BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-27
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
As stated before in several complaints against BMW Financial Services and again here, payments on my loan do not reflect a total of XXXX down as negotiated with selling dealer, BMW of XXXX XXXX. The sales manager, XXXX, was attempting to extort XXXX out of me as a total of XXXX was supposed to be put down. However, only XXXX was put down and XXXX wanted me to give him XXXX in cash for his pocket. His exact words were, " You 're putting down XXXX but it will only show XXXX ''. Complaints against dealer have been made with XXXX ( XXXX ), Attorney General of Connecticut, Consumer Affairs in Connecticut, all unresolved. An extension would have remedied the matter, however, BMW Financial Services will not make an exception and denied all requests. Ive attempted to reach a XXXX XXXX, left several voice messages, in regard to this. He does not return calls. It appears BMW Financial Services will not budge in any direction in regard to this matter. Please consider this matter unresolved and advise them this will not go away, they will need to do something about this or they WILL continue to receive complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My account was closed by PNC Bank .... My account experienced fraudlent activity.I told PNC .I was n't paying it ... So I am now in collections ... Through a third party collections agency.I am disputing the charge again.I am requesting PNC take back the debt and service the account an XXXX balance.Since it was fraudlent activity done on the account.They seem to have an I do n't care attitude.I am a XXXX who understand they are in violation of the Fair Debt Collection Act of XX/XX/XXXX and The Fair Debt Reporting Act of XX/XX/XXXX.If this serious matter is n't resolve with 30 days.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.I will also subpoena every phone call recorded and every note on my account.I will not tolerate being on XXXX and reported to the XXXX credit bureaus ... My account should never have been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016  at XXXX I entered my local PNC branch located at XXXX XXXX Florida XXXX.  I was there to make 3 separate transactions.  The first transaction was to deposit checks in the amount of XXXX into my business account.  The second transaction was to cash a check in the amount of XXXX  The third transaction was to exchange XXXX in small denominations for XXXX in XXXX.  The teller took the checks, and cash behind the window.  As I waited for my transactions the branch manager and I talked for a few minutes.  I saw the money machine dispense cash and the teller walked over and grabbed it, then walked over to me.  She gave me my deposit receipt that I have attached here, and she counted out XXXX XXXX bills in the amount of XXXX. She asked if I wanted a envelope and I said yes.  She gave me the envelope.   I walked out of the bank never receiving my last transaction which was XXXX in XXXX bills.  I went about my busy day and went home.  I counted my money when I got home and realized I was XXXX short.  It suddenly came to me that the teller never completed my third transaction, and I was never handed the XXXX.  By then it was too late to call the bank.  I waited until the next day, XX/XX/2016, and as soon as the bank opened I walked in and asked to speak to a manager. No one was available.  I explained to the employee what took place.  I was told I would be contacted.  I was contacted later that day by the branch manager and was told I would be contacted Monday, XXXX.  I was never called. I called the bank at XXXX and was told that the branch will have a security man look at the video the following day which was XXXX.  I received a call from the bank on XXXX.  I was told that the tellers till was accurate and that no action will be taken regarding my missing money.  I drove to the bank to speak to the manager.  She has a brief meeting with another teller before I was asked to enter the office.  I was told that no action would be taken on my behalf.  I asked about the video and the manager and her assistant told me that the video showed the teller counting out XXXX XXXX bills.  I asked to see the video, and I asked for some documentation stating that a professional reviewed the video and that I was handed XXXX.  I was told that they could not help me.  I contacted PNC cooperate office and was told that I have to wait several business days prior to any information pertaining to this matter.  I was never given the XXXX that the teller took behind the counter to exchange for larger bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ever since my mortgage was transfered to Ocwen always had problem with this company. the latest is about last week XXXX/XXXX/2015 I send this company XXXX payments of {$5000.00} dollars and another payment of {$530.00} via electronic transfer to be applied towards my Principal balance. Before I make transfer I called the company and instructed them to apply all this payment towards principal and they should continue to take my monthly mortgage according to automated Periodic payment I have set up few years ago. They assured me that they do just that. As I was tracking my payment, I noticed that they have not applied all the payment and they have taken XXXX payment of {$530.00} for months of XXXX and XXXX despite them assuring me that all payments will be applied towards principal. Since I discovered this, I have call them on XXXX separate times and every time they can not confirm definitely the will do just that. I have never been late in my monthly mortgage payment ever and I do n't accept this behavior and mismanagement with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CHEX Systems has not deleted the fraudulent XXXX credit card application and has not deleted the fraudulent address used for that which is XXXX, XXXX, CA XXXX. It is still on my file, NOT DONE. Letter from them was from the Consumer Relations dept which knows nothing about it, and said it was done, and gave me a phone number only for Consumer Relations., and on the next page all the fraudulent activity was still listed. Delete XXXX and delete this XXXX address and send me a clean copy by mail.

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 2016-08-18
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was alerted by my credit monitoring that Credit Management LP placed a collection on my account on XXXX/XXXX/2016. I immediately called my credit monitoring personnel and they directed me to Credit Management LP. I spoke with XXXX from the company on XXXX/XXXX/2016. I did not get her last name. I asked XXXX what the collection was for and informed her that I had not been notified of the alleged delinquency. She explained that if I paid the balance which was {$140.00} that it would be removed from my credit. I asked XXXX several times would the collection be removed from my account and she assured me it would. I explained to XXXX that I did not want the account to just say paid ; I explained that I wanted to make sure the account was removed from my credit report. She reassured me that the account would be removed and I could go to the company website on XXXX/XXXX/2016 to print off the letter stating the account would be reported and removed. I asked XXXX again if the account would be removed and if the letter would state such. XXXX assured me it would be removed. I went to your website on XXXX/XXXX/2016 and printed off the letter. The letter states the account has been satisfied, nowhere does it say it will be removed from my credit report. The letter states " ... if we reported your account to the credit bureaus, they will be notified to update their records, accordingly ''. I called Credit Management LP on XXXX/XXXX/2016 and spoke with XXXX XXXX. I explained to XXXX XXXX what my previous conversation with XXXX entailed. XXXX XXXX could not assure me that the account would be removed from my credit report. He stated that it would be removed, he just could not tell me when. I asked him what that meant. I informed him that I did not want this to linger on for months and he stated it would be removed he just ca n't say when. I asked to speak with a supervisor. He transferred me to XXXX XXXX. She identified herself as the floor manager. I am not for certain if XXXX is her name ; when she initially greeted me I was under the impression her name was XXXX. I challenged her about this and she told me that I got her name wrong. I informed her about each conversation I had with her employees. She informed me that they do not remove items from my credit report ; they simply report it to the bureaus. I expressed my disdain for the situation and explained that her employee assured me that the collection would be removed. She then stated that I could write a letter requesting it be removed. Her company would go over the recorded conversation and if her employee promised my account would be removed, then they will honor it and have it removed.

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 2017-03-28
Company: Navient Solutions, LLC.
State: SC
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 am a single mother and they wanted me to pay XXXX dollars a month and I 'm not able to pay it and they is not will work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ACS Education Services
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:
My lender will not provide a monthly bill. I am ahead on my payments, therefore my account is in a prepaid status, therefore ACS does n't send out bills while interest accrues on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with 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 2015-11-12
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
There was a recall on this car and the car is return back to the company.XXXX XXXX XXXX ; Manufacturer imageVehicles Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX engineThe Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in XXXX ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX XXXX Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue. 

The Fix : Dealers will install upgraded engine-cover retainers in the vehicles

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: The J. G. Wentworth Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On the day before we locked in a mortgage rate I was sent a list of rates and applicable charges/credits. On that day the rate that we preferred was 4.125 % with a 0.25 % XXXX {$530.00} XXXX credit back to us. This was also the one recommended by the mortgage company. Due to the closing date we had to wait an additional day to request the 30-day lock. The following morning I contacted the person at the mortgage company I had been working with and told him we would go with the 4.125 % rate. The paperwork I received the following day showed a {$530.00} CHARGE rather than a credit. When I challenged this I was told, " I thought you knew that interest rates went up and that 's why it 's now a charge. '' Even if I knew that interest rates had gone up, how could I be expected to know how it would affect the points on the loan? And it should have been explicitly disclosed to me rather than my having to notice that a credit had turned into a charge. I believe this was done intentionally with the hope that I would not notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Rewards

