BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-12
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XXXX : Citibank reneged on this promise. 
XXXX : I filed a complaint XXXX with CFPB. 
XXXX : Citibank promised to pay bonus on or around XXXX XXXX. 
XXXX/XXXX/XXXX : Citibank again reneges on promise. 
XXXX/XXXX/XXXX : I filed a complaint XXXX with CFPB XXXX/XXXX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XXXX/XXXX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XXXX/XXXX/XXXX : I am filing my third complaint on this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a one time only refund for the student loan forgiveness. They told me it's against Edfinanciald policy to refund consolidated loans and it's against the department of educations policy. I called the department of education and they said there is no such rule. Edfinancial continued to deny the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy 's failed to secure my accoun and would not share information with me how my account and personal information was compromised. There was a purchase for about XXXX for fancy watch ( out of my state ), which was then credited to my account a few days later. When I called to check the status of the investigation, Macy 's said that since it was returned, there is nothing to investigate. Macy 's fails to provide me information about the incident. I felt closing the account was the best solution, but even after I 've closed the account, I 've received XXXX letters already indicating someone is trying to reopen my account. I had to close other credit card with fear that someone else was going to use them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 - I had sent my complaint letter to CITIZENS FINANCIAL GROUP , INC., in which I clearly stated how this scam has affected me personally, psychologically and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operations run by XXXX  XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CITIZENS FINANCIAL GROUP , INC. account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian LLC. continues to report unverified accounts in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) in violation of the required Federal law to verify with the original Consumer Contract with my Signature.

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 2022-10-20
Company: General Motors Financial Company, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've recently checked my credit report with XXXX and there's some inquiries listed that were unauthorized and unverified. 

They are as followed : 2 inquires with AmeriCredit on XXXX 2 inquires with XXXX XXXX XXXX XXXX on XXXX  & XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX on XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX XX/XX/2021 I never gave permission for these companies to run my credit. I also do not have any open or verified accounts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One has sent 2 prequalified offers for Credit Cards in different periods of time, and both of them have been rejected, causing a huge decrease in my credit score. 

It looks like Capital One is using supposedly prequalified offers as regular advertising emails without caring if those offers are later on rejected. This is especially problematic because I already have a Credit Card with Capital One, so they already have my information, and it does not make sense that they keep sending me prequalified offers that are rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I noticed a big problem with the information USAA provides to me to manage my checking account. USAA provides an available balance for the account holder to know what the amount of money remaining in their account. If the scheduled transactions ( another field on USAA portal ) are subtracted from the available balance I should know what funds I have remaining in my checking account that can be used to pay bills. Unfortunately, that is not the case on USAA portal. If the XXXX XXXX  is used to pay bills online, and a bill is not paid electronically ( i.e. by check ), even though XXXX shows the bill as a COMPLETED transaction, the amount of the payment does no show up either in SCHECULED TRANACTIONS or in AVAILABLE BALANCE unless the receiving vendor has deposited the check and it has cleared the bank. So the word COMPLETED does not actually mean in the common usage of the word COMPLETED. 

I recently made a large withdrawal from my USAA checking account. I was flexible on The amount of the withdrawal and based it on my AVAILABLE BALANCE less my SCHEDULED TRANACTIONS. I could have made my large withdrawal for less money had I known that a {$7000.00} check to the IRS issued a month earlier was unaccounted for, even though this transaction showed a STATUS of COMPLETED. As such USAA returned the check NFS, because my account balance was insufficient. This problem would never have occurred if the information on USAAs portal was complete and reliable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XXXX XXXX, XXXX, I was approved for a modification., my trial payments were to begin on XXXX XXXX, XXXX through XXXX XXXX, XXXX. I called and set up automatic payments to be taken from my account. I notice in XXXX XXXX that the first trial payment for XXXX was not taken out. I do not speak English so I had my XXXX year old daughter help to call Ocwen, they do not have anyone speaking XXXX to help me. They keep hanging up on me and do not help me with situation. Now they are saying to resubmit again. Why I should do that, i have the money to pay them, plese help they are discriminating against me because of my nationality I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was put on as a co-signer with no credit and no income. The main signer has become delinquent and I tried to get them to take me off as a co-signer and they wont let me. They said I have to pay off the remaining balance ( {$45000.00} ) when the buy price was {$25000.00} 3 months ago. My credit is getting destroyed now I have established it. Can you help me get off

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 2022-10-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have three ( 3 ) FFEL loans owned by Navient, all originated in XXXX. 

A few problems, here. 

1. Why was I never notified about the multi-state settlement with Navient? Wouldn't Navient be required to notify me of the finding against them -- as their borrower -- as of this past XXXX ( XXXX )? Do I need to consolidate my loan to a Direct Loan to receive the settlement? Again, they are all currently owned by Navient. 

2. All three of my loans were originated in XXXX. Aren't they eligible for being forgiven after 20 years from the origination? 

3. If I consolidate to the Direct Loan ( as mentioned above ), would my student loans then be forgiven -- having been placed BACK with the Dept of Education? My loans were originally federal loans. Navient purchased them, after I consolidated, as directed, to be eligible for IDR.

4. I sure would like to be done with Navient ( formerly known as Sallie Mae ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Citi is contacting me daily ( sometimes multiple times per day ) in an attempt to collect a debt that has been paid. I sent payment in XXXX and they have cashed the check. I have sent them a copy of the check yet they still call me every day.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent documentation to request the REMOVAL OF EXTENDED FRAUD ALERT/FRAUD ALERT from my credit profile and 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 2015-12-23
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Incurred when still with now estranged wife. We each agree to pay half. The Account Resolution Corp agreed to let me pay my half all at once and to let my estranged wife make payments. My portion has been paid for 6 months now and it is still show I owe the full amount. This is still listed on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. 
My bank shows payments made to, and deductions made by my mortgage company totaling {$24000.00} paid from my bank account in the year of XXXX. My mortgage company ( Ditech LLC ) only shows a total of {$22000.00} applied to my mortgage account. ( a difference of {$1900.00} unaccounted for on their side ). 

2. 
My first statement dated XXXX/XXXX/XXXX shows amount of interest paid year-to-date {$0.00} ( which is accurate, being that no payments have been received as of that date. ) My statement dated XXXX/XXXX/XXXX show interest paid year-to date as {$7800.00}. 
My statement dated XXXX/XXXX/XXXX shows interest paid last month ( XXXX ) {$1100.00}. 
The math : {$7800.00} + {$1100.00} = {$8900.00} paid for the period XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. Total paid for the year XXXX in interest was {$8900.00}. 
My XXXX XXXX Mortgage Interest Statement shows a total amount paid during the tax year XXXX as {$7200.00}. 
Why so many differences in amounts?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In fall 2014, Caine & Weiner ( C & W ) contacted me about collecting a debt associated my previous employer. After receiving the initial communication from C & W, I sent a letter in response requesting full documentation of the debt in question, since it was unclear on what the debt was and why it was being collected. C & W responded by providing some information, but not enough to explain the debt. 

On XXXX/XXXX/14, I requested additional information and, after receiving no response for several weeks, called C & W to inquire about the status of my request. My call was returned by a C & W employee who indicated that he had no intention of providing any additional documentation, despite the obvious lack of support for the debt. Further, the employee 's tone was hostile and threatening. 

I have since been discovered that Caine & Weiner has also taken action with several credit reporting companies including XXXX, and XXXX with regards to the account. 

The fact that Caine & Weiner knowingly ignored my request for additional documentation while simultaneously reporting negative information to credit reporting companies constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In the past I have submitted a dispute regarding the remark status of my Federal Student Loan so that it reflects XXXXAccount transferred to another lender ' instead of XXXXDispute resolved ; customer disagrees ' but the status remains the same. I am requesting that Trans Union completes my investigation properly and updates the remarks of this loan within my 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 2022-10-20
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX and last XXXX Acct # XXXX. My complaint is about fraudulent charges from Huntington and XXXX. On XX/XX/XXXX I had {$2000.00} deposited into my account. The same day, {$1900.00} was spent on XXXX. I was at training and only get my phone every so often and didn't see this deposit or purchase until XX/XX/XXXX when I called and filed a dispute. The same day credits were issued and on XX/XX/XXXX and XX/XX/XXXX, {$1000.00} a day was XXXX to the SAME exact person who I disputed the {$1900.00} with. So my account should've never been able to send that person money again and especially my money they'd already just stolen from me. After I called and disputed I turned my phone back in and didn't see I had been issued credits or that they'd been spent the same day. I got my phone back and noticed XXXX and filed a dispute, I was told because they used XXXX, XXXX had their own dispute department to review it and I'd hear back within 10 days. After 13 days I called and was told my claim had been denied. No reasoning was given and I didn't receive written correspondence in the mail like I was told, within the first 10 days or since. No dispute forms or no explanation of denial letter. Nothing, just told no over a call and {$2000.00} lost. 
My location alone shouldve been proof enough the purchases weren't made by me. This is absolutely ridiculous and has gone on for too long and for too much of an amount to have had stolen and my own financial institution doesn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage was transferred from Greentree to ditech for servicing. my escrow account is no longer being properly handled. I am receiving bills for taxes and insurance eventhough monies are being held by ditech to remit the monies. explain to me why is this company is allowed to continue servicing accounts despite the hundreds of online complaints posted and the XXXX complaints filed regarding the mishandling of people 's mortgage accounts?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been about 30 days now since I contacted this bureau and they still have not corrected the derogatory mark on my account. 
This is ridiculous. 
This needs to be fixed. 
These companies are taking their time on this and all I want to do is move on from 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 2017-04-21
Company: Universal Technical Institute
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I enrolled in schoo l ( UTI ) i n  XXXX  of  1986. B efore classes began I was called to the school financial aide office and was told there was an issue with my financial aide. I was then told that either I had to pay the tuition myself or drop all of my classes. I could not afford the tuition so I dropped all of my classes. I was told that when the situation was resolved they would call me back and I could reenroll in school. I was never contacted by the school again and never attended any classes there. I later found out that I had a student loan. I am protesting this and am asking that this student loan be vacated and erased.   I never used this loan and never received the money, and never attended classes.

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