BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is a multi-part problem with Citimortgage. XXXX XXXX XXXX XXXX. covered my total XXXX for 9 years, but refused to honor my XXXX policy for vocational rehab, so I lost 75 % income overnight and got into financial trouble. That left me with Soc. Sec. XXXX and Calif. Dept. of Rehab. Calif. has poor enforcement of XXXX insurers, no atty would take a case for 4 years of voc. rehab benefits. I fell behind on my mortgage. Keep Your Home Calif. would not help me because they illegally count XXXX income as net income ( there is no taxation for this income, thus, it should not be reduced for withholdings ). Citimortgage would not allow me to refinance to a lower interest rate ( I was at 6 % and rates dropped to 2 % ). I could not get a loan mod. My XXXX income date fell 2 days after my mortgage pmt so I was always late, accruing $ XXXX/mo late fees. I caught up on the 2 missed payments and begged Citi for a new payment date so I was n't always late, but I never missed a payment. As a compromise, XXXX XXXX, of Citi 's Executive Unit said when I sold my home she would reimburse me the late fees. I sold my home XXXX and no one in the Executive Unit would honor her promise. She no longer works there. After I sold my home ( not a short sale or foreclosure ), I paid off the mortgage in full. I did not file for bankruptcy, nor did they reduce the payoff of the mortgage. I have moved 5 times since I sold my home trying to start a new life and continue on in school ( vocational rehab ). I only found out a couple months ago, Citimortgage reported me to the credit reporting bureaus as a foreclosure. I file the correction, but they refuse to take off the 2 missed payments from 2011. I feel Citi made me pay late fees for my " mistake '' of late payments. I now feel they owe me for their mistake of reporting my total payoff of my mortgage as a foreclosure -- it cost me a bad credit for over a year ( until I discovered it ). They refuse to apologize or discuss honoring XXXX XXXX 's promise as a compromise. This has made it hard to re-start my life. If they can dish out punishment for mistakes, they should also have to pay for theirs. Thank you for listening to my views. ALSO, DO NOT BUY XXXX INSURANCE UNTIL THERE IS ENFORCEMENT BY STATE GOVERNMENTS. CALIF. DEPT . OF INSURANCE REFUSES TO ENFORCE XXXX BENEFITS, LEAVING TAXPAYERS TO PAY AND CAUSING THE XXXX TO LOSE 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
Consumer complaint received 2018-05-31
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
XXXX Conventional real estate mortgage Amount Past Due {$860.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$830.00} Term 360 Months Payment Frequency Monthly ( every month ) On Time Payments 92 % Date Reported XX/XX/XXXX XX/XX/XXXXPayment Status 30 Days Late Amount Past Due {$860.00} Lender Info XXXX XXXX XXXX XXXX XXXX, PR XXXX Remarks Affected by natural disaster. 

THIS INFORMATION IS FALSE THE ACCOUNT IS NOT LATE THE BANK ACTUALLY OWES ME MONEY AND THEY ARE SENDING FALSE INFORMATION AND AFFECTING MY CREDIT SCORE.

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 2018-12-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of 2018 I re-enrolled in college. I have been, and continue to be current with all monthly student loan payments. On XXXX XXXX I received a notification via email from Navient that my accounts have been placed in deferment as a result of information received from myself or my school. The notification states that I am responsible for any interest that accrues during the deferment period. 

I did not request a deferment on my student loans as I intend to continue with my regularly scheduled payment plan while I attend school. 

I have contacted Navient to reinstate my regularly scheduled payments. I have also contacted my school to see what information they may have relayed to Navient. 

I feel that this is an unfair business practice. Placing repayments into deferred status and gaining from additionally accrued interest without consent from the account holder should be illegal. Navient has a long history of manipulating payment options to the detriment of the consumer. Their organization makes it very difficult to make additional payments and pay off loans early. Early payment is allowable under the legally binding agreement that is signed when applying for federal student loans. I have personally experienced this which is consistent with the overwhelmingly negative reviews left on their App. I encourage you to read the reviews for their app and organization on XXXX XXXX. 

This practice should be ended immediately. In addition, account holders should not be responsible for any interest accrued as a result of unsolicited and unauthorized deferments on their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an Amazon co-brand credit card with Synchrony bank. I requested their chat team ( sometime during this month ) to close my account after I clear my balance. I had not yet cleared my balance and they closed my account. In the process, they forfeited my rewards worth USD XXXX. I didn't ask them to close the account right away. Since they record the chats, it should be there in the record. When I reached out to them yesterday, they told me that I myself closed my account. I was shocked at such a blatant lie. When I asked for a proof that I closed it, they could share none because it was closed by them. They committed fraud by closing my account without my permission and forfeiting my rewards. Please look into 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 2020-01-08
Company: Equitable Acceptance Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMPANY HAS CALLED ME NUMEROUS TIMES ABOUT A DEBT THAT I DON'T FEEL I SHOULD HAVE. THEY SAID I SIGNED A CONTRACT WHICH I DID NOT. THEY SHOULD REMOVE THIS DEBT, THEIR EQUIPMENT HAS BEEN RETURNED UN OPENED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I have a GM Credit Card through Capital One. I gave a hotel in XXXX, IL my card for " incidentals '' and was charged for a bottle of water in my room for {$4.00}. I did authorize this transaction. I was charged an additional, separate charge of {$210.00} in which I did not authorize. I previously booked my hotel stay online with another credit card and I paid that in full before my stay. I contacted Capital One/GM Cards the day the transaction posted to my account, as I got a notification that it was posting. It has since been over 3 weeks since I notified them, both by clicking " dispute item '' on their website, and also by writing their customer care center to indicate the exact information I 'm sharing with you. I have not yet heard from them and I still have the charge on my account. I work for a financial institution in the Financial Crimes Department. I am completely familiar with Reg E and the requirements for providing provisional credit within 10 days. They are not in compliance with this regulation and they have not communicated anything with me in over 3 weeks. This is completely unacceptable and they should have to answer for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Gross Polowy LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from Gross Polowy LLC Attorney XXXX XXXX, XXXX, on behalf of XXXX XXXX and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sent XX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
would like to bring your attention to a serious issue I have with COINBASE wires that first took place on XXXX of XXXX XXXX have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP I would also like to point out that on XXXX XX/XX/2019 - I filed a dispute with COINBASE. 

COINBASE 's response was to TOTALLY IGNORE their responsibility they did not even provide a formal answer to my complain, they simply sent an automated email that the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is my third complaint regarding XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter indicating that the medical debt they reported on my credit file would be deleted. A few days after, I received notification that it was removed. Today, XX/XX/XXXX, the trade line has been added back to my credit and caused a 40 point dip in my overall score. This trade line needs to be deleted immediately as it is affecting my ability to purchase my home. I've attached the letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: MONEY SOURCE, INC., THE
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Money Source has billed a charge of {$1400.00} " Corporate Advance '' to my Mortgage Account # XXXX. I have asked repeatedly for an explanation of what " Corporate Advance '' means and an itemization of the exact nature. They have never responded. I have had my attorney 's office XXXX XXXX, XXXX, KY ( XXXX ) XXXX write two letters on my behalf. They have not responded to their requests either. Since, they have failed to respond over 60 days I am requesting them to remove this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Someone at Western Union used my account and debit card without authorization. I was charged {$440.00} two times recently. I authorized one transaction to XXXX XXXX on XX/XX/30 for {$400.00} plus the service fee. 

There is an additional {$440.00} deducted from my account from western union under the title bill payment. Which I did not authorize. Please fix this issue as soon as possible because I need the funds. It is my sons birthday, and I need the {$440.00} you took out of my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019 my auto lease was paid off by my insurance company due to my car being totaled out. The leasing company has not updated the credit report since XXXX of 2019. Right now my report still shows that owe over XXXX dollars on a lease that was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
Good evening, Transunion showed on my credit report that a bill was 30 days late in XXXX with XXXX XXXX  on card XXXX and XXXX. I sent proof it was paid on time. They agreed, and removed the XXXX listing. Transunion then said my bill was 30 days late in XXXX, I disputed on XX/XX/2019 with proof showing it was not 30 days late in XXXX either. They have nor responded as of XX/XX/XXXX. I called them on XX/XX/XXXX and they hung up on me after digging into the issue. 

Thanks for your time and help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: WA
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: Problem with personal statement of dispute

Complaint:
Citi Bank closed my credit card after agreeing to dismiss all charges with a hardship case due to medical issue. The executive office granted this to me. However they continue to report late payments and claiming I owe Over {$3000.00}.

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 2021-02-01
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account is was frozen after receiving a transfer of XXXX dollars from a linked bank account the bank sent me an email asking for some information that I provided a few days later such bank received my information on a Tuesday but in the meantime I had call to such bank on Monday a day prior to me providing the information asked for the reason why was i not able to use my debit card they didn't have an answer only thing I was told was i can't see any reason but someone will call you within 3 to 5 day with that being said Friday out of the same week 4 days later I reached out to the bank with hopes of having my account reinstated but the only response I get is that my account is still frozen for an unknown reason that I would have to talk to an specific department that was not available at the time then I asked for my account to be closed they said to talk to that specific department to have my account close i said well you guys have deprived me from my money for 8 days now now I demand my account closed I want to cut all laces between me and this bank right this second I don't want to here from this bank anymore I don't consent this bank to use any of my personal information for any reason I don't authorize this bank to call email me for any reason then the associate closed the chat 2 to 3 min later with the excuse that I didn't reply and I have all the transcript from the chat between the bank representative and me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: NPAS, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a workmans comp issue. I sent copies of all the medical bills to the XXXX XXXX ( my XXXX insurance company ) for payment. For some reason they paid all of the bills but this one. I also informed XXXX and XXXX XXXX hospital that XXXX XXXX was responsible for this bill. I mailed copies of all the paperwork and verbally gave them the information over the phone several times. I gave them the injury claim number, phone numbers, address and contact information. This bill is not my responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One has closed my line of credit and taken adverse action against me for exercising my rights in good faith as a consumer under federal law.

Capital One mailed me a statement dated XX/XX/XXXX showing that I owe a balance of {$3400.00}. Through this communication, Capital One has engaged in fraudulent activity against me and has violated my rights as a consumer numerous times. 

I mailed letters dated XX/XX/2022, responding to the statement I received outlining all of the fraud and violations against me. I gave Capital One 3 business days from the date of my letter to reply to my concerns, and satisfy my demands, and they have not responded as of XX/XX/2022. All of my correspondence is outlined in my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Consolidated Information Services Solutions, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
USAA credit card I did a cash advance of {$100.00} onXX/X/2015. Have contacted USAA credit department several times to request to pay this cash advance back they refused. I have a separate charge for cash advancye on my bill, they say I have to pay the entire balance of credit card before they will allow me to clear the cash advance. I have been charged {$52.00} every month since XX/2015 that 's {$960.00} for an advance of {$100.00}. Also {$52.00} a month is excessive for a ' {$100.00} debt. THIS IS PREDITORY CREDIT PRACTICES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  and Equifax refuse to unfreeze my credit. I need to apply for credit now, not in 2 week when they get around to compromising data that I have to " snail '' mail to them. 

The fact that I can't get a representative on the phone to work with me is egregious. These companies make money hand over fist and then hold my credit hostage. The federal government needs to severely regulate them. Lastly, the government should make them work together so that a credit unfreeze/freeze would be a SINGLE action, not getting jerked around by 3 different companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Key Bank went and escheated a Money Market account to the state of Pennsylvania. The amount escheated was {$6400.00}. I'm trying to retrieve the money from the state of Pennsylvania, but they have no records of the money. I contacted the bank and they said that a letter was sent on XX/XX/XXXX and XX/XX/XXXX ; however, we never got a copy of the letter. Now, the money is gone and we are not able to retrieve it

Company response to consumer: Closed with explanation