BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I purchased sunglasses on XXXX in XXXX of 2022 for {$330.00} using my Citi Master Card. I returned in person the item on XX/XX/XXXX, and received confirmation from XXXX and proof of return. XXXX never credited the account, so I disputed charge with Citi. In spite of the evidence I returned the item back to vendor they refused to credit my account, in spite of XXXX telling me they received item and were going to refund 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 monetary relief
Consumer complaint received 2016-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After many attempts to have my home modified and treated fairly, it is my conclusion that based on facts such as my race, gender, age and XXXX Bank of America has denied me any and all assistant to maintain my home. I have provided all documents since this process started and all BANK OF AMERICA has provided to me been stressed, harassment and unfair practices dealing with mortgage assistant. 

I would like to file a discrimination charge against BANK OF AMERICA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
An overdraft activity was happened because of the death of my family relative and his burial help. I called Bank of America ( BOA ) branch as well as internal recovery services, XXXX XXXX XXXX, TX XXXX about the issue and financial difficulty and request for corporation and help and after I paid full and my balance was {$0.00}. So, I received a letter for {$0.00} from BOA. Instead to receive money full they put negative remarks and comments in the XXXX. I requested them that they need to remove false/wrong/unjustified statement after they received full payment and the balance is {$0.00}. They need to fix the XXXX and make a correction in the account system that they already receive full payment. It is indicating that complete fraud and harassment attitude from the Bank od America. Please take a necessary action to safe my credit which is damaging form BOA blackmailing and poor services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a letter yesterday, claiming from me {$92.00}. The name of the collection agency is IC System. The name of the creditor is XXXX. 
I called XXXX the day after wich is today, I spoke with XXXX XXXX, and he confirmed to me that my balance is {$0.00} since XXXX/XXXX/XXXX. 
Aproximetelly 20 days ago I filled another similar complaint with the same claiming amount, but with other collection agency name

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 2017-10-11
Company: Experian Information Solutions Inc.
State: MD
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:
I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.

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 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited XXXX in certified funds to my personal checking account @ Bank Of America on Friday XXXX XXXX @ noon. BOA is still holding XXXX of the money back, I called and the repoXXXX XXXX told me it was because I did not endorse the back of the check. Since 2012 I have been depositing hundreds of thousands of dollars in check for to BOA thru the ATM and not one of them have ever been endorsed. BOA allows you to scan the front of a check on your phone and deposit it. So the fact they are telling me they are holding the XXXX back because I did not endorse the check can not be true. Because they are holding these funds back I am now today negative XXXX in my account and XXXX checks are going to be returned NSF. Transaction layer mazuma credit union BILL PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer ACH HOLD IRS USATAXPYMT ON XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD IRS USATAXPYMT ON XXXX as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX XXXX XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX How can a bank hold certified funds for 9 days and send me into a negative balance and my checks to be returned?

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 2016-04-20
Company: Navient Solutions, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I filed for bankruptcy and the debt was discharged in bankruptcy ; yet the company continues to call me multiple times a day. I have asked the company to stop calling me and have informed the company that the debt was discharged in bankruptcy but the company continues to call me. This is a consumer debt and not a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For a little over 6 months now, I have been receiving calls from XXXX financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at XXXX XXXX, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her XXXX both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of XXXX financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Navient Solutions, LLC.
State: ME
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:
Navient took all of income tax refund. XXXX. 5 months to date and still have not applied it to the loans. They continue to charge late fees and interest. With the XXXX, XXXX of the loans could have been completely paid off. I dont believe I am responsible for late fees or interest since they have had the funds all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2017-02-22
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I ( XXXX ) opened a checking account with Bank of the West ( " bank '' ) on their website. I set up an initial account opening deposit of {$500.00} on my credit card ( issued by XXXX ). A few days passed my {$500.00} transaction posted and I have a {$500.00} balance. On XXXX 2017, I received email from the " Bank '' saying my account is closed due to a secondary review. I immediately contacted the bank and was told the reason. I did not argue with them but I asked for money back. A supervisor said they will refund me the money by issuing credit back to my card ( issued by XXXX ). Few days pass I do not see the money. The " Bank '' said they issued the refund and I need to talk to XXXX. I called XXXX and they said they do not see any refund transaction. If there were a refund transaction it will automatically post to my bill. Right now I can still log in the online portal at " Bank of the West ''. It shows I have a valid account but balance is {$0.00}. Basically the " Bank '' took my {$500.00} and never gave back to 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 2016-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing has been deceptive and intimidating. It has been difficult for me to find my past due balance. I missed a regular monthly payment. When I attempted to make a payment to try to get caught up I could not find my past due balance. My printed statement listed a past due balance, but it did not list a payment that I had made prior to the statement being generated. My online account did not list a past due balance at all. It only told me that I had a regular monthly payment due. It also did not list any late fees or other fees of any kind. I then received a letter stating that my mortgage was now in default. This confused me even more because neither my statement or online account had any information about my loan being in default. Also, I did n't think my loan could be in default because I was approximately 30 days past due. I called SPS. When I called and entered in my account information, I was greeted by an audio recording stating that I had a regular monthly payment due. The recording made no reference to a past due balance or to my loan being in default or to any fees that may be due. I selected the option to speak with a representative. Prior to speaking with a representative I was greeted by another recording stating that I was about to speak with a " debt collector '' and that any information given would be used in order to " collect on a debt ''. At this point I felt SPS was deliberately trying to confuse and intimidate me. Is SPS a mortgage loan servicer or a debt collector? Is my account in default or past due? What is my past due balance? The rep I spoke with was polite, but not helpful. I did finally get my current past due balance. However, I was threatened with " legal action '' if my account was not made current with in 6 days. I was not given an answer to why my online account does not reflect my past due balance, is my loan in default or past due, why do I have to pay {$15.00} to make an online payment, why did my interest rate go up. Furthermore, I was given unclear answers about what kind of a company SPS is ( mortgage loan servicer or debt collector ), why do they use intimidating language both in documents and over the phone, is SPS purposefully trying to confuse me. I acknowledge that I am past due on my payments, but it should not be this difficult to find my past due balance and I should not be threatened and intimidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Citi IdentityMonitor reference number XXXX ACCOUNT ENDIN 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 2022-11-14
Company: Experian Information Solutions Inc.
State: OH
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 filed over XXXX reports to the CFPB against XXXX & Experian 's inaccurate reporting already. They are not removing fraud on my credit report and need to be ordered to remove it without an investigation. 

They are wrongfully verifying the fraud as accurate and not providing details on how it could be.

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 2015-10-23
Company: I.C. System, 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 was paid

Complaint:
I had power with XXXX in New York when I sold my house. I paid the bill on time and 12 months later I reported to the credit bureas by a collection agency. After sending numerous letters and calling XXXX many times the collection was removed. No 11 months later the same account appears again from a different collection company. Same account. Same amount. This was already removed from the bureaus and should not be put back on when it is removed per dispute. I am trying to refinance a loan and this is causing me to have to pay higher fees & interest rate. 

I have already contacted the credit bureau and ask that they remove it as well. You should n't allow collection agencies to abuse on people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home flooded I paid for the repairs Insurance company put mortgage co on checks They refuse to release money so I ca n't pay my bills Mortgage They need to refund all late payment s and release my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried numerous times to contact the collection agency. I have been hung up on while speaking. They refuse to work with me even after providing evidence of payment. The amount owed is incorrect and should only be {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I refinanced/modified the mortgage on this property back in 2012. Greentree approved the refinance which was based on making 3 monthly payments which were completed and on time. I received a congratulations letter that my refinance/modification was approved. Subsequently 30 days later I received a follow up letter from them saying they never received a signed document I was suppose to mail back to them. However, there was no such letter ever sent to me that required a signature. I requested them to simply just fax or send me the letter to sign and I 'll get it right back to them. 

They declined and made the mortgage due in full and rescinded the refinance approval. After many attempts they agreed to have me submit a new application. Using all the same information since nothing changed they declined this one of course. From what I have found out this is a scheme to steal homes and is fairly common with companies like this. This action by that company cost me my family, my house and everything I worked over 20 years. I 've contacted over 20 people at the various companies most likely involved in this fraud and they all hind behind their XXXX dollar desks. If the investment company ( Ditech, Greentree, XXXX XXXX, XXXX Investors or whoever ) would like to come out of the shadows and speak with me regarding correcting this wrong before if must go to court and media. As a result of all this the house was foreclosed on this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: AZ
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 Reporting Act XXXX Accounts listed below, have 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 a account without my written instructions.

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo processes the authorization attempt for ACH transactions but purposefully does not hold the funds or show the ACH transaction on their online banking transaction logs. This ends up overdrafting numerous accounts. 
As a former Online banking Phone banker, I tried to inform them numerous times that this seemed to be a UDAAP violation because the bank processes the request and it shows on internal records days before it gets processed and shows as a transaction on the online logs the customer can see. The managers at the bank simply dismissed the concerns, stating that I should just advise callers to keep a written record on their own to avoid fees because the online banking was just a tool and not an actual transaction log. 
This is maliciously deceptive as it leads to regular and numerous overdrafts for any customer relying on the online banking to track spending in their daily lives. Furthermore, debit card transactions show as " pending '' once the authorization request is sent to the bank until the final authorization is submitted to the bank abd finalized. This same system could easily be implemented to reflect a " pending '' ach transaction until it's finalized and approved to prevent millions of overdraft charges ( since the date is what the bank uses to determine if they will charge an OD fee and is usually retroactive ) that could easily be prevented if the banks were genuinely concerned about helping their customers like they claimed, instead of nickel and diming customers for the sake of adding millions to their bottom line. 
Internal responses make me firmly believe this behavior is deliberate and purposeful and disproportionately effects people who can not afford the predatory fees.

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