BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have a XXXX  balance on my XXXX Credit Card that is open. I would like that adequately reflected on all credit reports.

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 2019-04-04
Company: GREAT LAKES
State: CA
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:
On XX/XX/XXXX, I made a {$900.00} excess payment on my account which currently contains/contained two XXXX loans. One has an interest rate of 4.250 % and the other an interest rate of 3.150 %. I selected to manually enter my instructions for the payment and requested 100 % be applied to the higher interest loan, which should have eliminated this loan with a small amount left over. Instead, approximately {$770.00} was applied to this loan and the rest to the lower interest loan. 

I acknowledge that it appears there is a caveat in the instructions that pending payments may be applied first, but would note that my loan account also states that I am paid ahead by over {$6000.00}, I am not required to make a payment until XX/XX/XXXX, and I had just completed a scheduled payment on XX/XX/XXXX. In addition, the payment of this loan as directed would ( to my understanding ) changed what my next scheduled payment will be, as one of the loans would have been eliminated. 

Further, I was unable to determine any place on the Great Lakes site that outlined a breakdown of my scheduled payment per loan in the account rather than for the overall account, making payers unable to discern how to adjust any excess payments. For example, if I have a pending payment of {$150.00} on an account containing two loans, if I wanted to pay one loan off that is {$500.00} and do not know the portion of scheduled payments that might be automatically applied to other loan I do not know how much I should add to that {$150.00} to pay off the {$500.00}. Payoff amounts are, to my knowledge, only able to be calculated based on the entire account, not each loan in the account. I feel that all of this combined unfairly prevents payers using an " avalanche '' method to pay off higher interest loans first, allowing those loans to exist for a longer amount of time and gaining interest. The options available to the consumer are to A ) keep paying more and more months of excess payments while money is diverted to the lower interest loans or B ) be able to pay off the entirety of the account at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've received an alert on my credit report yesterday that there is a collection account that is unpaid. I IMMEDIATELY contacted the collection companyWAYPOINT RESOURCE GROUP. They advised me of {$260.00} debt that is unpaid from XXXX XXXX. I advised them I've never received any notification from them advising me of the debt. I've never had any accounts with the creditor. Ive never reside at the address that they provided me. I'm requesting for some help, If i was noticed in writing, I would of been able to challenge them and write them. This just appeared on my credit yesterday and this is unethical and wrong, I'm asking for this to be removed from my credit and please send me notification.There trying collect a debt that's not mine and never sent me anything in writing. Why is it allowed for anyone to just put something on your credit? The consumer has to now fight to get something removed that's not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX XXXX  and Experian for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX Bank. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from 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 explanation
Consumer complaint received 2019-04-04
Company: TRANSWORLD SYSTEMS INC
State: MD
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 HAD ALREDY DISPUTED A REPORTED ACCOUNT ON MY REPORT TO THE COMPANY CONCERNED YET IT IS BEEN SHOWN ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Navient Solutions, LLC.
State: ME
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:
Navient never explain loan for forgiveness was available for income driven plan. They made it sound like a bad option as you have to reapply every year and show your income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
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:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My current bank USAA FSB has violated my financial privacy by adding my partner to my PERSONAL checking account after being instructed multiple times not to. They have also been unable to remove him without signing a form. This seems inconsistent with the fact that I never authorized him to be added in the first place, instructed them to open up his OWN account yet they still failed to listen and let him get added anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I first began my loan with XXXX XXXX in XX/XX/XXXX ; after which XXXX XXXX transferred my loan to Navient. My original loan was for {$20000.00} and each invoice generated by Navient note " Consolidated '' loan but they do not indicate more information such as the type of consolidated loan. 

After trying to contact Navient this year ( XX/XX/XXXX ) to inquire about my participation in the Loan Forgiveness Program, Navient told me that I could not participate unless I would switch to another federal consolidated program at a higher interest rate and make another 120 payments. As a loan provider, Navient did not take any steps to notify me of the type of loan would not qualify for the Loan Forgiveness Program. Every single statement I have from Navient has not indicated more than my loan was consolidated. Navient had 10 years to notify its consumers but chose not to. My current balance is {$11000.00} however total amount to be repaid is also noted as {$12000.00}. 

