BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX is deceased and I ( XXXX XXXX executor of the estate ) have been trying to do a short sale on the the house since XXXX of 2020. I have XXXX XXXX with the Negotiators of PA working on the file. The bank, Select Portfolio Servicing, has been playing games the whole time. After an original offer of XXXX, We submitted a full price offer ( XXXX which is exactly what the XXXX came in at ) along with all of the supporting documentation. This updated offer and HUD was sent in the beginning of XXXX. The entire process keeps getting delayed because the bank does not give all of the missing items or required changes in one update. They will give one or 2 things which we do and send in, wait another 5 days for an answer then they will have more changes ( that could have all been given at one time ). The other issue is that the don't call or send any updates. you need to call in each time to find out what's going on with the file. this will significantly delay things unless you're calling in every day. The latest ridiculous change they came back with was to add the signers name for the LLC to the hud even though that's not how it will appear in the deed. the third problem with this company is you speak to a different person each time you call in and they don't give you accurate updates because they can't see all of the notes on the file. The way they are treating this file for a dead woman is atrocious. There asking price which matches the XXXX amount. there is no reason to delay this any further. All we are asking for is the approval on this file so I can close out my mothers estate and move on with my life and my grief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: DISCOVER BANK
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received a letter in the mail from Discover Personal Loans offering me a personal loan. I looked over the offers and chose a {$25000.00} loan at 6.99 % for 84 months with a monthly payment of {$390.00}. AFTER Discover wasted my time with a bunch of questions and checking my ( excellent ) credit, they came back and, casually, offered me this loan for 18.99 % with a monthly payment of $ XXXX.This is after I told them I wanted to pay down a credit card that had an interest rate of 14 %. Why would Discover think that I would be stupid enough to accept a loan for 5 % more than I am currently paying? I declined to accept that offer. This sure has the smell of a classic bait & switch!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refianced our home mortgage in 2015, and the loan was sold Caliber Home Loans in XXXX, TX ( XXXX # XXXX ) for servicing. in XXXX, Caliber informed us there was insufficient money in our Escrow account to keep the monthly payment the same, and listed the new payment amount. They also included a smaller monthly payment amount if we sent them approx. {$300.00}. 
We wanted to keep the payments for our loan from increasing, so we sent the {$300.00} amount, PLUS the difference of the monthly increase XXXX. 
They returned the difference. I sent another check for them to keep our monthly loan payments the same, and they AGAIN returned the money, saying, by law, they had to return anything more than {$50.00} that was required by Escrow calculations. I explained that I did n't want them to add it to Escrow, but to keep the payments as they had been in 2015. 
They said they are unable to keep the payments fixed, even though I twice sent them monies which would do that very thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the XXXX mail, a XXXX weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the XXXX mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Utah System of Higher Education
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have federal student loans from Utah Higher Education Authority ( UHEAA ), which I am making monthly payments of principal and interest of {$420.00} on the XXXX of every month. I made an additional payment of {$10000.00} on XXXX XXXX, 2016. It is my understanding that XXXX percent of that {$10000.00} should go towards the principal of the loan, since it is an extra payment on top of my regularly scheduled monthly payments. This is also what UHEAA representatives have told me on numerous occasions. However, XXXX applied {$21.00} of my payment towards interest for the four days of interest that accrued from my normal payment date of the XXXX to the XXXX. They did not apply XXXX percent of my payment towards the principal of the loans. When I spoke with XXXX, a manager at UHEAA, she confirmed this was their policy and their system automatically applies any payment first towards any interest due and the remainder to principal. I would like {$21.00} credited towards the principal of my loans.

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 2021-01-04
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclays AAdvantage MasterCard requires customers to provide last 4 digits of social security number to speak to customer service. I asked about using a different 4 digit code, but was refused an alternative. I never authorized Barclays to use my SSN in that fashion and feel this is an identity theft risk. Called to customer service, then was forwarded to security who could not assist. Finally spoke to customer service manager who said there was no other alternatives available. Calls happened on XX/XX/2021.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
When XXXX XXXX moved to Navient..my loan was on deferment. They move the interest rate from 6 % to over 11 %. In addition, at that time my bankrucy paid over {$14000.00} to XXXX XXXX for my loan but it was never used to reduce my loan and in fact my loan increased from XXXX to over XXXX. I have paperwork to support this and sent to Navient and they said they could n't do anything because it was something that XXXX XXXX should have taken care of however XXXX XXXX letters came back to me because they do n't exist. So no one can tell me why my XXXX payment was n't applied to reduce my loan and why my loan went from XXXX to over XXXX. I need help and have no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: U.S. BANCORP
State: ID
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have a lease with US Bank XXXX, I moved to Idaho from Arizona, it took me 10 plus phone calls and 2 trips to mvd to finally get them to release the title to the state of Idaho. This process took over 2 mths. A month later my stmt shows a fee of {$25.00} for title transfer. I called US Bank, they read through my file and cust serv rep said since they put me thru so much of a hassle they would waive the fee. A mth goes by, my next stmt shows the fee again. Again I call same response, we are sorry we will waive the fee. Another mth goes by, fee still on my mthly stmt. I give up and wait until my lease is nearing term, I call again, now I get another cust serv rep mgr ( who I asked for ) I explain my situation, they said they can see all I went thru to get the title work transferred but the fee is legit since they did transfer the title to the state of Idaho. I told them they promised to waive the fee twice and it never got taken care of. Cust serv rep mgr told me they are not going to waive it unless I have a written stmt from them stating that they were going to waive it. This conversation escalated into myself getting very angry, the rep was rude and told me that they will never waive the fee now! I told her I will NOT pay it and they better not put anything negative on my credit report. I have a XXXX plus score with excellent credit, I should be a customer they want to retain but this is how they treat their sat paying customers? This is a scam ... ... ..

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 2015-07-31
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent a letter to this firm on a debt to XXXX, XXXX XXXX XXXX XXXX XXXX. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: VA
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 have contacted Experian on multiple occasions beginning in XXXX - XXXX. Experian has failed accurately report information pertaining to an account listed as XXXX XXXX XXXX on my credit report. Experian 's most recent update XXXX XX/XX/XXXX XXXX still contains inaccurate details on my credit report, it shows that the payments were deferred on the account which is not true. It also shows that the account is charged off however ; it does not reflect previous payment history. I have asked Experian to provide details on how they have verified the information reporting on my credit report. They have not responded. I have asked Experian repeatedly to remove inaccurate information from my credit file. Experian has failed to do so.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion, XXXX, and XXXX have not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!

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 2016-12-17
Company: AES/PHEAA
State: PA
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:
Despite XXXX separate written inquiries to the creditor ( National Collegiate Trust ) and to debt collectors it has apparently retained, the creditor refuses to explain charges on an itemized list of charges and credits that bear no relation to the principal or interest. Each time I request this information, the creditor retains a new debt collector rather than provide the requested information. As the charges in question ( see, e.g., " Forward Fee/Gross '' charges on Transaction History in the attachments ) bear no relationship and as the creditor can not explain the charges, I believe that the creditor is seeking payments to which it is not entitled. The improper charges caused me to fall behind in payments, adversely affecting my credit. 

Additionally, it appears that National Collegiate Trust ( NCT ) is seeking double recovery as they have concurrently engaged the services of XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, XXXX. for the same accounts. Despite my written requests to NCT, XXXX, and XXXX XXXX, I have received no confirmation that only one agent is working on behalf of NCT to recover these funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i've visited XXXX XXXX XXXX on XX/XX/XXXX. They created online account for me called patient portal, where i was able to log in and see all of my information. i also had medical insurance and after my medical insurance coverage i did recive email that i have new balance due on XX/XX/XXXX. i paid my balance online on my account on patient portal on XX/XX/XXXX. few months later ive recived phone call from collection agancy that i own money to XXXX XXXX XXXX. after phone call i tried to log in to my account with XXXX XXXX XXXX to check is that true and i wasnt able to. i called XXXX XXXX XXXX ( phone number : XXXX ) after that on XX/XX/XXXX and they told me that they dont have any information about payments or bills or my account because they changed the system they use. they dont use old system anymore, that they used few months ago, so thats the reason why i can not access my patient portal account either. they gave me phone number of their accountant ( XXXX ) which i called few times and they never answer. i tried to call XXXX XXXX XXXX again to try access my bills with them and try to make a payment with them if i own anything and they never picked up. i am still not able to log in in my patient portal. but on my credit report it showed up on XX/XX/XXXX collection account by radius global soulutions that i own XXXX XXXX XXXX {$70.00}.

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 explanation
Consumer complaint received 2016-01-21
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1 ) I sent this email to my bank : Greetings, I am a customer, and I tried to look up info on Union Bank 's exposure to pressure from oil and gas markets. I 'd like to get a clear picture of how much debt Union Bank carries in that sector. Can you please point me in the right direction? Thank you. 

2 ) I received this response : Dear XXXX XXXX, Thank you for your recent e-mail. Please see the link below. 
XXXX We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 3 ) I responded : Thanks for the response, XXXX. But what I was looking for was the amount of of outstanding loans the bank has in the oil/gas sector, not its investments. Where do I find that info? 
Thanks, XXXX XXXX 4 ) They responded : Dear XXXX XXXX, Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. 
We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : " Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer, I am entitled to this information. Please provide it or refer me to someone who can. 
Thank you. 
XXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately, the information you are requesting is not public information and we are unable to share the details due to the privacy law. 
If we can be of further assistance, please send a new message from our Secure Messaging Center, or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX, and Saturdays from XXXX to XXXX XXXX XXXX XXXX ). 
Thank you for the opportunity to assist you. 
Sincerely, Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right, especially after the mortgage fiasco? 

Thank you for any guidance you can offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In late XXXX of XXXX, I received a savings account promotional offer from Citibank while using the Citibank app. The offer was a bonus of XXXX XXXX XXXXXXXX XXXX  if I opened a Citi XXXX XXXX XXXX account and maintained a balance of {$10000.00}. Following the banks directions, I opened a Citi XXXX XXXX XXXX account maintaining a balance of {$10000.00} through the promotional period. 

In the summer of XXXX, when I had not received the bonus, I called Citibank and was told by a representative that the miles would be credited on XX/XX/XXXX based on the terms of the promotion. 

XX/XX/XXXX passed and I had not received the award. I called Citibank a few more times in XXXX and was told by customer service they would look into it. I was provided the following dispute number : XXXX. 

This past week a received a letter from Citibank that " promotional code '' used did not qualify for the XXXX XXXX XXXXXXXX XXXX bonus. 

Considering that I was directly solicited by the Citibank app and followed the banks directions to open the account, this explanation is nonsensical. 

To remedy the problem, Citibank should provide me the XXXX XXXX XXXX XXXX per their promotional 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 explanation