BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Citibank has been reporting the regularly reducing balance on my Home Equity Line of Credit that entered the repayment phase over two years ago, as a reduction in my credit limit to the credit reporting agencies. This is having a negative effect on my credit every month despite the fact that I make my monthly payments on-time. Every time that my husband I pay our monthly HELOC bill ( no longer drawable because it is in repayment ) Citibank reports this as a reduction in my credit limit, thusly negatively impacting my FICO score rather than positively affecting it through regularly timely payments. I have made many written attempts and countless phone calls to remedy this with Citibank as well as the credit reporting bureaus XXXX, XXXX, and XXXX. These including letters written by XXXX different lawyers who have indicated that they are in violation of the fair credit reporting act. I have proof in the monthly credit alerts I receive from XXXX that this is happening and has been happening for over two years. In addition I have copies of my credit reports that show the errors. Beyond that I have copies of my monthly statements which indicate completely different information than what Citibank is reporting to the credit bureaus. Citibank even indicted in a letter that there was an error to be corrected, which was to occur within 30 days, which they never corrected. They only consistently ignore repeated attempts by myself and my lawyer to correct the situation and continue on misreporting the information anyway. I am hoping that the CFPB may help me to achieve resolution of this matter that has gone on far to long to the great detriment of my credit rating and therefore my credit options as a consumer. In the process of discovery of what is going on, we determined by signing up for credit monitoring for my husband as well that they are doing the same thing to my husband, who is a joint signer of the HELOC with me. In studying the CFPB database it appears that another customer has encountered the same type of problem. That problem as reported has the case # XXXX. I hope that you may be able to help me get resolution for this incredibly vexing problem.

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 2016-06-22
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had applied and was approved for a CitiGold Checking Account on XXXX/XXXX/2016 under a promotional offer. The promotional offer stated that I would receive XXXX XXXX XXXX AAdvantage miles by spending {$1000.00} on my debit pin-enabled card in transactions within three months from account opening. I also needed to make two bill pays with the account in separate months. I completed all of the requirements within the three-month frame ( completed on XXXX/XXXX/2016 ) and then confirmed multiple times with the customer service team at Citi that I was eligible & had met the terms of the promotion for which I signed up for. 

I have saved documents of my chat history with customer service representatives both confirming that I was eligible for the promotional offer & that I had subsequently met all requirements to receive the miles offered by the promotion. The promotion states that XXXX AAdvantage miles will be credited to your account within 90 days from meeting the promotional requirements. Since I met the requirements on XXXX/XXXX/2016 & it is now past the requisite 90 days, I am now filing a formal complaint to expedite the process of receiving the miles Citi has not given me as a result of the Citigold offer.

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 2017-03-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for XXXX of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 
From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up. 

The lawsuit names Navient and two of its subsidiaries : Navient Solutions, the corporate division responsible for loan servicing operations, and another subsidiary, Pioneer Credit Recovery that collects on defaulted student loans with the parent corporation. All three entities are charged with systematically making it harder for borrowers by incorrectly processing payments or failing to effectively act when borrowers complained. Instead of assisting borrowers with available options for repayment, CFPB charges that borrowers were steered into forbearance, a temporary and high cost solution that suspends payments but allows interest rates to continue accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Chrysalis Holdings LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I applied for a VA Interest Rate Reduction Refinance Program mortgage loan through NEW DAY Financial LLC Prior to closing the loan. I asked my loan officer about a two-tier Va Loan due to reasons that I had just found out about. The loan officer did not respond in a timely manner and I needed to talk to someone that had knowledge of this process. I went to another company and they explained everything to me and got me Preapproved for my move to Florida, I closed XXXX XXXX, XXXX with New Day Financial. For MY XXXX Loan and Later found out from my XXXX XXXX XXXX that I had signed a Occupancy Statement with New Day Financial stating that I will Occupy the property as my principal residence within 60 Days as of the date of closing in compliance with the terms of the Deed of Trust Mortgage/ Security Instrument relating to the subject Property, and I would continue to occupy the property as my principal residence for at least one year after the date of occupancy. Unless Lend otherwise agrees in writing or extenuating circumstances exist which are beyond my control. I have been the owner and primary residence since XXXX XXXX, XXXX, I called my loan officer at New Day Financial and explained to him that for medical reasons I needed to move to a warmer climate and I had found a home in Florida in which I can spend my winter months and I needed a release of occupancy from New Day Financial, because under the VA two-tier the home in Florida would become my principle residence and my home here would become a second home. The loan officer told me that do not or never have issued a letter of XXXX XXXX and they would not do it. Under VA XXXX rules the VA explained me that I had met my Occupancy Requirement under VA XXXX and Regulations and so I was now confused. If they never do a XXXX XXXX. How can they have me sign a XXXX XXXX that says otherwise. I do not have any Prepayment Penalties, so If I wanted to sell the home and pay off the Mortgage it was ok. It Just do not add up. the XXXX XXXX does not understand what they are talking about. The new Loan Company that is Funding my House is asking for The Occupancy Release and I am totally confused. I have a preapproval Letter from my New Mortgage Company, I found a nice home had my inspection, and XXXX, flew to Florida, rented a Car. Inspected the home, Have a Purchase agreement everything is set except for this XXXX XXXX. Can Someone Help Me Please. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A debtor called me from Dynamic Recovery Solutions by the name of XXXX XXXX, and threatened me about a debt from XX/XX/XXXX. He stated my last payment was XX/XX/XXXX, and when I stated that I became unemployed shortly after that, and currently pay too much in student loans to handle any additional payments, he began revealing personal information. He literally threatened my credit and adding it to my credit history as he said " I see you have good credit right now, you have a couple of student loans, and it seems like you would n't want this held against you, but I can see you just do n't want to settle your debt. You are still being held responsible for this debt. '' I explained that I know my rights and it has been over seven years and he can not sue me or threaten my credit as it is past the statute of limitations, at which point he backtracked and continued to make back handed comments and insinuate that they would damage my current credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26
Company: Cash Express, LLC
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I had a payday loan with a company several years ago and paid if off. Now after several years they are trying to reach me by phone to get me to come back and do business with them. when they call i dont answer so now they starting calling the references that i had listed on my original application with them. they called my wifes cell phone number and highly upset her, i feel as if my privacy was compromised. I will never do business with this crooked company again, i never gave permission for references to be called on a closed account. they are so desperate for business they have stooped to cold calling old customer and their references. Im sure there has to be some law that prevents this from happening. The call was placed from the XXXX, Tn store at app. XXXX and the number they called from was XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2015, I bought a new car, and traded in my XXXX XXXX for a XXXX XXXX. 
On XX/XX/2015, XXXX sent a payoff check to XXXX for the balance of my loan. 
On XX/XX/2015, Hyundai Motor Finance took an unauthorized payment from my checking account via ACH as they have been doing for 2 years. I called them, told them I no longer owned the car and asked them to cancel the ACH payments. They agreed, but told me it would take 30 days to refund my payment. I called my bank who managed to stop the payment. 
On XX/XX/2015, XXXX again debited my account for another full payment, but I did n't catch it until Saturday XX/XX/2015. My bank ca n't stop the payment this time, I was too late. 
My understanding of the definition of fraud, applies in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XXXX Hyundia Accent for XXXX XXXX Hyundia on XXXX XXXX, XXXX the first contact had added costly services to include extended services, roadside, motor train, XXXX insurance, which at the time I had declined and asked the salesman XXXX XXXX to take out the services and charges. I called the dealer insisting the change or they could take back the care. XXXX responded its too late. I showed up to the dealership and spoke with the finance manager who kept claiming to be a XXXX as myself whom turned out to be dishonest and deceptive.The finance manager canceled the old contract provided a new one with a higher interest rate. He claimed Hyundia Motor finance would refinance a lower rate after 6 months.The total price was XXXX I made 22 payments totaling {$7700.00}. Today I called to find out the payoff and was told I owe {$13000.00}. The Rep ( XXXX ) explained more than half of my payment goes to interest and a {$5.00} daily interest rate is n't visible in the contract which is why she explains it to customers after the fact. I would have NEVER AGREED to that clause. I spoke to the elevation dept Rep XXXX who stated that Hyundia motor Finance will not change the APR even though I have two contracts from the Hyundia dealership. Hyundia is misleading customers, never called my references or verified my employment because they are taking advantage of female customers in an all men work place. The environment was very intimidating. They continue to call send emails and brochures to take back my care for a lesser price to put me in a more expensive car with old debt on top of the new payments. They are a foreign Entity misleading the XXXX XXXX with no Oversite. in XXXX these practices are going unchallenged and unnoticed due to a lack of education. I 'm asking for an investigation into Hyundia and a lower APR for misleading me twice. I have both contracts. Customer Service Rep XXXX then Escalating Dept Rep XXXX stated that Hyundia would not change the rate and does not refinance check with my Bank! Even though I went to a Hyundia Dealership to avoid this mess of small Mom and Pop and Bad Credit places I was treated Terribly after they got my first Signature and paystubs. I asked for a manger and XXXX placed me on hold came back XXXX min later stated manager was n't available yet. She asked if I would continue to hold or someone can call me back. I agreed to continue hold the it was silence then disconnected NO return call they have my number. I am asking President Trumps Administration To PROTECT the AMERICAN People from HYUDIA MOTOR FINANCE and companies like them.

Company response to consumer: Closed
Consumer complaint received 2015-10-22
Company: OLD NATIONAL BANCORP
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with XXXX XXXX XXXX for many years and in XXXX, 2015 they were bought out by XXXX XXXX XXXX XXXX XXXX. Many things have changed since that time in the way they do business. My bank account is tied to my XXXX account which I use a great deal for small purchases ( ie : {$2.00}, XXXX etc ). On XXXX XXXX, 2015 my online banking showed XXXX XXXX charges coming in that day totaling {$630.00} so I transferred {$1000.00} over to the account more than enough to cover these charges so there would not be any overdraft fees. On XXXX XXXX, 2015 I checked my online banking only to see that I had been charged {$260.00} for XXXX overdraft fees. Apparently a check for {$550.00} came in after hours of which I had no knowledge of and they paid that before the XXXX XXXX charges that were clearly showing during the day business hours. On XXXX XXXX I went into the branch and spoke with the XXXX regarding this incident. He informed me that the bank sets people up to fail by paying highest to lowest incoming items. He also informed me that this bank currently has a lawsuit going on against them for this type of behavior. He further more informed me that several other large banks around this area have already been challenged with this very practice and been forced to change the way they do this. He told me that XXXX XXXX would not change it unless the government forced them to because it is such a large money maker for the bank. If they would have use chronological time instead of highest to lowest as an honest way of calculating overdraft charges, I would have been charge only {$38.00} instead of {$260.00} that day. I also feel that charging a {$38.00} overdraft fee for a XXXX or even a {$10.00} charge is quite over the line. I have attached copies of my online banking showing this incident. This is not the first time this has occurred for me but I am a senior cistizen livng on a fixed income and feel that I am being taken advantage of. I appreciate any help that you can assist me with in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contested the debt but never received an official response to my position, while I have made month ; y payments to continue reducing the contested amount owing. My understanding about consumer fin=ances is, as long as the debtor is making a consciences effort to resolve the issue, turning the case for collection is illegal. This debt over a cancellation policy with XXXX started XX/XX/XXXX for {$200.00}. My monthly payments of {$25.00} every month has reduced it to {$50.00}, as of last week. By reporting the collection to the credit agencies, my credit score dropped by XXXX points and I believe this action was totally " unjustified ''. The consumer agencies should investigate the legitimacy of the collection matter before officially posting it as genuine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX, i am a first hand witness to this transaction. this communication is in regard to an account that is currently in dispute. A letter was sent out to the creditors and i made it clear that this account is in dispute and verification has been requested pursuant to 15 usc 1692g ( b ). this letter was mailed on XX/XX/2022 and verification has not been received. this complaint is being made to Experian so there is a proper investigation made regarding this account. in the meantime, this account must be removed from my consumer report due to not receiving the proper disclosures to opt out of having my personal and private information shared with any nonaffiliated third parties which includes Experian XXXX or XXXX. 

I declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct.

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

Complaint:
I applied for deferment due to financial hardship and was denied even though I met the necessary financial requirements. Therefore, I defaulted because I was unable to repay my loan. This in turn affected my credit. After defaulting they offered me a 2 month deferment but only with the option of taking on the full payments again. I was unable to do that and now my credit has been affected and now my tax return will be affected this year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: AFNI INC.
State: IN
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:
On XXXX 2015, i received a notice from AFNI that i owe a bill in the amount of {$1500.00}. 

On XXXX XXXX, 2015, i sent a certified letter to AFNI at the address identified on their letter head to validate the debt and they never responded. 

On XXXX XXXX, 2015 XXXX credit alert company contacted me to report that they had placed this purported debt on my XXXX Credit Report. 

This debt was placed on my credit report without proof that i owe the debt. Furthermore, i have requested XXXX, XXXX XXXX agency to send me the doecumentation and they continue to send it to different collection agencies without sending the information to me. 

This is viewed as fraud under the federal law according to the Fair Debt Collection Practices Act. I have the right to know the following about this purported debt. 

Who was the original creditor on this account and what was the account number? 
What was the origianl amount owed? Complete deteailed Payment History? 
What was the original date of delinquency for this account? 
Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment? 
What did you pay for this accountANDhow did you calclate the current amount owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, when I open new checking account ( account # XXXX ) with BankoftheWest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX ), the manager promised me ( he wrote a little note that 'deposit {$250.00} by XXXX XXXX, 2016 " on the promotion letter. 
Note : * The banker also wrote a note that I will get {$250.00} by XXXX XXXX, 2016 if I deposit {$15000.00}. 
* I also told them I got bonus last year already. 
But XXXX XXXX, I still do not get bonus {$250.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Loan No. XXXX Property Address : XXXX XXXX XXXX, XXXX, NY XXXX I previously complained about how Wells Fargo was handling my modification request. It took Wells Fargo several MONTHS in order to investigate the handling of my request. I am hoping that someone will INVESTIGATE this mortgage company. I was informed that my husband was required to submit his financial information in order to be considered for a loan modification. I was informed by Ms. XXXX XXXX on XX/XX/2019 that I had until XX/XX/2019 to provide such information. I have been contacting Wells Fargo for months asking them to provide me with a modification as I was able to make payments IMMEDIATELY. Because of the delay I am now well over 6 months in arrears and now will either need to go into foreclosure or bankruptcy to save my home. Wells Fargo is corrupt organization more willing to put someone in a dire situation rather than save their 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