BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I made a payment to Citi XX/XX/XXXX and received a call that they never received my payment. I have the cleared check from my bank and the check was sent XX/XX/XXXX and cleared my account on XX/XX/XXXX. Citi has never asked for a copy of the cleared check and I have made many attempts through phone calls and email to resolve this matter. They have told me they would credit my account with the amount of XXXX while they investigated and they did not. when I email they say they will get back to me within 24hour with a response and all I hear is nothing. I finally received this email last week but still have not seen a credit on my account. They said they found the check but was unable to credit it to my account due to " some lack of clarity about the whereabouts of the check ''. I do n't know why that is my problems and why they ca n't credit my account. I thought they were processing the check but I 'm very confused and no one will respond to and let me know what it going one. They also said they would credit my account in 3-5business day and still have not seen a credit and its been 5 business days. They also stated in an email that they did not receive my check until XX/XX/XXXX which is not true. The check cleared my account on XX/XX/XXXX. I thought that it was illegal to hold payment. So they have my money but will not credit my account and I had to make another payment this month so I would not get a late payment. I should of had a credit on this account. I do n't know why they can hold my money hostage. I just want my money. They know I sent it. This is insane!!!!!

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 2020-03-10
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
There is a non-interest bearing principle amount of {$140000.00} on my statement that comes from a loan modification done in XX/XX/XXXX through XXXX XXXX. I have requested a breakdown of that number and how it was calculated on many occasions from XXXX/XXXX. XXXX with no real resolve. As of XX/XX/XXXX, the loan was no longer serviced by XXXX but Shellpoint Mortgage. On XX/XX/XXXX, I sent a request to Shellpoint asking for a breakdown of the non-interest bearing amount that was put on the back of the loan. I was specific in asking what portion were attorney fees and what attorney paid, missed payments, late fees etc ... I did not get a breakdown but they sent me the original modification documentation in which I already had and it does not outline any breakdown of that amount. The request was then forwarded to the Trustee, XXXX XXXX XXXX XXXX , XXXX and they responded on XX/XX/XXXX with sending an amortization schedule reflecting over the life of the loan. 

I'm at a stopping point since I can't seem to get this information in which is a reasonable request and as a consumer that is required to pay this amount, I believe I should know exactly what the amount represents. An additional note is at the time I got behind in my mortgage, the back payments and fees would have been well below {$140000.00}. So I am concerned that perhaps there was an error in calculating the back amount and any type of fees associated with the modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient has not provided me with any validation that I demanded. I have asked for any agreements signed with them that I all them debt also anything with my signature on it that shows that I owe them dept. Plus complete payment history on this account along with accounting of all additional charges being assessed. Along with many other proof of depth. I do not owe this company dnt know how I obtained dept with them. The info they do send is inaccurat. They have many inaccuracies on my credit and it is affecting me getting a home loan at a decent rate. I do not owe this company any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
The closing papers that were sent me are dated XXXX/XXXX/15. That means that I contacted BB & T before that, to start the process and I do remember that it took some time for me to get the closing papers sent to me. With that being said, my original call was around or before XXXX/XXXX/15 to the loan officer at BB & T. I can not prove what the exact date is because it was a phone call and I did not think that I would have to create a history log. 

Around XXXX/XXXX/15 I called BB & T XXXX office to complain and got what they call " the chairman 's line ''. This is when a manager above my loan officer called me. I informed him of the long delay in processing my loan and that I now have a late fee. I asked for the fee to be removed and to look into the delay of my re-fi. He said that in order for him to remove the existing late, I needed to bring my loan current. To which I did and by closing out my IRA account. The closing check was just over XXXX. I also informed him that when I asked my loan officer why the delay, he said that re-fi take back seat to new loans and that they are overwhelmed right now due to changes in the regulations. The manager agreed with that statement. 


On XXXX/XXXX/15 I received the follow email : XXXX, I got a call from the processor, XXXX that she was ready to submit your file to underwriting, but that we needed the XXXX payment to be current. When do you expect to make that XXXX payment so we can get your file underwritten please? 
Thank you - XXXX is the loan officer. I called him and said that I have my IRA closing check and it is just over XXXX and I would like to put it towards a down payment. After running some simple numbers we agreed that it would not make enough change in the payment value and he also said that he would have to redo the closing papers. So I agreed that I will bring my existing loan current and the remaining will go to pay off some debt. 

From the email I just referenced, I brought my loan current and was under the impression that the loan had been pulled and sent to underwriting. I have not received ANY calls from BB & T since then, saying the my loan was past due, none. 

Just the other day I received another email from my loan officer saying that I need to provide information pertaining to make IRA deposit of XXXX proving where it come from. It is under XXXX and a legal deposit! He also informed me that I need to bring my loan current again, by 2months. This is of it self, will change the closing loan value. Today XXXX/XXXX/15 I called BB & T XXXX to file a complaint and spoke to a manager. He said that a senior manager would be in touch with me within 2-3 days. He did not give me a direct line or any way to follow up, upon my request, should that not happen. That is when I decided to file a complaint with CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

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 2016-11-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX, 2016 Dear Madam/Sir : I ( XXXX ) and my wife XXXX XXXX used credit cards issued by Citi cards. Citi bank and Citi cards closed our credit cards accounts without any reason. We have used the Citi credit cards for over 10 years and always paid the monthly payment on time. It is OK if they want to close our accounts. However, they removed all " cash rewards '' or " thank you points '' from the last statements of all our cards. This is unacceptable. We sent two letters to request for solving these issues. They responded that they can forfeit the " cash rewards '' or " thank you points '' upon closure. It is unfair. We are looking forward to getting helps or suggestions from you. We think there are maybe many other Citi cards clients were treated in the same way. We want you know these issues and help us to get necessary protection. 
I have enclosed copies of two statements ( last one and the last one having card reward value on it ) for each card, a letter from citi cards, two our letters to citi cards. 

Thank you for your attention on these issues, Sincerely, 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 2015-12-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
MY account was closed with American Express bank, but i never received the money that was in my account, there was about XXXX dollars still in my account when the account was closed, and i have yet to received the money and its been MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX placed me in Equifax credit reporting for a {$230.00} bill they claim I owe. I have never in my life gotten any thing from XXXX. They said I purchase cellular service from them. I do not have cellular service with XXXX. I have never been in either XXXX of their stores. They claim I signed my name XXXX XXXX. The Rep got very smart with me and told me over the phone that I did sign the documents. She said I sign my name XXXX XXXX this is something I never do. I sent them XXXX letters XXXX of which was notarized by my bank. They never responded to either of my letters. When I saw the credit report from Equifax I told Equifax I did not get any thing from XXXX XXXX but they never did any thing about it. I have never even so much as gotten a bill from XXXX XXXX. I did not fine out about this until I got a copy of my credit report and they were listed on it. Sometime later they sent a letter saying I did owe the {$230.00}. They never sent me any documents to see the signature on the documents. Instead they say I owe the money. They will not send any copies of the documents. they never answered any of my letters. Not a XXXX XXXX of them. I did not get any thing from XXXX XXXX. To be totally honest with you I do not like XXXX XXXX products they are too high with their products and I told them that. I have never had any products from XXXX XXXX. I got my phone from XXXX and I have had my phone for over 4 years and before that I had XXXX on a contract with some XXXX else for over 6 years. I have never owned a XXXX XXXX phone and I would not have XXXX if they gave it to me. They are just to high for me when I can go to XXXX or XXXX and get the same phone for a lot less money. Right now I have a XXXX phone. It has the same features as a XXXX phone. I want them off of my credit report. This is a fraud. They never sent me not XXXX bill but they put it in with Equifax and said I owe them this money. I do not owe XXXX XXXX any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am writing on behalf of my XXXX year old deceased father, XXXX XXXX in regards to leasing a vehicle from XXXX Honda in XXXX XX/XX/XXXX. He went to the dealership alone at which time the dealership charged him {$1500.00} even though he was turning in his XXXX Honda and leasing a XXXX Honda Civic ( which I never heard of any dealership doing ). He passed on XX/XX/XXXX at which time we attempted to return the vehicle ( which is in perfect condition and only has XXXX miles since he became ill in XX/XX/XXXX ). I called the dealership, explained the circumstances and was instructed to bring the vehicle back. The first salesman we spoke to stated that the dealership would take the vehicle back " no questions asked '' under the circumstances. He contacted Honda Financial at which time they stated they would not take the vehicle back unless monies was paid to them for the return. The choices that the gave were either 1 ) buy the vehicle out or 2 ) pay an additional {$3500.00} and give up the vehicle. I believe they took advantage of a XXXX year old ( at the time of the lease ) man and are continuing to take advantage of him even after his passing. We returned to the dealership after learning the name of the salesman the following day who also stated the dealership would take the vehicle " no questions asked '' under the circumstances. After four ( 4 ) hours of dealing with the salesman, manager and Honda Financial Department, the car was again brought back to my father 's residence which is now sitting in the driveway. We would like the dealership to take the vehicle back as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LoanDepot.com, XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Loan Number ... XXXX On XX/XX/2020 I paid my first payment on my loan of {$2700.00}, due on XX/XX/2020. It was deducted from my Bank account by electronic funds transfer ( EFT ). On XX/XX/XXXX their system automatically deducted an additional {$2700.00} payment and treated it like it was a regular mortgage payment, deducting for interest and escrow. 
I tried for weeks to get my money back by calling them and sending messages, but I still have not received a check or EFT refund of {$2700.00} as of the date of this letter. Two agents told me that the funds would be returned by EFT and the rest said that the check was mailed on XX/XX/XXXX. 
Finally, on XX/XX/XXXX a supervisor called me. He said his name was XXXX with an employee ID of XXXX. He said that a check had been mailed to me on XX/XX/XXXX but offered no proof that a check had actually been mailed. He suggested to me that I call my bank and ask them to stop payment on the XX/XX/XXXX overpayment. I told him that I thought it was probably too late to do that, but that I would try. He agreed to call me the next evening to follow-up. 
I called my bank on XX/XX/XXXX and they stopped the payment immediately and refunded my {$2700.00}. That evening XXXX called again, and I told him the good news. He said that he would simply put a stop payment on the check and that I didnt even need to return the check, if in fact I ever received it. I thought that was the end of this nightmare. 
Today, XXXX XXXX, I looked online at my account and discovered that their automated system is now saying that I missed the payment of XX/XX/XXXX and that I am 24 days late on my payment. 
I paid my XXXX monthly payment on XX/XX/2020. They have not returned any money to me. 

To avoid having their system charge me with a late payment, I submitted a payment on XX/XX/XXXX, to be paid on XX/XX/XXXX. Again, their system has deducted the payment twice, apparently because their system has recorded that I never paid my XX/XX/XXXX payment. This is a nightmare. 

There is no one I can call at the company to correct these problems. The company has taken on too many clients and does not have trained staff to correct problems with their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a complaint on Experian in a previous complaint. The complaint # is XXXX and it is still open. The CFPB responded Experian has provided a partial response. I have pasted their response below. In their response they say they will contract the data furnisher. This item was already disputed several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original CFPB complaint. My question to the CFPB is why does Experian need and why are they being permitted to do another dispute and contact the data furnisher if they did this when they denied the dispute a few weeks ago?? If the CFPB reads the Equifax response, it does not address my complaint. This looks to me like a auto response or a form letter. This is exactly what is wrong with Experian. 
I am asking the CFPB to immediately require Experian to provide me with the documentation they used to validate the XXXX XXXX item on my credit report. This documentation must include the original creditor documentation for the account being reported and documentation showing the exact date the account went delinquent. 

Below is the Experian Auto Response Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A bankruptcy from XXXX XXXX XXXX keep showing on my XXXX reporting companys The problem is they should not be on my report. I sent them proff of the dismissal letter and they overlooked it. They also are still reporting another bankruptcy that was also dismissed back in XXXX it also should not be on my report. As a result of this I am not able to get the Va home loan that I need for my family. I have also been turned down for credit due to this Please get them to take the multiple credit inQuiries off credit so that I will not have a problem getting a loan. I have also asked them to take off a collection from a hospital in texas that did not file my XXXX claim and as a result they have got a collection on my credit that should not be there, I have tried to get them to remove it but I guess they refuse. All want from these people is to clear up the mistakes on my report.

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 2016-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have provided the information to Experian to remove the XXXX negative from my report as I did to XXXX and XXXX XXXX. They XXXX removed the negative from my report because I was right and XXXX was wrong. Experian will not remove this negative from my report, I spoke to someone at Experian and they told me to contact you so you can dispute their decision. I 'm asking that Experian remove this negative, like the other XXXX companies.

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 2020-03-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute with experian multiple times via online and also by mail. I have submitted documentation to verify my identity and to notify them that my identity was once stolen and I have never had any auto loans or leased any vehicles. My identity was stolen In 2013 and XXXX  and XXXX  have removed XXXX consumer auto loan off my credit but experian refused to remove it. I also sent a letter stating that by federal guidelines that i wanted copies of the original documentation that was used to determine the investigation results and experian have failed to provide that.

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 2015-06-12
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Privacy

Complaint:
I have a Macy 's AmEx. Yesterday I received an unsolicited issue of XXXX magazine. The mailing label said " Macys American Ex '' and listed my address ( not my name ). Immediately preceding " Macys American Ex '' was the password to my Macy 's account ( which has since been changed )! So not only did Macy 's not keep my password private within the company, it sent it to the magazine publisher and through the USPS!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief