BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, Last Tuesday night ( XX/XX/XXXX) I was researching two credit cards I want to start using, the XXXX XXXX Visa Signature Card by Bank of America and the XXXX XXXX XXXX XXXX  by XXXX. I accidentally hit apply for the XXXX card when I meant to apply for the XXXX card. I tried to cancel it right away but did not see a link to cancel. I then applied for the XXXX  card hoping it would still go through as intended. 
When I got my rejection letter from Bank of America on Thursday ( XX/XX/XXXX ), I saw the first reason for the rejection was too many recent credit card applications. Right away I tried to fix the situation by calling Bank of America to explain what happened and ask them to reconsider my application for the XXXX XXXX Visa Signature Card, but I could not get through the phone tree to speak to a representative. After that, I called XXXX to explain the situation and cancel the XXXX XXXX XXXX XXXX and they took care of it right away. 
My issue is that I have not been able to get in touch with anyone from Bank of America to discuss resubmitting my application now that the XXXX XXXX XXXX XXXX has been cancelled.

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 2017-01-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have my majority of my student loans through Navient, both federal and private, and they have refused to put me on an income-based repayment plan. I have pleaded and argued with them for months now and continue to deny me this service. I have also noticed that every time I speak to an employee at Navient I am told different information whether it is I can file for forebearance or not until my current balance is due, which they currently charged me late fees that add up to {$810.00}. I am sick and tired of being used as a living bank that they think they can take all of my money, and leave me with nothing to live for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, On XXXX/XXXX/15 Huntington Bank double debited checking account customers due to system errors. My account was affected, resulting debit transactions being declined even though I had money in my account. This was embarrassing and unacceptable. Moreover, My overdraft protection kicked in so i had to manually move that money back to my overdraft account. Once I moved the overdraft money back, Huntington also automatically moved that money back resulting in my checking account to be debited an extra {$1100.00}. We are now over 1 week since Huntington erroneously double debited XXXX folks and my checking and overdraft account are STILL broken. My own money has not been available to me for quite some time. I have been advised different things from various Huntington employees, and so far none have been true or correct. I have chat transcripts and there are recorded phone conversations as proof that I have been lied to on multiple occasions. I am very concerned that this will not get fixed, as we are at over a week since the double debit issue. This is extremely concerning behavior by Huntington towards its customers. At this point I have no choice but to continue to escalate, as I have bills that need paid and transactions I need to complete. Assistance in getting this escalated and resolved would be greatly appreciated. 

1. I was advised that since I manually transferred the money back to my ODP account the automatic transfer would NOT apply. This was not true. 
2. I then chatted with a bank rep ( I have the chat transcript ), who advised me to just transfer the money from the ODP back to the checking acct. This did not work since the ODP account was in the negative, another false statement from a Huntington rep. 
3. I spoke to a phone bank rep on XX/XX/XXXX ( which was recorded and on record ), who promised me the issue would be fixed overnight. This was not true, it had not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX I've reported to buearuse several times about addresses that are not mine on my credit to have removed they did not remove also there's soft inquiries on my credit that are incorrect and they have not removed also I told them I'm in a process with buying a house several times I've told them the charge offs that where settled between me and the collectors I've asked to have removed they told me show proof and they will removed not just I showed proof the collectors I settled the debts with told then I've settled my accounts and to have it removed not only the associates and manager 's refuse to remove off of my credit even though they told me they would if I showed proof when I did including false addresses as well on my credit I've Ben denied for a home because of this

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 2022-09-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple attempts to rectify this situation by contacting the reporting agencies and companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Netspend Corporation
State: IL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am a victim if ID Theft someone called as it was me and had {$1100.00} transferred to a XXXX in XXXX WI netpend states they are no error I informed them that was not me I was a victim of ID theft and needed my money returned they are refusing to give me my money back I have been a customer for 9 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been using my Citibank as normal. I transferred money to my fathers bank account in XXXX, and to my XXXX account, on the XXXX of XXXX, XXXX and the XXXX of XXXX, XXXX. After that the bank fr oze access to my funds in both my savings and checking bank accounts. When I called them on XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, they told me that the bank had frozen my accounts and they could not do anything as an i nvestigation was pending. They refused to tell me which transaction triggered the investigation an d review and disconnected my call. I called them again on XX/XX/XXXX, and I was transferred to multi ple departments, who could not tell me what the problem was. They just kept transferring me to oth er departments. Finally someone told me that I can not do anything until my account is being review ed, and that it could take months. I have around XXXX XXXX dollars in my account which I nee d to access to, so I can pay bills etc, but the account is frozen with no explanation.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 credit bureau is reporting medical collection debts against me that violate the No Suprises Act. The debts stemming from charges that exceed the amounts permitted under the No Surprise Act. Also the credit bureau or collection agency has been unable to send me any documentation or HIPPA authorization when requested.

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 2016-06-30
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:
Borrower of a Home Equity Line of Credit ( HELOC ) was approved for a Trial Loan Modification on XXXX XXXX, XXXX with an initial 3 month trial agreement that commenced XXXX XXXX, XXXX through XXXX XXXX, XXXX and payments of {$3300.00}. After the initial 3 month trial payments had been made by the borrower, the loan servicing company, Bank of America Home Loans told the borrower to continue making the trial payments until he received a permanent loan modification. The matter was escalated and finally on XXXX XXXX, XXXX the borrower received a package dated XXXX XXXX, XXXX with a " Home Equity Line of Credit Modification '' with instructions to sign and return the agreement by XXXX XXXX, XXXX. Upon calling the Bank of America representative on XXXX XXXX, XXXX to ask for an explanation of the terms of the agreement and to request how the " Trial Loan Modification '' payments from XXXX XXXX through XXXX XXXX would be applied. The Bank of America representative scheduled a follow up call on XXXX XXXX, XXXX and stated that there were mistakes with the calculations of the Home Equity Line of Credit Modification and that a new contract would have to be created, thus the borrower should not sign the agreement. The next call was scheduled for XXXX XXXX, XXXX as Bank of America would have some more details or a new contract. The call on or around XXXX XXXX, XXXX, simply said that no modification would be granted because the borrower never signed the original agreement. The borrower received a letter stating that the loan modification was denied. This letter was received on XXXX XXXX, XXXX but dated 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 2021-05-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).

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 2020-03-25
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Lease ended in late XXXX. US Bank billed me for the agreed upon lease termination fee, which I paid within 10 days of receiving. By the time I got the invoice for the lease termination fee, it was ALREADY PAST THE DUE DATE. I refused to pay a late fee because it took US Bank so long to send out the termination fee invoice. I paid the amount due in full, as I did every single lease payment. I have written to US Bank multiple times and return their phone messages advising them that they send me a lease termination invoice LATE and advised them THIS IS A DISPUTED MATTER. They continue to harass me by sending invoices, forcing me to repeatedly reply telling them this is a disputed matter. I paid the lease on time and in full. I am NOT paying for their sending me an invoice late. BTW, I did not terminate the lease early. None of the choices the CFPB allowed fit my situation exactly right. Attached is my XXXX of XXXX letter to US Bank and the most recent invoice from US Bank.

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 2022-09-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX XXXX, 2022, I contacted Citibank Shop Your Way credit card regarding the reward that was promised when I signed up for their offer : XXXX. 
A summary of Citibanks response ( Slide 1 ) is shown below : Offer : You can earn 10 % in a statement credit ( up to a total of {$90.00} ) on eligible online purchases which total {$700.00} or more each month from XX/XX/2022 ( or the date the offer is activated, Our record indicates that y0u activated the below offer on XX/XX/2022 Eligible purchases made prior to activation will not be eligible. 
Our record indicates that you did not qualify due to fail to meet spend hurdle. the total eligible spend was {$150.00} during the period of XX/XX/2022 06/30/2022.. 

In different communications on XXXX XXXX, I told Citibank that my total expenditures during the promotional period were above their minimum requirement. In fact, between XXXX.2022-XXXX.2022, I spent {$2300.00} ( Slides 2-4 ) well over the {$700.00} spend hurdle. 
I spent money in national grocery ( XXXX XXXX and pharmacy ( XXXX ) XXXX, fast food restaurants ( XXXX ) XXXX casual restaurants, doctors office, etc. and none of those transactions were considered. They only considered the purchase at 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 2016-10-06
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/2016 I sent of a promissory note to payoff my loan with Santander Consumer USA. It was sent by Registered mail and was delivered XXXX/XXXX/2016. I received a letter from Santander Consumer USA stating that they do not accept my note however they did not return it to me either. The note was for {$14000.00}. The tracking on the delivery of the note is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in XXXX I filed police report stating identity theft had taken place. One of the fraudulent accounts was from the bureaus, a capital one credit card. It was removed and then all of a sudden it reappeared back on my credit report recently which is fraudulent and reporting in activate an absolute information. Their address is XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX. And it has a balance of {XXXX}. Please investigate contact this company and make sure that they never put it back on my credit report because it has resulted in a decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has been the worst company I have ever dealt with. Since graduating college in XX/XX/2009, I have been laid off twice and graduated in the worst possible job climate. With no other choices I had to put deferments and forbearances on all of my loans until that option ran out. At this point in time according to Navient, I have officially run out of options. The harassment of phone calls has been unbearable. My mom and I are both unemployed right now, fighting to stay afloat and they offer me no concrete solutions. I even did a joint phone call with my mom last month telling them that we have nothing to our name. They do n't care. I owe {$3300.00} in past due amounts and I 'm drowning. When I did have a job I was able to pay everything on time. For example, last year alone I paid roughly {$12000.00} back to them. What really set me over the edge was my last phone call with Navient. The representative said that I needed to pay {$900.00} to Navient or else they would report the delinquencies to the credit bureau. They do n't understand that I have NO MONEY. I am unemployed and barely surviving with my unemployment benefits. I borrowed the {$900.00} from a friend so that they would n't report my late payments. After paying them, I received an alert on Friday saying that they had reported late payments to the credit bureau and my credit score dropped XXXX points. I 've diligently worked over 5 years to get my credit score to where it is and Navient has not only lied to my face but has damaged the one thing I 've been so proud of. I feel like I have been robbed. I struggle severely with XXXX and XXXX and this company truly pushes me over the edge. I have no where else to turn. I feel so defeated from Navient. I will gladly return my diploma from college if it will stop the harassment and help ease my state of mind. Why wo n't a company help their patrons calling in begging for a solution???!!! Navient has failed me and my family and I would never wish this pain and suffering to even my worst enemy. Please, can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 started sending disputes to the three credit bureaus for incorrect negative information on my credit reports. I have not received any type of communication back from the credit bureaus. It is going on day 65 and still no response. I have sent two separate disputes with no answer back. I sent the first round on XX/XX/2021 and the second round of disputes on XX/XX/2021 but still no response.

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 2022-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The reason for my dispute is because Capital one credit card is totally ignoring my claim # XXXX. this is why on XX/XX/2021 I received car repair from XXXX XXXX XXXX XXXX  of which I sent a letter on XX/XX/2021 to capital one explaining all of what happen and that I am unsatisfied with the services provided by the above mention and feel scammed and helpless that I had also contacted XXXX XXXX XXXX XXXX Corporate Filed # XXXX on XX/XX/2021, XX/XX/2021 and they never answer back also ignoring my claim. I also provided capital one with the inspection report and the breakdown of charges, also provided the sale contract where you can see the that I trade it in the vehicle service at XXXX the very next day Because my vehicle broke down completely which force me to trade it in for the lowest amount but capital one does not understand that this vehicle was sold and I can not provide a second opinion from a merchant on the same field its impossible so capital one decided to close my case and charge me all that money that I got scammed back into my credit card so I can pay high interest on a scam of which I was the victim of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: T.S. Holdings
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ data collections submitted my information to the credit bureaus, stating that I have a debt they are trying to collect. They are looking to collect {$5500.00} from me and someone else on a joint account for our townhome that we were staying in. They did not send written documents stating the nature of the debt. I also was notified from the original landlord, that we had 2 days to move out, or to pay the remaining balance for the townhome. I am confused as to why I was brought into collections by XXXX XXXX XXXX a year later, and why I was never notified before hand about said debt. Thank you! P.S. XXXX XXXX XXXX kept our entire deposit as well.

Company response to consumer: Closed with explanation