BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I recently filed a complaint about how Navient erroneously put my account delinquent by 3 months, even though my payments were up to date. Since my first complaint was filed, Navient has rectified that issue, and immediately caused another one, that I am fighting to get corrected. Once Navient took the delinquency off my account, they increased my total balance due by about {$50.00} more than what it was after I made my last payment. A couple days have gone by, and they are showing that I now owe {$65.00} dollars more than I did a month ago. I have no late fees or anything like that on my account, yet the interest just keeps racking up every day. I have NEVER had this happen to my account, and Navient is now claiming that every day I am getting charged more and more interest and it does not make any sense. I am now caught in the middle of yet another one of their many schemes. How I am ever supposed to get my loan paid off if they keep tacking on {$65.00} every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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: Account information incorrect

Complaint:
Called   XXXX   for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    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 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello - I paid off a vehicle loan in XX/XX/2020 with Capital One Auto Finance and to date, haven't yet received the vehicle title. 
The Pennsylvania Department of Transportation is stating that they need to receive an electronic lien release request from Capital One which they're saying they've not received, meanwhile Capital One is stating they've placed this request twice. 
Capital One did send me a physical notarized lien release in the mail. PennDOT said they're uninterested in that document as the request must be electronic. 
This week, I called Capital One Auto Finance twice asking for a manager to help me resolve this, each time I was placed on hold and hung up on. 
I've also placed a complaint for them with the XXXX, hoping that would get someone's attention. I've gotten no response from that either. 
I've been stuck in a loop for months and feel that I'm out of options for receiving help. 

I've attached email communication that has taken place with PennDOT. 

It has not been an option to reach anyone at Capital One by email and it has not been an option to reach anyone at PennDOT by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am a long time customer of Capital One ... On XX/XX/XXXX th 2020 I purchased 4 airline tickets that were all declined ... 
ok I understand that and so I called Cap One customer service only to be told my accounts all three are frozen and I would need to submit a state drivers license or State ID card ... I explained I am a dual resident of California and XXXX and use my USA passport for ID as I do not need a state DL or State ID ... and I was out of the country until at least XXXX ... they /he the fraud manager said I would Need to fly back to the United States and obtain one of those two IDs and then they would unlock my account once I have that. 
I believe Cap One is breaking the law by not accepting a US passport as valid ID ... they did not want contact their legal dept and I finally gave up in frustration ... the managers name was XXXX and his employee ID is XXXX XXXX ... 
I know this is indirectly related to the Cap One data breach ... best regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX an online fraudulent transaction/purchase was made on my Macy 's American Express card. I reported the incident to Macy 's after it was discovered, on XXXX. A police report was originally filed on XXXX to the XXXX ( Report number XXXX. ) A Statement of Fraud was faxed to Macy 's originally on XXXX, again on XXXX and again on XXXX. I have documentation of XXXX calls I have made to Macy 's and Citi to try and resolve the fraudulent transaction/purchase.

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 2020-08-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have a checking account with Chase Bank. They recently sent me an email advertising {$200.00} when depositing {$15000.00} into a new Savings Account and leaving it there for 90 days. It seemed normal, but on review of the email I found that the offer was actually expired prior to it being sent. Even if I opened the account immediately, I would not have been given the {$200.00}. While this information was all found in the email, it is dishonest to send an offer with a headline for a product that doesn't exist, a bait and switch of sorts. 
I contacted Chase for an explanation, since it's possible the email was delayed due to a technical problem or just a legitimate mistake, but the responses were just as misleading as the original email. 
See the attached correspondence with Chase for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
someone stole my personal information, I am a victim of identity 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 2023-03-16
Company: Experian Information Solutions Inc.
State: FL
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:
The following items continue to report 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 ). I will bring legal action against you if you do not verify these items. 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 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 XXXXXX/XX/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 2020-01-10
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I went to my bank, regions, to find out about a personal loan. I was told they had to do a credit inquiry but that this was not a hard inquiry and would not show up.on my credit report. I recently checked my credit and check everything on it and sure enough a have a hard inquiry from Regions bank, had I known this would happen I never would have given them permission to run a 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 2017-04-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
From XX/XX/XXXX I had to take forbearance on my loans from medical school serviced by Navient and XXXX XXXX because every time I attempted to determine my income based repayment amount it was several thousands of dollars despite that I made a resident physician salary. The calculator was confusing and I even reached out to my XXXX school financial counselor for help who was similarly perplexed, noting that it should have given a much lower repayment amount, even XXXX dollars, based on my income. I thus accrued much more interest by needing to enter forbearance. I have since re consolidated my loans, but I read about the claims against Navient and wonder if this is why I was never able to enter IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to the U.S. Bank Altitude Go Visa Signature Card on XX/XX/2020, online. 

The application was in process for several days, and I have never been contacted with any follow-up. 

On XX/XX/2020, the application showed as denied. After a 20-minute hold ( seems excessive to me ) someone finally answered the call, who told me that they just needed to verify some information. 
I spoke with the verification department, and was asked a few questions. I was asked if they could send a text code to my phone, I agreed, and then they told me their system had an issue and the code could not be sent. One of the questions was if I was travelling and that prompted me to clarify I have to use VPN at home, and maybe that's why the application might show as not coming exactly from my address in New York ( even though the VPN is for the tri-state area ). 
I was asked a few more questions and put in a hold. In the meantime, I did receive the text message with a code. 

After holding, I was told they " don't feel comfortable approving this application ''. I had already confirmed my identify with questions, and also confirmed I received the text message but she refused to even take the code I received via text, due to their system error. She just kept repeating that they " don't feel comfortable approving this application '' but I was invited to reapply immediately without a VPN, and that would mean another hard inquiry in my credit report. 
Strangely, my partner had applied for this exact same card a few weeks ago using my computer ( and he lives in NJ, not NY ) and his application was approved. So this verification is also not consistent. 

I felt discriminated. 

I answered all my questions correctly, I received the text message in my personal phone, there is nothing in my credit report that would prevent me from opening the card ( no cards opened in over a year, score of over 810, no debts ). I understand if the VPN might have raised concerns but I already confirmed my identity, and asking me to reapply with another hard inquiry is not fair. 

It seems to me I was denied because of their system error ( not being able to take the code sent via text ) other than anything on my side. 

As a customer, I have the option to open any other credit card that I want. However I find it important to share with CFPB how my application was handled, even after confirming my identity and phone number. 

I never hard a credit card application denied before, and VPN was never an issue in previous applications.

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 2015-12-09
Company: FIRST CITIZENS BANCSHARES, INC.
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Currently I have no way of viewing my Checking account online or view my Statements because I have my statements done electronically. I called the ban today to find out why I can not view my checking account online and they referenced XXXX. When I called this number the number referenced XXXX. I have no way of finding out how much the bank actually put me in debt on the XXXX of XXXX due to a bank error in their online banking. This error cause my bills to be paid out double and created an over draft. When I identified the issue I ensured I contacted the bank and emailed the bank. In XXXX 2015 I was identified by the XXXX as a possible target of Identity theft and cyber threat. The day after being notified by my Chain of Command I was a victim of identity theft through XXXX ( Military Credit Card ). This is the card I used to make a transaction to a Company that was hacked. After notification I notified First Citizens Bank to my best abilities without violating any XXXX Policies. They put a freeze on my account, and later I found out after they lifted the freeze that a new account was established and a debit card was issued to the wrong account, and I could no longer use my checks. After this issue was cleared with the bank, I ran into the issue of the double payments. Now I have done my best to reverse all the double payments but now the bank has closed my account and I have no way of seeing any statements or know how much is left to pay. This was a bank error on First Citizens part and I am paying for the bank error. Also transfer fees from bank to bank. I have requested a letter from the bank to myself, for First Citizens to identify the issue that occurred, however they have yet to respond to my request via the internet or online services. I have been diligently trying to correspond via email with First Citizens Bank. The difference that is owed should not exceed about or an estimated XXXX dollars. When I spoke with XXXX the Branch advisor she told me to ignore the letters that were coming in the mail that I would have enough time to adjust reverse payments and also transfer money into the account. I explained that I would no longer be banking with First Citizens Bank because this was a huge error on their part and they did not want write a letter clarifying the issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX XXXX {$21000.00}

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 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Refinanced a home equity from BOA into a mortgage at XXXX. During the closing we provided all the correct information to XXXX -- at payoff XXXX tried to pay off the home equity with a wire which BOA was not willing to accept so they over night the check to BOA with the correct address. The tracking number indicated that they received it on XX/XX/XXXX. We have called BOA everyday trying to figure out why the payment and payoff was not completed. Customer service kept us on hold for over 90 + minutes. I then called their 800 number to lodge a complaint and was told they could not do anything. So I find myself not being able to complete a complaint ; speaks to the Presidents office and they could not help me. I spoke to XXXX in customer service and a supervisor XXXX XXXX - he asked to transfer me 3 or 4 times to be on hold for 90+ minutes again and all I asked was for a formal complaint to be registered. I have spent over 5 hours trying to talk to someone at BOA to repair this situation and payoff the home equity and it is still not resolved. I am not even sure if they did file a complaint because I have not evidence of this nor did he tell me someone would take care of it. This is unacceptable and feel this is not the manner any bank should operate. This is unacceptable and they have way too many excuses especially for a system conversion that does not have a business continuity plan for instances like the above.

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 2020-08-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my checking account with First Citizens Bank as a result of a promotion they were running. The promotion details included opening a checking and savings account with at least {$50.00} at account opening. Customers would receive {$300.00} as a bonus if they either had {$1000.00} in monthly direct deposits OR had 10 debit card Point of Sale transactions within 90 days of account opening. 

I had 10 point of sale debit card transactions completed by XX/XX/20. The terms stated the bank had 120 days from the time criteria was met to pay the bonus. 120 days from XX/XX/20 is XX/XX/20. There was no bonus posted by that date. I contacted the bank via their website on XX/XX/20 and was not given any assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted in XX/XX/2020 by Credit Control Corp. and informed that I had 43 medical accounts in collections. I explained that these accounts were part of a settled malpractice case and should have been removed from collections. I provided XXXX XXXX with a list highlighting all the accounts I was disputing along with an email from my attorney with his contact info as well as a letter from the insurance company points of contact that would verify that these accounts were in fact not eligible to be collected on. On XX/XX/XXXX I received a follow up call from MsXXXX XXXX where she informed me that they had never encountered a case like this but since my malpractice case had been settled they would not contact my attorney. She went on to say to me " you're just trying to get out of a debt you owe for services that were rendered to you '' She also made comments about how her company was not making any money as long as I wasn't paying these accounts along with other very out of line comments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I formally request that my 31 Public Service Loan Forgiveness ( PSLF ) qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX. The events leading up to this appeal for my pre-existing qualifying payments be counted towards my existing public service loan application are as follows : Upon my graduation from XXXX and XXXX XXXX XXXX in XXXX XXXX, I called FedLoan Servicing to inquire about loan consolidation and loan repayment options. When I stated my plan to enroll in the PSLF, I was advised by a FedLoan representative that due to my XXXX XXXX loans through XXXX, my FedLoan debt would be disqualified from PSLF eligibility if I consolidated my loans. I followed the FedLoan representative 's advice and proceeded to make separate monthly payments to FedLoan servicing and to XXXX. I have records of my regular payments. 
I worked at XXXX XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX and during this time made 31 qualifying payments under the Income Based Repayment Plan to FedLoan Servicing. I have multiple letters of qualifying employment verification from this period. 
Throughout my employment at XXXX XXXX XXXX, I remained in contact with FedLoan Servicing representatives via telephone and followed the progress of my loan repayment. I have screenshots of the FedLoan website that demonstrate no discernible difference between the loans and their respective PSLF status. 
After learning about the Revised Pay As You Earn Plan, in XXXX XXXX, I called FedLoan Servicing to inquire if I was eligible for this plan. A FedLoan representative informed me that I did qualify, but also recommended I consolidate my FedLoan XXXX my loans to qualify for PSLF. It was only after this discussion that I learned that my XXXX loans originally serviced through XXXX XXXX and taken over by FedLoan in XXXX XXXX did not qualify for PSLF. I immediately followed the FedLoan representative 's advice and re-financed all of my XXXX loans to qualifying loans. I have attached documentation of this consolidation. 
After refinancing my loans, I noticed that FedLoan servicing changed the website to better demonstrate PSLF qualifying payment status. I have screen shots of the revised website. 

In conclusion, beginning in XXXX XXXX, I made 31 payments, but due to a lack of communication by both the website and FedLoan representatives, I did not file the necessary XXXX consolidation paperwork until XXXX XXXX. I formally request that 31 PSLF qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation