BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I WAS APPROVED FOR A PERSONAL INSTALLMENT LOAN BY MARINER FINANCE OVER THE INTERNET. THEY THEN SENT ME THE LOAN DOCUMENTS WHICH I SIGNED VIA THE INTERNET. THEN THEY SENT ME A REQUEST FOR VERIFICATION OF SEVERAL ITEMS WHICH I FIND STRANGE AS I HAD ALREADY SIGNED THE LOAN DOCUMENTS. MY ANSWERS WERE CONFIDENTIAL SUCH AS SOCIAL SECURITY NUMBER, BANK ACCOUNT NUMBER, PROOF OF INCOME AND PERSONAL ITEMS. THEIR ADVERTISING STATED FUNDING WITHIN ONE DAY BUT I DID NOT HEAR BACK FROM THEM. OVER THE NEXT 4 DAYS I HAVE LEFT 4 VOICE MAIL MESSAGES FOR THE LOAN DEPARTMENT, 2 MESSAGES AT THEIR CORPORATE CUSTOMER SERVICE, XXXX MESSAGE AT A LOCAL BRANCH AND AN EMAIL TO THEIR CUSTOMER CUSTOMER SERVICE. I HAVE NOT RECEIVED A RESPONSE FROM ANY OF THESE EFFORTS AND I AM VERY UPSET. I AM ALSO CONCERNED WITH WHAT THEY WILL DO WITH MY CONFIDENTIAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
Citibank has refused my timely request to opt out of the company 's new arbitration provision. Citibank lied about the date of my request. Certified Mail tracking proves that it was not only postmarked, but even received, before the postmark deadline. I believe that Citibank is expecting customers not to notice or question the imposition of arbitration. 

By way of background, I have been a Citibank credit card customer for 21 years, have never missed a payment, and have always maintained a high credit score. My account is in good standing and no disputes are pending. 

Facts, in chronological order : XXXX XXXX, 2015 : Citibank announces the proposed arbitration provision and the opt-out process. " You can reject the change to arbitration by writing to us ... Your letter must be postmarked on or before XXXX/XXXX/2015. We will not close your account ... '' Letter attached. 

XXXX XXXX, 2015 : I mail my opt-out request, XXXX XXXX, Certified, postage-paid. Letter and postmarked Certified Mail receipt attached. 

XXXX XXXX, 2015 : Citibank receives my letter, before even the postmark deadline. United States Postal Service tracking results attached. 

XXXX XXXX, 2015 : Citibank refuses my arbitration opt-out request. Citibank falsely claims that " you did n't mail your preference to opt out by the deadline we established. '' Letter attached. 

XXXX XXXX, 2015 : I file the present complaint with the Consumer Financial Protection Bureau and mail copies of the complaint and of the documents mentioned above to Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, 2021 - My mortgage payment ( {$2600.00} ) was submitted to XXXX XXXX 3 XXXX, 2021 - My mortgage payment posts XXXX XXXX, 2021 - Specialized Loan Servicing ( SLS ) purchases my loan from XXXX XXXX XXXX XXXX, 2021 - I contact SLS to arrange payment for XXXX XXXX. SLS representative tells me my mortgage will be 30 days delinquent XXXX XXXX, and I will be reported. I explain there is a mistake and attempt to make payment, the representative hung up on me. I called again, was able to make payment. SLS maintained I was delinquent. 
XXXX XXXX, 2021 - My wife and I call multiple times and are hung up on, and given incorrect, conflicting statements from SLS. SLS does not acknowledge the XXXX payment was made. We provided a copy of my bank statement showing payment was made. They do not acknowledge the error. 
XXXX XXXX, 2021 - I notify SLS by certified mail of the error. 
XXXX XXXX, 2021 - XXXX receive a letter from SLS indicating I would need to mail a different office. 

I have attempted countless times to notify SLS of the error in my account. I have requested a corrected loan history showing correct application of payments and calculation of interest. I have received no acknowledgement or commitment to correct the situation.

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 2021-10-16
Company: CITIBANK, N.A.
State: NY
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:
I had citi credit cards means citi bank, it was belong to my ex wife, who was grantor and account has been closed but citi bank kept information on my name. Even they are showing account has been closed by grantor and why they are using my name on the citi bank statement. XXXX XXXX was grantor, and she has closed the credit card. I want credit card companies and citi bank credit cards to remove my name from credit.

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 2021-10-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank stated that I allegedly owed a debt.

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 2021-10-15
Company: Afterpay US Services, LLC
State: TX
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:
I've been having an account with afterpay to 2+ years and this is the 2nd tine they dropped my limit and changed my status for no reason. I returned an item to XXXX XXXX on XX/XX/2021. I called and advised Afterpay. It took a while for XXXX XXXX to receive the returned so I called and asked did I need to pay to prevent changes on my account I talked to a XXXX and she said that i had 10 days before there would be any changes. The next day my credit limit changed and my status went from Mint to gold. They also received the refund from the company. I called to advise them of this and they said that they would fix the mistake in 24-48 hours. It has been since XX/XX/2021 and the correct has not been made even though they confirmed that I have never been late on my account., and that they would fix it. I followed up yesterday and they acting as if nothing is wrong with my account. Like their was never an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Violated the Truth in Lending Act when the transaction included a finance charge and finance charges that included additional insurance ; willfully and knowingly failed to provide/disclose information required under provision of Title 15 USC section 1601 ; Violated 15 USC 1681 ( a ) ( 4 ) - by unauthorizing reporting consumer information to several consumer credit reporting agencies ; Never authorized any reporting of consumer information to any consumer credit reporting agency 15 USC 1681 ( a ) ( 2 ) The contract included a statement written in a conspicuous place : " UCC 3-415 '', the terms of the contract were clear according to UCC section 3-415 ( b ). The seller acceptance and deposit of this contract/security meant the alleged debt was full satisfied, yet they continue to collect on the alleged debt, that included repossession of the vehicle.

Sent several written communication that stated that they were attempting to collect a debt in violation of 15 USC 1692 Refused to release the MCO Title upon Consumer Demand

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
One main financial pulled my credit report I dont know why I did not verify this. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm victim of Identity theft. This account was opened fraudulent. I've disputed this account with XXXX and CCS Collections. They will not move this account. I ask that they provide information that was provided to opened this account... including my social security number. I feel that I'm getting the run around with disputing this account. This account doesn't belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On, XX/XX/XXXX, I mailed XXXX, XXXX, and Experian a letter stating that the names, address, and place of employment showing on my credit file are not those of mine. They sent letters back stating that the FCRA states i am obligated to provide them proof of my social security card and Driver license to prove the information does n't belong to. I have sent this on several occasions including with the most recent letter on XX/XX/XXXX demanding the remove inaccurate address, and names and employers as they are making me susceptible to Identify theft.

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 2021-10-17
Company: CURO Intermediate Holdings
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The demo was {$300.00} submitted through speedy cash.com in XX/XX/XXXX. The amount owed is {$630.00} which is the wrong amount. This has been on my credit report for longer than 10 years and I want it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i bought giftcards off a company buy the name off XXXX  and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not XXXX to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed

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 2017-08-14
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I reported an error committed to my account by western union on XXXX XXXX, 2017. I have reported this to Georgia Department of Bank and Finance as well as the Federal Protection Department. They suggested I report to your department as well. It has been 8 days with no response from your company except for refunding my account XXXX. I have called and I have emailed with no response from your company I need help, I started a money transfer with western union. How ever I received an error message. That said it was not completed and to try again later. So I did try again later and it went thru. Western union how ever sent the money out of my account 2 times causing my account to go negative. I have been told by 8 different people that I am not going to get my money back because the bill payer is not releasing the funds. However Western union is responsible for their system sending it in the first place. Case number XXXX in the amount of {$200.00} please read the email below. I am getting the run around and I do n't have funds to cover all the cost. One supervisor told me that yes it was an error of western union and regardless of bill payer not releasing the funds that I would get my money back in my account before XXXX XXXX, 2017. They are giving me a run around that I am responsible for the transaction that their system gave error message. I have contacted western union 11 times and no one has told me a thing. XXXX XXXX, 2017 the money is not at XXXX XXXX either. XXXX has not received the money and neither have I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Trans union has consistently lowered my score in large increments. I called to find out why, and all they would tell me is all the reasons they might lower scores, but not why they lowered mine.

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 2021-10-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collections agency was well aware it was paid, was told by me, the local doctors office, and the main branch of the hospital, but still reported it on my credit and costed me two loans that were gon na save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Affirm Holdings, Inc
State: VA
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:
I got a computer through affirm. However they reported the computer loan through XXXX  XXXX XXXX  and it was deferred. It has been reported late for months when it isnt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Oxford Law, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receiving calls from Oxford Law LLC making a claim that I have a debt of over {$29.00} from a line of credit I opened in XXXX with XXXX Bank. That is over 21 years ago, I remember no such account. In XXXX when this debt was supposedly incurred, I was living in XXXX. In XXXX I moved to XXXX and lived there for 10 years. In XXXX or XXXX I filed for bankruptcy in XXXX Court in XXXX and had my debts resolved. According to Oxford Law, they have been trying to contact me but have been unable to do so for years. Even though I have moved a XXXX of times, I have ALWAYS left forwarding addresses and have had no trouble being contacted by any other businesses. Oxford Law even called my exwife hasselling her to find where I live and how to get ahold of me. I was initially contacted in XXXX by XXXX XXXX XXXX a law clerk at Oxford Law who said she needed to verify my personal information, etc. She did not give an address to reply to or would not state specifically what the debt was for. I did not hear anything more for 2 or 3 weeks. Starting on XXXX/XXXX/XXXX a man called and wanted to verify my information. He did not identify himself, or state who he was working for and kept wanting me to make plans to start paying on the debt or a suit would be filed against me. I told him that I needed information from him such as name and address, company he works for, what his position is and told him that I have the right to question and demand verification of the debt. He said he would email me that information. That was XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I have received nothing email or otherwise. Tonight, on my phone I noticed he had called again but left no message. I attempted to call him back at XXXX and was sent to the company mail box and told to leave a message. When I tried to do so. I was cut off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Suburban Credit Corporation
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I visited the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Virginia in XX/XX/XXXX for a quick medical check, after waiting for 5+ hours at the emergency I could finally see a doctor and was only told that I " needed to see a specialist '' and left. The hospital later billed me about {$500.00} ( ca n't precisely remember the amount $ ). As I was a XXXX overseas at the time, I submitted a financial aid to the hospital but never heard any response from the Emergency until after I came back to the US the following year in XXXX and called them to pay my bill not knowing that they had already approved my financial aid request. I was told over the phone by an agent from their billing department that owed nothing! Now, after more than 2 years I 'm getting this bill from a debit collector " Suburban Credit Corporation '' claiming that I owe them {$420.00}. I keep contacting the hospital about this and they 're saying they ca n't find any track or record of me being owe to the hospital and the debt collector already has my full name, Address and the last 4 digits of my SSN pus the date I visited the hospital. This bill has already affected my credit and unfortunately I 'm not in a great shape financially to afford a lawyer or paying this foggy bill at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received multiple mailers and emails and messages in my established Capital One account saying I was eligible and qualified for a {$200.00} cash back bonus if I applied for their savor XXXX card. I made my decision to get the card based on this because money has not been very good the last few years and I figured I would increase my credit limit and also get some actual money back. It definitely advertised I would get the {$200.00} and I was given no warning it did not apply to me when they approved me for the card and no chance to decline the offer based on this. I needed to spend {$500.00} within the first three months of having the card and I did so. After 3 months went by and I did not receive the {$200.00} I had to call an email multiple times and finally I received an answer saying it was not included in my agreement and I agreed to it. I think it's really difficult to sift through all the fine print and notice something missing or something stating you're not getting something for the average credit card user who is not a lawyer. I think this is a bait and switch tactic and when I got on the call with the rewards center the guy told me he gets a lot of calls about this and so I said don't you guys think it's an issue if a lot of card holders are saying the same thing? And he agreed with me and he said he would forward the transcript but still I did not receive the cash back. No way to escalate it beyond them and no way to speak to a manager because of their arbitrary rules designed to make it difficult to hold them accountable for their false advertising. It just really seems like a bait and switch and false advertising. It said I was getting the bonus It seemed very clear I was getting it and then they did not warn me I would not be getting it and give me an opportunity to decline the offer. I think there should be some way too hold them accountable as right now I feel like there's not much else I am able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions Inc.
State: VA
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:
I have requested multiple times for multiple entries on all three reporting agencies to be corrected. Not only have they not, but they now refuse to allow me access to my own files. 

I sent all three a letter through the USPS with copies of my passport ; license and passport card. They still refuse. 

Please require all three of them to immediately send me paper reports, and do whatever has to be done to allow me online access. This was in my written request, which they have ignored,

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