BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi Mr. President/CEO! I need your help more than ever, especially during this covid-19 that we're facing now. I was really shocked and surprised when I was reviewing my credit report this week and noticed that you marked me late XXXX and XXXX this year for 30 days late. As I mentioned on the letter that I sent, and now attached, I was hospitalized with XXXX during those times and I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Was paying XXXX and Navient $ XXXX+ faithfully every month. I went through a financial hardship and called in several times to see if I could get the monthly amount decreased. XXXX and Navient told me that they could not grant that request and that I would have needed to reach out to another financial institution such as my bank to see if they could possibly refinance it with a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had a personal, unsecured loan with Wells Fargo, which I paid in full well over a month ago. I have yet to receive any sort of confirmation the loan is paid, or a charge-off statement. The loan is still being reported to my credit. When I attempt to contact Wells Fargo, they advise me they have no record of me or my loan anywhere when searching by my social security number. They have intentionally lied to me about which department to speak with, about there being a supervisor in the relevant departments, and about the process of obtaining proof of payment in full. I have also been hung up on anytime that a person is unable to answer the most simple of questions, or when I ask for a person who can resolve this issue directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yes they closed my account due too activity. I'm.on XXXX going thru hardship. They also hurt my credit score. Not fair what they did. I would like them too give the credit back too me. Help my score. I was not able too see XXXX due too corona viruses. That's why was not active.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: U.S. BANCORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I filled a complaint on the XXXX regarding US Bank not assisting me with my payments, and they slapped on a late fee as retaliation and have not responded.

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 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was late on payments in the winter due to Covid 19. Capital One never sent a bill or called me to try and work with me on my missed payments! I called them a couple of times and was on hold for at least a half hour.. I was really late catching up because I work in the XXXX field and was hit hard with my job. I got all caught up and asked them multiple times if they could take my 30 day installments off of my report now that I'm all caught up.This was all due to the pandemic!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2017-08-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have paid on my student loan, taken out for XXXX for 7 years and despite being in good standing making my payments I have paid off Negative 12 percent of my student loan. According to my calculations I have paid over {$15000.00} and I still owe more than the loan was taken out for. I have called them countless times over the years and they refuse to do anything. At times they would let me pay {$100.00} to not have to pay for 3 months but I still accumulated interest. I think I did this once or twice. I have begged them for loan payment options and was berated every time, they said because my parents co signed 2 of my 2 loans I can not lower my payment unless THEY ca n't afford the payment, even my biggest loan that I talked about above that is not co signed by anyone. How can I pay something for 7 years and be in the negatives for repayment? They have lied to me so many times and never have any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Today XXXX XXXX me and my fianc visited Bank of America Branch in XXXX XXXX nc To cash our insurance check. We went through the drive through and was told due to the amount we have to come inside and their is an XXXX $ fee. So my husband goes inside and a XXXX woman refuses to cash the check for us because according to her was over their withdrawal limit. We left then tried to call to speak to branch manager got hung up on and then called back over 10x and no answer. So we drive back to that Bank of America I was greeted very hostile by a security guard like they were waiting for us and I was asked Y was I there. I asked for a branch manager was told there wasnt any manager there I advised them a bank or credit union can require identification before it cashes a check. However, if you are at a bank or credit union where the check is from and you show the identification they require, the bank or credit union must cash the check if there is enough money in the account on which the check is written. I told them my insurance uses them for a bank. I was still told they would not cash the check and to go to my bank. Then I meet another customer there to do the same thing and was also XXXX  told me he didnt have an account and no problem cashing his XXXX dollar check. I was racially profiled and denied the cashing of a check from someone who has an account with them. Im looking to file this complaint and after take legal action for discrimination which has been proven in the past that this bank does and thats the reason we didnt want to open an account with them

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 2020-01-07
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
After monitoring my credit and bills. The change and paying off hasnt been reflected in my report. Old items seem to still be present.

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 2020-01-15
Company: FEDChex Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Somebody named XXXX from XXXX and phone number XXXX keeps calling to try and collect debt. She does not say what the debt is in relation to, and they have not sent me written notice of the debt. I have no unpaid debt and am not behind on payments for my mortgage, so this call is not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: MIDFIRST BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, opened an account in response to a XXXX advertisement that provided a {$250.00} new account opening bonus, when two direct deposits totaling over {$1000.00} were made within 90 days of account opening. Having met this requirement, with payroll deposits on XX/XX/XXXX and XX/XX/2021, with deposit amounts of {$1000.00}. Despite terms indicating the bonus payment within 45 days of the second deposit, I have not received the {$250.00} bonus.

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 2020-11-20
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
They promised that my credit score will rise after mailing my inquiries to all the companies they to me to mail..my credit score is still the same score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Granite Edvance Corporation
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
A couple of months ago XXXX informed me of a new debt. I saw there were two debts from a company called : XXXX XXXX XXXX for a total of {$4700.00}. I immediately filed a dispute since they debts are not mine. Unfortunately, the dispute came back from XXXX as accurate information. This urges me to begin considering that this is criminal activity. I do not have these debts. I tried calling the company, but there is only a message that says, " Goodbye ''. The number listed on XXXX XXXX contact form is XXXX. 

I'm convinced this is criminal activity. It's some strange deferred payment loan which I've never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BAY VALLEY MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bay Valley Mortgage Group Inc. dba Pacific Bay Lending NMLS id XXXX was the lender our company submitted a conventional loan too. On XX/XX/XXXX we submitted a refinance in the amount of XXXX with a loan to value of 78 %. The borrower resides full time in XXXX XXXX Arizona. The borrower provided us numerous documents to support this home as there primary residence. On XX/XX/XXXX our company requested an update as to when the LE would be sent out to the borrower. The lender provided us a screen shot of there turn times, along with the date of XXXX they LE would be sent out. Per the disclosure department they claim disclosures turn times are 48-72 hours. This would mean they disclosures should have been emailed out on no later than XX/XX/XXXX. The first area of issue was during this time. The lender tells us the borrower must wet sign them and mail them back to them. BUT our AE, and disclosure team tell us they had to " back date '' the disclosures to insure they were in compliance. This is the first area of business concern we have. Next, was the loan underwriting disposition. On XX/XX/XXXX the lender partially underwrites the file and immediately suspends it over occupancy concerns. Immediately our company asks questions. The lender and there staff refuse to respond and address the concerns. For example, we asked about XXXX XXXX  guidelines, DU approval and the findings and so on. We submitted over 13 different documents to support the loan as a primary residence and this lender demanded XXXX tax returns. We informed the lender the borrower is on a extension and the response was if you can not provide XXXX returns the loan is declined for credit. We attempted to work through this but the lender refused. Finally, after 19 emails, and calls to many higher up people we got a response. The lender countered the loan to 2nd home occupant and the loan rate and pricing would remain the same. Well, then we asked what the ETA was for this correction the the AE and account manager refused to answer. Again we escalated. At this point the lender inserted there legal counsel. Mr. XXXX. He was less than helpful and threatening too. He claim that the senior manager XXXX XXXX just did not want to do the loan unless we provided the returns. We asked to speak to Mr. XXXX and was told he doesn't talk to anyone and will not talk to you. At this point we felt the lender was discriminating against us as a originating party and penalizing the borrower. Also we feel mortgage redlining is involved in this loan too. Our borrower is a highly qualified borrower and ultimately the lender said your terminated we will NOT deal with this loan or your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
I have retrieved copies of my most recent credit report, showing all 3 bureaus reporting. Have have made multiple attempts to have accounts on my report investigated, with no response to date. I have sent letters with specific disputes of those specific accounts dated XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020 ; to all 3 bureaus. I have made them aware of my decision to file a complaint for non-response, and still have not heard, or seen, any difference in those accounts that were challenged. I now look to you to assist the bureaus in meeting deadlines in a timely fashion, so that I may have some resolution to my credit issues. Thanks.

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 2020-08-07
Company: EQUIFAX, INC.
State: OH
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:
I have retrieved copies of my most recent credit report, showing all 3 bureaus reporting. Have have made multiple attempts to have accounts on my report investigated, with no response to date. I have sent letters with specific disputes of those specific accounts dated XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020 ; to all 3 bureaus. I have made them aware of my decision to file a complaint for non-response, and still have not heard, or seen, any difference in those accounts that were challenged. I now look to you to assist the bureaus in meeting deadlines in a timely fashion, so that I may have some resolution to my credit issues. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
0N OR ABOUT XX/XX/XXXX2015 I RECEIVED A DISCOVER CARD IN THE MAIL .I DID NOT KNOW IF IT WAS REAL OR NOT I NEVER REMOVED IT FROM THE LETTER. I CALLED DISCOVER CARD COMPANY THE XXXX OF XXXX 2015 TO REPORT THAT I RECEIVED IT AND IF IT WAS REAL THAT I COULD NOT FIND IT SO I REPORTED IT LOST OR STOLEN. THE MAN SAID IT WAS REAL AND SOMEONE ACTIVATED IT THE DAY BEFORE AND HAD ALMOST MAXED IT OUT. AFTER HE TOLD ME WHERE IT WAS USED I CONFRONTED MY EX DAUGHTER IN LAW, WHO HAD BEEN AT MY HOUSE WITH THE GRAND CHILDREN THE DAY BEFORE. SHE CONFESSED I CALLED DISCOVER BANK AND GAVE THEM THE INFORMATION AND HER NUMBER. SHE SENT ME SOME MONEY FOR THE CARD BY MONEY ORDER AND I CALLED AND SENT IT TO THEM. I FILLEDOUT THE FRAUD REPORT FOR DISCOVER AND WENT TO SHERIFF OFICE TO FILL OUT COMPLAINT. AFTER XXXX TRIPS TO SHERIFFS OFFICE OFFICER XXXX SAID THAT HE TALKED WITH DISCOVER AND THEY WOULD HANDLE IT INTERNALLY. ALL THEY DID WAS CONTINUE TO BILL ME I GOT A LETTER STATING IT APPEARED TO BE FRAUD BUT I HAD NOT DISPUTED THE CHARGES SO I DISPUTED THE CHARGES IN WRITING. I DO NOT KNOW WHAT ELSE I CAN DO .I DID NOT ASK OR ACTIVATE THE CARD OR USE THE CARD AT ALL. I HAD THE CARD CANCLED THE FIRST DAY I CALLED XXXX THAT THEY NOT SEN ANOTHER CARD. FOR SOME REASON THEY CHANGED THE ACCOUNT NUMBER BUT DID CANCLE THE CARD BUT THEY ARE HOLDING ME RESPONSIBLE FOR THE BILL I NEVER ASKED FOR OR AGREEDED TO BE RESPONSIBLE. WHAT ELSE DO I NEED TO DO. IT IS NOT MY BILL I DID NOT GIVE ANYONE PERMISSION TO USE THE CARD. I DID NOT EVEN HAVE THE CARD WHEN I REPORTED IT LOST OR STOLEN. PLEASE HELP ME I AM A SEMI RETIRED PERSON AND CAN NOT PAY OTHER PEOPLES BILLS. MY EXDUGHTER IN LAW HAS BEEN IN AND OUT OF PRISON FOR THEIF. I AM TRYING TO RAISE HER XXXX CHILDREN WITHOUT ANY HELP FROM EITHER PARENT. WHY CAN I NOT GET THEM TO USE THEIR FRAUD PROTECTION IN THIS CASE? IS IT BECAUSE I WAS HONEST AND TOLD THEM WHO DID IT AFTER I FOUND OUT AND GOT HER TO PAY BACK SOME OF THE MONEY? WHAT CAN I DO? XXXX OFFICE SAYS I HAVE NOT BEEN OUT ANY MONEY SO THEY WOULD NOT LET ME FILE. I AM STILL GETTING BILLED AND IT IS HURTING MY CREDIT. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX SINCERELY YOURS XXXX XXXX. PS I DO NOT KNOW HOW TO SCAN DOCUMENTS I CAN FAX THEM OR MAIL IF NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted several equifax via phone and via letter to let them know that they are reporting an incorrect address for me. I have submitted identity proof and a copy of my bills showing the correct address however they continue to report the incorrect information. For some reason they show that my address is in XXXX Florida however I do not live in XXXX or in Florida. I have wasted over 15 hours trying to fix my address and they continue to report it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX and XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX collections that are being reported as open on my XXXX and Transunion reports. When I called the collection company to pay off these collections the credit company informed me that they had no record of them. XXXX is for {$300.00} and the other is for {$500.00} XXXX are from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: CA
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 understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.

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 2016-12-26
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My medical information was shared with a 3rd party collection agency and sold which in all goes against HIPPA rules.

Company response to consumer: Closed with explanation