In XX/XX/XXXX, I contacted the U.S. Senator 's office to create a complaint and they advised to contact the Department of Education. Dept of Ed evaluated my complaint and then notified me to contact CFPB as a case had been opened against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close an interest bearing checking account at M & T bank. I submitted a request to close the account via secured message on XX/XX/2019. I received a response on XX/XX/2019 stating that I would have to visit a branch or mail a signed request and that the signed request must be notarized if the balance is over {$1000.00}. I will try and pursue one of these methods, but both of these methods are very inconvenient.

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 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The following dates I have contacted Transunion/XXXX to remove a public record which has been reported erroneously.

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/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 2017-12-02
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I recently purchased a vehicle XX/XX/XXXX. I purchase this vehicle online through Carvana. At the time of purchase XXXX requires an ACH withdrawal to take place for the down payment. Which was verified account number and about directly with the bank via 3way calling. I was later notified on the XX/XX/XXXX the down payment did not go through. I was told that the account was unable to be located which they verified my account days prior. I was told that I would need to process the new payment either via credit card or send in a certified check. When I checked my bank account I realize I had an authorized charges and had to dispute them. During the process my credit card was canceled and I had to wait for a new card to come into the mail which I was told would only take 3 to 5 business days. I let them know that I could make the payment on the XX/XX/XXXX once I had the funds back into my account and a new card I was told that would be fine I had until the XX/XX/XXXX. With the holidays and I guess US mail service I had not received my debit card as well as the investigation on my account has not been finalized so I did not have the full amount. I borrowed funds over the next few days. As Iwaited for my new card. XXXX was the XX/XX/XXXX and Thursday which they were closed.When I called back Monday XX/XX/XXXX to correct the issue make the payment. I was told that they would no longer except my payment and they were going to repossess my vehicle and put it on my credit. I never received anything in writing I asked to speak to a manager and I was told that I was not be able to speak to anyone per the notes on the account the repossession order has already been sent and I would need to contact the Finance company. When I reached out to the finance company they told me that I would need to reach back out to the dealer. The finance company said they can not discuss anything on the account they didnt talk about and I needed to call back and speak to someone from the Carvana. When I called the dealer back the dealer explain to me that I needed to call the finance company and surrender the vehicle and they would not except my payment. I dont feel that they are being very ethical or acting in good faith as it pertains to this contract. The contract does not start that can refuse payment for any reason l explained that I can provide documentation to from my bank and still no one will talk to me other then tell me to surrender the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2018 I filled out forms for a credit card at TJ Maxx. I have never used the card however. ( I still have the card in the original envelope it was mailed ). I have been extremely cautious about my credit. Months later I saw I had a derogatory report on my credit score. I learned this was from TJ Maxx so I went to the store to resolve the matter. I was told they had no information on me and no records that I owed anything. Unfortunately I believed them. I filed a dispute. Months later I find out it is still on my credit report and the amount is {$270.00}!!! I have never used the card. I have never received a bill. I have never received an email regarding a bill or purchase. I did not charge any purchases at TJ Maxx!! I do not know how this bill came to be on MY report or supposedly charged to MY card but it is obviously in error. How do I resolve this??

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 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried numerous times this year to attain a free yearly copy of my credit reports online. The last 4 of my SSN:XXXX. After putting in all of my personal information on all of the three major credit bureau website 's and verifying the information their websites want me to pay for these copies. I monitor my reports each year since my information was stolen as part of the OPM Breach. I make it a point to review all reports are update all fraud and identity theft statements and I remove any and all false information. I have sent inquiries to each but have gotten no response.

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 2019-04-04
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am the Borrower on my loan and I discovered that Caliber Home Loans has been discussing and giving out information on my loan to an unauthorized party without my permission. The party actually tried to do a contract of sale without my knowledge with a co-borrower who released all of her rights to the property in a court action. I contacted Caliber today and they acknowledged who ordered the payoff XXXX XXXX XXXX, XXXX XXXX @ XXXX. 
I spoke to Caliber and then I learned that this company was on my account since XX/XX/2019 without my knowledge or permission. 
They have been hired by a person name XXXX XXXX who is not on the mortgage or the note. 

Caliber has no right to give out information on my loan and these people actually tried to have sale on my home without my permission. My mortgage is current paid every month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened two travel credit cards with chase. These two particular cards were recommended by financial adviser. I opened a few other cards to built credit. I have rebuilt my credit. I had been paying for everything mostly in cash. We chose the cards according to travel benefits, points that were offered per approval. They make other offers per use of the card within the 1st three months. I used the cards booked all my travel as I travel for a living. The accounts were closed without any warning. Paid as agreed. I was sent a letter after calling to inquire about the closures. In the letter it stated I had to many new accounts opened in a short period of time. I asked about the terms of the agreement. I hadn't used all the benefits that were given upon approval of the cards. I asked how can I get the benefits that I earned per charging the card was apart of those conditions of the term of the card. I was told just continue to make the payments. I've read a lot of complaints of the same issue. It seems as though chase false advertising on their credit cards to get people to charge up the cards then prematurely close the cards without keeping their end of the agreement. Many of the reward through the airline only work with the use of the credit card at that time of travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: GREAT LAKES
State: WI
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:
I received my yearly bonus from work and wanted to pay off the remaining {$740.00} of one of my student loans. I went onto the website and turned over the money from my bank account. I waited several days, waiting to see this money come out. Although the money instantly comes out of my bank account, making it impossible for me to make interest on it, Great Lakes always drags their feet for 4-10 days so THEY can continue to make interest off of me. 

I submitted {$770.00}, which is {$35.00} more than what was 'owed ' ( see attached ), because their is ALWAYS some conniving and deception when dealing with these people. After the typical days of waiting to see the money, already taken from my account, be applied to my loan I noticed that not only did they not use my money as instructed but, they arbitrarily left {$180.00} on the loan I told them to pay off. So they robbed my yearly bonus, refused to let me pay off my loan, AND are collecting interest on it as we speak!!! 

I contacted them stating that I ; 1. ) Have screen shots of what they've done 2. )  Have bank statements showing them taking this unaccounted for money ( my yearly bonus ) and 3. ) Have read and understand their " Excess Payment Policy ''. I stated all of this up front to try and expedite my dealings with them as their default stance is to always claim a lack of intelligence/understanding on my part. 

I'm done arguing with these people month after month and waiting around for them to do something about the CONSTANT " misunderstandings ''. There is no misunderstanding. I have all the paperwork to show they are lying and purposely misdirecting money in order to keep loans active, even AFTER I SEND THEM THE MONEY TO PAY THEM OFF. 

I'm not XXXX, I understand perfectly well, what they do is NOT complicated, and I should've reported them earlier when it was smaller amounts of money and not an entire year 's worth of regular over time to have my bonus robbed from me and then being called too XXXX  to know how to give my money to them properly. 

I sent them the money to pay off loan # XXXX. There is NO MISUNDERSTANDING. 

Then, I got an email from XXXX in Borrower Services Department stating ; " The first {$260.00} from your XX/XX/XXXX monthly payment were applied to cover your remaining monthly payment. The remaining {$500.00} was applied to the loan token of your choice. '' This is SO far off the mark that she could not have possibly even looked at my information. As you can see attached, my monthly payment came out on XX/XX/XXXX, as it does every month, and it is for {$270.00}. There is no money " left over '' from my monthly payment, that doesn't even make any sense. Then, on XXXX, they took my 2018 yearly work bonus, which she does not even mention in the email, and disappeared it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation