BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-29
Company: Aspen Yo LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been charged late fees by Gregory Funding while I am in the process of resolving why XXXX is changing of the terms of my mortgage agreement. I expect these fees to be waived after we resolve why my mortgage terms are being manipulated after the fact. The mortgage terms and agreement were finalized on XXXX/XXXX/16. 

In the meantime, I called to XXXX to make my regular phone payment on my mortgage and was told that they would not accept my payment via phone and that I have to mail my payment with an explanation. I have done so. 
I appreciate your help in resolving this situation and confirming the original terms of my XXXX XXXX XXXX mortgage per the five year modification consummated on XXXX XXXX, 2016. 

I am requesting an escrow account history ( insur and taxes ) from : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Loans and 3 ) Gregory Funding. 

As the XXXX Home Loans Mortgage modification explains : Any and all outstanding escrow balances noted on the XXXX Home Loans account will be paid when the home is sold and not until that time. 
thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency says that it charges on behalf of XXXX and I have no debt with XXXX, since I was never answered the call from costumer service or the calls were closed and the offer they offered was for a service, which I never had, therefore I am EXHED from debt. This information can be corroborated and investigated in my phone calls to the XXXX company, it can also correct the immediate attempt to return the equipment which was not accepted, all this can be proven through calls from my phone number to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I received a notice from Citibank , NA on XXXX XXXX indicating my credit limit would be reduced on my Sears Card since it had been dormant with no balance for 21 months. The notice stated if I made a transaction by the end of XXXX I could avoid the limit reduction. I consider this a form of extortion forcing me to use the card or risk a negative report of my credit report as a result of Citibank reducing the credit limit. I did us the card on XXXX and paid it off on XXXX. Citibank continues to threaten me with a line reduction and reported account dormancy to XXXX on XXXX/XXXX/16.

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 2016-10-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a XXXX account Equifax is reporting on my credit report. I have requested debt verification by mail from the address Equifax has listed and with no response. I also filed a complaint with the Consumer Protection Finance Bureau. Verizion also has not responded to them with any documents and its also been beyond 30 days. 

I would like details on the date and the person or department that has verified this account with Equifax. Also there is no phone number to contact this creditor listed. The only one who can verify this account exist is Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Had me waiting for hours just to get a direct deposit form which i did not get they had employees walking around doing nothing not even XXXX offered help this is a disgrace if they ca n't operate this branch the right way might as well close it down!! I will never go back and will for sure let people know how horrible they are. Worst experience of my life i hate this bank I 'll stick to 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 2021-12-18
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: Account status incorrect

Complaint:
My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX to evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from Equifax, XXXX and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The lender which XXXX XXXX sold my account to Navient. Has been calling and leaving messages to someone who was not in my life at the time I was in school nor at the time when the loan was taken yet somehow now are calling this person and pretending to be a job source and stating that this person was given as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been dealing with Navient, formally XXXX XXXX, about an issue of miscommunication which landed my student loans in default. I have been repaying them while on a payment agreement but they have been and are still reporting my accounts as past due for obsurd amounts of money. When I call them I am placed on hold for an hour at a time and I never get the help I am asking for. I keep getting passed off to different people who ca n't help me at all. After a couple years of fighting with them about this and getting nowhere, even when I hired an attorney to try to have them remove the false reporting from my credit history, I am reaching out to consumer finance. Since I have been on the payment plan for a few years now I am asking to have someone help me get Navient to reverse the false reporting of past due payments since I am making payments on the all of the loans monthly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: CITIBANK, N.A.
State: NY
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
Someone duplicate my debit card and the bank closed my account on the internet. When I called to complain, they asked me about the last transaction and they did not charge me for other charges they had then. Four months later I realized that there were fruity charges and after the investigation they reported that I spent a lot of time. I had not noticed these fraudulent charges because they closed my internet account and I informed them that I was out of the country so I did not have access to my account statements. Nor did the operator inform me that there were charges after my last transaction.

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 2016-09-28
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a member of XXXX. On Equifax it states that I have an open account and XXXX closed account. I had only XXXX loan with them and it is now closed since 2013. Its showing on my Equifax that I have an open account. I want to dispute it but unfortunately the system can not find my file. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
had a sear m/c with an int rate of 26 %, ,contact citibank for rate reduction that was granted at 4.9 %. agreement was to make payments on time and rate will be inplace until credit card is paid off..in XXXX 2016 did not rec 'd statement and contacted sear for replacement statement. recd a new statement where the rate went back to the 26 % int. request citibank to reduce rate back to 4.9 % but they refused..claiming i broke my agreement. i told them i never rec 'd statement and i had no reason to break the agreement which was significantly lower rate that the original rate they still refused saying i broke the agreement..and they refused to honor my request. 

i had to use another bank credit line at a lower int rate of 12 % and a cost of {$700.00} to payoff sears acct # 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
Consumer complaint received 2015-10-20
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Other fee

Complaint:
I have had a Brooks Brothers credit card for a number of years. They recently switched card servicers from XXXX to Citi. I was leaving for XXXX on XXXX XXXX, 2015. I called Customer Service on XXXX XXXX to find out if there are are foreign currency transaction fees associated with the account. I was informed by the gentleman on the phone that there were none. I then told him to put a notation on my account to the effect that I 'll be using the card in XXXX for the next 4 days and it is not a fraudulent use. When I came back on Tuesday, XXXX XXXX there was voicemail on my home phone telling me to call Citi customer service or my charges would be denied. I called them despite that it was close to XXXX. The saga does n't end there. Upon checking my charges I found out that they are charging me 3 % for each foreign transaction. I called Customer service and explained but they referred me to the Card member agreement that lists foreign currency fees will be accessed against the account. 

1 ) Citi never sent me an updated card member agreement and it is not available online under my account. 
2 ) Citi provided me incorrect information when I called specifically to check if there were any foreign currency fees associated with the card. That was BEFORE I used the card overseas. 
3 ) Citi continued to try and reach me at my home number despite my call BEFORE leaving overseas and that I will be using the card overseas. 

Citi has refused to refund me the foreign currency transaction fees associated with my card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: OH
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 a private student loan with citibankfor approximately XXXX I filed bankruptcy in XXXX XXXX. From XXXX XXXX to XXXX XXXX Citibank could not contact me due the bankruptcy procedure. I received a letter in XX/XX/XXXX saying I owed the full amount. Prior to the stopping of communication due to my bankruptcy I was in deferment. When I spoke to Citibank when they contacted me by phone I said I was in deferment prior and wanted to know what could be done to get either back on or work with payments. They said I needed the payment in full which was XXXX, I was unemployed from XXXX XXXX until XXXX XXXX, I was receiving less than XXXX a month in unemployment which ended 2 months prior to me receiving my current job which is part time making about the same. Citibank refuses to work with me, they say I will be in default, I am 134 days past due as of XX/XX/XXXX, I was under the impression default is 270 days past due. I am not financially able to make a XXXX payment and they offered to take XXXX which is more than XXXX % of my current pay. I am not trying to not pay, I just would like to either be able to do a deferment or forbearance or make a lower monthly 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 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2016, I applied for a loan modification to modify my 2nd mortgage payments with Bank of America. 

Bank of America never worked on my submitted loan package. The paper work eventually expired and I had to submit another loan package on XXXX XXXX, 2016. 

Bank of America intentionally, delayed the review of my loan modification for over 60 days. I called dozens of time during the waiting period and got a recorded message of a Bank employee moving from this extension to another extension, and that they would be out of town. 

I finally received a phone call from XXXX XXXX. XXXX XXXX advised me my package was over looked and no one had worked on my loan modification package. 

XXXX XXXX informed me I would need to submit another loan modification package, because the paper work had expired. 

Bank of America intentionally used delayed tactics by not reviewing my loan modification package on time, and causing me to fall further behind on my mortgage payments. 

