BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
In the midst of the pandemic in XXXX, we returned our KIA lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised KIA Finance by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be XXXX and there would be delays in receiving any paper mail while we were overseas.

We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from KIA Finance. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by KIA FINANCE in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. 

We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked HYUNDAI KIA Motor Finance to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. 

We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.

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 2016-06-03
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have not received promotional points which were promised by Citibank by signing up for their citigold bank account. I have message from their service representatives promising that it would be deposited by XXXX. However that has clearly not happened and their customer service representatives have not been able to help over the phone or on the web.

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 2016-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
In approximately XXXX during the credit financial crises the credit card companies greatly increased their APR rates. Card holders were given the choice of accepting the higher rate and keep the account open or to opt out of the higher rate and keep the original lower rate that would be fixed for the remainder of the balance owed and the account would be closed with no further credit allowed on that account. I opted out and had a fixed rate of 5.99 % on the balance owed and the account was closed to further credit. I was charged the rate of 5.99 % on the balance owed until XXXX XXXX. In XXXX XXXX the rate was bumped up to 6.24 % which I have been paying ever since. I called CITI Cards to find out why this higher rate is being applied to my balance as it is supposed to be fixed at 5.99 % for the remainder of the balance owed. Their statement was it was not their doing, but because the Federal Government raised the prime rate 1.25 % and this has to be passed on to the consumer. I called the CFPB and was told there was no such record of that happening or any reason for the card company to raise the rate that was supposed to be fixed on old balances. I would like to know if it is legal for CITI Card to raise the interest rate on an old balance from an account they closed in XXXX with the agreement that the balance of the amount owed would be charged at 5.99 % fixed when the card holder opted out of the higher rate out back in 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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-16
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This loan was created in XX/XX/2021 under misguidance and fraudulent terms. During the duration of the loan, upon my making monthly payments, there were multiple accounts with this creditor created in my name, without my consent. I have on document multiple account numbers for the same loan. In addition, I signed the original contract with TitleMax, but documentation notes that the contract is with XXXX XXXX, XXXX. and another agency. The TitleMax Manager that created my contract noted my physical appearance, height, weight, nationality, etc illegally. I did not consent nor did I volunteer this information. 

When I learned of these and other discrepancies, I immediately requested each contract signed because I had never received them. In addition, I mailed certified documentation noting that I was opting-out of their arbitration clause as instructed in the contract. I did also mention that I was in pursuit of legal assistance to resolve the matter. 

After some time, perhaps a few weeks after I refused to make payment and pursue it legally, a legal team director, I believe called me and offer a settlement of {$8500.00} within a couple weeks time. I told him that I would need some time to get back to him on the timing and amount. 

I did not call him back until the day I was to sell my vehicle. He told me that after our first conversation, he submitted documentation that I had agreed to his quote. I never agreed. 

I was prepared to sell my vehicle and pay cash to end the loan, however the entire company stalled when I asked for a Payoff Agreement. I could get no resolve from store management, neither the legal team director in Ohio. They stalled for time over and over again, and mislead me in order to further stress the situation and exhaust the last day before they'd repo. They did not want my money. They wanted my vehicle. 

In the end the payout paid was {$8600.00}. I'd also paid a few monthly payments of $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: DE
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid I 've XXXX dollars and was told my puppy had a 99 % survival rate if I kept her there .. puppy had a turn for the worse I was never contacted when puppy passed I have called multiple time in attempt to speek to dr which I was told would be be only one to adjust fees never revived a call my puppy 's dead. It 's was held XXXX for over 30 days I was told XXXX dollars was the balance then collections is going for over XXXX XXXX the 99 % survival rate is why I kept her there I was told she should make it isf I left her ... again dr never called. It sure if any in my messages were relayed to him but I did pay I 've XXXX to this place. And the collection amount is incorrect and dr never called to discuss further amounts since the puppy did not live with his garunte of 99 % survival had I been told XXXX I would have taken her home just like I told them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Got best buy credit card, witch I did not signup for. Somebody charge XXXX dallors on it before it was even activated.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus Transunion today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-01-31
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have checking account at PNC Bank. On XX/XX/2020 I tried to check my account online but was denied access. On XX/XX/2020 I went to the PNC branch on XXXX  and the XXXX XXXX XXXX XXXX. My ATM card did not work, meaning that I was denied access, I asked to speak with a banker and the banker advised me that I would receive a letter in the mail. I left confused so I called customer service and they advised tthat the account was frozen for my protection. I advised the customer service rep that there was not any fraud and veried the charges to my account. He did not speak very good XXXX but told me that he would send me a letter and a cashiers check for the balance. I advised the representative that I had not done anything wrong and was not sure why they would close my account. The represe tative asked me if I wanted to file a. complaint and I said yes. The representative advised me that his supervisor would call me the next day and reopen the account. As of today, XX/XX/2020, I do not have access to my account or my funds a d have not received written or verbal communication from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, 2016 I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Frequent flier XXXX XXXX miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least { {$500.00} } in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX 2016 and received verbal confirmation that the offer was attached to my account. I quickly completed the requirements. 
On approximately XXXX XXXX, 2016 I contacted Citi and spoke to a representative who assured me that I had met all the requirements and the promotional code was attached to my account. He stated I should see the miles post to my account by XXXX XXXX, 2016. 

I just contacted citibank today on XXXX XXXX, 2016 to see whether the requirement completion was done and when I would be expecting to see my miles. They sent me back a response saying that the offer was never tied to my account. 

I immediately appealed this citing confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least { {$500.00} } worth of frequent flier 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 2020-06-13
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our house of 15 years was sold from under us! Our second mortgage, Statebridge, said that they'd work with us to prevent foreclosure ; jjust needed to submit their Loss Mitigation. Which we did! Regardless of their additional requests for documents, we did it! We have XXXX kids on XXXX different schools, and while their father, my husband, was recovering from a XXXX, and my eyes were worsening to XXXX   XXXX  ( XXXX XXXX ), we did it!! And I s/b finally receiving XXXX ( I have a phone hearing with XXXX XXXX next month on XX/XX/20 ). It is my understanding that Statebridge bought the first mortgage from XXXX XXXX and maybe it's because they wanted to foreclose on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Navient Solutions, LLC.
State: DC
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 did n't realize I was a victim of the Student Loan forgiveness Scam. I gave out my SSN # and credit card info. I 'll contact my bank to cancel the transaction may occur but what I do with the SSN # already gave out? Please see below info what have been exchanged over the email : Hey XXXX, Your file was approved yesterday & we submitting a request to put your loans on admin forbearance. It typically takes about 2-3 business days for it to be approved. They will no longer ask you for payments after the weekend. 

Best, On Wed, XX/XX/2016 at XXXX, XXXX XXXX XXXX wrote : XXXX, I still receiving email and phone call from Navient, when will I get the approval that it 's no longer from Navient but from the Income Driven Program of loan forgiveness that we were working on previously? 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2016 XXXX To : XXXXXXXXXXXX Subject : Contact Information - XXXX XXXX XXXX XXXX XXXX, congratulations again on your approval for the loan forgiveness program! Friendly reminder to send in your Proof of Income to our processing department as soon as possible. Should you have any questions or concerns please do n't hesitate to contact me through phone or email. Best way is through email as I am usually always on the phone. Thank You! 

Please feel free to share my contact information with anyone that needs help with their federal or private student loans. We would love to help them qualify for a better program and possible loan forgiveness! 
XXXX - More Information about these programs White House Website : XXXX Ensuring That Student Loans are Affordable | The White House www.whitehouse.gov Ensuring That Student Loans are Affordable. download as pdf " Let 's tell another XXXX students that when they graduate, they will be required to pay only XXXX ... 

Defaulted Consequences : XXXX Consequences of a Student Loan Default - FindLaw bankruptcy.findlaw.com A student loan default occurs when the borrower fails to stay current with the payments on their student loan. Delinquency begins the first day a borrower misses a XXXX - Online Account where you can view your loans XXXX National Student Loan Data System for Students www.nslds.ed.gov The National Student Loan Data System ( NSLDS ) is the U.S. Department of Education 's ( ED 's ) central database for student aid. NSLDS receives data from schools ... 
-Click financial aid review -Click Accept - '' Log in '' Username : XXXX PW : XXXX Please do not change the password as our processing department needs it to work on your file. 
Student Financial Services XXXX / Compliance Manager XXXXXXXXXXXX / XXXX EXT XXXX Student Financial Services Processing : XXXX / Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Hours of Operation : XXXX - XXXX ( PST )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a Home equity loan with Bank of America since XXXX 2013. It is supposed to be a 25 y conventional with fixed payments and fixed interest rate. This loan has been nothing but a problem. I think Im being taken advantage of mainly because most of the money I pay monthly on a timely fashion gets posted to interest and MISC and on several occasions zero posted to principle. I Received monthly statements with different amounts due each month. I requested an audit to be done on my account several times as well as provide me with an amortization schedule, which I was told several times that " .... this loan does not have an amortization schedule, it is a rare product that BOA only has XXXX of these unusual loans ... I do not understand it myself.. '' the BOA rep said. 
It was never disclosed to me that it was an unusual loan, I feel it is a preditory loan because 90 % of my payments go to interest and misc postings ... and on several occasions, zero to principle. I have always paid on time. After I got hang up on several times by the BOA reps, transferred from dept to dept and to automated systems where I had to wait for hours at a time and got disconnected, I decided to reach out to the CEO of BOA hopefully I can get some clarification. I sent him XXXX emails and I got contacted by the resolution department. They reps in this department do not seem very knowledgeable about this type of loan either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I just would like the XXXX Federal Government to do what is right byrequiring that all nonbank institutions ( ex. PayPal, XXXX XXXX, andVenmo ) become FDIC insured. Doing so would prevent financialdisaster for many customers if their nonbank institution were to ever gobankrupt. It 's just better to be safe than sorry!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XX/XX/XXXX, XX/XX/XXXX i notice two bankrupcy appears on my credit report with XXXX that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with experian but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also transunion is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.

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