BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX from Creditor : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: ENOVA INTERNATIONAL, 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:
Net credit put a delinquent account on my credit, when the balance was actually paid in full three years ago. The company now has a Derogatory account on my credit and the information is incorrect. I tried emailing the company and calling with no response. This misinformation dropped my score over 30 points. I can provide proof my account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Utah System of Higher Education
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I submitted an IDR application ( number XXXX XXXX on XX/XX/XXXX. I still have not heard back. I need to be enrolled in IDR to start the PSLF process. I am losing months of eligibility as Cornerstone lags.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
For nearly a year, I have been unable to access my FICO score online as promised by American Express. I contacted American Express several times during this time period, and after each call, I would check my FICO score online, and each time I would be unable to access my score. More recently, I made telephone calls to American Express at ( XXXX ) XXXX regarding this matter. The most recent of these telephone calls resulted in the following tickets being opened : ticket # XXXX opened on XXXX/XXXX/2016 and ticket # XXXX opened on XXXX/XXXX/2016. To date, XXXX/XXXX/2016, I am still unable to access my FICO score despite repeated calls to American Express customer service ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My bank ( HSBC ) sold my mortgage without my permission. I 'm now stuck with some debt collection company out XXXX that makes it much more difficult to pay, and no doubt leaving me open to late fees. Why do I have to jump through hoops to refinance, but the banks can XXXX me with one day 's notice? ( I got their Notice of Servicing Transfer letter ONE DAY before this took effect )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: GVA Holdings, LLC
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX XXXX Now supposedly is a pay day loan company. However, payments have been made on time per the paper work that I signed, automatic debits have caused the loan balance to increase. IF you pay a loan, on time every time per the paperwork, your balance should go DOWN, not up. I 've paid for MONTHS. Approximately {$600.00} on a {$400.00} loan only to be told my balance is {$420.00}. How is that even possible when weekly payments are made??????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX ,  XXXX ,  XXXX   XXXX  cwen Loan Servicing has charged me 13 m ortgage payments per year over the past 3 years. They have explained that my escrow payments have not been sufficient and that each year in order to prevent my monthly fixed rate mortgage payment from increasing, I must make an additional Escrow Payment. Over the past 3 years I have made a full additional mortgage payment. This year I did n't quite make the additional payment in full so they increased my monthly mortgage bill as of  XXXX , 3 months later and with the additional escrow payment and my mortgage payments ... my escrow still reflects low balance. With hopes of remedying this very serious issue, I called the compan y. Ocwen has bounced my call around to different departments, each department saying that the shortage and or requirement of more money could be coming from another department ... ..it is a three ring circus trying to get answers from Ocwen as to why I am making 13  payments yearly to keep my monthly fixed rate payment in tact.    XXXX   XXXX ,  XXXX  I paid mortgage payment,  XXXX   XXXX ,  XXXX  I over night expressed Escrow Payment {$810.00},  XXXX   XXXX ,  XXXX   Ocwen sent letter   stating that I needed to pay an additional {$700.00} to the ecrow to prevent a rise in my monthly bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: TX
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:
INACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX  XXXX XXXX OPEN XXXX AMT. {$440.00} XXXX  XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$430.00} THE NAMES : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: SLM CORPORATION
State: MT
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are not just calling me everyday, three to even five sometimes more per day, they ( XXXX XXXX - Sallie Mae ) even emails me daily, sometimes more than once a day. The fact 's are this is my grandson 's loan I am only a co-signer. He is not in default but having an issue between XXXX XXXX ( whom really is the big problem ) and acquiring a loan to get back into school. They kicked him out the day before finals because our loan was not complete which put him into an XXXX. We got a loan through XXXX and the school refuses to enroll him so the loan ca n't be excepted. It is bad enough that he is paying XXXX for classes he had XXXX in and was not allowed to finish the semester but the fact the kicked him out right at finals ... is wrong. I am trying to help him and XXXX is trying to resolve this and get a forbearance or something but no one is helping him. In the meantime I am being harassed for being a co-signer and this is not only illegal but beyond stressful. They are emotionally tormenting me, harassing me, stalking me via phone and email. I am a XXXX year old woman and I can not have this kind of XXXX daily. They need to work with my grandson so I can further co-sign but to harass me for signing when he is only a few days late and not DEFAULTING it abusive!!! I ant something done NOW please help us and help me I am too old for this kind of worry, stress and craziness. A co-signer should NOT be Harassed EVER. Notified of the issue yes but stalked via phone and email several times a day ... that is mentally tormenting and stalking me. Sallie Mae needs to be punished for this behavior and in away that will make them think twice before allowing this kind of torment especially to a co-signer. Please help us. Please!!! 

Respectfully Yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: GOLDMAN SACHS BANK USA
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: Problem with rewards from credit card

Complaint:
I signed up for the Apple Card on XX/XX/XXXX through this referral link : ( it is still active ) https : //apply.applecard.apple/? cid=apy-616-10000002 & utm_content=rafemail The offer says that if I make a purchase in 30 days, I will receive {$75.00} dollars cash back. I made a few purchases, and did not receive my Daily Cash back. I called in to Goldman/Apple on XX/XX/XXXX to ask about the promotion and when I would receive it. The agent told me he would submit a promo correction dispute, and that I should see the promo soon. 

I received an email the next day saying my dispute had been investigated, but I was not eligible for the " promotion of {$100.00} dollars for referring a friend '' ( that wasn't even the correct promotion ) because I didn't sign up in the promo period for the offer. At the end of the message, it said to reach out to a specialist if I had questions. This same day, I received an email letting me know I had been declined for eligibility in the SCRA program. I had no idea what this way, and found out in a later call an agent had signed me up for this without telling me. 

I called back in the next day, XX/XX/XXXX, and asked to escalate the issue to someone that could help. I was transferred to a supervisor, who told me they could resubmit the dispute and enter a request for call back, but that's all. I let her know that there is no where on the link page that states anything about being open for certain dates. She would not allow me to send her the promo link to confirm it was legitimate. I was told a ticket would be opened and that I would be called back by a third level person within 10 days. 

The next day, I received an email stating my case had once again been deemed ineligible for the promo due to the dates ( that are not stated on the ad )... I called back in, and was met with the same response. No one could help and that I would be contacted by someone in 10 days that could. 

I waited over 10 days, and did not hear back from anyone. I called in today, XX/XX/XXXX to ask that status of the open call back tickets. The agent on the phone told me there was nothing on my account noting a call back, that no one would call me back, and that there was nothing I could do. I am very frustrated at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Contacted XXXX numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) Bank of America 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX 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 2022-09-16
Company: CITIBANK, N.A.
State: OR
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:
Someone stole my card to Homedepot I didn't notice the card was missing until I recieved my Monthly Statement. I immediately called to inform them. They reversed the charges and sent me a new card. After a few weeks I get a Statement that shows they reversed the reversal. I called and they told me they denied the claim. I filled a police report and credit card company was suppose to send me more information. I have not recieved any correspondence and they are saying I owe the money. They claim they completed the investigation. Obviously they didn't compare signatures/security footage or do any sort of investigation or they would of clearly seen I wasn't the person who made these charges.

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 2017-06-07
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We attended a very high pressure sales and " owner update '' in XXXX on XX/XX/XXXX at the XXXX XXXX XXXX sales office while staying at XXXX XXXX. I had suffered a XXXX XX/XX/XXXX, about six weeks before our sales presentation, after being XXXX XXXX XXXX XXXX XXXX  while I was walking in downtown XX/XX/XXXX. We repeatedly stated that we could not afford anything that would require a loan, and did not like the difficulty we encountered finding availability. Maintenance fees were rising faster than we expected. The salesman repeatedly assured us that if we took advantage of the promotion offered that day, we would not have to worry about any maintenance fees after the XXXX calendar year, thereby saving money over the long run. He said this promotion would have been offered to us had we participated in dinner meeting offers over the previous year. Both the salesman and his supervisor confirmed this special offer. We were told that we would no longer have to pay for annual maintenance fees, having qualified to participate in the special program that was not publicly available. The salesman illustrated in chart form on a paper how this program would save us money by trading in part of total our points each year. He said the remaining points would actually get " treated as double points. '' They both explained we would receive a phone call ( annually ) in XXXX right after our maintenance fee bill arrived and would be guided to trade in the proper number of points to write off the entire maintenance fees each year. In order to take advantage of the offer we opened up 2 credit cards ( in each of our names ) with Barclay to pay for the contracted points at 6 months no interest although only one of us actually had income at the time.
# 1 - {$16000.00} # 2 - {$6700.00} This past XX/XX/XXXX, when the call never came, we started contacting XXXX XXXX on XX/XX/XXXX to find out what happened to the special program, where we were told that no such program exists and it 's not in our contract so we are out of luck. We asked for a financial waiver again inXX/XX/XXXX due to medical expenses, but were refused a refund as they denied any bait and switch tactics, but we were told we could return our contracts for a fee to avoid future maintenance fees, but are still responsible for the $ 22,000+.
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Due to unexpected and ongoing medical bills over the last 2 years, we have had trouble making payments on this and other credit card loans and are desperately trying to maintain our good credit rating. We have been transferring the balances to other credit cards to maintain low interest, incurring fees each time we do so. We feel that the promises made by the salesman and his supervisor were misrepresentations, and by the time we confirmed that the program did not exist it was too late to get out of our contract.

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 2017-02-13
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Sir/Madam, I just found out that Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal account and it comes up when someone pulls up my credit. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business and it was a small business loan without collateral or personal guarantee. The company that got the loan went out of business and now, this company is coming after me. I 've never signed a contract and the company was using my signature for loans and other business matters as I was XXXX of the shareholders. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. I 'm in the process of moving and this has created a big problem for me. It is against the law and they jeopardized my housing opportunity and my job application. I will file law suit against this company if they do n't delete it from my personal record immediately. 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I have attached documentation regarding the identity theft directly from XXXX XXXX which includes a contact number that any third party may call to validate my claim of identity theft. I have also attached documentation from another collection agency that investigated my claim of identity theft and found that identity theft did indeed happen and deleted the account from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
INCACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX XXXX XXXX OPEN XXXX XXXX. {$440.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$430.00} THE NAMES : XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2015-09-01
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Numerous issues but what is very concerning is after months of submitting and resubmitting documentation I find out that the submitted documents were uploaded and labeled incorrectly which slowed the process down to an already ridiculous turn around time. Then I have to hear every time I call how their doing their job so well, really? Also I have been told of XXXX different possibilities of the outcome of this modification then the last person I spoke with tells me there is really only XXXX possibility and its not really going to help and it is unlikely the rate will get reduced at all then after I state others have told me of rate reduction the person stated well it could go down a little but not even a percent lower. The last issue I want to mention is that this loan was being serviced at XXXX and a week before transferring to Seterus the loan modification had been submitted for a final approval all documents were received in and accepted the broker price opinion was ordered and then the loan servicing transferred on XXXX/XXXX/2015. I was told the loan should at least transfer with that status, but it did not as I had to redo the loan modification package for Seterus and resend information numerous times because nobody is rarely on the same page and paperwork is labeled incorrectly. Should the status have stayed the same since the investors of the loan have not changed? I have sent everything in that is asked for and many times I have been told different or wrong information I once spent {$17.00} at XXXX to make sure the documents faxed were received. I have with the help of my wife done what has been asked and as of a week ago everything is in we now have a 30-45 day wait for the documents to get reviewed by a processor that is a long time to know if more documentation is needed, then in the meantime how much paperwork is set to expire??? At this rate it will never get done. After mislabeling our paperwork for weeks you really cant accelerate our documents for review. But your ready to accelerate the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have a auto lease with Chrysler Capital for a XXXX which I wanted to terminate early and we agreed to a payoff of the vehicle however I have attempted XXXX ( XX/XX/XXXX and XXXX 2015 ) to return the vehicle to XXXX Chrysler Jeep and they will not take the car back nor will Chrysler send me a statement to payoff statement and bill but all they keep doing is sending me statements for the regular payment and are assessing late payment fees incorrectly XXXX/month In addition they have reported this as delinquent on my credit reports. The car is no longer insured and has been sitting in front of my house for the last XXXX months since my last communication with Chrysler Capital was that they needed to come and pick up the car as I was not going to attempt another return.

Company response to consumer: Closed with explanation