BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Convenience checks

Complaint:
I applied for the Citi Simplicity card with 0 % interest for 21 months as I needed a new roof. I was sent a credit card and XXXX checks with a credit line of {$18000.00}. My roofer does not accept credit cards so I called Citi and was told by agent that I could write out the check to myself and deposit into my checking account, then pay the roofer in installments as I wish or do whatever I wanted with the money. I find out after I took their advice and deposited into my checking account the check bounced back. Their explanation was I did not leave enough room in the check for the transfer balance fee of {$540.00}. I had no idea that after following their instructions I was making a balance transfer. In essence I was making a deposit in my checking account, not transferring money from XXXX place to another. Representative insisted that was a balance transfer. I feel that was misguided and I was given wrong information on what to do with the check. I realize there are transfer fees when maybe transferring a credit card bill or other expense to another card, but I did not do that. I simply made a deposit as instructed. Now my bank account has a negative balance and I can not use my account on a holiday weekend until the bank gets back the check and releases my funds. My complaint is that nowhere on the check did it say this check was a balance transfer, in the paperwork it stated fees applied if I used this credit line as a balance transfer. I now find out from Citi that whether I use the check or the card thee is a balance transfer fee. Therefore false advertising of XXXX % for XXXX months is a mere smokescreen as to we charge you in other ways. More importantly, I followed the advice of the representative of Citi named XXXX who guided me to deposit the check and pay contractors with my own checks. I feel I am wrongly charged the {$540.00}, and I dispute that charge on the grounds of unclear wording and misguided advice. Also to misleading the consumer and leaving out XXXX important warning that if I did deposit it into my own checking account there would be a fee. I would never have done that had I known! I am asking for your guidance in this matter and I would like the public to know to be careful when using this service from Citi Bank without finding out what hidden fees XXXX apply, or any fees for that matter. I am a widow on a limited income, which is why I applied for this so I could stretch the payments over XXXX months. Unfortunately it was raining inside my house so I was forced to get a new roof, I totally could not afford XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Holloway Credit Solutions
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuous attempts to collect an unverified debt.

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 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
We have a 0 % introductory amount owing to Bank of America as well as an interest accruing amount. Bank of America is applying our payments to the interest free amount rather than the interest accruing amount. Is n't this a violation of the law signed by Obama in 2009?

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 2015-09-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
THERE WAS A PROMOTION FROM BARCLAY BANK FOR CREDIT CARD THAT IF CUSTOMER USE IT WITH 90 DAYS OF OPENING OF ACCOUNT, CUSTOMER WOULD GET {$50.00} AS A BONUS. ANY WAY I APPLY FOR THAT CREDIT CARD & USE IT. I OWE BANK {$69.00}, WHICH I PAID BEFORE DUE DATE XXXX RECEIVED MY CREDIT CARD STATEMENT FROM THIS BANK, WHICH SHOWS A CASH BACK REWARDS - {$50.00}. I CALLED THEIR REWARD SECTION WHICH IS OUT SIDE USA.THEIR TEL .NO IS XXXX. I MUST HAVE AT LEAST XXXX TIMES FOR MY REWARD BUT THEY DO NOT HAVE ANY INFORMATION ABOUT THIS ISSUE. ALSO ONE HAS TO HOLD FOR LONG TIME FOR EACH CALL.THIS IS LIKE FRAUD THAT THIS BANK DOES NOT GIVE CASH BACK REWARD TO CUSTOMER. THIS BANK HAS NO RESPECT FOR THEIR CUSTOMER. I WORRY SOME THAT I WOULD GET MY CASH BACK REWARD. I AM VERY UP SET WITH THIS BANK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account Number  XXXX  Debt Collect or : USCB AMERICA Date Op ened :  XXXX / XXXX /  XXXX   Past Due Amount : {$260.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  CA  XXXX  Original Creditor :  XXXX   XXXX  Account Number  XXXX  Debt Collecto r : USCB AMERICA Date O pened :  XXXX / XXXX /  XXXX   Past Due Amount : {$290.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  Creditor :  XXXX   XXXX  I foun d two collection account posted in my credit account, by USCB Collect  ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear CFPB, I have been with Bank of America for 13 years, and recently I have been treated unfairly. My Checking account product type was changed without my permission or notice, and I did not receive any disclosures. 

My checking account did not have any fees in the previous years. The first fee showed up on XXXX/XXXX/XXXX in the amount of {$25.00}, I called their customer service line and had the fee reserved and the account product type changed to a lower balance checking account. However, the BOA customer service did not complete the task. I then followed up again in XXXX XXXX, and was notified the account type was changed and the fees would be reversed. Which did not happen ... I followed up in again on XXXX XXXX, and then again in XXXX XXXX, and now today XXXX XXXX. I was promised in XXXX and XXXX XXXX the account type was changed and the fees would be reversed. Which did not happen ... 

I find it distasteful that a Bank of America can change the account type without notifying the consumer, charge fees without a disclosure, drop the ball on multiple occasion in customer service, forcing the customer to follow up constantly regarding the account product type change, and assessing fees that should not be assessed.

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 2017-01-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
MY COMPLAINT IS WITH NAVIENT. NAVIENT FORCED ME INTO FORBERANCE AN CONTINUED TO REPORT NEGATIVE REMARKS ON MY CREDIT REPORT CAUSING MY SCORE TO DROP.NAVIENT ALSO ADDED UNIDENTIFIED FEES TO MY FEDERAL LOANS THAT MADE IT EVEN HARDER TO PAY.. I WANT STUDENT LOANS REMOVED IMMEDIATLY OR CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Addendum to Complaint XXXX. 
I write to provide additional information about this complaint. On XXXX XXXX, 2015, I again contacted XXXX XXXX and spoke with a representative named XXXX XXXX. XXXX provided me with additional details about XXXX XXXX lack of knowledge of the settlement and payment arrangement Navient offered to me in their undated response to CFPB and details about how XXXX XXXX and Navient have negotiated deceptively and in bad faith. Specifically, XXXX stated : XXXX XXXX received the correspondence I sent to them, and shared with CFPB, on XXXX XXXX, 2015. However, XXXX stated that, because I had advised XXXX XXXX to not contact me, they would not respond to such correspondence. As previously explained, I finally advised XXXX XXXX to cease contacting me when I filed this complaint with CFPB because XXXX XXXX had begun to incessantly call my friends, relatives, and domestic partner on a daily basis and threaten them. When a party sends a written correspondence detailing the filing of a consumer complaint and engaging in negotiation to settle the dispute, as I did, it defies reason to ignore that communication and reveals the bad faith with which Navient and XXXX XXXX conduct their businesses. 
XXXX stated that XXXX XXXX does not own the debt, and did not purchase the debt from Navient. XXXX indicated that he believed in situations where a consumer has advised XXXX XXXX to cease contact, the company would return the servicing of the debt to Navient. 
XXXX stated he had no record of the settlement and payment offers Navient extended in their communication to me through the CFPB and told me he could offer me the opportunity to make payments toward the {$64000.00} balance that I am disputing. Navient, in their letter to me and response to the CFPB, stated that they had contacted XXXX XXXX on my behalf, and that XXXX XXXX was making the settlement and payment offers. This appears to be completely untrue. Navient continues to be deceptive and knowingly provided false information to CFPB in an effort to resolve this complaint. 
Shockingly, Navient and XXXX XXXX have begun to market additional products to me through both regular postal service mail and e-mail after previously claiming to have not been able to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I got my loans through Navient in XXXX. I got put through for barren twice, wasw never given another option. they made me pay almost {$500.00} to go into forbarren for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Every time I have called Navient to come up a proper repayment plan, I have always received high payment options.Moreover, right now I have been given a low payment plan, but it appears that the monthly payments are not being applied to the existing open balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My son stopped paying his student loan because of a divorce. By the time I found out he was behind he was almost in default. I am the co-signer of his student loan that was XXXX and is now Navient. I have taken over the payments because he just can not afford to pay them. I have spoke to Navient on several occasions to try and work out more affordable payments but they say I need my son 's information that I can not get. 
the loan is presently {$1700.00} past due. with a 10 % interest rate. I have made several attempts to bring this current but they have not been willing to help me get an affordable monthly rate. they will not decrease the interest rate, put the past due amount attached to the rear of the loan. I have been paying the monthly payment of {$250.00} -- the actual monthly payment is {$240.00}, trying to get the past due amount down since I can not pay the full past due amount. I pay {$250.00} /month and only {$37.00} is going towards the loan the rest is interest upon interest. Now I see the interest rate was changed from 10 % to 10.25 % - so instead of paying {$200.00} in interest it is {$210.00} .... how can I ever catch up or make a dent in the payment. 
original loan amount was {$17000.00} -- - now the repayment balance is {$26000.00}. PLEASE need HELP as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have student loans with Navient and have been trying to arrange a payment plan with them for over a year. Every time that I speak with an agent, they tell me my only option is to pay {$100.00} and put my loan in forbearance for XXXX months, at which time I would do the same thing and the cycle would repeat itself. I know that I have been accumulating great amounts of interest by doing this and I spoke with an agent today because my loans have been XXXX days delinquent. I understand that is my fault and what the consequences are regarding my credit score etc, but I have asked a number of times to try and set up an income based plan. Today, the agent told me to do that, my co-signer ( mother ) would have to submit her income for them to review and make a decision, not my income. I asked why they would want my cosigner 's income, and not mine - the person who should be responsible for the payments. She told me that is how things are and that I have to pay the amount now or have her submit her income, which I know will not lower payments as she makes more than me ( which I am sure is the case for many student borrowers ). I asked several times for them to work with me and said that I have every intention of paying them and want to make payments. She still gave me no options. I am extremely stressed out over dealing with this and can not believe that there is no option for me to set up a payment plan. I have never had this sort of problem with any other company and I do not understand why MY payments would be based off of what my cosigner makes. I spend hours every day stressing out about this and am constantly getting calls from them, at least XXXX times a day. Their voicemails always say that they are willing to work on coming up with an affordable plan, but every time that I speak with an agent they tell me I have no options on working out a repayment plan. I know that my credit score is being destroyed by this company and every attempt I make to arrange something gets me no where. This time, the agent even hung up on me after she ordered me to tell my mom that she has to make the payments for me and that they have to be paid now. I just want to be able to arrange a repayment plan with them that is more affordable for me as I have an entry level job and am responsible for living expenses, groceries, utilities, car payments, and other college loan payments among other common bills for young adults living on their own. I do n't know what else to do, because every time that I speak with an agent I get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Bank of America account XXXX XXXX 2016 in the branch and was told that initially my account was denied because I was in XXXX. I brought a letter from XXXX XXXX Services proving the account listed was fraudulent and verified as not mine. The branch manager called risk management and overrode the system and gave approval for me to open checking and savings. I deposited {$25.00} to each to open. The very next day, the accounts were closed because of XXXX so I went back in to the branch and so began a month long journey. First I was told it needed to be escalated to the Marketing Managerr XXXX and that I would be able to open it in a few days. Called back and was told he approved it and risk management overrode him and refused to open the account. I called risk management and was told that there was an issue and they would not override the decline and needed the marketing manager to approve it again. I called the branch and was told by XXXX that she was emailing him for an answer. This went on for two weeks and no one ever had an answer for me. I 'm still going back and forth between risk saying its the marketing manager and the manager saying its risk who wo n't approve the 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 2016-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Case # XXXX BOA still has not refunded my money. I spoke with them today and they promised the same thing as last time : " We will be sending you a check ''. 

I have been hearing this same verbiage for XXXX months now and still have no check. Please help me.

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 2021-11-25
Company: EQUIFAX, INC.
State: GA
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 ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts and inquiries listed in the attached file below which all resulted from the Reported Incident of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Today, XXXX/XXXX/16, I tried to send a moneygram online, as I have done several times before. I was told that my transaction was " under review '' and I had to confirm the transaction. Then I was told that the receiver also had to call to confirm the transaction. None of this was mentioned in the transaction receipt I received by email. I had to speak to XXXX different persons at MoneyGram and they were not sympathetic at all. The receiver has still not received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan was paid off in a mortgage refinance at the end of XXXX. The timing of the refi was such that I had to make an extra loan payment to avoid a 30 day late on my credit report. A few weeks later, I checked with the old lender ( Ocwen ) to ask when I might have this money refunded. They assured me that I would shortly receive both the overpayment ( approx. {$2800.00} ) and the amount remaining in the escrow account for taxes and insurance ( approx. {$500.00} ). I did receive the {$500.00}, but was told that they needed to hold onto the {$2800.00} 'in case there were any fees associated with the loan ', which made no sense as the loan had been paid off. I have called them repeatedly over the past two months, and continue to receive the same story, always that they are going to send it, but they just need to hold on to it 'in case there were any fees associated with the loan '. Additionally, when you call, you can tell they are just reading from a script, because if you ask any questions, they have literally no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in the Deed-in-Lieu process with Ocwen. My hardship paperwork has been in their possession for a full 9 months ( since XX/XX/2016 ). The process has been incredibly slow but now we are absolutely stuck because they can not find the assignment of mortgage. Without the assignment of mortgage, they can not complete the deed-in-lieu documents. And without the assignment of mortgage, it 's unlikely I can move the property out of my possession through a short sale either so I 'm stuck with very few alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hunter Warfield has refused to validate the debt on XXXX occasions, verbally in XX/XX/XXXX when they called me. They then called my brother and mother and disclosed it was for debt collection purposes, in XX/XX/XXXX when I sent a Do Not Call letter and a request for debt validation and in XX/XX/XXXX when I submitted another request for debt validation. Additionally, Hunter Warfield reports different amounts to the different credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation