BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 a fraudulent : '' Emergency Cash Advance '' of {$1500.00} was billed to my Bank Of America Travel Rewards credit card. I noticed this charge on XX/XX/XXXX and promptly filed a dispute with Bank of America. The transaction occurred at a Bank of America branch somewhere in XXXX TX. I was in Maryland, where I live at the time of the transaction took place. 

A week later I got a letter from Bank of America informing me that my claim was denied. I called again and demanded they re-open the claim and explained to them that it was impossible for me to have made the charge. The representative state that they would re-open my claim and further investigate and examine video footage. Another week later I received another denial letter. They obviously did not do anything because the person who made the fraudulent charge was not me. 

So I called in a third time irate and told them that I did not make the cash withdrawal and they instructed me to furnish credit card statements from other cards I have that showed purchases I made in Maryland on the date of the fraudulent transaction that occurred in TX on XX/XX/XXXX, which I did. I also obtained a police report and sent in all the documents. They sent me a fraud statement form which I promptly filled out and returned and informed me that my claim was being re-opened. I also sent a certified letter with this documentation which was signed for on XX/XX/2021. 

I walked into the local branch to speak with a manager to see if he could do anything for me. He said he would personally reach out to the fraud team for me. However after one call, I have not heard back from him either after leaving multiple messages. 

Its not XX/XX/2021 and my claim status is still " claim being researched ''. Every time I call for a status they tell me nothing. Meanwhile I am being charged installments on this fraudulent charge.

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 2017-04-01
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received many phone calls from this company security credit systems in regards to a student loan account from XXXX College, I sent letters spoke with XXXX on the phone, I also faxed over the information that this account in under the us department of education, and that I am paying a monthly fee to XXXX who currently has this account, but the phone calls continue, I wish to have this account updated to reflect that this account in fact is being serviced by XXXX, and that payment are being made in a timely fashion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX/XXXX/2015 - purchased XXXX items at Macy 's on Macy 's credit card totaling {$100.00} ( only transactions on this card ) XXXX/XXXX/2015 - billing cycle ends. Balance due {$100.00} due XXXX - returned XXXX of the XXXX items to Macy 's . Rec 'd credit of $ XXXX - XXXX/XXXX/2015 made additional purchases/returns on XXXX - returned the XXXX item purchased on XXXX. Rec 'd credit of XXXX ( all XXXX items from the XXXX purchase of XXXX have now been returned with a credit of {$100.00}, comprised of {$67.00} and {$34.00} ) Balance due on NEW purchases in current billing cycle now {$68.00}. 
XXXX/XXXX/2015 - received next statement with a Late Charge of {$25.00}, because the minimum payment of {$25.00} from the XXXX/XXXX/2015 statement with a total balance of {$100.00} was not paid. 
Argument - I am being charged a late fee on the balance for NEW purchases. After arguing ( nicely ) with the billing department ( XXXX ) and her putting me on hold SEVERAL times and consulting with her 'senior associate ', she came back at least XXXX times to tell me why the late payment was due ( not having made a minimum payment ). I continually explained to her, that the minimum payment due was paid via returns of ALL items and thus the late fee is being calculated for not paying a minimum due on CURRENT purchases. 
After XXXX minutes on the phone, and her last consult with the 'senior associate ', she told me that because my purchase was on XXXX/XXXX/2015 and I had a credit on XXXX/XXXX/2015 greater than the minimum purchase, that she would refund the {$25.00} late fee. 
While that is great, I will now pay my balance and likely close this card permanently, it was not refunded for the right reason. I told her that I was happy it would be refunded and asked why it was charged to start with. She said " we do not know ''. 
I have to imagine this violates Reg Z in some way ( APR would be understated for a fee being charged as well as disclosures ). While that 's the regulatory reason, the reputation risk that Macy 's just endured is a loss of business due to employees not understanding the regulatory impact of the credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have informed Citi several months ago I could no longer make timely payments. Since my account has gone past due I have made countless attempts to negotiate a settlement to pay less than the full balance. I have been made aware of the tax implications and risks of this however, I can not afford to make monthly payment nor do I have the time to make ongoing phone calls. I am a XXXX XXXX XXXX and I make $ XXXX. I am seeking to settle for 50 % of what is owed within XXXX days. I have explained numerous times I can not afford monthly payments and they are not listening to me and stating " everything is system generated '' while I read online of the many other customers who have settled. The reason I became past due is because this credit card was taken out to help my family with some bills. My father the primary income earner became ill with XXXX stopped making payments. He has long term side effects causing him to be unable to work. He gave me some money to put towards this credit card and others but I can not afford to pay the balances in full. I am hoping your agency can help me get to a solution with Citi.

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 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
account with XXXX XXXX XXXX for {$36.00} has been paid in full Original XXXX on XXXX 2014 this account is showing open. after contacting XXXX XXXX and been tolld account is paid in full and closed and was to be removed from all XXXX credit reports still shows open and on reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently went into the branch of Chase Bank and called previously for the account correction and was not successful, yet tried to sign up online and have not been able to do so. I can not keep opening and closing accounts just to do simple online processing purchases. please help solve this matter, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing and sending letters to the bureaus and they have done nothing. I have received no letters or seen any updates to my credit. I will attach letters I send previously but there have been more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I went to school through XXXX university with them saying what great opprotunities I would have to use my degree in XXXX. Once I graduated and realized I could not use my degree in my field through there school I tried to go back to school for a different degree but most of my credits would not transfer to a different school. After I was out of school my ones have went through XXXX XXXX and now Navient and I am currently on the income based repayment loan for the past year. However my loans for school that I can not use my degree is growing nterest and I will not be able to pay them with this option the offer with all the interest they add on. My loans went into forbidden e when it switch over frthe m XXXX to navient and I was not contact. I have several student loans from navient fed loan and dept of ed on my credit report and is hurting my credit and all seperate XXXX total loans and therefor can not even get a home for my family due to even when I dispute these they come back mine. While I was a n school they never told me how many loans I would need to take out or the interest I would have to pay and how it would ruin my chances of providing for my family using there school to get my degree because nobody will hire so, done for the XXXX in there school. I haven been given a run around trying to get my transcripts and contacting the school which is not listed in your down list below so I click the closest campus even though I did not go to a campus I attended XXXX online

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold Checking account from Citi bank after receiving an offer for XXXX AAdvantage Miles if I opened a new account, paid XXXX bills with automated billpay, and spent {$1000.00} with the debit card. I opened the account on XXXX XXXX, XXXX. I satisfied all requirements XX/XX/XXXX and received a secure message via the citibank website on XXXX XXXX from XXXX XXXX stating the following : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. Please keep the promotion code on file for reference, and in case they do not post with the XX/XX/XXXX statement, please send us a message with the code so we may research it further. '' My points had not posted by XX/XX/XXXX so I sent them a secure message on XXXX XXXX to ask when my points would post. I first received a message back on XXXX XXXX saying Citi bank would look into the matter. I received another message on XXXX XXXX stating the following : " Unfortunately, you are not eligible for this XXXX miles promotion ( XXXX ). While Citi does offer XXXX miles promotions at times, this offer is available only to targeted Citi card members who received the offer via a direct communication from Citi. Our records show you are not a targeted client. '' This directly contradicts the fact that I received the promotion code. I have screen-shots saved from my account sign-up process to prove it.

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 2021-07-30
Company: Northtown Capital Services Group LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a generic voicemail asking for my current address and employment. The voicemail did not disclose what the purpose of the call was for or why the info was needed. On XX/XX/2021 I received another voicemail from XXXX XXXX who asked the same questions and did not state the reasons why the personal info was needed. That same day a couple of friends and family members reported getting voicemails from XXXX XXXX asking the same questions about me. On XX/XX/2021 I tried to call the number from a blocked number to try to find the name of the company. XXXX answered and did not disclose the company name. I ended the call. She immediately called back and left a voicemail asking me to call her back letting me know the call was ended even though the number was blocked. I filed a complaint with the XXXX  on XX/XX/2021. One XX/XX/2021 I left XXXX a voicemail requesting a call back requesting the name of the company and the nature of the call. On XX/XX/2021 I called since I have not heard from her. The director, XXXX XXXX, answered the phone and proceeded to tell him since I filed a complaint with the XXXX  he would not talk to me. He said he responded to the XXXX. I checked the XXXX  and he did respond on XX/XX/2021 and it stated I could call him and he would be more than happy to explain what is going on, but yet when I call today he refused to provide any info. I have no idea why this company is calling me since they refuse to speak with me and no letter has been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amounts agreed to be paid were made timely, yet reported to all 3 major credit bureaus as missing payments, incorrect amount paid and several payments were maded late. Incessant amounts of phone calls and correspondence.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to XXXX, XXXX, and Transunion to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my 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 non-monetary relief
Consumer complaint received 2016-02-16
Company: HW Holding, Inc
State: FL
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 was given a notice to vacate XX/XX/2015. I paid for XX/XX/XXXX then vacated XX/XX/XXXX. I have proof of payment on my bank statement of this transaction on XXXX/XXXX/2015. I am now being asked to pay {$3100.00} for early termination fees along with rent due when it should be {$1900.00} because I paid a full month 's rent of {$1200.00} for XX/XX/XXXX just before I left on XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
We consigned a loan for our nephew from Navient. He lost his job and was out of work for a period and he fell 7 months behind in his payments. Navient sent me a demand letter. I called and spoke with a Navient collections agent. He told me that if I made the account current, once the transaction had been recorded I could call up customer service and get his payment down to something he could afford. After I made the payment, and it was recorded, I called customer service and was told I would need to apply for a hardship adjustment, but both us and my nephews finances would have to be approved for a hardship case. If we do n't qualify, the payment remains unaffordable for my nephew. I was never informed about applying for a hardship, he made it sound like it was a quick phone call, and we would be all set. I feel like a collections guy needed to make quota, so he would say anything to get my credit card number. I requested a call from their supervisor, but that has n't happened yet. 
If this loan was reduced to the {$70.00}, 30 year, 1 % that the collection guy told me, my nephew would be able to make the payments, and when he gets more income, would be able to increase the amount. I just want what the collection rep at Navient said we could get.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Southwest Credit Systems, L.P.
State: PA
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:
Southwest Credit Systems are reporting XXXX account balances I have from XXXX. XXXX balance is {$810.00} and XXXX balance is {$610.00}. I want to pay XXXX balances in full. In exchange, I would like SCS to remove these accounts from my credit report. As I understand, reporting to credit bureaus is voluntary and the company has the discretion to remove the entry. Since there is no law requiring the entries on my report, I think removing them immediately after I pay the balances in full is fair. The account for the {$810.00} is now time barred. The statute of limitations has run out on being able to collect it. I still want to pay it if the entries are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Advertising and marketing

Complaint:
Advertised with : NO FOREIGN TRANSACTION FEES XXXX On XXXX we were charged {$50.00} foreign transaction fee. 

The card is advertised with no foreign transaction fee. Card ending in 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 2017-02-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My complaint is with Santander Consumer USA, which I have an auto loan. I do not think that it is fair that customers have to pay ( apprx. {$10.00} ) for on time payments which can be made online or on the telephone. The only way a customer could possible avoid making a payment to make a payment is by setting up an XXXX ( XXXX ) payment arrangement or mailing in your payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to refinance my vehicle when I got my credit report, there were charge offs and credit cards on my report ive never had, plus a lot of hard inquiries. I called all creditors and they said i needed a police report. I filed report but XXXX XXXX  wants me to get put on report that no payments were made because they said some payments were made but officer said no way to prove I made no payments.

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 2022-04-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In 2019 my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been 3 years since having the vehicle in my possession. 
XXXX XXXX still reports the original balance and report late payment every month

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 2016-09-26
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have fully paid the provider of the service, XXXX. XXXX should contact XXXX, their partner, to resolve this issue. I can not pay twice for the same service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has not communicated with the collection agency that the XXXX box has been returned!

Company response to consumer: Closed with explanation