BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank checking account on XX/XX/XXXX under a promotion to earn XXXX AAdvantage miles if I deposit {$15000.00} in new funds ( within 30 days of account opening ) and maintain the balance for 60 calendar days. On XX/XX/XXXX, I contacted Citibank at ( XXXX ) XXXX to inquire about the status of the promotion. A bank rep reviewed my account and stated I have met the requirements but it will take about 90 calendar days of meeting the required activities before the bonus points is posted. I waited until XX/XX/XXXX and the points still have not post. I call Citibank again to inquire on XX/XX/XXXX. The rep reviewed my account and stated I did not qualify for the bonus because I did not deposit $ XXXX within 30 days of account opening. I asked the rep to ( a ) review my account notes as to why the prior phone rep have confirm my promotion qualification and ( b ) check the external history record where it show a $ XXXX was transferred from an external financial institution. The rep could not locate any notes from the XX/XX/XXXX conversation. She viewed my account and said that although I deposited $ XXXX by XX/XX/XXXX, as a new bank account the hold period take longer and funds were not available until XX/XX/XXXX. Since XX/XX/XXXX is beyond 30 days beyond account opening, I do not qualify for the promotional bonus. 

According to my bank record, I deposited $ XXXX by XX/XX/XXXX and Citibank should not use fund availability date for calculation to deprive my account of the bonus. The terms of the promotion state " deposit {$15000.00} new-to-bank funds in the Eligible Checking Account '' not funds availability. Copy of screenshot of promotion terms attached.

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 2017-07-19
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You contacted them and they said the date of the loan was XX/XX/XXXX. They simply now changed the date to XX/XX/XXXX. I did not take out either loan. I did not have a physical address or checking account. I was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Over the past 13 months Bank of America has been feeing this account {$5.00} per month without proper disclosure. As I need to close this account, they will not do it as there is a negative {$5.00} balance due to their monthly maintenance fee. 
Account number 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 monetary relief
Consumer complaint received 2015-06-23
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Freedom Mortgage Company and after reviewing my paperwork, I noticed some discrepancies on my paperwork. On my HUD-1 my interest rate is 6.5 % with a loan amount of XXXX but on the truth in lending statement my interest rate is 7.078 % with a loan amount of XXXX finance charge amount {$130000.00} total payment {$230000.00}. On the GFE the amount is XXXX. HELOC XXXX. According to my payment schedule payments should be $ XXXX ... However, I have never paid this amount since the beginning of the loan the lowest amount I have paid is XXXX. On XXXX/XXXX/15, I call collections and spoke with rep ID XXXX who informed me I had a escrow shortage of {$1600.00} and my account was being prepared for foreclosure. She transferred me to customer services XXXX ID XXXX ... she said an escrow analysis was done on XXXX XXXX and mailed XXXX XXXX, 2015 to my mail box. The problem with this statement is I do not have a mail box. I have receive all other mail except this XXXX that have been sent to me. She also stated that the new payment did not go into effect until XXXX because I had a short fall on my escrow ; but if you notice my XXXX statement I am paying the same amount for Escrow as in XXXX. This does does not square. I asked about my status with my mortgage and was informed that I needed to speak with someone in collections. I was transferred to Agent ID XXXX. We discussed completing a loss mitigation packet. I informed her that a payment had been sent. She said, the payment would be returned because, the foreclosure process had begun and they would process the documents when received to determine if they are accepted. But they will continue with the process even during the review. In order for the process to stop the entire amount of {$4400.00} is due. But, I question this amount that is due because of all the discrepancy with my financed amount and payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: OneMain Finance Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I obtained a loan from OneMain Financial with XXXX insurance on the loan. I was injuired and have not been able to work ( this injury is permanent ). I went through the process of utilizing my XXXX insurance so the insurance can make payments on the loan. Every since I have been using the insurance that I paid for, I have been getting calls constantly about payments not being made. I then informed the company that my XXXX is permanent and I will not be able to work now. Nevertheless, I am still getting calls from them every week about payments even though I filled out paperwork stating that my condition is permanent. I was told that they do not care about my XXXX and they will be calling me everyday and every week to collect a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX ( {$4200.00} ) has 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 2019-11-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Several weeks ago I called about my loan which was past due. I've been enrolled previously in a low income driven plan that reduced XXXX payments. I advised I wanted to reenroll in that service. I was put through an automated service, advised I will be paying XXXX monthly for 6 months. I asked about Forbearance on my past due, because that was always done in the past. I was told I will have forbearance applied. 

I called Navient this morning. I was told that I will get forbearance only have 3 consecutive payments. I was placed in a different program than I called about. I discussed at how the rep told me this over the phone on the forbearance. He said he will have the Supervisor review the phone call coach the representative. I advised this will not help me in the present. I explained my frustration that I specifically asked about this, because I do not want my information to be reported to the credit beuaru. I also mentioned student loans are taken very seriously by Federal laws, what is promised over the phone, and shared has to be very accurate. I discussed I would share this with a third party agency such as this one. He quickly placed me on hold to get a Supervisor. He came back without one, said I can sign up for another program, but I will have forbearance after 3 payments. This was also explained in the 5 minute recording I listened to. I asked the representative in the previous call this information on the forbarance after the recording and she confirmed I would have it after the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello - Santander bank gave me a 27.99 % interest rate Currently I have a XXXX XXXX XXXX XXXX and owe around {$22000.00} and had the vehicle since XXXX. My car note is {$550.00} per month, and the car is only worth {$7000.00}. Several dealerships have informed me my interest rate is extremely high and Santander took advantage of me. Can someone please look into this? 

Thanks in advance for your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a claim for a slew of charges I uncovered on or about XX/XX/2018 with my credit card company Chase six charges for {$160.00}, a charge for {$1500.00} and another charge for {$1100.00} totaling {$3600.00} with a company called XXXX XXXX XXXX based in XXXX XXXX XXXX  but that seem to communicate in Spanish and is allegedly engaged in the sale of time shares in other jurisdictions out of the united states. Chase my credit card company was ask to investigate the charge and provide me with evidence to substantiate these charges, they have neither investigated, nor provided or asked for any proof, they also refused to provide me with a copy of the response they allegedly received from the merchant. This conduct is usually indicative of bad faith when a powerful processor and a large financial institution try to suppress and circumvent the process of investigation in total impunity, they were also asked whether they had a business relationship with that merchant Priviledge or its affiliates that could cause them to have a conflict of interest in administering the claim, they refused to answer, they denied to provide any information about the investigation and denied the claim and validated the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased the vehicle from XXXX XXXX on XXXX XXXX 2017. I was financed by Westlake financial, the same day as purchase, as the sole lien holder of the vehicle. I paid bothXX/XX/XXXX and XXXX 's payments on XXXX2017 to the lien holder of Westlake financial accruing to the total of {$450.00}. On XXXX/XXXX/2017 at approx. XXXX XXXX My vehicle was repossessed by the seller, being XXXX XXXX, who was not the lien holder at that time, or currently, yet they are telling me that the finance company is forcing them to buy back the car. But when I spoke directly to the finance company they told me they would not do that for one late payment, especially when it had been paid. When the dealership has been paid and is only the seller and has no legal claim to the vehicle in the state of Florida as the only party that can order a repossession is the lein holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a charge off that has been reporting on my credit report since XX/XX/2021 the creditor is XXXX XXXX XXXX XXXX account # XXXX I have no knowledge of this account in I believe 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 2020-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 am a victim of identity theft. I got my credit reports and discovered several fraudulent accounts on my credit report. I've tried to fix it with XXXX, XXXX, and XXXX but XXXX reinserted the fraudulent accounts back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$52000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account.

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 2015-06-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
The subject is about Fifth third Bank internet auto-pay bankingThis is the XXXX or maybe the XXXX time that I set up an auto-pay but some trigger defaults the account the money is to be drawn from the account I assigned to an account that has the least amount of money and thus creates overdraft fee 's XXXX trigger is if you change or modify the amount, without you being aware unless you research intentionally will re-assign the account with the least amount of money.. I have addressed this fault with Fifth Third believing it was a programming error But now just another Trojan Horse.. 
A year and a half ago they sold me on the Early Access product that I was lead to believe was a overdraft protection product that was charging a very high percentage rate. I complained about that and now the interest rate is 3 % or lower and it is an overdraft protection vehicleThen last month or so I find out they started charging {$15.00} checking account fee on a free account.. XXXX reason being I have direct deposit. Now the bank manager credited 3 months because thats all the further he could authorize this refund. But still this bank continue 's with inventing these Trojan Horses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
In XXXX of 2021 I tried applying for a loan to buy a home. I had originally disputed my debt with Midland and this was causing issues when trying to be approved for the house loan. I contacted Midland and they agreed to remove the dispute since I was in a payment plan. Here it is a year later and now I CAN NOT be approved for a home loan because of this account being in dispute. I contacted Midland again and they said that there is no dispute since Im in a payment plan and they can see that. I have a picture of this conversation. If the dispute can not be removed from the account and its causing me this many issues, then I no longer need to be making payments on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The following statement appears on Truist 's monthly mortgage payment stubs *Due by -- XXXX -- *Required to keep loan in good standing. 

My mortgage deed and note state that payments are considered late if not received by the XXXX of each month. As long as my monthly payments are received prior to their late date, my loan should be considered " in good standing. ''

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 2017-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am filing a complaint in hopes of receiving back the thousands of charges that 5/3 has charged me. I had some extenuating circumstances with my employer, XXXX, where they changed our entire global pay system, and I did not receive a paycheck for the month of XXXX 2016 basically. In that time, 5/3 put through several of the same charges, 3 times, incurring a {$75.00} fee for XXXX transaction, to the tune of {$1600.00}, in 3 months. I wrote to XXXX XXXX, the Presidents office, 3 times, pleading with him to reverse, at least the second and third fees on each XXXX, I am willing to pay for XXXX {$35.00} fee per transaction, but XXXX seems exorbitant. Here is a list of the dates and charges : 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 {$1600.00} in bank fees in 90 days. 
If XXXX of those are valid - it means {$1100.00} are second and third time charges for the same debit attempt. 

I am asking for {$1100.00} back to me for the second and third time attempts. They told me no, they cant refund me any fees more than {$74.00}. I think this is atrocious. 
Feel free to contact me. I feel that this is heartless and that they are taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After my loan was sold to PennyMac Loan Services from XXXX my monthly payment went up. I was provided with an Escrow Analysis from PennyMac and after I reviewed it I realized they make ridiculous projections in order to squeeze money out of the consumer. They had my city tax at projection less than what the previous year was. And they had my county tax projection at a 182 % increase. You would think a company who services mortgages would know how to do a proper analysis ( a simple XXXX search of my county of even using a state average would seem plausible and reasonable ). I called to get it adjusted to a proper and reasonable amount using actual data of previous tax year paid but you get connected with a customer service rep who is not qualified to deal with or understands an escrow account. And forget about speaking directly to someone within the Escrow department. After I did some research and found out that an escrow account is not required on my loan ( VA Loan ) or within any of my mortgage paperwork stating it was required I called them to cancel it. I was told they would submit a request and a approval/denial letter would be sent in the mail. The letter came as a denial due to two reasons ( 1.FICO score too low and 2.LTV ratio not met ). If they are going to make up policies and deny my request it should come with a copy of said policy. I called them again to see what either of these things have to do with me cancelling my non-required escrow account and was told it was due to the policies of the shareholders. Makes sense to me, they are a publicly traded company and focused on greed and profits. None of my paperwork states that I have to meet either of these requirements to cancel my escrow account. To further show proof they are incompetent ( or willfully increasing customers escrow account on purpose ) I switched my homeowners policy and was sent a refund of over XXXX XXXX dollars. I was told this money would need to go back into my escrow to cover my new policy being paid ( but it didn't have to be sent because of their unscrupulous business practices ). I had plenty in my escrow because I have been overpaying them to begin with.

Company response to consumer: Closed with explanation