BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was called by someone that said ace cash express gave them my info and that I owed them money for a loan. He asked me to make a payment over the phone I refused because I did n't know if it was a scam. He then became very disrespectful and vulgar calling me various names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Nelnet, Inc.
State: AZ
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:
To whom it may concern, As many Americans, I have been trying to contact Great Lakes ( " GL '' ) to obtain accurate student loan information. During Covid I had submitted approx XXXX XXXXXXXX in student loan payments. I then requested a refund due to the CARES act. 

I called GL on XX/XX/26 at XXXX MST to request a refund, we spoke we a GL rep who stated she would submit the request. 

I then called GL on XXXX to ensure they had the correct information and GL advised they had no record of the XX/XX/26 call and no request had been submitted. This is unacceptable and I asked them to go back and replay the recorded phone calls. This request was NOT honored by GL. At that time the GL rep advised the request was formally submitted on XXXX. Since this was an error on GL part, I would expect them to escalate or to take accountability. 

Since then, GL has updated their website to show I owe money and even allows me to " make a payment '' on my new loan value but I have not received any actual refund of any format. This seems like a law firm would love to analyze/review this aspect as it seems sketchy/illegal to allow consumers to pay when not having received a refund. I have contacted GL verbally and in email and have received different and misguided responses about my loan value and if I will even receive a refund. They state they have done everything on their end but yet no refund. 

I work for a bank and our bank is NEVER allowed to state that the consumer owes money if the money has not actually been refunded. Also, my bank would never provide fake, altered, unsure, unreliable information to our consumers, as this would be a breach of fiduciary responsibility. This complaint is to ensure a student loan refund is provided to the bank accounts in the next few days, since it shows there is an active loan under my name. Please don't mess with people 's money as banks are held to high standards, so should GL. Times are tough and GL has only made them tougher. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This concerns Capital One Bank closing old active accounts. Just because you have had a long standing account, no other reason. Direct deposits are lost, checks will bounce, all because we did not see the one time letter, sent in a plain envelope during the summer. No other warning. 

Is this legal? How do they expect to keep customers? 

Couldnt they just make the changes internally and inform us? 
Did they have to turn our financial world upsidedown? 
Is there a good legal reason for what they did?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a credit card statement in the mail from First National Bank of Omaha XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/22 for a balance of {$1900.00}. My identity was stolen. This is not my activity. The representative on the phone was able to flag this as fraud and close this account. I do not know what becomes of that false charge or what happens next.

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 2021-03-18
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First Source Advantage LLC continues to call me in attempts to reach someone. I am not the person they are attempting to reach and I've let them know that several times. I've asked for my number to be removed from call lists but it seems as if it hasn't been done. I have notes that I've spoken with XXXX XXXX ( date not recorded ) and XXXX XXXX XXXX ( XX/XX/20 ). Further, when I called their corporate office in NY ( XXXX ) to try and fix this problem, they told me they wouldn't do anything to assist me since it was another office that was contacting me. I found that answer completely lacking in professionalism and had no compassion for a bystander in their company 's practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There is a company called IC Systems that keeps calling me on my cell phone everyday like 8 times a day. but if you answer it they just hang up. I googled their # and other people say its a Debt Collector. I have not received any mail from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've tried for countless hours to contact Mohela, they never answer the phone or I'm sent in endless loops of phone tree menus. I need to speak to someone regarding my term in lending original documents. 

Please tell Mohela they must step up and do better!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: MI
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 have disputed accounts with XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX they all say they have missed payments but also have XXXX charges connected to them. according to 15 U.S code 1605 ( a ) a finance charge is the sum of all charges so I can't be penalized for something paid in full. Also 15 the U.S code 1681 a ( 2 ) ( A ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 U.S. Code 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: I.C. System, Inc.
State: NY
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:
There are XXXX main issues. 
1. The debt relates to a cable box that XXXX collected from me and replaced with a newer model, which they then lost. I called XXXX to report that they had collected the box, they said that they would attempt to find it, and then I received the collections letter without any further notice from XXXX. I do not owe this debt as I did not keep the box. 
2. When I try to call IC Systems, I repeatedly enter all information, am told to hold, and then the phone disconnects. There is just no way for me to get in touch. When I enter my information on their website, XXXX they tell me to call, and when I call, I inevitably get disconnected.

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 2022-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted to use my USAA VISA card to purchase tour tickets for the XXXXXXXX XXXX on XX/XX/XXXX of this year. The purchase was through the recreation.gov web site. The bank denied the charges. On XXXX XXXX I called USAA Bank and was told the credit card couldn't be used for foregin transactions. I explained that the website was clearly a government domain with the United States and that the charges shouldn't be denied. After over two hours on the phone, I was assured the issue was resolved. 
I attempted use the credit card on successive days and it was denied each time. Repeated conversations with the customer service at USAA failed to resolve the issue. Repeated attempts to use the card by recurring or programed payments were also denied by USAA. 
During a conversation on XX/XX/XXXX, I was told I would be contacted within XXXX hours by the resolution team to correct the issue with the credit card. That telephone call never came. On XX/XX/XXXX, I attempted to use the card and again it was declined. I had to cancel the card and terminate a 48 year relationship with USAA Federal Savings Bank.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: FC HoldCo LLC
State: NY
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:
On the above morning,XXXX, I received credit alerts through my XXXX XXXX account, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX that the following companies received Auto loan requests with my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance. My credit score dropped XXXX points on XXXX, XXXX points on XXXX and it was difficult to determine on XXXX because of a collections removal, it went up XXXX points. I did not Authorize the use of my information. Spoke with XXXX XXXX and XXXXXXXX XXXX who could not verify that my information was in their system by my SS number and to report to the credit bureaus.Spoke with XXXX who wouldn't file dispute over the phone. Said they needed writing because of hard inquiries and to contact the lenders. Spoke with XXXX who was surprised because of active fraud alert on my account and XXXX me to file a FTC report who transferred me to this site

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 2017-02-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
A friend notified me about a XXXX point promotion for a Starwood 's XXXX credit card. I XXXX and it brought me to a page to sign up, mentioning the promotion. There was no clear indication about restrictions, and when I signed up, it never said I did not qualify for the promotion. After achieving the necessary spending, I did not receive the promotion points. I contacted XXXX and was sent a form letter denying my request with incorrect information, and with no phone number or address. I called XXXX and no one could provide me any contact information, so I now need to contact the CFPB I believe I am due XXXX points in the promotion. XXXX 's response is basically an unreachable black box, presumably to prevent customers from reaching them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: ND
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 - I submitted a request through my online XXXX XXXX XXXX XXXX XXXX Webster Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was already verified with micro deposits. 

XX/XX/2022 - I submitted a request through my online XXXX account to transfer {$8500.00} from XXXX XXXX XXXX XXXX XXXX  also verified by micro deposits, into my XXXX XXXX savings account. 

XX/XX/2022 - {$21000.00} was withdrew from my XXXX savings account. 

XX/XX/2022 - {$8500.00} was withdrew by XXXX from my XXXX XXXX XXXX account. 

XX/XX/2022 - Received two emails from XXXX with reference numbers that my transfers have been stopped ( see attachments ). I responded and then called in immediately. I spoke to a representative who told me they need to verify accounts with Photo IDs ( which I had sent in already at account opening ) and statements ( which I thought strange because they have already been verified with micro deposits ). I sent all of this information in on XX/XX/2022 and again on XX/XX/2022 ( see attachments ). 

XX/XX/2022 - XXXX confirmed received, and said they still need to verify account. I resent them all the documents. 

XX/XX/2022 - Re-emailed all documents and ask to please look into this, as neither transfer had been completed. Also sent to XXXX, as she had replied to an earlier email. 

Called in after getting no response. They told me they received the documents, and they are under review with their back-office staff. Told me to expect a XXXX hour turnaround time. 

XX/XX/2022 - Called again and they had no answers for me. Told me they would send an expedited email to their back-office. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

As of XX/XX/2022 I am still waiting on the transfers. I do not know where my money is, as XXXX must have it in a holding account. I am losing out on interest. Please note that XXXX is a sub-brand of Webster Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is not owed. I have resolved this collection item several times. This collection has been removed in the past and has since been sold to another collections company and was added back to my credit report and has since caused a domino affect on my credit report score. This is bullying at this point!

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 2017-01-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CITI bank advertised that it will reward every customer that opens a checking account with a XXXX deposit before XX/XX/2016 with XXXX dollars. I opened the account on XX/XX/2016. I was supposed to maintain the deposit for 30 days. I never took my money out till today. Today is the start of the fifth month I called and complained to them 3 weeks ago they agreed that the amount should be deposited. They opened an investigation but never did anything about it. As a last resort I am coming to you please resolve the problem and save others from the misery I have been through with them

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 2016-10-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
Applying for the Citi / AAdvantage Executive Card I called to ask when the Annual Fee was due. I was told it was due at the 6 month mark. So, I applied and received the Citi / AAdvantage Card. On the first statement I received the annual fee of {$450.00}. I immediately called them to tell them of the problem but, all they offered was {$50.00} off the {$450.00}. I told them what I had been told earlier but, I just got a " stock answer ''. I paid off the card all but the {$450.00} annual fee and then closed it. They sent me a letter saying the card is closed but they will still be charging me the fee plus accruing interest each month as well as alerting the credit bureaus. 

I feel I was tricked into getting the card and now being bullied. How can they charge a fee for something they have not yet provided? What 's more, something I will never receive? With interest on top of that. And threaten to wreck my credit if I do n't pay up. XXXX. I 'm not paying for something I did not and will not receive.

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 2015-06-25
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I got 2 Pre Paid Debit Cards issued as a Reward by my Employer one for {$500.00} & Other for {$250.00}. The Cards Had an Expiry Date of XXXX. 

I did not use the cards before the expiry date and all the Funds ( {$750.00} XXXX in total - were unused and the cards expired. 

When i contacted the Issuer ( Citi Bank XXXX to ask about re-issuing the cards for the remaining amount - after deducting the applicable Monthly Maintenance Fees ( {$3.00} Per Month as outlined in the Service Agreement ) - i am being told that, the Balance Amount Can not be returned. 

The Card Holder Agreement Does not have a forfeiture class where in it is indicated that the unused funds will be forfeited after the expiration date. 

I am shocked upon knowing that i stand to loose {$750.00} - even when i am ready to pay the monthly maintenance fees. 

Can you let me know - what options are available for me to pursue recovering the unused funds - {$750.00} - and how to get this done? 


Sorry..I was out XXXX and hence ca n't attend the call. 

I talked with my employer and to the Citibank too. But they again confirmed that I wo n't be getting my money back. 
Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to lodge a complaint about Fay Servicing ( https : //fayservicing.com/ ), which was the mortgage servicing provider on my home mortgage. Fay sold my mortgage to XXXX XXXX and as of XX/XX/XXXX, XXXX took over my mortgage. I was current on my mortgage loan at the time and had no outstanding payments to make as of XX/XX/XXXX. However, on XX/XX/XXXX, after XXXX owned my mortgage, Fay withdrew a {$6000.00} mortgage payment from my XXXX checking account for the month of XX/XX/XXXX. Fay did not provide this payment amount to XXXX XXXX  because XXXX contacted me to say my payment for XX/XX/XXXX was overdue. So I then had to pay XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX, meaning I made two mortgage payments for XX/XX/XXXX to two different companies. I immediately contacted Fay Servicing to ask them to return the XXXX XXXX they unlawfully withdrew from my XXXX account on XX/XX/XXXX, after they had already sold my mortgage, but Fay has not responded to me ( it has been over a week since I emailed them ). Fay has has not returned my money, and they have not sent the money to XXXX XXXX This is totally unacceptable and I would greatly appreciate help from CFPB. Fay Servicing basically stole XXXX XXXX from me, and I can not afford to make two mortgage payments in one month. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I HAVE A MORTGAGE WITH UNITED WHOLESALE MORTGAGE... I DID MISS A PAYMENT IN XXXX XXXX OF {$720.00}, AND BEEN MAKING OVER PAYMENYS EACH MONTH SINCE THEN WITH WRITTEN INSTRUCTIONS TO APPLY THE EXCESS FUNDS DIRECTLY TOWARD MY MISSED XXXX PAYMENT EACH MONTH..THEY SAY NO THEY ARE PUTTING IT INTO WHAT THEY CALL A APPLIED FUNDS ACCOUNT NOT TOWARDS THE MISSED XXXX PAYMENT. SINCE XXXX EVERY MONTH THEY KEEP CHARGING ME A NEW LATE CHARGE EVERY MONTH.. I WAS ON THE PHONE WITH THEM YESTERDAY AND THE LADY SAID THEY RECEIVED XXXX PAYMENTS MID MONTH FOR OVER {$700.00} FROM ME AND ON XXXX XXXX I SENT A PAYMENT OF XXXX THEY SAY I STILL OWE THEM A PAYMENT FOR.. {$78.00}, THEY SAID FOR ESCROW, INCREASED TAXES AN HOME INSURANCE INCREASES... I TOLD THEM NEITHER XXXX XXXX HAS EVER NOTIFIED ME OF A INCREASE IN POROPERTY TAXES OR MY HOME XXXX. XXXX NOTIFIED ME OF A INCREASE OF XXXX PREMIUMS... I SAID I THINK I SMELL SOME EMBEZELMENT HERE THEY HUNG UP ON ME,

Company response to consumer: Closed with explanation