BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Grounded an Infiniti Lease XX/XX/XXXX early, though due back XX/XX/XXXX. Leased a Nissan this time around, XXXX XXXX ( Mgr-XXXX ) contacted Nissan-Infiniti to make sure I would be able to qualify for the " Pull-Ahead '' program. I did the same thing, not taking his word, to make sure and he also provided me with the terms of that " Pull-Ahead '' Early Lease Turn-In, prior to finalizing the new Nissan Lease. After calling Nissan-Infiniti Lease/Finance Customer Care multiple times to verify this would not be an issue turning in an Infiniti to lease a new Nissan, and was informed that I did in fact qualify. XX/XX/XXXX, called again to confirm and verify after getting another letter about non-payment of last lease payment, oddly I 've been paying impeccably on time. Why would I refuse to pay my last payment and lease a new Nissan, almost 3-4 weeks ahead of it due date, I could have kept my lease, paid this last payment and leased the Nissan XX/XX/XXXX. Now XXXX the Loss Recovery at Infiniti tells me its my fault, I figured this is how they ( Infiniti-Nissan ) would operate after the fact. Someone ( s ), was grossly negligent in providing inaccurate information or XXXX failed to properly provide it 's customer service reps with the adequate training and information to provide customers with the right information. Now someone wants to claim stake, that an Infiniti lease end program gave alternative dates. LIE. I was negotiating multiple Infiniti dealers for favorable lease terms from XXXX, XXXX, XXXX, XXXX and none of them mentioned anything about a Lease End Pull Ahead Program or such dates about XX/XX/XXXX-XX/XX/XXXX. Why is it that they do n't even know, did n't know, including Nissan dealers from XXXX, XXXX, XXXX, XXXX who also did n't know about this Pull Ahead program? I even pulled my credit at multiple Nissan Stores, and they had n't heard of such a program. I think Infiniti-Nissan discrimates on who and when to use this selective " Pull-Ahead '' program for its Infiniti or Nissan customers, if their dealers do n't even know they had such a program, and XXXX XXXX happened to stumble on it. I have a XXXX XXXX XXXX XXXX, collections letter claiming {$640.00}. I could have paid it instead of leasing a new Nissan, all someone had to do was say that I DID NOT QUALIFY, and I would have used a perfectly fine Infiniti until XX/XX/XXXX, I had no rush to part with my luxury Infinity and lease a substandard Nissan, when I was in the zone of the lease end/lease turn-in period. Information crucial, and I am beyond certain that Infiniti-Nissan failed to properly communicate such promotion or program to its dealers, and its returning customers, then later falsifying that lease customers did or did not qualify and charge them with the last XXXX payments, as the program specifically only allowed up to the last XXXX payments waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 've never been told that the bonus is calculated according to the statement period instead of calendar month, and the Santander rep who opened my account told me that every month I pay XXXX bill online and receive more than XXXX direct deposit, then I 'll get XXXX dollars bonus each month. And their public advertisement also indicated that it 's per month instead of per statement cycle. So, I paid XXXX bills online and have my employer direct deposit my salary to my Santander account. In XXXX 2015, I only received XXXX bonus for direct deposit and called Santander for the missing XXXX bonus for the online payment, they then told me that it should be counted by statement period, as I paid XXXX payments in XXXX, XXXX payment on XXXX, XXXX payment on XXXX, they wo n't pay for the XXXX bonus in my XXXX statement. The information I got was very misleading and it 's not right for them to forfeit my XXXX XXXX bonus for bill payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received payments to my account from my insurance company, I spread my money into my different accounts, someone stole my debit card, I disputed the chargers and they were in my favor from the letter I received but the bank closed my account anyway and refused to return the rest of the money that was in my accounts even after I informed them where the money came from and stepped in to many branches and sent in lots of information still havent received my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Macys account that was closed. Due to my husband job loss. This account was covered up on the insurance benefit that Macys offered. About a claim in 2017. The insurance company approved the claim. However they have not processed a payment because they say they do not get the proper work from Macys. Ill forward the information to Macys Macys sent me a letter. The letter clearly support my claim. Maces and the insurance company is refusing to except responsibility. In the meantime my credit has been severely damage. Please review and advise.

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 2021-03-06
Company: FlexPath Capital, Inc
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After filing a complete with the CFPB on XX/XX/XXXX the loan from Flexpath Capital is still open after requesting for it to be closed. The last payment made on this account was XX/XX/XXXX. The company responded that the loan is being handled with a XXXX XXXX but is still open. This company XXXX XXXX XXXX XXXX was Dissolved on XX/XX/XXXX. Even after reposting the errors with the Credit Bureaus it would drop and reappear as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am a victim of identify fraud and as such, I constantly get fraudulent attempts for new credit on my credit profile. Since I am instantly alerted on these, I immediately start a dispute as these inquiries as fraudulent. A short time later I got a response from XXXX/EquiFax with the results of their investigation concluding these were legitimate inquiries, and if I had any further questions, to contact the credit grantor. I have reached out to the credit grantors and advised them of these fraudulent attempts and they have advised me they have blocked it in their system and sent notification to the credit reporting agencies to have these inquiries removed, but several months later, they are still on there. I have now sent the letters from the credit grantors, indicating they have requested these inquiries to be removed from the various credit reporting agencies, to the credit reporting agencies again, but as of this complaint, the inquiries remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage serviced by Seterus, because of a payment change and an escrow shortage the account fell behind about {$5600.00}. I have proposed to Seterus to make XXXX ( XXXX ) monthly payments of {$500.00} to get the account current. They are giving me a hard time and threatening foreclosure for such a small amount, especially the regular monthly payments are been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I am receiving numerous calls either to my cell or now to my employer.. leaving a number of XXXX ARS. I am fed up with being harassed on my phone and now at my work. 

I do not owe ARS anything and if I do, they should go through the proper channels of collecting a debt. ie, sending a statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My Credit Union paid off my citi card XX/XX/2019 and citi owed me {$380.00} overpayment They sent me the overpayment of {$380.00} and then charged my acct for the money they owed me contacted them buy computer, phone and credit agency,, all saying they would take care of it but instead ruined my 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 2021-03-07
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a lease with XXXX XXXX XXXX on XX/XX/2020 and due to maintenance issues with the property I had to terminated the lease less than 2 months into the lease agreement. I paid the amount due of XXXX which is attached. I also included a copy of the money orders indicating payment. I requested a copy of the money orders and asked property management to write paid in full on the copy of the money orders. The reason for the request is because they stated they will send me a copy of the receipt in the mail. I wanted proof that the account was paid prior to leaving due to the numerous issues I had with misrepresentation while being a resident. A couple of weeks later on XX/XX/2020, I received a call that I owed an additonal {$780.00} dollars. I provided proof of payments and the statement I received. They stated it must have been an error in the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I ordered a computer online at the end of XX/XX/2020 with a new BEST BUY CITIBANK CREDIT CARD that I applied for online. When I discovered there would be a delay in delivery for 2 months, I canceled my order. I have email confirmation my order was CANCELED. I was also sent emails my payment was denied. According to documentation I obtained from XXXX with the original tracking number XXXX the computer was delivered to Best Buy, XXXX XXXX, XXXX, TX. The computer was never delivered to my house because I canceled it. XXXX confirms the computer was never delivered to my house. I am being charged almost XXXX dollars for a computer I never received. 
When I went to the store the first time, they said they would investigate. I did not receive any feedback. Then yesterday when my husband and I went there they said the computer was delivered to my residence. The computer was never delivered to my house and I do not have the computer. Best Buy Citibank is charging me for a computer that I have never seen. They have been harassing me by phone and sending me bills ONLINE for almost a year and they are escalating the charge now to another agency. Citibank told me that I alone had to deal with Best Buy, XXXX XXXX in XXXX, TX. I have done everything they asked which was to contact the CARRIER, XXXX. 
This has caused me extreme stress and time.

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 2017-09-26
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:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I sent Rash Curtis & Associates a letter by certified mail return receipt that they received on XXXX XXXX, 2014 requesting that they cease and desist any and all collection activities on a medical debt that they have failed to properly validate. 

Despite this, they continue to call my cell phone ( which costs me money ) repeatedly. 

I am concerned about retaliatory conduct on their part because I have requested them to comply with the law including HIPAA, FCRA, and FDPCA which they apparently continue to ignore and not comply with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: NY
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 sent notice to all the bureaus that i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im filing a Legal and Ethics Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX of TX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX, ( XXXX  ) XXXX. & Transworld Systems Inc. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, PA. XXXX. ( XXXX ) XXXX, for falsey, illegally filing a collection claim against me for nonpayment of rent, moving before my lease contract ended. XXXX XXXX XXXX XXXX denied me the right to correct the false allegations before sending the claim straight to the collection agency. There was no contact during or after my move from their property on XXXX XXXX, 2020. Thats the date I moved out in accordance to the end date on my lease contract, even though I was being threatened and stalked by a violent, dangerous male tenant on their property. I had to stay in that dangerous situation because XXXX XXXX wouldnt allow me to move under the Violence Against Women Act, there reason was because they didnt cause the problem. I have all the documents and emails to prove that the collection claim that XXXX XXXX XXXX XXXX filed against me was fraudulent. Im requesting information on how I can proceed with the complaint so that I may be able to get the removal of the claim from my credit report, because that has caused me irreparable financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LOANCARE, which is a loan Collection Agency, refuses to cash any and all payments that I send to them on my VA Loan, so they can then foreclose and take over my home.

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 2016-10-14
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a joint checking and a personal checking account with BBVA Compass bank. I withdrew cash from my personal checking account, and bought a Cashier 's check ( check # XXXX ) for {$900.00} from the XXXX XXXX branch of BBVA Compass Bank, on XXXX/XXXX/16. 

On XXXX/XXXX/16, the check was lost, and I immediately called the branch I bought it from. I was originally told that I 'd to call customer service in Order to stop the payment, as the representative made a research and said it has n't been cashed or presented yet. 

I called the customer service number behind my debit card and I was told by the representative that the Balance & Control Dept was closed as at the time I called. I called the next day, and I was told by the Balance & Control Dept that I needed to step into a Branch, in order to be able to stop the check payment. 

XXXX I immediately left the hospital and went to the same branch I purchased the check from. I was told at the Branch that I needed to go look for, and buy a Surety Bond. 

I was n't made aware of this when I purchased the check. This check has been verifiably said at the branch that it has not been cashed. A Surety Bond cost {$1100.00} for a {$900.00} check. 

This is a voluntary malpractice on the part of the bank, wasting time on a lost cashier 's check that has n't been cashed yet, requiring a bond that was n't made aware to me at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: BSI Financial Holdings, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In may original loan, the payment I make a month includes the HOA fee ( I have attached a copy of this ). BSI is aware that they must pay taxes, the insurance plus the HOA fee ( I have enclosed a copy of the letter they sent to me acknowledging this ). However, I get a threatening letter from an attorney 's office representing the HOA stating that they will pursue a judgment against me for non-payment. I have been calling BSI since XX/XX/XXXX about this. Everyone I talk always claim they know nothing about this and would forward my grievance to a " supervisor, '' who does not have a name and can not ever be reach or return phone calls. BSI claimed they sent out a payment on XX/XX/XXXX, which the HOA say they never got. BSI sent ( if they sent anything at all ) to some random POBox instead of the one assigned to the HOA. They wanted me to send them the correct information in which I did ( Please see a copy of the email I sent to them ). BSI claim they never got it even though I sent it to them to the email ( XXXX ) they wanted. No one at BSI is working at any urgency to send the HOA fees to the correct place or seem to be concerned that I may get a judgment against me for money that is debited ( ACH ) out of my account each month like clockwork on the XXXX of each month. BSI 's game is that every time I call, to deny that they know anything about it, have me continuously explain the situation for eternity as NO ONE will do anything about it. BSI would much rather keep giving me the run-around and wait for the next " customer rep '' to also make the false promises that they will " expedite '' the matter to their superiors, who do nothing. If they are not paying my HOA as it part of the escrow, then what are they doing with my money? I don't understand how I can call almost everyday since XX/XX/XXXX, and nothing gets accomplished. I believe BSI is participating in fraud or just plain crooks as they taking my money and doing other things with it.rather than what they are supposed to do with it.

Company response to consumer: Closed with explanation