BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: LOBEL FINANCIAL CORPORATION
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: ERC
State: CA
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 see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received my XXXX degree in XX/XX/XXXX. I began paying monthly installments on my student loan sixty days later. In XX/XX/XXXX, I received a XXXX certificate and I consequently took out another student loan. In XX/XX/XXXX, I was having financial difficulties. I called to see if my payments could be reduced. They said i needed to consolidate my students loans in order to make the payments lower. 
Today, I still owe {$12000.00} and I still need to make 7 more years of student loan payments to this loan. I would have never agreed to consolidating my student loans had I been properly informed by the lender that the lower payments would equal more payments ( extended period of time ) and more interest paid : I would have never agreed to consolidation. I do not feel I was properly informed about the disadvantages of consolidation on the phone at the the time of asking for help with lowering my payments. I feel that I was pushed into the consolidation program without receiving complete information about the program or given time to consider the action. 
Now, I am applying for a XXXX plus loan and my prior student loan history is weighing heavily negatively against me and effecting my chances of receiving my XXXX plus loan. I have been accepted to start an XXXX program in XX/XX/XXXX. I will focus on XXXX and plan to work towards my XXXX after graduation. My student advisor emailed me yesterday : he said if i can not get my XXXX student loan, I should consider not accepting the XXXX program in XX/XX/XXXX. 
I want to become a XXXX more than anything.I was affected by my mother 's XXXX at a young age. I am a single woman and I need to support myself. Additionally, I am my mother 's primary caretaker. I need this XXXX education in order to help the children XXXX reach a healing point. 
XXXX XXXX XXXX University and University 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
Consumer complaint received 2017-03-15
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. You never pay me promotional bonus {$400.00}, {$100.00}, {$500.00} & XXXX thank you points. As the promotional offer stated that the offer was for new account NOT new customer. The offer specifically indicated for existing savings plus account customer. In XX/XX/XXXX there were two new checking accounts which was linked with new savings plus account & new deposit. 
2. I can not submit a new bill payment. As I stated that I submitted a bill pay {$740.00} on XX/XX/XXXX which was before the due date XX/XX/XXXX. This problem caused by XXXX county and another retaliated bank in XX/XX/XXXX. As national bank, you must responsible for this extra cost {$150.00}. 
3. In XX/XX/XXXX your representative XXXX choose to close my debit card which I did NOT agree with. Therefore you must responsible for my time and cost XXXX {$20.00} XXXX to pick up the card at FedEx facility. 
4. I am asking {$50.00} wire transfer fee to be back because my deposit was NOT safe due to the theft activities happened in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX a unknown person opened new Citi account by using my information. However your fraud department did NOT respond when I notified them. Since my deposit and transaction information were not safe, then you should responsible for {$50.00} wire transfer fee because the wire was NOT delivered on XX/XX/XXXX - XX/XX/XXXX per recipient. I had great concern that the funds were delivered to someone else. That 's the reason I put a review request. 
5. {$280.00} dispute on XXXX transaction : one was XX/XX/XXXX {$110.00} plus {$25.00} plus {$12.00} ( NO fee replacement transaction ), {$110.00} charged twice plus {$25.00} fees plus {$36.00} photo fees from same merchant. On XX/XX/XXXX I returned merchandise back to merchant. 
6. Another dispute was XX/XX/XXXX {$140.00} XXXX merchandise was expired and returned ) due to constant dangerous harassment in the XXXX county, XXXX. On XX/XX/XXXX your citi rep told me merchant returned back {$140.00}, however XXXX business days passed you never put {$140.00} back to my account. 
7. {$3400.00} foreign exchange rate loss in XX/XX/XXXX The exchange rate was {$1.00} to XXXX CYN, however I was only given {$1.00} to XXXX CYN. 
8. {$20.00} unauthorized charge was canceled during pending stage on XX/XX/XXXX 
9. {$9.00} fraudulent checks which were cashed by another bank on XX/XX/XXXX, and XX/XX/XXXX. I need my {$9.00} back since I never received the payment.

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 2017-01-18
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
recieved my bill for payment due XXXX/XXXX/2017 again now where does it state how many days in this billing cycle. 
so how many days in this billing cycle? 
states " accrued interest '' {$86.00} how much of my payment of {$420.00} actually goes to interest and how much goes to principal? 
do i owe any late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is  XXXX   XXXX   XXXX , I live in  XXXX   XXXX , Florida, on  XXXX / XXXX /  XXXX    XXXX  pm I sent money via moneygram to  XXXX   XXXX  who lives in  XXXX , Texas. I sent her the refrence number and the private question and answer so she could get the  XXXX . The money was for my  XXXX   XXXX   XXXX  daughter as a birthday gift.  XXXX  went to the walmart in  XXXX  with her ID and the info to retrive the money, she was unable to get it, they told her I had to call  XXXX  and give them more info, I did that, they said ok tell her to go and retrive the money, nothing, they said they needed more info, what more info do they want? so I decided to send my daughter a money order and I went today  XXXX / XXXX /  XXXX   to retrieve my money, they said it 's on hold and I could not get My money so I got back home and called the  XXXX  number again and they seem to put you with people with thick accents so it ;  s  difficult to understand and they tell me the transfer is under review, what are they reviewing I asked, I gave you all my info, she gave you all her info and you still wo n't release the money to her or me and I 'm the sender, it 's my money ca n't I get it back, the man says it 's under review again, that 's when I started to get mad cause they give you the run around, do they need the  XXXX  that much? so I told him he was no help at all and I guess I will have to see if there are any class action law suits or I will get a lawyer and we can make those  XXXX  dance. He then asks if there is anything more he can help me with so I hung up on him. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My American express with XXXX XXXX had a balance of XXXX ... .I was on a payment plan of XXXX a month. In XX/XX/XXXX payments were made... XXXX for XXXX and XXXX for XXXX ... this brought the account to paid off status..in XXXX they still withdrew the XXXX... even tho the account is paid. My understanding is that I should be reimbursed ... ..when I speak to the agents one states I owe XXXX ... ..another said I overpaid by XXXX cents .... it is my understanding that I overpaid my account and I want to be reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX  XXXX  hosp/ XXXX XXXX XXXX XXXXeleased personal information to a third party that breached HIPPA laws in an attempt to collect a medical bill. The third party is CMRE financial services. The date reported is XX/XX/2018 in the amounts of {$280.00} and {$290.00}. I requested validation of the debt CMRE reported I owed and the company sent me an itemization of private medical records that I never authorized for release.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have over {$39000.00} in debt with Navient, formerly XXXX. I have been making on time payments for four years. Often, these payments have been well over the amount due. I pay {$450.00} every single month to them, and another {$150.00} on my federal student loans. I am a XXXX who makes {$XXXX} a year and barely get by. All I want is for them to reduce my interest rate. My current interest rate with them is 10.25 %. It has actually gone up as I 've made these on time payments, almost like I 'm getting penalized for being a responsible consumer. I 'd like an interest rate around 4 %. I 'd like my monthly payment to be less each month. When I called to discuss this with them, they offered me nothing. No relief. No reduction in my interest rate or payment. No acknowledgment of my on time payments, or overpayments. I feel as though they are price gouging me. They are predatory lenders, and not responsible members of the financial community. Something must change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have always paid my mortgage online and in XXXX 2016, I inadvertently scheduled the payment on the incorrect day. When I realized the problem, I scheduled the correct payment date. 
The following month, I was unable to schedule an online payment, so I simply paid at the local Bank of America branch. I made my mortgage payments at a branch in XXXX and XXXX. 
I received a telephone call from Bank of America in XXXX, alerting me that I have not made the past two payments. I explained that I have the receipts for both payments and that I have the cancelled checks that they were paid by my bank. 
I was informed that I can only use certified payment through XXXX XXXX or XXXX XXXX. After attempting to make a payment through XXXX XXXX, I was unable to do so because the account information provided was invalid. I have no problem making my normal payments, but getting certified funds every month is logistically impossible due to my work schedule and taking care of my elderly parents, as my father has XXXX. 
I would like to return to making online payments.

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 2017-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX 2017, I was notified by my line of credit that I was behind {$49.00} and once I paid that amount I would be up to date. Then I was threatened that my line of credit was 33 payments behind and that my house was going to go in foreclosure. They told me I had to pay about {$8000.00} to bring the account current but I was not shown any documentation. I was so scared that I would lose my house and I paid most of the money, but then they closed the loan amount and transferred it to another department in Bank of America and now no one wants to tell me what is going on. I need my credit to be cleared because I need to refinance and put everything in one loan. I have called several times and no one seems to understand.

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 2017-08-14
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX, This message is in direct response to your reply of my CFPB Complaint. Please explain to me where it " requires '' your organization to make constant follow-up calls and emails regarding delinquent accounts. Under what law or statute is this completely legitimized? My question is of particular interest if I 've called to make payment arrangements. The CFPB has also posted a few key points of interest where harassment is imposed when debts are attempting to be collected. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone Obscene or profane language Threats of violence or harm Publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) Calling you without telling you who they are Please provide me with this information, because I do believe if I 've contacted your company to let you know when a payment is being made ( if it 's within 30 days being past due ), that I have the right to be free of any communication from your company. Please also keep in mind that the CFPB posts this message along with the examples above : You can also sue the debt collector for violations of the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorneys fees and may also have to pay you damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX XXXX in CA in XXXX XXXX. My turn in date was XXXX XXXX. 
I turned it in at the Kia Dealer in XXXX XXXX, VA on XXXX XXXX, XXXX. They looked at the car said there would not be problems. They also explained that Kia sends a Company out to inspect the car and I would hear from them is there were problems. I got a letter from Kia dated XX/XX/XXXX stating that there was {$1000.00}. dollars in mis-use or excess Wear and Tear. I immediately called Kia. They sent me an e-mail with pictures of a scratch on a door and some bumper damage. There was also some dents from something falling on the car on the roof. I told them the car had no door scratch and no bumper damage and I did not know about the roof and that it was always parked out side so I would agree to pay for the roof damage but not the other damage. They said if I do not pay the entire amount by XX/XX/XXXX they  would report me to the credit bureau. I do not want this to happen. I can not even be sure this was my car. They should have inspected it in front of me. I had no door scratch and no bumper damage when I turned in the car. I think they are running some kind of scam, it could just be the inpection company because I am sure they are paid on what they bill. Please help me straighten this out. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re-dispute to Case #  XXXX   Dated   XXXX / XXXX / XXXX  This is getting ridiculous. Please review my previous dispute and incomplete response.   A. Lost Paymen t - Surprise, a fter 67 days, they found it, only after receiving CFPB complaint, even though I had told them many, many times. Just listen to taped conversations! They tried to call me back once , HA.  They knew the issues after all of my calls, why did n't they just fix it!!!!!!!! I could n't get  XXXX  took talk to me when I was calling. Do n't do this to people.   B. Incorrect  XXXX  ( although i incorrectly said  XXXX  ) - Still incorrect, consumer harm getting worse if I have to extend my  XXXX  tax return.    C. Poor  Customer Service - which continues, No one will help me!!!     Yes, I am delayed in redisputing as I did not know there had been a written response to CFPB, I guess I though Shellpoint might be kind enough to send me a letter too. I had noticed they had found my payment ( SURPRISE, took CFPB to get involved ).     I contacted Shellpoint last week asking for consumer complaint department. First day, I was told they close at  XXXX , ok, I am  3 hours  earlier. Next day, called again, " oh, we do n't have a consumer complaint department ''. Found the response letter on CFPB website, contacted and left  VM messages FOUR ti mes this week, no response. If she is on vacation, someone else should pick up the call and return. I told her I did not want to re-dispute to CFPB as I know that is a very bad thing for Shellpoint. I was willing to resolve with her, now have to escalate, again.     Closed as an isolated incident. Seriously, multiple things wrong. Good cover though. I feel for most people, who do n't understand this process. Oh, and CFPB does n't have many complaints about you as you have know way for people to easily know to complain to CFPB unless they go to a lawyer. And, you do n't have a complaint department. My complaints in  XXXX  and  XXXX  certainly did not get escalated through your normal channels.     Fix your policies, procedures, training and customer service and give me a revised  XXXX . I need to file my tax returns. I 'm not letting this go. If I have to file an amended return because of your incompetence, you will pay for it.     CFPB, I am happy to help you with this company, I 'm an ex-regulator of mortgage industry, most of my current co-workers are ex-CFPB. Happy to share my knowledge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 remove these the inaccurate information and accounts that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to deletes any accounts and inaccurate information not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$1.00} XXXX XXXXXXXX Balance : {$20.00} XXXX XXXXXXXX Balance : {$20.00} XXXXl XXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$14.00} XXXX XXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX  XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$23.00} XXXXl XXXX Balance : {$33.00} XXXX  XXXX Balance : {$23.00} XXXX  XXXX Balance : {$9.00} XXXX  XXXX Balance : {$15.00} XXXX  XXXX Balance : {$19.00} XXXX  XXXX Balance : {$33.00} XXXXl XXXX Balance : {$19.00} XXXX  XXXX Balance : {$33.00} XXXX  XXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$10.00} XXXX  XXXX Balance : {$7.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$13.00}

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