BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One offered a {$500.00} bonus for depositing at least $ XXXX by XX/XX/XXXX. I met this requirement and they are now refusing to provide the bonus. The exact wording of the offer is as follows and mentions nothing about maintaining a balance of $ XXXX. I met the requirement through cumulative deposits of $ XXXX. Capital One can not change the terms of the agreement after the fact. 

" Open a XXXX XXXX XXXX account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Lend Smart Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021 my husband and I did a VA XXXX refinance through LendSmart Mortgage. I was advised that LendSmart Mortgage would fund my loan and my loan would then be purchased by an investor and serviced by a mortgage servicing company. On or around XX/XX/2021 I reached out to my loan originator to inquire about my loan and why it had not been transferred to a loan servicer as I still had to mail in my checks to LendSmart. I was advised that the loan was funded prematurely and did not follow VA guidelines and therefore out of compliance and the VA would not insure my loan. I was assured that my loan would brought to compliance and I would have a permanent loan servicer for my VA loan by mid XXXX. I inquired about if the VA wouldn't fund my loan, then I didn't have a VA loan. I was assured that I absolutely have a VA loan, the product I inquired about and signed a contract for, they just have to bring the loan into compliance. On XX/XX/2021 I inquired again about my loan and where I would need to send my payment for XXXX as I still have not received any paperwork regarding a new servicer. I was then contacted on XX/XX/XXXX. 2021 by XXXX XXXX, CFO, and advised that I absolutely do not have a VA loan, since the loan was prematurely funded the VA would not insure or back this loan. I advised that was the product I requested and signed a contract for, however I was not receiving that product. I was then advised that I could refinance again on or after XX/XX/2021 to get that product but would likely be at a larger interest rate than what I currently have. I am now stuck with a mortgage under different rules and regulations than I originally agreed to and my only way to get the product I signed for, is to incur further expenses with another refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX has failed to remove fraudulent inquiries resulting from identity theft. I have already provided all required documentation. These inquiries are not mine and I did not give anyone consent to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: UT
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 XXXX/XXXX XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-11-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Since Synchrony Bank took over PayPal Credit I have been having a problem with the amount of money they claim I have to pay every month in order to avoid interest on my next statement. 
This is because they refuse to apply my payments to my standard purchases first, but instead apply my payments to my deferred interest promotional purchases first. The only way to have them apply payments to the standard purchases first is to call them EVERY MONTH after I have sent the payment. There is no way to set my account to do this nor is there a way to accomplish this online. I must call customer service and speak with someone after a lengthy wait. 
For example, last month I paid the entire amount I needed to pay plus some to avoid interest charges. 
During this current statement billing cycle I only purchased XXXX $ in standard purchases. My total new purchases on my account amounted to XXXX XXXX This is because XXXX of my purchases are deferred interest if paid within 6 months of purchase. I currently have no deferred interest balances due by XX/XX/XXXX. 
And while I was not charged interest last month because I sent a huge payment covering all they asked for ( XXXX $ ), if I don't send {$420.00} this month I will be billed interest. Even though I only have {$170.00} in new standard purchases and no deferred interest purchase balances are due in XXXX. In essence, I should only have to send {$170.00} in XXXX to cover entirely my standard purchases to avoid interest charges. 
When I called, they explained to me they do not put my payments toward my standard purchases first. They put my payments completely toward the deferred interest balances. Creating a situation where I always have large amounts of standard purchases due every month. Even though I thought I was monitoring my expenditures for the month to create a manageable payment and avoid interest. 
I did not realize that Synchrony Bank is not honoring the system that PayPal used when determining amount needed to avoid interest. PayPal always put the payments toward interest bearing purchases FIRST then toward the deferred interest purchases. 
Further I was under the understanding that during the Obama administration this practice was banned. It is unethical and I am having other problems with the credit cards I have now owned by Synchrony Bank. Unlike the years and years with no issues having these cards before Synchrony Bank.

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: MOHELA
State: TX
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:
During the summer, my loans were transferred from XXXX to Mohela. I sent two in-messages on XXXX XXXX, XXXX and XXXX XXXX, XXXX about employment verification and getting payments to become eligible. I event tried to call, but had absurd wait times. 

I was ignored and read that others were being ignored as well which was convenient given the XXXX XXXX deadline set by the government and already passed so they didn't have to honor the Limited XXXX Waiver. 

To get help, I reached out to the XXXX  last week. The XXXX has been getting responses from Mohela, however, Mohela is refusing to fix the problem. 

I filled out the XXXX application last XXXX of XXXX. During that time, I was hired with XXXX XXXX Texas XXXX XXXX XXXX ). My time spent with them is also stated on my XXXX XXXX  that I provided to the XXXX  and Mohela which which is dated, signed, and stamped by HR. This should be plenty of proof for employment verification. 

According to Mohela, since I filed the application in XXXX XXXX and XXXX confirmed it, my payments from XX/XX/XXXX- XX/XX/XXXX do not count as eligible payments. That's ironic since Mohela stated at the beginning that was was still employed by XXXX. XXXX records clearly show that I was employed by them from XXXX XXXX XXXX but Mohela refuses to honor that. I did switch districts and started new employment in XX/XX/XXXX which I stated to the XXXX  and Mohela. 

The issues are this : 1. Mohela is cheating us out of eligible payments towards the XXXX even when given employment verification. 

2. They purposely ignored out communication since the XXXX XXXX deadline would pass as set by the US Govt. 

3. Next, when I do fill out a new application, then only my payments from XXXX to XXXX. will count as eligible, but nothing for the rest of this school year though I'm employed. Mohela states we only need to fill out an application once a year, but what good is that doing us when they don't honor a full given year and stop counting eligible payments from when the application is filed. 

4. In addition, as a teacher, our contract is from XXXX to XXXX in a given school year. However, our service records show only our school year 's end date when we leave so either XXXX or XXXX depending where you work. So all of us are losing eligible payments in XXXX and XXXX when we leaving a district even though we are paid and contracted through XXXX in a given year. 

5. I understand if they're going by the service records which is why they can not honor XXXX and XXXX, but even then, that's not fair. With that being said, if they'll go off of the XXXX  XXXX  for that, why aren't they honoring all eligible payments for the full time we've been with a district then? It doesn't make sense as they try to cheat us out of money and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm escalating these unfamiliar and inaccurate accounts that I recently found from my credit report today. There has been lots of mistakes and misleading details that were entered in my consumer file regarding these below Charged-off accounts. I needed them to be removed right away .... 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mr cooper neglected to forward my mortgage payment information to the credit report companies and my credit score went down exactly 100 points. I have never paid my mortgage late, in fact it is paid up all the way through to XX/XX/XXXX ( today is XX/XX/XXXX ) .I have also paid substantial amounts each month to the principal. My co-signor and I both live in Michigan and our car insurance uses our credit score to set our rates. This credit information needs to updated immediately to prevent this from  happening. Also my credit is completely tied up because it shows it as being poor. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a request for proof of an dispute back on XX/XX/23 to experian but have yet to hear back from the company or even an acknowledgement of the dispute itself

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 2021-10-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a loan modification with our mortgage company on XX/XX/XXXX. For the past 8 months, we have spent countless hours calling and uploading the required documents. We have been assigned 2 different 'relationship managers ' during this time and never once have we spoken to the same person. Every time we have a different person and we can not get connected with the underwriting department. From XXXX we made repeated phone calls to resolve the conflicting information with one of my husband 's paystubs. We uploaded all documents and repeated ourselves numerous times. On XX/XX/XXXX we finally received a completed package notice. This is probably the 6 or 8th time since we first filed that we received the notice it was complete. On XX/XX/XXXX after almost 2 weeks of having a completed package notice, we then received another missing information notice informing us there was an issue with a paystub and to call. We called and again were informed of the same issue for which we thought it was resolved. We provide all updates and on XX/XX/XXXX we received another completed package notice. on XX/XX/XXXX another missing item notice was received, again related to my husband 's paystubs. Then again on XX/XX/XXXX we received a completed package notice. Now on XXXX after 90 days spent resolving 1 issue, they are requesting updated unemployment income. I am no longer unemployed and will be providing them with the required P & L for my XXXX XXXX. I lost my job as a result of my XXXX XXXX COVID19 layoffs. I spent a year and a half unemployed and we never missed a payment. We worked with SPS to participate in the COVID relief programs they offered and paid all our reduced payments and the balloon payment that was delayed. We have excellent credit ( 830+ ) and haven't defaulted on any loans. In fact, during this time we were able to payoff our second mortgage. All we want is a loan modification locking in a fixed rate. We're not looking to take out any equity which is approx. $ XXXX.It 's an incredibly stressful time as it is without having to go through all of this and to check online every single day to monitor the status of our loan. There is documentation of all that we have uploaded in their system which I can screenshot if needed. The calls are recorded. I'd ask that during your investigation you pull everything so you can see how compliant we have been and how we have taken every imaginable step to resolve this on our own with no success. We need help. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy should not be reported on any of my credit reports 15 U.S.C 1681

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 2021-10-01
Company: Rent Recovery Solutions
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of my apartment on XX/XX/2021 and returned the keys to the office. I asked if there was any remaining balance, the office manager told me " no, you're all set. '' Yesterday I received a negative impact notice regarding my credit report. I never received a final bill from the apartment complex nor a bill from the collection agency. Through my own research I was able to obtain the collection agency 's information. I explained the situation to them but to no avail. I explained that I would be more than happy to pay the balance but don't feel that this should be reported negatively on my credit report since I was unaware there was a balance due and never received a bill stating there was a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello CFPB, I had sent in some sensitive documents for example, birth certificates all the documents that equifax, XXXX and XXXX  request to freeze minor credits. XXXX had prompt service in gave my freeze pins for my two minor children.I sent in the information around XX/XX/2021 I have not heard anything from Equifax or XXXX. When, I try to call the company I can not talk to live a person, and when I did the customer service person said they do deal with that kind of thing. Im concerned about where me and my children sensitive documents went or who has them at XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is not listing two accounts for which I'm an authorized signer. 

XXXX. XXXX  account XXXX XXXX. XXXX account 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 2021-10-01
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation