BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: LEXISNEXIS
State: MI
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 filed my complaint and lexisNexis wanted me to send in a copy of my driver license and a bill and I did and I got a letter stating they are unable to verify my identity. I am sending a copy again for the 2nd time. 


I have several fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Since XXXX  I have sent multiple letters to the credit bureaus and companies and yet no one has corrected their errors. Could you please please please investigate into this matter further. I have proof of everything. They are breaking 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 2018-04-20
Company: Experian Information Solutions Inc.
State: CA
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:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

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 2020-07-24
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, In XXXX of XXXX, I wsa laid off due to COVID-19 epidemic. I called in to Homebridge Financial and was placed on a forbearance due to what occurred. In XX/XX/XXXX, I called back in to Homebridge in  order to see what my options were to catch up on my mortgage as i found employment again, I was told to the forbearance would be extended until end of XXXX so I can have time to get some paystubs in for review. In XXXX, I called in multiple times and was told just to send in financial documents to be reviewed for options. Also in XXXX, i read online that FHA had a program that specifically helped homeowners who were affected by COVID. This program is called a partial claim. I was not informed by anyone at the company, only from someone I knew and because I looked at the program online. I have called multiple times in the month of XXXX and the only thing I was informed of was a modification review when I asked about assistance. I finally got a hold of a young man on XX/XX/XXXX with whom I had to ask about the partial claim and he took his time and helped to submit this for me. He specifically said to me the review would take 3-5 business days and I would get a letter in the mail. 

I have called two more times to the company and no one seems to know what is going on. I asked about the review and I have been told different time frames each time and that the department is backed up and give them more time. i even spoke with a young lady on XX/XX/XXXX and asked about the review. I told her my main concern is that the forbearance is ending and I still don't know what the next steps are. She told me not to worry and it was going to be okay. 

My biggest concern here is the lack of knowledge by each representative that I have spoken to. The timeline before the forbearance is ending is being cut each day and we don't have an answer. I have no faith in this process as no one knows what the other person says or what is going on. There is no consistency. I don't even have a single point of contact to speak with in order to know what all my options are. I would like a clear understanding of what is going on and what are my options in order to try and stay in my home. The level of service I have experienced with Homebridge has been horrible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: SUNRISE CREDIT SERVICES, INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Consumer does not owe a debt. Consumer is formally notifying debt collector ( Sunrise Credit Services , Inc. ) of legal reason 's why consumer has rights to dispute debt and refuse to pay a debt consumer does not owe. ( 1 ). Consumer has no fiduciary or contractual obligation to a third party debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies, junk debt buyers ( JDB ) or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. ( 2 ). Consumers sole income is Social Security income which is federally protected income under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a copy of consumers Social Security Award letter as proof positive protected income. Please be advised : Under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) which states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not a consumer does not have the authority to authorize garnishment of a federally protected account. Under Nebraska Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. ( 3 ). Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this formal notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process that can garner monetary retribution for consumer. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics. Furthermore, a federal ( and civil ) lawsuit will ensue if consumers Social Security income is tampered with after receipt of this formal notice. Consumer thanks the CFPB for all it does to mediate and protect the rights of Consumer 's in this venue. Consumer will NOT respond to any ( PERSONAL ) emails from representatives of Sunrise Credit Services , Inc., sent to consumer beyond the " CFPB consumer portal '' ... ... due to a personal email provided in this venue.

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 2022-03-29
Company: KEYCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Traditional 15 yr fixed home mortgage with Key Bank The payments for the same have been made for the past few years and set up as an automatic payment via XXXX XXXX XXXX XXXX. 
These payments have been made on a timely manner every month to Key Bank I am in the market for seeking a home loan for a new home purchase. During this process I spoke with mortgage brokers and on XX/XX/2022 was offered a rate of 3.0 % by XXXX XXXX. During their process they informed me that my credit score was low due to non payment of a Key bank payment for XXXX. I went to the local XXXX branch the next day where I was informed that my mortgage rates had changed due to tax increase by $ XXXX. There was s shortcoming as my account was on autopay and they would attempt to resolve it. This matter was discussed at the local branch, with Key Private Bank, with Key Mortgage and all agreed that this issue should be resolved. In addition Key Bank had an incorrect telephone number as well as no email address to contact me. The remaining downside in payments was made, the autopay amount corrected and submitted.

The concern I currently have is that Key bank refuses to withdraw their report to the credit agencies. No attempts apart from the monthly account statements were made to notify me of the a ) Change in amount, b ) The shortfall in payment or c ) The intention to report this to the credit agencies. 
Further after I had started conversation with various departments in Key Bank I start getting certified letter regarding non payment and potential foreclosure clearly an attempt by them to show that they are doing the " right thing ''. 
The bank and its representatives did not have an answer when I queried why a certified letter had not been sent previously. They further mentioned that they have glitches in their internal system and my email which is available to them as I am a business banking customer was not visible on the home side. Even after I updated my information, I was old that they were unable to reach me for a follow up call and when queried they confirmed they had called the old defunct number. 
The banks process has 1 ) Multiple internal issues with poor communication and updating information on their system 2 ) the bank failed to contact me appropriately regarding a payment change 3 ) The bank failed to reach out to me regarding a payment shortfall 4 ) The bank failed to notify me regarding a pending negative report to the credit agencies and finally 5 ) The bank has failed to provide me a documentation of what has transpired over the past 3 weeks. 
The bank employees I have spoken to are but not limited to XXXX XXXX XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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:
I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: EQUIFAX, INC.
State: NC
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:
XXXX Submitted investigation on XX/XX/2018 with the above complaint number XXXX. It has not been resolved. The credit bureau is taking longer than 30 days to resolve this issue. It is now XXXX, XXXX without any additional information from Equifax other than they are investigating this. The time has passed for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In early XX/XX/2019 I was booking airline tickets to visit my dad in a XXXX home in NJ, I live in CA. There was a promotion on the travel website offering an immediate discount on the ticket and waived bag fees if I opened and paid for the ticket with a Bank of America charge card. I followed all directions and when it came for the decision of granting the account, Bank of America could not at the moment. I ended up using a different charge card and received no discount. I received a letter from BOA with a phone number to call. I did so. The call lasted 30 seconds. They just wanted to confirm my address. Ridiculous. They ultimately sent the charge card in the mail. I opened up the envelope and read through the initial tri fold which contained the card. There was no mention of an annual fee. I never called to activate the card. I was not happy with the process. I never used the card. Still attached to paper. Anyway, it has come to my attention that BOA did charge me a {$75.00} annual fee for a card I never activated, used, or received any benefit from. In addition, apparently I have been two months past due on the annual fee I never knew I would incur. My credit score has sunken 81 points. I pay all my bills on time. I called over to BOA today to get this straightened out. I spent 47 minutes on the phone only not to get a decision or assurances that my concerns of credit reporting would be addressed. 
I looked at the documents that came with a card from XXXX XXXX, prominently and intelligently placed was an explanation of fees, including listing the annual fee ( there was none ). I went through the BOA envelope. This time carefully. On page 7 of the " Agreement '' packet, BOA lists the annual fee in not too shocking, same font as everything else. It is not prominent. The fee is not listed anywhere else in the packet of information accompanying the actual charge card. I feel BOA has purposefully obfuscated pertinent facts. How come XXXX can be upfront in how it presents important information? And yet BOA, which is a massive bank, surely knows the benefit of hiding a deal breaking annual fee. On face it makes the card look better when the fee is hidden. I want BOA to cancel all charges on the account. I want BOA to be responsible for the negative impact on hard worked credit score. I want them to pay me for the aggravation, the higher costs of borrowing due to their erroneous reporting. I want BOA to issue an apology and change their deceptive practices.

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 2019-02-02
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Scam collections is reporting two accounts on my credit report one for a  XXXX balance and one for XXXX. I have not received information from them reguarding the balances owed and even after trying to pay just to have it cleared off of my report SCA Collections refused to remove the paid balance and is still Showing XXXX on my credit report. I do not believe these bills to be accurate or factual and have received no Information from SCA to prove they are. Please delete both accounts 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 2021-03-30
Company: RentDebt Automated Collections, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Rent Debt Automated Collections ( RDAC ) located at XXXX XXXX XXXX XXXX, TN XXXX called me on XX/XX/XXXX stating I owed XXXX dollars for rent from The XXXX XXXX XXXX  in XXXX NY XXXX XXXX XXXX, XXXX, NY XXXX. 

I moved out of that apartment in XX/XX/XXXX. I was told i could move out and they kept my deposit. They never once called me or emailed me about this debt. 

RDAC did not give me a letter of debt notice. They just posted this debt to my credit report companies and then when I went to rent an apartment in XXXX DC, I was declined because of RDAC derogatory credit notice on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Social Security card was activated and charges were put on the card before I could cancel the card by XXXX am on the second Wednesday of XXXX my check was gone except a few dollars. 
The charges were made at XXXX XXXX the store stated debit XXXX would have to contact them are the police department no one ever checked from the XXXX XXXX ever checked are followed up. They have said they would contact me I never receive the letters but they never send out letters and they have not put the money back. They have never contacted the store for videos. Then the last time I called they stated the claim was closed. I am going to call everyone because they did not try to investigate the theft of my Social Security Check from debit XXXX. XXXX XXXX, SS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2019-02-02
Company: Navient Solutions, LLC.
State: TN
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:
My loan is a parent plus loan with Navient. Loan # XXXX. The loan was originally consolodated for 30 years. I asked Navient to refinance for a shorter period of time and they told me I couldn't. Additionally I've noticed throughout the loan that they keep adding a thing called " capitalized '' interest. Nobody has been able to explain to me what that means. They are adding interest to my loan on a daily basis and periodically adding lump sum interest amounts to the loan. I've been paying on the loan for 2.5 years and my loan amount has gone up instead of down. 
I applied through student loan.gov to refinance the loan and change service companies. Navient blocked by ability to go with another service company. I had chosen XXXX. Instead they changed my loan to a 12 year payback. I had requested a 10 year payback with XXXX. I'm attaching the document so you can see how my loan terms have changed in just the last 30 days. Additionally on XXXX XXXX it showed my unpaid interest was {$480.00}. I made a payment of {$490.00} thinking they would finally apply a partial payment to the principle. The next day they added {$3800.00} in " capitalized '' interest therefore negating any money being applied to the principle. As of now I have not had {$1.00} applied to principle in 2.5 years. 
I called Navient and asked for an audit of my account with a printout of my accumulated interest for 2 years. I told them I did not want a generic letter. I did not get the audit and instead got a generic letter advising how they calculate interest on a loan.

Company response to consumer: Closed with explanation