BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In my filed complaint BB & T did not answer the following questions. 
How can funds received for on time payment by BB & T get posted and reported as late? See attached XXXX statements. 
1. Explain where did my money go. 
2 Why my payments were not posted correctly to my account as on time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I clicked on a website for 'get current mortgage rates ' and filled out my name, address. Immediately someone from Quicken Loans called me. I specifically told him all I wanted was current rates and he said he just wanted to know about my current situation so he could see if he could help. He then apparently submitted a mortgage application in using my name because I received a denial letter. I did not apply for any mortgage from this company and this has to be illegal on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Trident Asset Management, L.L.C.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed this debt numerous times and this company continues to report on my credit. These charges are not mine they are a result of fraud and forgery. i have submitted affidavits many times and they continue to collect and report on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: I.C. System, 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:
We cancelled home Internet services with XXXX XXXX XXXX when we moved. We went into the store closest to our home, returned our equipment, and paid our final bill in full. We have the receipt for this transaction and we were told at the store that we were " good to go. '' XXXX XXXX XXXX reported us to a debt collection agency for non-returned equipment one month later. We received absolutely no notice that this would occur, even though the company has our mail forwarding, current phone number, and email. The first information we received was from the debt collector notifying us that we had been sent to a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: N.A.R., Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The reporting agency is reporting that I owe  two  separate amounts which is not true. I owe this agency no money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: MB FINANCIAL, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with MB Financial. I paid the amount shown on the coupon that I received from MB Financial. They received the payment on time and cashed the check. However, MB Financial stated that the payment was short as the escrow amount was by about {$18.00} due to a change in the escrow amount. MB Financial does not send statement ( by mail or electronically ). So, there is no way, other than the coupon, to determine the payment amount. When I was notified about the shortfall, I simply paid the difference over the phone. However, the problem is that MB Financial reported a 30-day late pay to the credit bureaus. My credit score dropped by XXXX points and I am unable to refinance a loan. MB Financial refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've received notice and calls from Diversified Consultants in regards to an alleged debt owed of {$950.00}. I sent a dispute letter for validation to them a couple of months ago and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
getting debt collection calls at work and on my cell daily. They say that there is a claim against me and to call back. This is a pre-recorded message " robo call '' getting them for months at my job looking to sue me for a loan I do n't have. I think Rise Credit has sold my personal information to a scammer since they are the only ones who have my information like cell phone, bank info, social Security number and cell phone and work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XX/XX/2013, should be removed. Scottrade is in possession of a police report that supports this request.

Company response to consumer: Closed
Consumer complaint received 2017-08-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Late 2016, Comenity Bank/HSN closed my account without cause. I had been paying on the account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I asked Chase bank customer service to set up my checking account so that it will not allow transactions to process if there is not sufficient funds in my account. In essence, so they would bounce back to the originating source. Chase cs sent me a link to use but it did not work for my checking account. Since then several transactions have processed through my account when there has not been sufficient funds and they are charging me fees for these items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Overdraft, savings or rewards features

Complaint:
This account is not suppose to overdraft occording to the rules upon opening it. Ive been charged double fees a few times and it is not acceptable.This acct is a XXXX Card by Citi ( its for XXXX donations {$25.00} per donation with numberous fees charged as wel ) Frankly I think it very unfair to the other donors that are cheated to

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 2016-01-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called XXXX Bank to remove as an authorizied user thats effecting my credit for XXXX dollars of over utilization .Please have them take off this account thats dragging down my credit score only this XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I received a a letter on XXXX/XXXX/2016 advising that my " XXXX '' account was being cancelled and I had the ability to re-new. The envelope and memo were non-descript so I was not aware what this service was really about. I thought this was a phishing scam. 

I called on XXXX/XXXX/16 and was advised that Citibank had signed me up for this service since I had done business with them in the past. It seems this service is a credit monitoring service (??? ). The agent cancelled my subscription and was helpful but was not able to provide any contact info for Citibank. I have NOT had a Citibank account for years nor received any notice I was being signed up for this service OR what access to my records they were actually monitoring. 

I 'd like to understand why Citibank was allowed to do this without my permission and what personal information does this company have access to. 

Their contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Citi Bank division Card Services issued me a Citi Prestige Credit Card. Benefits of the Citi Prestige were to reimburse expenses to purchase up to {$100.00} a XXXX XXXX XXXX. 

Went to Global Entry Web site ( XXXX ) and purchased the XXXX. 
XXXX charges were made : 1. US Customs - {$50.00} on XXXX XXXX, 2016 2. US Customs - {$50.00} on XXXX XXXX, 2016. 
Both charges were done through XXXX web site and permission of Ciit Customer Service. 

Citi Cards Services has FAILED to reimburse me per the Citi Credit Card Prestige promotion and not I lost {$100.00} in unplanned and unreasonable expenses. 

Citi Card refuses to respond to my complaints after 7 phone calls and 5 emails on this topic.

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 2015-11-19
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Citibank unilaterally changed the terms of my home equity loan. The bank stated that I could not use the line of credit to withdraw any money for the last several years. I believe this to be a breach of contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
HSBC is reporting a charged off acount on my XXXX and XXXX credit reports. This account was involved in litigation in which I prevailed and the case was dismissed with prejudice and the account was to be removed entirely from my credit report. The account remains on these XXXX reports showing XXXX balance but reporting negatively and inconsistently between the XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
sent XXXX letters to both parties on XXXX/XXXX/16 and XXXX/XXXX/16 as of today no response of verification of debit. In both letters I asked for signed copy to validate the debit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I closed the credit card account and left the country. I lived in XXXX for the next 5 years and come back to realise that I have debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Issue: Billing statement

Complaint:
I called Synchrony Bank as my Chevron card had been declined. I was informed that since I had filed bankruptcy, the account had been closed -- no disputing that. The changes and payments on the account were all post-bankruptcy, and I asked if I would receive a statement for my final payment. I was told that since the account was closed, I would not receive a statement. I asked what the balance was and was given the current amount. I was told I could not make payment online or over the phone but had to mail the payment. I am not comfortable making a payment on a closed account where no balance will be documented for me to verify.

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 2016-05-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Other

Complaint:
i have apply for credit card at Brclysbank DE but i was turn down in the report i send you with the attachment on page XXXX at the top brclybank DE is on my report as a creditor i did not get any credit card i have call the company and they say something about deletion letter

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 2016-12-22
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Barclays Bank has blocked access to my savings account with over {$40000.00} in cash deposited.

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 2015-09-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Fraudlent AppraisalBreach of contractDenial of due process ( Arbritation ) Illegal accounting practicesIllegal use of Government Funds ( XXXX ) HFC lured Me into a loan agreement by overvaluing the residence by {$70000.00}. I was denied arbritation and taken to Civil Court. My contract stated if arbritation was requested by one Party the Other Party could n't seek relief in Civil Court. HFC would n't account for the large amount they recieved from XXXX and other charges applied to Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Midland Credit Management PH : XXXX attached my bank account with no notice to me on a debt that is at least 7 years old. I had gotten no notice of a court date ( if any ) or that they were attaching my bank account!!! I only found out by trying to by fod at the store and my debit card would not work!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Platinum Holdings Group, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My debt was sold to a third part called Worldwide llc. This company called my husband threatering to take our home. They then called my job and I asked them to stop. They are now calling my companies corporate office threating to sue them. They call over XXXX times a day on my husbands phone and my work phone hanging up when we answer. They have also discussed the debt with both my husband and employer. I have notified them I am in the process of filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collectors from Navient Loans have called every day for 6 months for someone named XXXX who had this phone number previously. 

Repeated attempts to explain who I am and my lack of connection to this person have resulted in aggressive tactics. I have blocked their previous numbers only to have them use alternative numbers to contact during my work hours repeatedly. 

The last number they called from was XXXX. 
Prior to this : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Constant robocalling from Harris & Harris calling to collect money, at minimum XXXX per week from # XXXX and many times after XXXX CT to the point of harassment violating the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Colony Brands, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I HAVE BEEN PAYING ON THIS ACCOUNT AND IT IS STILL SHOWING NEGATIVELY ON MY ACCOUNT. ACCORDING TO THE BALANCE ON MY CREDIT REPORT I ONLY OWED XXXX. I HAVE PAID THAT BUT WHEN I CALL ABOUT MY ACCOUNT THEY CA N'T FIND IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I made consistent payments to Navient for a year, then they raised the payment. After asking to continue at the affordable payments, they refused. I could n't understand why they would n't want consistent lower payments but sent my accounts to a collection law firm. Now I am getting calls from them every 10 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
XXXX-Navient are reporting ( XXXX ) XXXX-Navient student loans delinquent in error to my XXXX credit profile. I have attached letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX from NAVIENT regarding the name change and the Federal and Department of Education ( XXXX XXXX ) loans that are currently being reported on my XXXX credit profile for XXXX and XXXX XXXX and XXXX XXXX all are XXXX XXXX student loans before the name change. Please update the reporting of my XXXX XXXX loans on my XXXX credit report to reflect current as they have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: NC
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 called Navient and asked if I could lower my monthly payments by a few XXXX dollars each month ( XXXX to about XXXX a month ). They told me that both myself and my cosigner needed to file a financial statement. My cosigner, who is also going through economic hardships ( divorce and alimony payments ) was denied because he makes to much per month, even though they did n't take in to account the money he is required to pay by law each month. I recalled and asked if their was any other option available and was quickly informed that there were not and that me or my cosigner were required to make the payments. I told the Navient employee that we both can not make the payments and that there has to be other options including the one I was currently looking at on their website which states that if you work under XXXX hours a week you are eligible for deferment. Currently I am looking for a full time position but am only able to work XXXX hours a week. The employee quickly told me that I was not eligible for deferment based on hours worked per week. When I asked why that option was on their website they had informed me that I was wrong and there was no such program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cancelled my credit card by phone before the yearly fee was due. Nothing is owed on the card. After several times and many hours on the phone, the bill for the $ XXXX yearly fee keeps coming. On the phone, three times they said it was resolved and the fee cancelled. My credit rating dropped from XXXX to XXXX, with no other change to my finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX I was notified by the buyer that they had accepted my offer of a XXXX so I emailed my lender the information he needed to begin my mortgage application. He let me know that my realtor had already sent him that information and that he would be sending me my disclosures that afternoon. However, I did n't receive them until the XXXX. He was very hard to contact and very slow at replying to emails. I was scheduled to close XXXX XXXX. I did n't receive my final disclosure document until XXXX XXXX on a Saturday. My first disclosures showed that Closing cost were overpaid by {$870.00}. My final disclosures showed that I needed to bring {$1200.00} to closing. I was confused as to how my closing cost went from XXXX dollars to over a XXXX dollars bringing my total closing costs to over {$8000.00} on a XXXX loan. I tried to get in touch with my lender but of course, as always, he was unavailable. Someone later called me that afternoon ( not my lender ) and informed me that if I did n't sign and send that day I would not be able to close on Wednesday. Closing disclosures should not be sent out on Saturday when no one is available to answer your questions.

Company response to consumer: Closed