BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I XXXX XXXX am a professional XXXX woman who works XXXX full time jobs to protect her family. In 2014 I went through a divorce, and my former husband did not pay the mortgage for several months. I took over the mortgage, obtained a modification on my own, and have been current with my mortgage payments for the past two years. The mortgage servicer has maintained a continuous 180-day late payment status, which reflects on my credit rating and drives my credit scores down significantly. This practice is highly discriminatory and I will bring this matter to the XXXX in XXXX Pennsylvania if it is not corrected. The account should show as no ; late payments since the approved modification in 2014. I make my claim with the CFPB to take action on this highly illegal and discriminatory practice on credit reporting. All payment histories with each respective credit reporting agencies must show no late payments since the modification approval.

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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out XXXX XXXX student loans while in college ( I graduated XX/XX/XXXX! ) ... Since then, XXXX XXXX had sold my loan ( I do n't know how many times, but as recent as XX/XX/XXXX! ) but when they do that.. my loan seems to start all over again ( so I can not find out what the actual origin date of the loan really is ). Then XXXX XXXX became Navient ( maybe in XX/XX/XXXX? ). 
As a Single Mom, I did not have a job right out of college so I had to defer and forebear the loan a few times.. however, most of the years since I took the loan ( s ) out, I 've been paying on this loan. The original loan was aproximately $ XXXX, and was set up as a graduated loan.. so about a year or so ago, it jumped up to almost {$400.00} a month. I ca n't afford that so, even though I pay every month, I do not pay the full amount required. I calculated that in the past 10 yrs ( of this 23+yr loan ) I 've paid over $ XXXX and my current balance is now {$40000.00} with {$2300.00} past due : - ( I can never pay this off.. ever! : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have disputed many times with XXXX  about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We had a hail storm and need to get iur roof fixed. To do so we the The Money Source to endorse a claims check. The Money Source is being extremely difficult and is trying to hijack and manipulate the process causing significant delays. We just want to get our roof fixed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: GA
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. It has been over 4 months and I still have not received my miles.

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 2021-07-29
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
Equifax have not responded to any of my letters that I sent them. I've attached the letters in the order they were sent hoping to timely cooperation from them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
When on XXXX XXXX I repeatedly tried to submit an online dispute on Citi 's Searscard website, it kept deleting the information XXXX TIMES. The seventh time it SEEMINGLY accepted my complaint. But, SearsCard has not recorded the complaint on my account, nor responded to me. Again, earlier today, I tried to resubmit my dispute, but XXXX times the bank 's website deleted my information. On the fifth try, it SEEMINGLY accepted it. But, still nothing shows up on my account. nor has the Bank acknowledged my dispute. I suspect that Cit SearsCard intentionally sets its software to reject disputes for a certain percentage of accounts. My dispute is " '' Missing XXXX items ( coffee mugs ) listed in the description ... .Basket has sharp edges.The merchant admitted that the shipment did not include the missing items. The merchant blames the mistake on its supplier in XXXX. The merchant keeps lying over each of the past four days, saying that a new shipment was sent, then saying that it was not sent, then saying that the XXXX supplier would contact me, then telling me to contact the XXXX supplier - I have no idea who the hell is the merchant 's supplier. The merchant promised to issue a full refund. Now, it wont. This is big FRAUD by SEARS. ". But, being blocked and or ignored by the bank, my dispute is not handled by the Bank. This is against the public interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Im writing to get some legal help and progress on an issue with Bank of America, who are either a ) holding my money and not returning it to my account for no given reason, or b ) hiding the fact they have mishandled my money and have lost it. 

A summary : I sent an international wire on XXXX XXXX to the value of XXXX USD ( sent as XXXX AUD ) On XXXX XXXX I made my first call to the bank ( XXXX ) to cancel as I was made aware the account I sent to in XXXX had been recently closed. On that call I was told the cancel request was initiated and return request sent to the bank in XXXX. 

On XX/XX/XXXX I called again - I was informed that the return had been initiated by the other bank, and was promised it should be in my account in 2-3 business days. 

On XX/XX/XXXX it had been noted that the funds were back in in Bank of America system, but not in my account yet as they had to be converted. 

On XX/XX/XXXX I called again, was reassured they had my money in the system now but was told that the funds should be cleared and converted by 2-3 business days from XXXX ( Wednesday XXXX at the latest ). 

Given I saw no changes to my balance by XX/XX/XXXX I called again - this time I was told conversion has been delayed for unspecified " technical issues '', should be 2-3 business days from XX/XX/XXXX. 

On XX/XX/XXXX I called again - no change or new information was provided beyond " they're having trouble processing the conversion ''. I requested written confirmation of presence of funds XXXX to prove this isnt a theft that I need to report to authorities XXXX. This person promised to escalate to direct manager who will call me to discuss. 

Since I received no call 4 days later, on XX/XX/XXXX I called again, and was again informed that there was a technical issue that was delaying the conversion of funds. When I asked for written evidence, confirmation or otherwise of this issue I again received a response saying they will not give me anything like that. 

They have confirmed verbally they have my money - I don't care what their issues are internally, they have the money and it should be in my account AFTER ALMOST TWO WEEKS!

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2021, I submitted a Identity theft report and haven't received any response from the credit bureaus. These accounts are hurting my ability to purchase a home

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 2022-01-04
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX ' is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2016-09-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Citi Double Cash Card with Citibank. On XXXX XXXX, I made a payment of my full balance by check ( image attached ) XXXX XXXX XXXX, I cancelled the check, fearing it had been lost ( since it had not been credited to my account ), and paid my balance electronically. On XXXX XXXX, Citi mistakenly debited my account for the second payment, instead of crediting it. On XXXX XXXX Citi credited my account for their mistake, but still did not give me credit for my second payment. From that point, I called Citi 's customer service 25 times trying to get a refund for my excess payment. Finally on XXXX XXXX, I was told that the matter was resolved, and that my second payment would be credited to my account and refunded to me within 48 hours. I then requested to close my account on XXXX XXXX. I was told it would take 2-3 business days to receive my refund. I have since contacted Citi several times, and I am continually told that my refund will be issued within a few days. It has been nearly a month since the original promise was made, and I still have not received my refund.

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 2016-07-18
Company: CITIBANK, N.A.
State: MD
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:
I took the liberty of providing all of the credit reporting agencies a copy of your response letter, settlement letter, and settled in full letter. This information proved that account number XXXX was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. Therefore did not constitute a reason for that account to be included on the credit reports. 

On XXXX XXXX, XXXX I received a letter notarized stating that my vehicle was secured by a personal loan account number XXXX on XXXX/XXXX/XXXX with CitiFinancial and since the account was satisfied CitiFinancial were releasing the lien on the vehicle. 

I never used any vehicle for collateral for the loan that was opened under account number XXXX that was opened in XX/XX/XXXX. I never opened an account with CitiFinancial in XX/XX/XXXX nor do I have a vehicle to use for collateral. Because all of this information is illegal, fictitious, but was also notarized, I would like for you to provide me with the contract for this loan including but not limited to : the vehicle that was used for this loan as collateral and the forms that I signed for this loan on XXXX/XXXX/XXXX. 

After speaking with XXXX in customer service today at XXXX, I was informed that this personal loan, with the vehicle as collateral, was opened in XX/XX/XXXX, this is what 's being reported for the account # XXXX ; but is being reported under a different account number, XXXX with the XXXX credit reporting agencies. 

I would like for CitiFinancial to honor their agreement to delete all information pertaining to account number XXXX and to not be used for the new account number. I would like for CitiFinancial to report the truth, that account XXXX was opened and closed on XXXX XXXX, XXXX. I would also like for CitiFinancial to not create fictitious information to damage my credit and have me to continue to have high interest rates! 

The XXXX and Consumer Financial Protection Bureau will be contacted about these issues. I hope that you will make it a personal interest to resolve these issues immediately. 

I have enclosed credit reports from XXXX and XXXX. I was unable to print XXXX, but the information is the same, and a dispute has been initiated ( Confirmation # XXXX ). I have also enclosed Response Letter for XXXX, Settlement Offer Letter, Satisfied Letter, and Notarized Release of XXXX XXXX and the If you have any questions or concerns, please feel free to contact me at XXXX. 

Thank You XXXX XXXX XXXX XXXX, XXXX XXXX Enclosures

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 2021-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Date of this CFPB Consumer 's Complaint : XX/XX/XXXX Associated with CFPB 's Consumer 's Previous Complaint:XXXXSubmitted on XX/XX/XXXX. 

Consumer received a Wells Fargo 's Response Dated XX/XX/XXXX sent via XXXX XXXX XXXX XXXX. [ ATTACHMENT # 1 ] Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Consumer 's Response to the Wells Fargo 's Decoded Response. [ ATTAHMENT # 2 ] This Consumer feels that Wells Fargo is giving Consumers the continuous, of the World Famious Run-A-Round again. Also evading communications through the CFPB 's Consumer 's portal = Doing " BAD BUSINESS PRACTICES AGAIN. ''

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 2015-07-25
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Either a Macy 's customer used my phone number or their debt collector randomly selected mine and attached to delinquent account. I asked not to be called again. Called again less than a day after I requested for the harassment to cease. I called the XXXX number left on voicemail by XXXX XXXX. She verified by last XXXX of the SSN that I am not the account holder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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 made a payment on XX/XX/XXXX. Payment is still outstanding in my credit card. I called and they stated there is a hold until XX/XX/XXXX. I have proof that the payment cleared my account in XX/XX/XXXX. When asked all they said is that it part of your terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
QUALITY ACCEPTANCE LCC continues to illegally send harassing mail to another address over theses issues to me and XXXX XXXX. I do not want any mail from them period. They owe money for illegal crimes of fraud, nothing they send will change my mind except a check to XXXX XXXX. I was a co signer on the loan and I can say they gave an illegal interest rate and broke so many loan and other regulations and their customer service is among not only the worst, buy they are very evil. Consumers beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: ASSOCIATED BANC-CORP
State: IL
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:
I feel that it is because of Associated Bank that I have been scammed out of {$1200.00}. I recently had a transaction I was involved in selling a piece of furniture. I received a check from a potential buyer, which I cashed. I had to send a payment to a mover which was to be from cash I had from cashing the check. I was told by the bank teller that it could take up to five business days for the check to clear and ensure the check was good. 
On the fourth business day after cashing the check, I called Associated Bank customer service line and spoke with XXXX, who informed me that the check had cleared. I specifically asked him to confirm it had cleared both banks, and he assured me it had. The fifth day, I called again and spoke with XXXX? who confirmed again that the check had cleared both banks. I then paid the mover with the cash. 
Two days later, I received an NSF notice, dated the same day that I had the phone confirmation with customer service. When I went to the bank and spoke with the branch manager, she was very nice but said that I should not count on customer service because they were not always good with communicating correct information. I should call a branch and speak to the manager in the future, because they are much more experienced. She sent my information to her fraud department, and nothing further was offered. 
If I had not been assured twice by two people at the bank that the check had cleared both banks, I would have never released the cash to the mover. Now I find myself out the {$1200.00} because I believed the Associated Bank customer service department. I asked the bank to check their recording of my calls to verify what I asked and what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
KHOLS is in fact in violation of at least 70 federally protected consumer rights under 15 usc 1692 and also unauthorized use of registered trademark

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I was not given my FULL Award Miles as promised for opening and using a Citi XXXX XXXX XXXX XXXX credit card. I felt betrayed so I called to close my Account. The customer service team did not want to close the account ; in fact they sent me to the credit card retention department where I encountered a horrible agent who never addressed my REQUEST to close the account. After demanding him to close it with a very strong tone, the agent still did not close it. I then hang up the phone angrily. Shortly afterwards I called back and was informed that my credit card, XXXX XXXX Citibank was CLOSED, without me on the phone to confirm it. The Customer service representative did not communicate with me or read me a closing statement or any type of confirmation. In other words, my XXXX XXXX XXXX Credit card account was close incorrectly and unprofessional. I was absolutely very upset and reached out to several supervisors at Citibank XXXX XXXX XXXX After hearing my complaint, they all apologized on behalf of the agent. I also reached out to my Branch regarding the improper closure but still did not get any proper help, nor did i ever receive my 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 explanation