BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
About 4 month ago I started searching for a house to buy so I started paying attention to my credit score and looking into what was keeping it down. I found out I had a credit card open with CitiCard and that they had been charging me {$25.00} every month since XXXX. As soon as I found out I called them to get this resolved. I was bounced around from person to person for a month until I got in touch with someone who could help me. They told me my card still had a balance of {$250.00}, when I asked why I was being charge the {$25.00} fee they said this was the minimum payment. In 8 years, I had paid over {$2500.00} in fees, 10x the balance on my account. I asked them to remove the balance since I had more than paid for it already, they said no. I asked if they could at least stop the fees and I would call back to pay the balance, since their payment department was closed, the representative said they would stop the fees. A week later I noticed my credit score drop by 50 points with the reason that my account with CitiCard had been closed. I was never told that they were going to stop the fee by closing my account. WITH SUCH A LARGE DROP I COULD NO LONGER BUY A HOUSE. After trying, for another month, to get in touch with someone that could help me. I spoke with another representative of the company that told me they would launch an investigation into why my account was closed, re-open my account and help me fix the credit score error, but it would take a month. I waited a month for them to get back to me and when they did no explanation was offered and they did not help me with any of the other issues. As this is all happening my credit score kept going down. I found out today, XX/XX/XXXX, after seeing my credit score drop another 30 points, that they had replace my {$25.00} fee with a {$30.00} late fee instead. The {$250.00} had increased to  {$340.00}. I was never told any of this. I haven't used this card since XXXX when I was in college, I didn't even know it existed and it has become a nightmare. My credit score was XXXX now it's at XXXX. This company has taken away the ability for me to afford a home because of {$250.00} balance that I have paid over {$2500.00} for.

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 2022-06-16
Company: Santander Consumer USA Holdings 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:
I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement. As you can see in the attachments, Santander just settled the case in XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I signed up for a load and this loan was transferred to Freedom Mortgage in XXXX 2015. 

Freedom MortgageXXXX.XXXX XXXX, IN XXXX have made over the course of the loan 12 additional principal-only payments of which only 2 had been applied correctly at the first time. All other payments were distributed as additional regular payments, splitting them intoRegular principalInterestEscrow for TaxEscrow for Insuranceonly the remaining amount was added as additional principal payment. After I noticed this the first time I was calling Freedom Mortgage to get this fixed and ask to ensure that this will not happen again. Now, 11 payments later, the issue became even worst as they now splitted the payment into 2 times a regular payment, and only applied the remainder as additional principal. 
Every single time I had to call and had to have the payments being adjusted. 
My complaint is regarding the practice used. It seems to me that they are collecting on the overpaid escrow amounts interest until the customer realizes the wrong distribution. Given my loan being not that large, extrapolated across XXXX ( if not XXXX ) customers, the money embezzled from either the customer or the banks ( how ever one looks at it ) amounts to a considerable amount. 
Based on my experience with Freedom Mortgage it seems to be done on purpose to extract as much money from each customer as possible. 
I for my part are not willing to provide loans to my mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I had been contacted by a company called Phoenix Financial Services LLC whom informed me that they bought my debt from XXXX XXXX XXXX XXXX XXXX. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked Phoenix Financial Services LLC. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX  account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2019-05-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Well my student loan was being managed by Navient. I see that another law suit went into play by your company ... .Navient seems to being sued by everyone..huh? Yet my Federal Tax refund went to the US Dept. of Education ... the entire amount. I did not even know of owing anyone due to both of my XXXX needing  XXXX and this has been a " long drawn out process '' thru XXXX ... my XXXX XXXX is finally done in the middle of winter and I stayed deathly sick afterwards so I called and told them my XXXX XXXX   would not be done til summer. I'm not going thru that again. Now I owed them money too. I am responsible for an adult child with XXXX XXXX XXXX after raising a child with XXXX XXXX ... are you seeing the big picture here ... not an easy life so to speak. I thought Navient had gotten me thru a Loan forgiveness but I guess not due to the USDE taking all of my little {$2700.00} on federal tax refund. I depend on that money to do things that I can not afford to do off my little {$31000.00} a year which is not much after taxes in this economy now a days ... you can not even find a rental prop no matter what it is below {$600.00} and don't get me started on cost of living for everything else it takes to live in this crapped up world that in my opinion " the rich get richer and the poor get poorer '' ... .and while the Government turns a blind eye to I don't know how many millions that the banks got our country into back in XX/XX/XXXX ... .my XXXX little student loan which I thought was taken care of thru forgiveness ... oh yeah the government needs that ... In closing the USDE sent me some automated email with this case number attached to it XXXX ..my name XXXX XXXX. saying they would contact me within 15 days as of XX/XX/XXXX. No other contact has been made to me ... .so I guess in closing no only will I not get any of this years tax refund back ... .they are planning on doing the exact same thing coming up this years returns ... and I guess XXXX me out of money that I depend on as a single mom to take care of things I can't afford because it takes my entire pay just to live in this economy ... and I don't take vacations or go out to eat or those leisure things other people enjoys ... .I just try to live basically and make sure my child with a XXXX XXXX is okay. So if anyone and I mean anyone can take this seriously and help me out with this ... .I would greatly appreciate it. But, I've never been dealt a descent hand in life and I'm sorry to say due to that ... .I do not get my hopes up about things ... I guess I've grown complacent to expecting the worse and that's usually what happens ... so thank you from the bottom of my heart sincerely .... if you can do something about this in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The orginal creditor was XXXX  XXXX XXXX and because my bill was never the same amount but usage was and I was being overcharged for items I hadn't used I switched my cellphone carrier. I had a bundle also with internet. After getting nowhere with my billing I contacted the FCC who was able to get them to reduce my bill and unlock my equipment. I then began paying my balance owed. I then received a collection notice months later for the initial amount of XXXX ( XX/XX/XXXX ) but I had gotten it down to XXXX ( XX/XX/XXXX ) at that time. I was confused about who to pay at that point, I called and spoke with various people who either claimed not to be able to pull the account information to referring to the person who handled the FCC dispute. She advised she was unable to help because it was now a collections matter. XXXX  customer service offered no solutions either but to pay them. The first collection agency XXXX XXXX was notified in writing requesting them to be aware that the balance was incorrect and I was interested in resolving the issue. They never called nor wrote me in the regard they just changed the balance owed to {$250.00}. 

As of XX/XX/XXXX XXXX XXXX removed the item. It is now currently showing as an item under IC System, however, they have never called nor written me in the regard of resolving the issue. Further, I have no information on this company and nothing is showing on my report by way of an address or number to contact them. I also dont feel safe paying them without written correspondence nor a way of knowing that this will close and resolve the matter. I'm also not confident that if I pay them it will result in the matter being closed nor do I know if the item will be passed on to another company!! Its really awful how these companies just sell your information, never try to resolve the issue even when you reach out to them.The consumers are in a bad position because it takes so much to rectify and on multiple accounts. I appreciate your services!

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 2022-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged an annual fee of {$59.00} on XXXX XXXX, 2022 for the Capital One XXXX credit card. 

On XX/XX/2022, XXXX days after the annual fee posted. I called a representative to request cancellation my card and refund of the annual fee. Per the terms of the card, the annual fee can be refunded if the card is cancelled fewer than XXXX days after it posts on the account. The representative proceeded to close the account and assured that the fee would be refunded. 

On XXXX XXXX, 2022, I noticed that my account was still open and the annual fee was still being charged. I called a representative to inquire about this, and they said that they will no longer be able to refund the fee as it has been more than 40 days after the fee posted. The credit card account had also not been closed. 

There is evidence on my account that I called on XXXX XXXX, 2022 as a {$0.00} XXXX XXXX points redemption posted on my account. This is a redemption that I can not make on my own as there is a minimum point redemption amount that is greater than {$0.00}. The agent made this redemption at the time. The screenshot is attached. 

There is also evidence on my phone of an outgoing call to ( XXXX ) XXXX, the Capital One customer service number, on XX/XX/XXXX during which I first attempted to close the account and obtain a refund of the annual fee. The screenshot is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$1100.00}

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 non-monetary relief
Consumer complaint received 2020-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA wants members to submit transactions for dispute and not review when then can verify your geo location and biometric signature can confirm or deny if you are the device owner * ( if someone else is not enrolled with their biometric image ) to give a false positive. 

This false positive happened with me and they still act like I am not informed and later dismissed as an XXXX. Who does that? 

USAA has engaged in unethical business practices by only having a short conversation and later to discard what a victim has endured as if life doesnt happen. 

How? Why? 

I havent been able to access my XXXX XXXX and XXXX deposit which I thought was protected no matter what. Especially with it being a XXXX XXXX founded company. I am curious to know what percentage of the US population they get the XXXX  XXXX and XXXX checks knowing I have no food or power and after three days of 30-20 weather alone desperately reaching out for help to hear, oh I am sorry, but I dont believe you are a victim of crime. Really? Want the police report about the XXXX assault?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: CITIBANK, N.A.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My second mortgage Citimortgage. The terms of the loan is balloon for 15 years and will balloon within the 6 years. I am not qualified for refinance and the only option is modify the terms of the mortgage. This is my 4th year trying to modify the loan for the 2 years we did not really pursue all the way to the end because I was informed by Citi that iam not qualified because I have to be late to be able to qualified for modification.although we dont have no problem providing the requirements. The third year I finished the requirement and went thru all the way again it get denied because to be able qualified is to be late on the mortgage payment non was mention about modifying the XXXX mortgage prerequisite to modifying the second mortgage.I explained to Citi for not being late on my mortgage although I am not late in my mortgage I am very late on other things like our electricity, water, cable and other things. I am afraid that if I am late I do n't want my property to be foreclose and taken away that I worked so hard and this this property is where I lived. 
This year again in XXXX tried to inquire about modification I asked them if I they can mail me the modification pocket. The fist encounter there is application for modification. The second call is my wife talked to mortgage specialist then requested to modification pocket there is no problem Citi will send the modification pocket. For 2 weeks non was mailed to us as the mortgage specialist mention. Then my wife called for requested another specialist made an appointment at XXXX XXXX, XXXX instead calling my wife at the appointment she emailed my wife that she called my wife at XXXX XXXX, do n't know what time. My wife said she did not received that phone called nor have record that this Citi specialist was called So then my wife waited for the appointed on XXXX XXXX, at XXXX specialist did not call at the appointed so my wife preceded to call the Citi specialist asked Citi .why she did not call for the appointed time and why is it that Citi refuses to sent the modification pocket so we start the process of the modification. Citi said there is no application for the modification and said what is it that you want and Citi specialist said we are not QUALIFIED FOR THE MODIFICATION IF THE XXXX MORTGAGE IS NOT MODIFIED which is not mention from the previous request for modification. 
Here is my problem with Citimortgage1 ) Requiring to be late to be qualified for modification which in the last 3 years. 
2 ) Citi mortgage refuses to mail me the modification3 ) Citi specialist said to my wife not base on paper I was told this time modification is not option because the XXXX mortgage was not modify4 ) play musical chair, you are going right in the because it was intended not to be modified anyway.

Company response to consumer: Closed with explanation