out but again was then refused because I had a negative balance due to NSFs. I refused to pay the NSFs, due to having an account that was not supposed to assess NSFs. The bank refused to remove the NSFs and has now reported me to a collection agency.

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 2017-02-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
During times of unemployment and under employment XXXX / Navient would not allow for deferment or lower payments. I was advised that there is a rule that the loan could only be deferred so many months. I used the allotted time during in school deferment. As a laid off adult, years later, my loan ended up in default because of the lack of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Ten years ago I had a credit card and unfortunately my account was at {$10000.00}. Asset Acceptance now has control of my debt from this card. I have been paying through my work checks and have paid off {$2000.00} of the initial {$10000.00} owed. When I called XXXX XXXX, 2015 to settle this debt I was told that even though Asset Acceptance had my debt that they could not do anything and it was now with a law firm, XXXX and that they would have to take care of it. I received no resolution through Asset Acceptance, only sending me somewhere else. When I called XXXX, over ten times, I still did not receive a call back. Their voicemail stated that in order to get in contact with me I had to leave my social security number and I did not feel comfortable leaving something so secure on a voicemail. Finally after almost twenty attempts I was able to get ahold of XXXX XXXX, who bullied me to give him my name/social security number/phone number and then firmly stated he must have my address. I refused to give my address because I was advised that they do not need any information other than my name and social. He then bullied me into giving him my address by saying he would not work with me if I did not give him this information and that he will hang up and then to have a nice day so I gave in and gave him my information. He then told me that they had a different amount on file as payment received, about {$1000.00} less than what I had actually paid. XXXX then went on to tell me that if I wanted to settle then I would have to pay 83 % of my debit. The figure he gave me, over {$8000.00}, would be my settling payment. That settling payment with the amount I have already paid, {$2000.00} according to my previous employer that I have receipts of payment from, would total more than the actual {$10000.00} I initially owed. That means in order to settle I would be paying over 105 % of my debt to someone who told me I could ONLY settle for 83 %. This does not make sense. I asked if anything could be done, that I do not have that kind of money but could settle for less, and he refused everything and anything. I then expressed again that I did not have that kind of money and would have to file for bankruptcy and he said, " That 's fine. Just make sure you contact us and send us notice. '' Again, no negotiation or compromise. Settling does not mean pay in full. This was debt from ten years ago. I then expressed that I would file a complaint to the CFPB and he did not care. After all attempts XXXX XXXX would still not help. Asset Acceptance can not do anything, which they are the ones who actually have my debt, and XXXX will not settle for anything less than 83 %. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am attempting to close the Estate of my deceased parents. PNC holds at least one account in their names. I have submitted everything legally necessary to validate my authority for both deceased parents. Yet PNC will not release the funds. I initiated this process with them in XXXX of 2020 and have followed up multiple times speaking to multiple PNC associates about this matter. Still no action on their part. 

XX/XX/XXXX : Met with XXXX XXXX ( XXXX ) at PNC to present my information. I have at least 13 e-mail follow ups to XXXX XXXX and others plus multiple phone calls. 

PNC initially asked for additional legal documentation which I have provided. 

Others Spoken with : XXXX XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Ph. XXXX Fax. XXXX XXXX XXXX XXXX, Retail Escalations XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2020-04-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed out of {$750.00} trying to make a purchase using XXXX XXXX XXXX and my JP Morgan Chase bank account. in the total of 3 transactions the first was XX/XX/2020 fro the amount of {$350.00} trans action # XXXX XXXX the second was for the amount of {$250.00} on XX/XX/2020 Transaction # XXXX XXXXand the final payment was on XX/XX/2020 for the amount of {$150.00} transaction # XXXX, I have not received the product and the seller stated he would not return the money to me unless i payed him more money. I stopped communicating with the seller and contacted both companies and was told they can only tag the other persons account for no further activity. I feel this is not fair and something has to be done about it. I am out {$750.00} and no one can help me with the recovery. Is there anything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: FC HoldCo LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted Flagship Credit Acceptance to request a legal contract bearing my wet signature and a deficiency letter. Flagship could not produce the information I was requesting, because I had no legal contract with them. They have been reporting a negative balance to the credit bureaus since XX/XX/XXXX. 

I recently mailed an affidavit indicating their violations of the statute of limitations for the state of Alabama. I have not received any correspondence back from them, other than a returned signature, to indicate they have receipt of my letter. I was made aware that a vehicle I surrendered was sold for {$5600.00} and they have been reporting a negative balance of {$7700.00} ; which is why I requested a deficiency letter that I never received after the sale of the vehicle in XXXX. I made many attempts in disputing this error, but nothing on the company 's end was ever resolved.

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 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got this message from my credit monitoring service. 


A new account from BANK OF AMERICA has been added to your XXXX credit 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 non-monetary relief
Consumer complaint received 2016-06-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
Went to XXXX and purchased a bedroom set with their 12 mo same as cash deal though Synchrony Bank. I made equal payments on time each month and payed off the original amount of {$2300.00}. The following month they send a bill for {$800.00} plus and for the 33 % interest plus Card Security charges and late fees. I never authorized any card security protection. I feel this is a scam against consumers and want this account cleared of all interest, card protection and late charges. 
Thank you

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 2017-01-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I currently have a Navient student loan. I was given a new payment plan of XXXX $ per month that did not apply to principle at all. It actually increased XXXX $ per month. I called Navient and was dismissed. This is fraudulent practice to bait people by lowering their monthly but never paying down on the loan. I will be looking for other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Per my TransUnion letter dated XXXX/XXXX/2015, XXXX XXXX XXXX account # XXXX was deleted off my credit file. I pulled a new credit report on XXXX/XXXX/2015 and the XXXX XXXX is still being reported by TransUnion and affecting my scores negatively. This account has been closed and paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation