BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-17
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I have a XXXX mortgage with XXXX and a Home Equity Loan with Citibank. 
XXXX is in the process of refinancing my mortgage ( on a Cash Out basis ) and was informed by Citibank that Citibank changed its policy in XXXX 2015 and will no longer process subordination requests for cash out mortgage re-financing. This is surprising as it changes the terms of my Home Equity Loan unilaterally on Citibank 's part. Citibank was adamant that they can do as they please and they refused to accommodate any request for flexibility.

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 2016-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
Macy 's Credit allowed a hacker to make purchases on my account including an electronic gift card for {$100.00}. I phoned in the details on XXXX/XXXX/2016 and followed it up with a fax of their fraud form on XXXX. Called it in on XXXX and they could not help me, instead they said they would call me back in 20 minutes. One day later and have n't heard back. It 's been 4 months since the incident and I have not found a resolution to the fraud they allowed to occur. Their system allowed a hacker to send an instant gift card to anyone without allowing the actual owner of the account the ability to cancel it. Meanwhile I 'm being charged 25 % interest while they take their time fixing 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 monetary relief
Consumer complaint received 2016-05-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
The debt obligation originated with Citibank in XX/XX/XXXX. The terms changed in XX/XX/XXXX and we were unable to reach an amicable resolution for repayment. Since XX/XX/XXXX, I have paid extremely high interest rates due to this XXXX unpaid debt. This obligation has far exceeded the 7 year penalty and should be removed along with all of the other debt collection agencies that have attempted to benefit from this unpaid obligation. However, they keep reappearing and reporting to collect the same debt under different names. This is not only unfair to the consumer but a gross violation if the original debt was over 7 years ago.

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 2017-01-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They called my cell phone XXXX XX/XX/2016, looking for someone else. I pay per minute. I had to call them back, muddle through a computerized recording, and ask them to stop calling because it is a work phone. They promised to stop calling but did not. I received another call XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
Annual Detail Reports not available from Citi Bank Costco Visa for 2015. Citi Bank Visa will not provide complete data from the XXXX XXXX transfer for 2015. I have placed requests for a XXXX ( XXXX ) report for 2015 on numerous occasions and have yet to get an answer. They said they would have a supervisor call me back within 3 days, it is day 6 and never received a call. I called back and was on the phone for 50 minutes and was advised that once again, I would get a call from a supervisor in 3 days. No call as of yet. They are withholding vital information form their customers. I called XXXX XXXX and they advised me Citi Bank has all the information I need.

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 2016-09-13
Company: CITIBANK, N.A.
State: WV
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a collection charge on my credit report that is not mine. I have not had any type of auto loan since prior to 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 non-monetary relief
Consumer complaint received 2020-01-20
Company: PMAB,LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was for XXXX added to credit report. Original debtor was XXXX XXXX Hospital in XXXX or XXXX, nm. I did not live in XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX so debt can not be mine. Even if i was at yhe hospital I have XXXX to pay the medical bills since XXXX. So the debt is false and not mine. Needs to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I finally learned through the media I could apply  for IBR  when for 8 years I was put into forbearance when my payments were too much with  XXXX   XXXX  /Navien  t.  Per Navient site, my payments will go up to {$350.00} per month ( also had a federal loan previously serviced through them that I transferred back to federal so I can be PSLF eligible. ) They never can tell me, nor can I locate on site, exactly how much I 've paid into my loan since I started repayment in early   XX/XX/XXXX . I am  supposed to be enrolled i n IBR n ow with automatic payments from my bank account. For a year the site has said  one  thing while a different amount is extracted but there is no record of it that I can find on the site. I am so confused. When I graduated in  XX/XX/XXXX  with a  XXXX   XXXX  degree in   XXXX   XXXX   , I h ad under   XXXX   XXXX   in student loans. Now, 10 years later, if I were to pay off all of my loans today I 'd have to write a check for about   XXXX   XXXX   even though for several years I was paying way more than I could afford ( {$800.00} per month ) which drove me into credit card debt. At no point until last year did anyone refer me to  IBR o ptions. By my rough calculations, I 've paid around {$75000.00} towards my loans in the last 9 years. How do I still owe more than what I started with?! Please help! I am almost  XXXX   years old, single, no close relatives, and I live paycheck to paycheck b/c   of student loans. I will never be able to buy a house. The earliest pay off estimate for me is age  XXXX  in  XX/XX/XXXX . I ca n't even save for    retirement r ight now. These loans have ruined my life. I 've essentially paid of more than my original balance so how do I still owe over $ 10 0k.  The repayment calculators ive used say I will have paid around   XXXX   XXXX   for my student loans -- over 5x what the original amount was. How is that possible? This is so morally wrong! Please help me. I do n't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient /   XXXX   XXXX  . Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: CITIBANK, N.A.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This complaint is against Citi Student Loans : I had a loan with the company from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I recently requested a complete break down of my charges because I wanted to make sure I was n't overcharged. I got some of the documentation I requested and immediately determined that the XXXX time interest was capitalized on my loan XXXX/XXXX/XXXX that I was overcharged by {$37.00}. So I called the company to point this out to them and the representatives told me I had to submit in writing how much I thought I was overcharged by and they would look in to it. I explained I had only looked and the very XXXX time interest was capitalized and stopped there because if I was overcharged at that point then everything going forward would have been overcharged. I was again told I need to submit a figure I thought I was overcharged. So I asked if I was being told I had to take the time to calculate the figures for the entire loan including every single payment made over the 5 years I was making payments and I was told that was correct. I told the representative that I 'm pointing out the mistake in the beginning and based on that the company should look over my entire loan, and to ask me to do it and if I do n't that nothing will be done was not acceptable. This treatment seems to be illegal or at least unfavorable to the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a  Capital One credit card and was approved. I called to activate it and they said there is fraudulent activity on the card . I just received it in the mail on  XXXX / XXXX /  XXXX   and they are telling me this on  XXXX / XXXX /  XXXX  . I asked them about what was going on and they would n't explain why. They said to go forward they need a copy of my drivers license, my social security number and proof of address. I do n't feel comfortable having a copy of my drivers license put on file with my social security number. Their data base could be breached and that would set me up for identity theft. The information that i provided them with should be sufficient enough. I only ask that they explain to me why i have to go through the extra steps. Why is not everyone required to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My payment was due on   XXXX   XXXX   XXXX    . On   XXXX   XXXX  , I made my payment. After making my payment, they tried to withdraw the payment from my checking account which caused a {$35.00} overdraft fee. The lady I spoke with admitted she made a mistake.  Again o n   XXXX   XXXX   XXXX    , they attempted to withdraw the payment again causing another overdraft fee. I called the store who referred me to the district   manager. I have tried several times to reach the district manager with no success. I notified the store of this to which they gave me the number of the regional manager. The regional manager does not answer her phone either.
Also when you apply for the loan, they tell you your payment is monthly only l  ater to be billed bi-weekly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account is listed on my Transunion Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Transunion has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX   I have contact Transunion multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge  that this case was Settled on   XXXX   XXXX   XXXX   A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Harris and Harris called my home. They spoke to me ( XXXX ) asking if XXXX was home. I inquired as to which XXXX they were calling about my son or husband. I gave them my husband 's date of birth for clarification, and they confirmed it was for my husband. They told me the details and the service was from XXXX XXXX. I said wait a minute, I just called Harris and Harris and they said we had no bills there in my name or my husbands. She ( XXXX XXXX ) said oh that is right you called and we told you we could not speak to you, since the bill is your son 's. I said wait a minute your calling about my son who has a different birthday then my husband, when I verified the date of birth by giving you my husbands, you said it was my husband you were calling about, when clearly if you looked at the record you would have seen it was not my husband who has a date of birth of XXXX/XXXX/XXXX, but you were calling about my son, who has a date of birth of XXXX/XXXX/XXXX. A clear distinction. Then you tell me the bill is from XXXX, I upon inquiring about that you than said oh it is from XXXX. At this time I informed you not only did you violate XXXX, but you also got dates wrong. I asked to speak with a supervisor/manager and XXXX XXXX who identified herself as a supervisor came on the line. I informed her the representative violated XXXX, I even tried to confirm she was speaking to the correct party and the representative, was not correct and told me she was when actually she was calling about my son. I informed her I would be filing a complaint and she said that was fine. They do record the calls. It was approximately between XXXX when the phone conversation took place. The supervisor told me they were going to pull the call for coaching purposes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: U.S. BANCORP
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have recently went to work for the XXXX and was asked to have HR apply for a travel card for me for overnight travel. Once HR applied, it came back rejected because it showed my SSN with an outstanding Gov. CC already for {$450.00}. I had to contact US bank who is the governments CC issuing company and could not get a straight answer from anyone at all. First, I was told it was a prior Government CC, then it was n't, then they kept asking me for my CC number and I kept telling them I never had this CC and do not have a number. I spent over 12 hours and several lost man hours on this issue. After speaking with 4 different supervisors and Mgrs including Fraud supervisors, I was finally told that this account was actually a corporate account and although it was issued with my SSN back in XX/XX/XXXX and was closed out in XX/XX/XXXX after company ( XXXX ) failed to make remaining balance on card paid down to 0 balance. Fraud explained account was too old to trace back, but yet no one was willing or able to explain how this balance shows on my SSN. It has never been reported on my credit report and they say it 's because its a corporate CC but wer not willing to write off or delete this past due or prior debt which was never mine in the 1st place. I was in the XXXX back then and have never had a CC with or for XXXX time I called, I was given a new XXXX number to speak to a supervisor or someone who could assist me, not to mention I had to start from scratch each time I made a new call or had a new supervisor on the phone. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and another XXXX at these numbers : XXXX/ XXXX/ XXXX/ XXXX. My government coordinator has tried to assist me as well and same answer was given to her. This was never my account and not to mention its XXXX and was closed out in XX/XX/XXXX, It is keeping me from obtaining a Government CC because US bank is who the Government uses for all of our CC 's. I really need this issue resolved and removed from my SSN so I can obtain a new CC for my work travels. 
Thank you 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 non-monetary relief
Consumer complaint received 2017-05-09
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I ha ve   XXXX   l oans with Fedloan Servicing, they are reporting late on my credit report for  XX/XX/XXXX  and  XX/XX/XXXX , they finally put them in forebearance in  XXXX   XXXX ! I was in an in school deferment and that ended in  XX/XX/XXXX , i did not receive a Notice of Deliquency in the mail or by email that my loans were back in repayment in  XX/XX/XXXX ! I tried to explain to Fedloan Servicing Reps that I believed that my payments were already in forebearance automatically for 6 months after school is out, as I am still a student and I have not graduated! On top of that, I never received a late notice, I received a call on the 89th day and the Rep said that they would do a complementary forebearance to cover my period of delinquincey while I waited to receive my forebearance information and send it in, after i finally receieved the forebearabce information I was reported 120 days late which i just found out about this year when checking my credit report! I have never been late since  XX/XX/XXXX , and due to mis communication and lack of me receiving notices, fedloan will not remove delinquencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  signed reaffirmation agreement for mortgage ...  Wells Fargo.     XXXX  called  Wells Fargo  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  34 .    XXXX  asked  Equifax  to investigate and sent them proof of payments and BK information.

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 2016-04-18
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an account at this bank and my friend deposited money into my account to help me out because I am on XXXX, he deposited {$5000.00} into my account for me give it to someone else for him, but when I went to withdraw the money I was asked where did you get {$5000.00} from, but I did not respond to her because it was not her business and I should not have been asked the question, the money that was left in the account was from my XXXX benefits and the money my friend gave me which was {$700.00} and since they put a hold on my account my bills for this month was not paid and when I asked for my money I was told it was not mine and she actually called me a thief, she said I stole the money from someone and it was not mine the money belongs to the person I took it from but she could not tell me who I took the money from, so now I am asking for your help in how to get my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
According to the collection agency that this account was turned over to XXXX XXXX ) I received a letter that stated that this account would be removed from my credit report but it is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: General Motors Financial Company, Inc.
State: SC
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:
On  XXXX   XXXX ,    2017 I submitted  a dispute to  XXXX  regarding GM financial on my credit report. I asked for all the information regarding the account be verified. On  XXXX   XXXX ,    2017 t he investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX    dispute regarding this account. I have also supplied you with the latest information reporting from  XXXX  so that you may compare the inaccuracies.

Company response to consumer: Closed with non-monetary relief