Complaint:
Sears credit card ( administered by Citibank XXXX ran a promotion promising 10 % back on purchases totaling up to {$800.00} per month at gas stations, grocery stores, and restaurants from XXXX through XXXX 2016. ( Email and letter describing terms will be attached. ) These credits have never been processed properly, despite my contacting customer service four separate times. My purchases in the relevant categories totaled {$630.00} in XXXX, {$540.00} in XXXX, and {$780.00} in XXXX, so I ought to have earned {$190.00}. At one point, I did get credited {$58.00} ( a number that corresponds to nothing so far as I can see ), but I 'm still short {$130.00}. ( Relevant statements will also be attached. ) Processing this promotion requires nothing more than simple arithmetic, but customer service just keeps saying -- four times, now -- that the problem will certainly be resolved by some certain date, at which point nothing happens, I call again, and they offer some other date. Last time, customer service tried to tell me I was complaining prematurely because two statement periods had n't yet passed ( they had ) and the problem was n't yet 8 weeks old ( it was in fact 9 weeks old ). Indeed, the people working for customer service seem wholly unfamiliar with the promotions their employer has offered, and continually misunderstand what account entries mean. For instance, Sears ran a similar promotion for XXXX and XXXX, and customer service never seems to grasp that credits for that promotion have nothing to do with my current complaint.

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an CitiGold account with Citi Bank on XXXX/XXXX/2016 with the offer to receive XXXX bonus Thankyou Points after meeting the requirement of making 1 qualifying bill payment from the checking account each month for two consecutive calendar months. I called Citi Bank on XXXX/XXXX/2016 to confirm that i was enrolled in the promotion, the representative confirmed that i am enrolled and will receive the promotional bonus. My call to Citi Bank on XXXX to confirm the promotion is listed on their account notes. I have met all the requirements and Citi Bank has not posted the promotional points. The points were supposed to be posted with in 90 days and now it 's well over 90 days. Please help me resolve this issue and have Citi Bank post the XXXX bonus Thankyou points to my account. Thank you.

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 2017-02-20
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Gulf Coast Collection Bureau ( XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ) to receive information about a collection amount reported on my credit report that I do not recognize and that is said to be related to attorney fees. After giving the information I found on my credit report to the representative, she could not locate any account or data linked to account # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX, of XXXX XXXX XXXX, XXXX, Indiana XXXX was charged an additional year 's mortgage payments for his home. The home was purchased in XXXX with a XXXX mortgage and should have been paid in full in XXXX. This did not happened, he was charged for an additional XXXX for this error that was made. In XXXX XXXX he owed XXXX, a check was sent for XXXX which is the regular scheduled payment. They refused to apply the check to the final mortgage payment and stataed the money was applied to interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My husband passed away on XX/XX/2016. I reported his death to Citi Dividend card by e-mail and attached his death certificate to that e-mail. We have been using this card for more than 5 years and never missed a payment. Without even replying to my e-mail they closed the account and cancelled my card also. I found that when my payment to my utility company was declined. There was a balance of {$250.00} on the card and they sent that to collections department. I made the payment for the balance immediately and asked them about the dividend dollars of {$170.00} that we accumulated for over many years. After talking to number of people and wasting number of hours I was told that the check can not be issued. I told them to issue the check in my husband 's name. They said they ca n't do that because the account was 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 monetary relief
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/15 I authorized Macys ( Department Stores National Bank ) to pay my account from my checking account on XXXX/XXXX/15. A letter from was sent to me confirming that this was authorized and would be done. It turns out that the Department Stores National Bank has been updating its system ( did not advise the customers ) and never processed my payment. They accused me of not paying my bill and assessed a late fee against my account. They refuse to reverse the charge even after I provided them with the confirmation # received at time of my processing and letter from them acknowledging I scheduled a payment.

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