BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: AES/PHEAA
State: FL
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:
My loans are held by Fed Loan Servicing. I was approved for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) in XX/XX/XXXX and submitted a case on XX/XX/XXXX to have my payment history reviewed as I have made more than enough payments toward the forgiveness approval. My account/payment history has been under review since XX/XX/XXXX and I have not received any contact regarding the status of my payments or case. I want to know what is going on with my account and I want my loans forgiven. Today 's date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The card was blocked right after activation. I have provided my state driver 's license - front and back, a valid scan of my social security card, a boarding agreement at my residential address, a recent court document showing my address, and scanned the letter that Capital One sent to me and they still refuse to unblock the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I would like to be refunded my {$480.00}. I filed a complaint due to negligence on this company before that their staff didnt move forward with a home loan, they pushed off Closing on a home several times with no legit reason. In XXXX XXXX, I was assured by the CEO that his Sales team had spoken with the listing agent and seller and everyone was on board about selling the home to me and that the lending team would be right on it to Close on the home. Sadly, another broken promise, I happen to be surfing the web XXXX XXXX/XXXX/XXXX & notice that the house was up For Sale. Very disturbing I reached out to the VP of Loan Sales and Loan Processor to inquire. The VP of Loan Sales said that he wasnt aware, & that I needed to reach out to the Realtor. Ironically, VP of Loan Sales XXXX mention to me that neither the Listing Agent, Seller, nor Realtor agreed to selling the home to me, even though for the past 20 days he and his Loan Processor have been requesting documents from me going back & forth of information they needed from me. XXXX XXXX, XXXX I emailed him to inquire if there was anything else needed for t set a Closing date XXXX. Loan Processor mention that when she return XXXX she get all my paperwork that I sent to her ( per her request ) on XXXX she would review when she returns from being away from the office. Just as a note, in the event they may say, that there is miscommunication between CEO and VP of Loan Sales, not true. I was informed that VP would be handling in place of the previous staff, to assist me in getting this carried out. The VP of Loan Sales emailed me XXXX that the seller nor the realtor didnt agree to re-write up the contract to sell the home to me. I find very strange why would they have me go through all of this in the first place then. I received word that the house was under contract with someone else XXXX by another realtor, and another listing agent. I was thoroughly misled. Truly bad business. This has been ongoing for some 7 months, I just would appreciate, since the last resolution per the company was to sell the home didnt come to pass, that refund is in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.

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 2018-10-12
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RADIUS GLOBAL SOLUTIONS Original Creditor Name XXXX XXXX did not attempt or care to resolve the dispute I originated concerning there lack of bandwidth or consistent lack of service ... .even after signing up for higher rate of service of witch I was paying and not receiving.. They oversold bandwidth for our area especially in the evening this is well known. This was critical for me since I was attending online courses for my XXXX XXXX paid for through my GI bill causing anxiety and undue stress as I was 100 % XXXX veteran not easily able to leave my house to seek an internet connection elsewhere. I canceled the service on my own and my brother was able to set me up with a more reliable internet service. I did not receive the internet I was paying for therefore a breach of contract on XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions Inc.
State: TX
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 received a copy of my credit report with the following company inquiry on my report without prior authorization from me for credit inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For 2 days I wasn't able to make a payment on my Barclays via web or phone on both XX/XX/XXXX and XX/XX/XXXX. I couldn't get through to speak to someone, the website wasn't accepting payments and the automatic phone payments weren't working.

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 2020-07-02
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: Personal information incorrect

Complaint:
I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX , XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?

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 2020-06-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to refinance primary mortgage. We have requested demands on at least seven different occasions and the servicing company will not send a demand therefore I can not refinance to a lower interest rate I am near my the end of my rate lock. I need assistance getting the demand from the servicer, I have tried elevated requests to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10

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 2020-09-16
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My Eppicard, daughters child support, number was stolen without my knowledge AGAIN!! The cards were in my wallet both time. This time I was told that I am unable to get my money back. However I did some digging and actually found the name of the guy who took it! This is happening to so many people that is ridiculous. If you read this website you can read what they are doing to people. https : //www.eppicardhelp.com/eppicard-customer-service-live-person/ That is just a little bit of what we go through just to get child support. I will attach prove and what they told me as a response to me. I feel there is an inside job at Eppicard giving out numbers of vulnerable consumers. 
On XX/XX/2020 my card was used at XXXX XXXX XXXX for {$540.00}. On XX/XX/2020 {$27.00} was used to purchase at XXXX XXXX XXXX XXXX. And finally on XX/XX/2020 for {$100.00}, XX/XX/2020 for {$140.00} and on XX/XX/2020 for {$400.00} was used at XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Representative, I just cancelled my XXXX XXXX that was issued by Synchrony Bank. The reason is they blocked my access to their web site so I could not make online payments. They said they did this because I had a {$25.00} outstanding balance. It is my belief that a credit card company who blocks their customers ' access to the website where they can make their payments is sleazy and has no integrity. Since XXXX made this card available to me and because the XXXX logo is on the card, I am changing my shopping habits. Until now, my first option for online shopping is to go to XXXX and pay with XXXX. From now on, all of my online shopping will start with XXXX and continue with other online businesses. XXXX and XXXX are now my last resort. I will only look for items to purchase on XXXX if I can not find them somewhere else. 

Sincerely, 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 2019-01-22
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Nelnet took over my loan in XXXX. I paid monthly until the end of XXXX. I was on Income Based Repayment. Anything after 25 years is forgiven. At the end of XXXX my loan payment went from {$200.00} a month to {$400.00} a month. I called Nelnet and told them I could not afford that monthly payment. I told them I could pay the $ XXXX monthly and they told me that was unacceptable. I would need to fill out new paperwork and instructed me to fill out more financial information on their website. I did this and on their website, it told me my " expected payment '' was around {$190.00} based on the answers to their questions, however, this could not be done on the internet and their website instructed me to call them back. At the same time I requested additional information ; a copy of my master promissory note, documentation for a " pay-off '' amount of my loan, and a statement of my account for the length of the loan. Only the copy of the note was provided, nothing else. Meanwhile, I went back and forth with Nelnet for the next 2 years, including up to 12 phone calls and emails. Nelnet finally defaulted me to the Dept of Education. I explained this to the Dept of Education, they noted it and sent me paperwork for a review ( they had also added $ XXXX to my loan amount ). Before I could send my paperwork back in the Dept of Education sent me to collections, who added another $ XXXX to my loan, increasing it $ XXXX in a matter of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: AES/PHEAA
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: Account status incorrect

Complaint:
See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Credit Inquiry from XXXX made with no consent or authorization by me in and around the dates of XX/XX/XXXX or XX/XX/XXXX. 

I contacted TransUnion who provide a credit alert service through XXXX who advised me that I would need to provide written letter to dispute the inquiry and this information would not be shared with XXXX  and XXXX. In addition, a letter would need to come from XXXX as well, but XXXX advised me that they do not perform this service and I would need to file a complaint through this agency.

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 2018-06-07
Company: Navient Solutions, LLC.
State: TN
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:
I mailed in a dispute letter to all 3 credit bureaus for Department of Ed/Navient to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead Navient has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. Navient took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of navient verifying the account all they did was add late payments and ruin my score more!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX  is continuing to report a late in XX/XX/2014, this account has never been late.

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 2018-10-11
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a check from my insurance company made payable to me and the mortgage company, SunTrust. SunTrust kept the check and has been making it extremely difficult to get the repairs done on my house. At the beginning they would not approve any of the contractors I hired. They finally released some of the funds when i submitted paid receipts. On XX/XX/2018, I submitted paid receipts for my deck in the amount of {$5800.00} and the door for {$440.00}. I sent in a letter requesting that I be repaid this amount. I have called in shortly thereafter requesting an update on the disbursement of funds and was told that I would have to get an exemption to be paid. I was told by Suntrust that I had to have an inspection before they would release the funds. I told them it was not ready for an inspection yet, that I was not asking for the release of all of the funds, but the funds for which I remitted paid receipts for. I have called nearly daily and keep getting the run around from them. As of today I was told that another exemption would have to be filed before the funds could be released which would take at least another 5 business days to approve and then IF approved then another 3-5 days to remit the check. I have not had the work done yet because I don't have {$5000.00} to cover the check I wrote the contractor for the repairs. He is holding the check until I receive the funds to cover it. They have constantly and consistently delayed the work being done on my house and I just want my house fixed.

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 2020-01-30
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Gentlemen, My name is XXXX XXXX. I settled my account ( Discover Credit Card ) with a Debt Collector. Discover chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with Discover and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: DISCOVER BANK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Discover, the company managing my student loan have raised interest rates from 2 percent to 5 percent, informing that my repayment period ( monthly have increased ) and that now I have 25 payments left. 

First information was this loan will be paid on XX/XX/XXXX, then XX/XX/XXXX and now info says I have 25 payments left. 

I need transparency regarding my loan balances, informing in a detailed way why they have increased interest rates so many times and why the have increased my payments period.

Company response to consumer: Closed with non-monetary relief