BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-17
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I went in to Arvest Bank on XXXX XXXX in XXXX,, on XXXX/XXXX/17 to open a savings account. Although I have been a customer and have a checking account for several years, I was turned away. The account representative and the branch manager said they could not tell me why other than that they use XXXX and that I am on a no new account list. I called the main office ( XXXX # ) and was not given any more information. I was told that they do n't know why this happens and to call the social security administration. I requested a report from XXXX on XXXX/XXXX/17 and I was furnished with a report dated XXXX/XXXX/17 noting " No Information Found ''. My complaint to Arvest is they should have handled this differently and been able to provide me with information why they were denying me opening a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
TALKED, FRAUDULANTLY POSTED TO CREDIT REPORT, WOULD NOT RESPOND, MADE SEVERAL SCARY PHONE CALLS TO ME AND MY DAUGHTER, THREATENED TO PHYSICALLY HARM ME.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA RECOVERY SERVICES is reporting a debt in the amount of XXXX to the credit bureaus that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I opened a CD with CITBank on XXXX/XXXX/XXXX. I closed it on XXXX/XXXX/XXXX. It was a XXXX year CD. The interest earned was {$1600.00}. They charged me {$2100.00} in penalty. I think this is abusive. I am XXXX under extreme financial difficulties. Please help me on this issue. I can understand taking all my interest, but this is ridiculous. 
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Unified Portfolio Servicing LLC XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX Calls family members in Alabama asking for me, when my grandmother or mom advises them that I am in XXXX the caller then explains to my family that " he is in trouble '' my grandmother and mom naturally ask if im ok but the caller states " i need to reach him about money he owes ''. 

I disputed this credit inquiry with XXXX, it was removed due to lack of documentation or response. When I explained this to the Oracle group they tell me this is not enough to end the discussion. I then asked for evidence of the loan which I show as paid off in full, they change subject to paying it off. I advise them that I paid it off and on top of that the original loan came from XXXX XXXX who is not responding to XXXX Inquiries. 

The employees at Oracle cut me off and state things like " who cares are you refusing to pay? '' When I ask for documentation. Im curious as to why documentation is so hard to get? It would need to be pretty solid to start calling family members I assume.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX I contacted the debt collection agency MRS BPO Located in XXXX XXXX XXXX XXXX XXXX NJ XXXX at XXXX because my debt from XXXX XXXX had been transferred to them. I was able to resolve the debt and provided them with my updated Mailing address and contact number as well as set up a payment arrangement with them. On XXXX they took a payment out of my checking account and on XXXX, they reported to the credit bureau that my account was delinquent. I was not notified about the account prior to me initiating the call. I was not notified that a negative/ delinquent account status will be posted on my credit report. On XXXX at XXXX XXXX I called MRS BPO to have them remove the collection off my credit since I had a payment arrangement set and they stated that they are not able to, and stated that they would send me an email with proof of payment and also provided me a password to access proof of the payment arrangement notice. Also the customer service agent I spoke with stated repeatedly that I would have to wait 30 days from XXXX to have the debt reflected as being paid on my credit report. They did not provide me with certainty on their actions. On XXXX at XXXX I called to follow up on the said email with my proof of payment arrangement and I was placed on hold, and then told that their computer system is not able to generate a letter or email me proof that I am making payments on the account. Currently, My credit report shows a delinquency even though my checking account will be drafted every month the amount of {$92.00} by MRS BPO. I believe that I should be provided proof of payment on demand and also my credit report should not have reflected the negative balance. Also when I asked to speak to a manager, there was no one put on the phone to speak to me and go over detailed answers to my question about their credit reporting practice.

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 2017-01-10
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collection on my credit reports for PYOD XXXX. I have called them and sent them letters ( that were signed for ) over 10 times and I have never heard from them. I do not owe them anything and they will not respond for clarification. 

This needs to be removed immediately or I will have to take them to court and ask for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am very disappointed with how this case has been handled, I 've done what I can and very unfortunate this illegal case was a violation made against The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Colony Brands, Inc.
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Mislead into unrealistic payment/payback plans and high interest rate through XXXX XXXX XXXX also known as Navient. Also being constantly harassed by phone while being asked to meet unrealistic payments. Was even asked to take money out of 401k plan to make loan payments ... which I do n't even have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I AM REPRESENTATIVE PAYEE FOR XXXX XXXX VETERANS AND HAVE DEPOSITED THEIR CHECKS IN MY NAME AND THEIRS IN MY BUSINESS ACCOUNT FOR OVER 15 YEARS. TODAY BANK OF AMERICA REFUSED TO DEPOSIT THEM UNLESS I OPENED A SEPARATE ACCOUNT IN MY NAME AND THEIRS. I WILL CONTACT SOCIAL SECURITY ABOUT AUTOMATIC DEPOSIT IN A PERSONAL ACCOUNT, BUT THE MANAGER XXXX XXXX WOULD NOT SHOW ME THEIR RULES AS TO WHY I COULD NOT DEPOSIT THESE CHECKS. I CONTACTED MY SISTER, XXXX XXXX XXXX ( WHO IS A BANK MANAGER AND HAS BEEN FOR 30 YEARS ) AND SHE SUGGESTED I TELL THE BANK TO CASH THE CHECKS AND THE BANK DID, BUT IT CHARGED ME A FEE TO CASH BOTH OF THESE CHECKS. THIS IS TARGETING VETERANS TO OPEN ACCOUNTS THEY DO NOT NEED OR TO CHARGE THEM A FEE.

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 2016-04-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 'm having a problem with Navient private loan XXXX. I 've submitted XXXX XXXX application to have this loan discharge because I do n't have any income. To no avail they continue to decline my request. I had no problems getting my Federal loans XXXX but XXXXNavient private suggests that I become delinquent rather work out a plan. I 've recently ask if they could defer my payment for a year are so until I have XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: NC
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:
In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They set up a profile with my incorrect name and email and are refusing to fix the problem so I can get help with repayment options. I 've tried to get my payments reduced due to hardships and they never sent out correspondence paperwork I was needing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft with Citizens One personal loans in XXXX of XXXX ( two different loans ). I did all requested procedures including a Police Report and was told I wouldn't need to pay. I filed a FTC report in XXXX of XXXX to document the incident ( FTC report # XXXX ). My credit has been frozen since XX/XX/XXXX. The only way for an account to be opened up with my information is for me to unfreeze all XXXX credit bureaus. 
On XX/XX/XXXX I received the same letters from Citizens One saying they have not received my payments. One letter sent to my house, the other sent to my mothers ( I have not lived with my mom in 20 years ). 

The accounts are : loan # XXXX loan # XXXX I have made many attempts to contact Citizens One using the phone number sent on collection letter. I have never spoken to anyone but get put on hold. I have waited for over 30min before Citizens One hangs up the phone. I have also called the fraud line number that I received last year and the number is no longer in service.

My complaint is three fold : 1. These account have should have been closed last year and flagged by their fraud department.

2. Nobody should have been able to open an account in my name because my credit is both frozen and flagged as fraud.

3. I have been unable to contact anyone at Citizens One regarding this matter. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In [ Case number :  XXXX  ], Ba nk of American stated  in writing in  XXXX    XXXX   that I could request cancellation of my PMI at a  LTV ra tio of 80 % or below after  XXXX    XXXX  . I have contacted them to schedule my home appraisal for  XXXX    XXXX  , but Bank of America is now saying in their letter to me that  the LTV ratio i s now 75 % ratio instead of 80 %. I have called and written to the managers, but they want to hold on to the 75 %  LTV ratio, which contradicts their official written response in [ Case number :   XXXX  ]. See their response below : " ... .you  may request the cancellation of PMI when the LTV is at or below 80 percent of the original value of the property, or when the loan reaches the two year anniversar y in  XXXX  of   XXXX   ... '' Thanks.

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 2021-03-05
Company: MORGAN STANLEY & CO. LLC
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: Account information incorrect

Complaint:
Mortgage account with Morgan Stanley Home Loans was in forbearance. I sent a check in XXXX to pay off the deferred balance. The company still has not applied the payment I sent. This is preventing me from obtaining further credit and costing me thousands of dollars in additional interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX different occasions, mortgage payments in XXXX different amounts were attempted out of my bank account, not my husbands, whose name is on the mortgage. Bank of America, Mortgage Company, attempted to collect XXXX different times of {$770.00}, which is no the mortgage amount out of my checking account, and caused a surplus of overage and fees. Because the mortgage is in my husband 's name I could never speak with them directly, I had to wait for XXXX months before they would grant me access to speak with someone regarding our mortgage. I submitted a letter, scanning, mailing and faxed, regarding the amount charged to my checking account due to their unfair practice of submitting ACH transactions to my account. My account was abused so much, I had to have the bank to place a hold on account, which caused me to open another account to perform banking transaction out of.

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 2016-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get BANK OF AMERICA as Successor by merger To LaSalle Bank certificate holders of XXXXBack Certificates Series XXXX XXXX Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save family and myself, from becoming homeless. Bank of America created a fraudulent assignment from XXXX XXXX XXXX who filed for bankruptcy before the assignment was created. Bank of America and its attorneys have refused to offer me an affordable modification under HAMP. Bank of America has refuse to discharged the debt and is still moving to remove me and my family out of the property. The state court has ignored my pleas in Illinois circuit court case XXXX. The Illinois appellate court case number XXXX XXXX have not ruled. I have went as far to seek relief in the United States Bankruptcy XXXX XXXX of Illinois Case number XXXX Bank of America has fail to comply with the law. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Fidelity National Financial, Inc
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received a letter from Chicago Title Company, XXXX, NE, regarding a debt to some 'unnamed ' mortgage company. ( See attachment ). We 've asked CTC to provide specific data related to their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I called navient to set up a payment arrangement even tho I had put my loan in deferment, I wanted to still make some type of payement. I asked can I be set up on auto pay for XXXX dollars bi-weekly, which would have covered the interest I would accumulate. The representative told me, they do n't accept transactions under XXXX dollars per transaction.I received this loan while attending XXXX College which at the the was handled under XXXX XXXX and transferred over to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied online for the Citi Prestige credit card on XX/XX/2016 using a link on the Citi website that offered XXXX Thank You Points for spending {$3000.00} in the first 3 months after account opening. I was approved on XX/XX/2016. I was incentivized to apply because of the generous bonus offer and would not have applied otherwise. I spoke with a Citi Representative on XX/XX/2016 who confirmed my approval and the terms of the XXXX bonus offer. I have since satisfied the offer requirements, but have been awarded only XXXX Thank You Points. Citi now denies that there was ever a XXXX Thank You Points offer available on XX/XX/2016. This is a flat out lie. Although I can not provide evidence of the XXXX offer web page because Citi has since removed it, any XXXX search for such an offer will confirm that what I am asserting is true. In fact, the Citi XXXX point offer was available until XX/XX/2016. Citi engaged in bait and switch. It is unacceptable for Citi to continue to defraud its customers. I demand that I receive the points I am entitled to, the points that I was led by Citi to believe I would receive, and the points that incentivized me to acquire the card and complete the spending requirements to Citi 's benefit. I will not let this go.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
Hi, I recently got a Citi Thankyou Premier card a few months back. I realized after a couple of months of use that the Citi Doublecash would serve me better than points, and after speaking to a few friends that had done a conversion to this card, decided that this would be the best path to take. When I chatted into Citi, they said that this would be possible, but I would need to call. When I called, I was told that I was simply not eligible for a conversion, and they could not tell me why. Since I have other friends who have done a conversion from this card, I am a bit offended that Citi has chosen to make me not eligible for a conversion, and feel that this may be discriminatory based off of factors that Citi is not willing to reveal to me. If this is due to discrimination, it is illegal and is in violation of the CARD act of 2009.

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