I lost over 60 critical valuable days by Bank of America not reviewing my loan modification package on time. Bank of America deliberately stalls and delays loan modification reviews so a borrowers fall further behind in mortgage payments. 

It took Bank of America 120 days to review my loan modification package because of the lenders delay tactics to avoid modifying my loan. 

Bank of America is also using these tactics with other homeowners who are applying for loan modifications.

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 2016-11-07
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
JP Recovery Services failed to provide information on debt collection as per Case number : XXXX. Additional details per case number above. Initially the debt was reported for XXXX XXXX, my wife however after we filed a complaint with consumer finance, the debt is being reported to credit bureau under my name. 
We are not aware of this debt, have not received any statements or invoices, JP Recovery services has failed to provide details on this debt and continued to report this debt to the credit bureau. This debt should not be reported to any credit bureau unless a valid invoice is submitted. As per our insurance, we do not owe any balance to anyone including this invoice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-10-25
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
harrassing me constanty for past one year. even though after i sent signed letter to claim that i need more details. the debts showed up on my credit report without justification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reference your complaint number XXXX. In reguards of this reference number, Bank of America ( XXXX ) Account, Bank of America Credit Card Account, Bank of America Home Loan, Bank of America Merchant Account, Regions ( XXXX ) Account, XXXX XXXX Account, XXXX Account, XXXX XXXX Account. This Accounts are in My Name The banks try to compromise my bank accounts along with my credit card accounts. My payments for all my accounts are paid promptly. Documentation for I my accounts have been approved and verified. Documentation provided physical address and contact information for Deposits in my XXXX Accounts. I have all credential and creditation for all my Accounts. I have made payments for all my Accounts, I have a hold on my accounts, try to compromise my account.The payments Deposit a hold was placed on the account. Some payments were reversed.I have proof of payments, and contact verification, physical address.

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 2016-05-17
Company: CITIBANK, N.A.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am a victim of ID theft and have a case on file with the XXXX Sheriff 's Dept. Case # XXXX and with the FTC # XXXX. I am requesting documents related to this fraudulent activity under the Fair Credit Reporting Act ( FCRA ). This act states " A creditor or other business must give you copies of applications and other business records related to transactions and accounts that resulted from the theft of your identity, if you ask them in writing ''. I have confirmed this requirement with the FTC ( XXXX ) and the Consumer Financial Protection Bureau ( XXXX ). This letter is an official request for documents related to fraudulent applications related to the theft of my identity. On XXXX/XXXX/XXXX a fraudulent application for credit was placed in my name at Macy 's at the XXXX XXXX and I would like a copy of that application mailed to me at the address above in accordance with FCRA. This is a follow up to complaint # XXXX filed with the Consumer Financial Protection Bureau on 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 2017-01-06
Company: College Loan Corporation
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/XXXX my student loans entered repayment. I received statements for payment from all of my student loan holders except for one : College Loan Corporation. I never received one statement from them. All of my other student loans were paid as agreed. Eventually I contacted that company because I decided to consolidate my loans to make repayment easier. At that point I was advised my account was in default. I was awed because I received NOTHING from them. The loan was paid off almost immediately, XX/XX/XXXX. Now I have a delinquency on my credit report which I is unfair. Me not receiving the statements ever was extremely deceptive and predatory. The loan has been satisfied for five years with any applicable fees covered.All I ask at this time is for my good name to be restored and my credit repaired due the College Loan Corporation 's error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-02-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Synchrony Bank Stienmart sold my account to a third party which is trying to collect on a debt that was writing off as bad debt. This account has been on my credit report shown as bad debt for a period of time. The third party that is trying to collect on this matter have put this on my credit report as that i open this account on XX/XX/2023 which is not true. This illegal maneuver have cause my XXXX XXXX to drop a XXXX points. This is a fraudulent act and should be rectify ASAP. I have sumitted a copy of the report showing the fraudulent act.

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: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loans were transferred over to Navient back in 2009. Navient has charged a ridiculous amount of interest to my account in excess of thousand of dollars.

Company response to consumer: Closed with explanation