BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Barclays Bank Delaware is refusing to allow me to change my privacy settings in order to disallow information sharing, even though they are required to do so under federal law. 

I received an annual privacy notice from Barclays Bank Delaware today. In the notice, it states that Barclays DOES share my personal infomation with affiliaties and other companies, and that I can limit that sharing. However, when I called the phone number listed on the notice, the representatives told me that they do not share any information and there is no way to change the privacy settings. 
Since their written statements contradict their oral statements, I assume that the written statements are true and the oral statements are false and that they do share. However, since they falsely claim that they do not share when I call them, they could not tell me my current privacy settings and appear to have no way to change them.

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 2021-03-22
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called Navient customer service on XX/XX/XXXX to verify that I was making a payment in full on my Loan XXXX and I wanted to make sure that Navient did not move the payment in full in the amount of {$1600.00} to the other loan, Loan XXXX which has a much larger balance. I was assured that my payment would be applied as I had entered online on XX/XX/XXXX. On Monday, XX/XX/XXXX, I logged into my account to verify that Loan XXXX was paid in full and LOW AND BEHOLD Navient customer service had lied to me again. The payment assigned to Loan XXXX was moved to Loan XXXX and only the monthly amount was applied to Loan XXXX. Needless to say I was furious and called Navient Customer Service and had to argue with the customer service representative to move the payment back to Loan XXXX and even had to threaten a lawsuit before she fixed the payment. How does Navient keep getting away with these ILLEGAL practices. I also had applied to have my consolidated loans forgiven because I work for the government and have worked for them for 13 years but my loan forgiveness was denied because when Navient consolidated my loan, they consolidate it into a loan that did not quality for loan forgiveness and once again Navient acting ILLEGALLY because I specifically asked for the consolidation that had the potential to be forgiven in the future. I was never given income driven payment option in XXXX when I had lost my job due to an XXXX and almost {$4000.00} in interest was added to my loan. Forgive my loan since I have worked for the XXXX XXXX XXXX for 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am getting numerous calls a day from Cons. They call my work, cell and home loan. I am working with a debt consolidation company and they are refusing to work them. I have a stressful XXXX coming up and they just keeping harassing me. In XXXX hour they called XXXX times and I talked to them each time and they ask for the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
One past due payment of {$27.00} dollars, on a store charge card, resulted in a credit score drop of over XXXX points. This essentially ruined my credit score and my ability to apply for loans of any type. It should not be that easy to affect ones credit score in a nation where credit is so important.

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 2015-09-30
Company: Unifin Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Received a call from XXXX. When I answered there was no one on the phone and after several seconds the caller hung up. When I called back a man answered and did not say the name of the company or that he had called me in an attempt to collect a debt. He told me he was calling about a payday loan I had taken out with XXXX XXXX Loans in XX/XX/XXXX. He said he wanted to know what I was going to do about it. He never told me the name of the company that he was calling from but told me that he has tried to contact me several times which is false. I have had the same phone number for over 10 years. I told him that it is now XX/XX/XXXX and in the state of Arizona payday loans are illegal and he should not be contacting me regarding a debt over 7 years old. Once I said the word illegal he seemed flustered and said that he had to terminate the call. Then he hung up. In the past I have taken out payday loans but I do not remember taking one with XXXX and I do not recall how much the loan was for. The man I spoke with said my account number ended in XXXX digits and when he said the XXXX digits they were the last XXXX of my ssn. Now I am worried that I may have a identity theft issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Platinum Holdings Group, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Worldwide Asset XXXX, LLC has garnished my entire paycheck for the next three months. Everything I make after taxes is to be sent to them by my boss. This leaves me with XXXX income, how am i supposed to live? I do n't even remember what this debt is from, and i do n't remember charging such a large amount, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am 100 % XXXX losing XXXX unable to XXXX  and no longer have XXXX  after 2 XXXX XXXX and a XXXX  XXXX. My health is further deteriorating and upon death they may take this amount from my estate which is what my family my need to take care of these expenses. I have a balance less than {$800.00}. I was put into a hardship program after the first XXXX XXXX because I had no income. I now receive {$900.00} in Social Security but have expenses such as rent food utility. I called XXXX to negotiate a pay off of half and they have refused. I have been paying this loan for almost 6 yrs.They offered a pay off {$100.00} less as a pay off. I am asking that you might be able to help me work with them. I am not asking for anything much except to at least pay this balance of with a smaller negotiated amount. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I GOT SCAMMED VIA PAYPALHe told me to send as " to family or friends '' I was trading {$78.00} + {$1.00} ( fees ) = 80 $ totalfor counter strike global offensive case keys. 

He offered me XXXX keys for my 80 $ which I took to be a fair offer and accepted the trade, sending him the money first via paypal verified. He tells me to wait a moment because he needs to check he has received and then he logs on and blocks me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am applying for a mortgage ; the debt collector recently showed up on my credit report ; my mortgage company has contacted XXXX and has said without a written contract of an agreement to pay this loan, I will loose my house!! 
The loan is over the statue of limitations.

Company response to consumer: Closed
Consumer complaint received 2015-05-31
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I received a review the Company response to my previous complaintsand there seems to be Mortgage Fraud going on the note that was sentin by the Bank is a Robo-signed Document with missing initials signed byXXXX. I would request that the original documents be produced or I willbe forced to sue them for Fraud and Untruthful Lending Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: JPMORGAN CHASE & CO.
State: WI
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:
I have already submitted a complaint and the company did not follow through to have the inquiry removed as previously agreed in XXXX on XX/XX/20

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have tried to send serveral rounds of letters to the bureaus with no responses as well as no results from my letters. I'm showing incorrect information still. I should have gotten a response from the bureaus but never recieved a single letter back.

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 2015-07-16
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: CT
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:
I recently sent letters over 60 days ago. To this bureau or bureaus and they are disregarding a regular consumer disputes Im stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband and I have become victims of fraud ( withdraws from our checking account not authorized by us ) and are looking to find out how we can get our money back. We were looking through our business account few months ago, and discovered fraudulent charges on our account using my husband 's debit card for purchases on XXXX. At first, the charges started out small at {$9.00} every couple days. Then they started charging in {$99.00} increments several times on the same day. One day there were XXXX charges for over {$450.00} and XXXX XXXX dollars within just a XXXX of days. We started adding each fraudulent transaction ( which began in XX/XX/2014 ) on every month 's bank statement and the total was shocking to say the least. It was over {$8100.00}. We called the bank and they refused to do anything saying we should have checked our statements more often. They said XXXX limits liability to XXXX days since the fraud began. We called XXXX and they advised us to call the bank and demand the return of our money since they were the ones who authorized the transactions in the first place. The bank says to call XXXX because they 're the ones who had the card registered in out XXXX account. Basically, after spending hours on the phone with both entities, we were getting the runaround and got no where. We realize time is of the essence here so we need your help asap! We googled XXXX debit card fraud online, and the number of people this has happened to was astonishing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Resurgent Capital Services L.P.
State: NJ
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've contacted XXXX XXXX directly and XXXX funding to no avail. I've disputed it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I paid off my credit card so had a XXXX balance there was a charge of XXXX i guess left over. i never got a bill or call and they assumed no wrong doing. i would not have let a XXXX bill get reported late after years of service. they were rude and due to errors with chase they reported me 60 days late. chase calls me for every stupid thing. i did not get one call about this small balance. as soon as i discovered it i paid it.. 2 months no bill no call no email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX HIED BLITT & GAINES TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.XXXX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY XXXX ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: GATEWAY FIRST BANK
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a statement showing that I was almost {$1100.00} short in my escrow account due to the fact that my mortgage lender switched ownership and did not include an RHS fee in my anticipated activity for the XX/XX/XXXX year. Also, I do not have paperwork showing in closing that I agreed to pay this fee. I have attempted to contact my lender and spoken with a customer service representative. They are only agreeing to allow me to pay the shortage back over a 24 month period instead of 12 months. As I told the representative, this was their fault and based on my paperwork, I never agreed to pay this RHS fee. I 've never received a letter or any other form of paperwork stating that a new fee was being added. 
Also, I have had problems with my payments since the beginning XX/XX/XXXX. In XXXX, I wrote a check on XX/XX/XXXX. I had to contact the company on XX/XX/XXXX because my check had yet to be processed. I wanted to make sue that the check had not been lost. The customer service rep stated that he had the check in his possession and would send it for processing immediately. I also had a late fee of {$35.00} due to this. He was able to correct it at the time. In XXXX, I paid another monthly payment online as a one-time payment. It took XXXX days to process and resulted in another late fee charge that I had to address. I am aware that the new law implemented in XX/XX/XXXX about the RHS fee applies to my loan. However, I am not sure that it is legal for the new owner to back-date my loan when they bought it out in XX/XX/XXXX and are trying to charge me the RHS fee for XXXX of when my old company did n't charge me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has placed a debt for medical bill which does not belong to me. Also, how did this company get my social security number to apply to me? It has already placed the debt to another person who shares the same address as me with the same name. I assume they do not verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had a Coinbase account for over 4 years and should have a balance in the account now of around {$7000.00}. For the last three months, I have not been able to log into the account. They have two part verification but do not send the SMS code so I can log into the account. I have tried all their " customers serivce '' options and only get computer generated tips. I need to get into the account so I can close it. They seem to have no human assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I applied for a Citi Bank CitiGold checking account which provided for a bonus of XXXX ThankYou Points upon meeting certain criteria. That criteria was met and confirmed by Citi no less than 4 times via secure messages and telephone calls. It took approximately a month and a half of repeated calls and e-mails to get Citi to honor this offer and deposit the XXXX ThankYou Points in my account. When the offer was finally honored, I transferred the points to my ThankYou account tied to my Citi Premier credit card and requested that the checking account be closed due to the poor customer service and needing to waste hours of my time following up with them to get Citi to honor their offer. I was explicitly told during the phone call where the checking account was closed and the points were transferred that I would have 90 days to redeem those points. Approximately 70 days after those points were transferred and the checking account was closed, I noticed the points had been deducted from my ThankYou account balance. When I inquired with Citi as to why, I was told that because I closed the checking account, that Citi was only allowing me 60 days to redeem the points. At no time was this ever communicated to me, and if fact this was in direct contravention to what I was explicitly told by Citi 's own representatives when I transferred the points and closed the checking account. The points have a value of ~ {$500.00} when redeemed for flights - which is what I intended on doing with the points. I have made a request that Citi honor the terms of their representative 's statements to me about expiration date of the points, and Citi has denied the claim. I either want the points reinstated with 30 days to use them, or for Citi to compensate me for the ~ {$500.00} in damages Citi has caused by not honoring the terms of their own agreement.

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 2015-12-30
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
paypal unilaterally deemed my account a " security concern '' and closed my account XXXX XXXX, 2015. I have attempted on multiple occasions to contact them via phone or using their online contact system. Each of these methods is infuriating enough to navigate, let alone attain results in utilization. With each phone contact, an employee gave me a scripted response with the promise they would forward my information and complaint to the " relevant department '' without result. I was told I would receive my money after 180 days from XXXX/XXXX/2015 and am still unable to withdraw my money. I find this behavior on paypal 's behalf reprehensible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is follow up to the complaints XXXX XXXX & XXXX ) from XXXX. I am attaching the last responses XXXX XXXX XXXX from Mr. Cooper had sent to my complaint where they had assured that the escrow was wrongly put into my account and that they had credited the amount that was being reflected. 

Things worked well for a couple of months - however, I just received another letter in the mail asking me to pay up the exact amount and showing that as a negative escrow balance. The reason being provided that those funds were used to pay for property taxes. As far as I am concerned, my property taxes ( both installments ) have been paid by me - the 2 dates as XX/XX/XXXX and XX/XX/XXXX for the 2 installments ( which correspond to the dates the checks cleared my bank ). 

It is possible that Mr Cooper sent the tax payments to the county - however, that is not reflected on my property account and it is between MrCooper and the county to work out how to resolve that payment. In the meantime, I want my escrow balance to be zero and this matter closed. 

I reached out directly via email to Mt XXXX XXXX and also left him a voicemail - I have had no responses at all. This is very typical of the customer service of Mr Cooper - no response and absolute silence. 

I have attached the 2 responses that were sent to me in early XXXX as well as the copy of the letter I received and my property tax records directly from the county at XXXX : XXXX XXXX : XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied for a home mortgage recently to find out a fraud Credit Inquiry from Capital One on XXXX/XXXX/2016,. This pull effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, I have faxed this documentation from Capital on over 8 times and they still refuse to remove it. I Would like Inquiry removed ASAP!

Company response to consumer: Closed with explanation