BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a consolidation loan with XXXX XXXX in XXXX of 2000. The original amount of the loan was {$74000.00}. 

With the exception of two periods of forebearance when I was on XXXX XXXX, I have made payments ranging from $ 500- {$600.00} per month for 18 years. This is the amount required under my payment plan. 

The loan is currently managed by Navient. 

My current balance is {$65000.00}. 

I previously complained that my payments are not being correctly applied to my principal balance. The amount that is applied to my principal balance month to month varies, even though my payments are the same each month. 

I feel they have incorrectly applied my payments over the years and that is why my principal balance is still high after 18 years. 

I would like an independent audit to be done on my account from someone other than Navient and/or XXXX XXXX to ensure that XXXX payments were applied correctly and if not, I would like the balance to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
On XX/XX/XXXX I reached out to SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize this, I've sent letters as well as called the company multiple times about it and i get hung up on. im highly upset that the pulled my credit without my authorization on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1. As of to date, Navy Federal refuses to reimburse me for the amount of XXXX XXXX XXXX and XXXX XXXX XXXX   ( {$29.00} ) 2. On XX/XX/XXXX, I went to XXXX seeking to return a television I purchased from XXXX ( Order No. XXXX ; PO No. XXXX ). 
3. I informed Navy Federal employees during a phone conversation that on XX/XX/XXXX, a female XXXX   employee, DID DEDUCT/TRANSACT the above amount from my Navy Federal debit card number XXXX 4. Navy Federal employees are not resolving my concern. 
5. On XX/XX/XXXX, they even received my correspondence sent USPS certified mail return receipt addressing this transaction. ( # XXXX XXXX XXXX XXXX XXXX ) THEY NEVER RESPONDED! 
6. And so, I submit my complaint against this financial institution for failing to refund my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Premier Student Loan Center
State: MI
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 was enrolled by Premier Student Loan Center in XXXX of XXXX. I made 6 payments of {$230.00} to the company for assistance and then my payments would begin in XX/XX/XXXX for $ XXXX/month. They took my loan and enrolled me in XXXX by using false information to lower my payment. I just learned of this as my next payment due is over {$1000.00}!!! The company is now closed yet {$32.00} each month is still being taken from my bank account.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-20
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
U.S. Bank Reliacard has yet to solve my dispute nor have they issued the provisional credit I was told I would receive. XX/XX/2020 I called and disputed fraudulent charges on my account. I was sent a dispute form to fill out and either fax or mail back within 10 business days which I did on XX/XX/2020 and I havent heard anything back yet. The dispute form states that a credit will be issued when they receive it back. I called about 7 times since then and every rep I spoke to acted like they didnt know anything. The last rep I spoke to just said I dont know it takes time. Its annoying and unprofessional.

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 2020-09-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/20 The checking account was opened via First Citizens website with a promotional offer of {$300.00}. Very easy terms and conditions to follow, simply use the debit card 10 times within 90 days OR Deposits of {$1000.00}. I have without a shadow of a doubt completed BOTH of the options even though I was presented with an OR option. This bank has not paid me the {$300.00} even though I used my debit card 23 times within 90 days and did my deposits even though they were not a requirement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Roundpoint Mortgage Servicing Cooperation. My mortgage has an escrow for payment of taxes and insurance. On XX/XX/XXXX, I received a notice from my insurance carrier that my property insurance policy had lapsed due to non payment. The payment was due onXX/XX/XXXX ( the effective date of the policy ). The notice from the insurance company also said the policy would not be re-instated if the payment was not received by XX/XX/. I immediately called Roundpoint Mortgage on the morning of XX/XX/XXXX and basically got the runaround. While they admitted that they did not pay my insurance bill from my escrow account, they said they could not tell me why. They said they would need to call my insurance agent and I would have to call back to get an update. They were unwilling to call me to give me an update. After about 30 minutes on the phone with Roundpoint, the agent disconnected me ( hung up on me ). 

I called back about an hour later and got an another agent and had to start over on my problems. Apparently no notes were placed on my file by the first agent I talked to. This time I was on the phone for over an hour. Again, with no resolution or satisfaction. They said it generally takes 3 - 5 business days to get a payment out, but they had to depend on the insurance department for this. I told them that the payment need to be overnighted that day since the notice said the policy would not be re-instated in the payment was not received by XX/XX/XXXX. I was again told their normal policy is the get the payment out in 3 - 5 days. I told them was unacceptable since this was their error and my home current has no insurance. 
The attitude toward my problem was totally unacceptable and there was no sense of urgency in getting it taken care of. Isn't it illegal for this mortgage company to hold funds in my escrow account and not pay my insurance? When I got the mortgage I was required to have an escrow, yet this company is not required to pay my insurance out of my escrow account? Totally unacceptable! And no sense or urgency in getting it resolved. And no explanation about why it happened.

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 2018-03-30
Company: Experian Information Solutions Inc.
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:
i paid off a mortgage at bank, i received a satisfaction of mortgage, the account shows past due on my reports i have downloaded the satisfaction to the credit agency 's, they do an investigation, they remove the item from my file, then within 1 week its back on my report, this has happened many times over the past 12 months, my credit score bounces XXXX to XXXX points each time, i spoke with experion last on XX/XX/2018, she read the documents that she had on file from the latest dispute and told me the bank who the paid account was with ( XXXX XXXX XXXX XXXX  mn. ) did not respond within the 30 day window so they deleted the account, but then XXXX XXXX responded late and it was back on my report. 

please note the account number on the bottom of the satisfaction document, that is the same as the account number on my credit file. please read the document it is very clear this account is paid in full.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is continuing to report a debt as verified. This debt is an open fraud case with law enforcement and open case with nys public service commission ( as regulatory agency for original creditor XXXX ). This has been deleted off of transunion and XXXX. Experian keeps reporting information that is identity theft. 
Alleged debt is : XXXX XXXX XXXX. 
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 non-monetary relief
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: IN
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:
Experian XXXXXXXX XXXX XXXX  All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN.

All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information.

Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.

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 2018-10-03
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I observed that there were unauthorized charges on my account XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX {$500.00} XX/XX/XXXX XXXX # XXXX XXXX MN XXXX {$500.00} I have not been credited for those charges and there is also a interest charge that I was charged for as a result of those unauthorized charges. 
XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$810.00}

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 2020-12-02
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: Investigation took more than 30 days

Complaint:
For : XXXX, Transunion, XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX, GA XXXX < -- -- ADDRESSES NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Balance {$16000.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$14000.00} Account Status CHARGE-OFF XXXX XXXX XXXX XXXX Balance {$760.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$760.00} Account Status < -- - ALL ACCOUNTS ARE NOT MINE. FCRA violation. Failure of 45 days to settle.

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 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My Mother had a boyfriend who exhausted her finances while she  was suffering from XXXX. After funds were exhausted the boyfriend manipulated her into getting a home equity line of credit for {$100000.00} on XX/XX/XXXX. Knowing she was suffering from XXXX he convinced her to be a co-borrower on this loan without having any interest in the property and not being married. We tried multiple times to get her medical help for XXXX and he would not let us intervene. Bank of America allowed this loan to happen. We tried to freeze this account many times after her death which was XX/XX/XXXX, without any cooperation from Bank of America. I am the Trustee of this property and XXXX of Attorney and have been since my Mother could not make decisions and was diagnosed with  XXXX. The boyfriend is wanting to increase the home equity line after her death when the account should be frozen. Bank of America sent a letter currently saying they are researching a recent home loan increase request. XXXX XX/XX/XXXX, and wanting 15 business days for a response. We have tried multiple times to contact Bank of America to stop this fraud after providing the death certificate and trust information showing he has no interest in the property. We are trying to stop any additional fraud. We the Trustee have been making the payments on this loan and the boyfriend has not been paying. In addition to this complaint, how did Bank of America allow my Mother and the Trustee to be removed from the loan when it is attached to the property and the boyfriend has no interest and he is the only remaining party on the account??

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 2020-09-08
Company: EQUIFAX, INC.
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 have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to XXXX, Equifax, and XXXX they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Yes I call the credit breau and disputed this account multiple times I even contacted the creditor with the situation and nothing been done at all

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.

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 2020-05-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had an XXXX XXXX store card, and entered a payment installment plan with Synchrony Financial and closed the account in XX/XX/XXXX. The arrangement was for 0 % interest. Ive been making payments as agreed since XXXX and have not been late since I started the payment arrangement. Fast forward to XX/XX/XXXX, and I was charge $ XXXX in interest. I emailed customer service and the representative said that they charged me interest because the promotional period had ended, but I was told that I would not be charged any interest at all and would be paying off the credit card balance at 0 % interest. Why are they charging interest when they agreed not to charge interest back in XX/XX/XXXX when I began the payment arrangement?

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 2021-08-11
Company: Duvera Billing Services, LLC
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: Account information incorrect

Complaint:
THE TWO ACCOUNTS " DUVERA/XXXX XXXX '' ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I PAID BOTH OFF IN FULL BACK IN XXXX. THE ACCOUNT IS STILL REPORTING NEGATIVE WITH A BALANCE ON MY CREDIT. I HAVE ATTACHED PROOF OF IDENTIFICATION, A CONFIRMATION EMAIL OF PAYMENT I MADE TO THEM AND A COPY OF MY BANK STATEMENT SHOWING THE CHARGES AFTER THEY TOOK THE MONEY OUT OF MY ACCOUNT. THIS IS A VIOLATION TO MY FCRA RIGHTS. THESE TWO ACCOUNTS NEED TO BE DELETED FROM MY CREDIT ASAP!! THEY HAVE BEEN INACCURATELY REPORTING FOR ALMOST 2 YEARS NOW IF NOT MORE. I ALSO ATTACHED A SCREENSHOT OF THE ACCOUNT AS SHOWN ON MY CREDIT REPORT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company XXXX XXXX XXXX XXXX XXXX ) advised me I would be able to break my lease without penalty. They submitted false documents with the incorrect move out date, false apartment damages, and it has wrongfully affected my credit. 
I was told I would be able to pay an extra month and would not get my deposit back due to me breaking my lease. The apartment 's corporate office will not return phone calls after about 6 months of calls/voicemails. When I contact the apartment complex the manager response to my concerns by saying " I could tell you something but the computer will do other options ''. I moved out XX/XX/2018 and never received any notice until XX/XX/2018, which was a collection notice from a law firm. 
This is not fair to me and wrongfully affects my credit. I would like for this to removed from my collections. 
There is an influx of fraud from apartment complexes going on in XXXX now. I do not want to be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have an AES loan. It was on hold w the pandemic. I have reached out ove rthe last year to see when I would need to start repaying and I can not get an answer. I am abroad, their website is blocked here. When I email the company, they email me back through the website and I can't access their response. I have tried to call but the wait times are so long I literally have run out of {$50.00} credit on just wait times about four times. I filed with the XXXX  but they couldnt help me. I need the company to actually talk to me and let me know when I need to make payments and how to adjust them based on my income. This is crazy how difficult they make this.

Company response to consumer: Closed with non-monetary relief