BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received my annual credit reports from the XXXX reporting agencies, XXXX, Equifax, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: RGS Financial, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As of XX/XX/2019, RGS Financial has contacted me 11 times during the month of XXXX   using an autodialer. Dates and times are as follows : XX/XX/2019 - XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX   XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
i believe in XX/XX/2019, the federal reserve lowered interest rates. my loan is a variable rate home equity loan. i checked my XX/XX/XXXX statement and they did not lower my interest rate so i called them and they told me it would take a month before it is lowered, i asked to speak to a superior to find out why and was put on hold for 15min and they hung up on me. so i waited for the XX/XX/XXXX statement and the rates have still not been lowered. i called them again and got the same story except it takes two months before it gets lowered i asked to speak to a superior wait 20min and they hung up again. so now im contacting you. by the way when rates go up it seems to affect my rates immediately no months of delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Navient Solutions, LLC.
State: MD
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 filed a previous complaint XXXX # XXXX XXXX. The essence of the complaint was that Navient issued a negative report against me to credit reporting agencies based on a payment default on a student loan on which I was the co-signor WITHOUT GIVING ME PRIOR NOTICE THAT THE LOAN WAS IN DEFAULT. In its response, Navient provided me with a copies of the promissory note in question ( Note ) and Navients written notices of default. Navients contention is that my contact information had not been updated, thus making it impossible for Navient to have notified me of the default. To the contrary, both my cell phone number ( XXXX ) and office email address ( XXXX ) are provided on the first page of the Note. This contact information remains correct to this date. Had Navient exercised even a modicum of diligence, it could have notified me of the default using either cell phone or email contact information, prior to Issuing its damaging credit report. It did neither. Moreover, the address that appears on Navients notices of default ( XXXX XXXX XXXX, XXXX, ME ) has not been my address since 1974, when I was a student at the XXXX  XXXX XXXX XXXX. This address does not appear on the Note and it is a mystery to me how Navient decided to send notices to this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I was a customer of XXXX from XX/XX/XXXX- XX/XX/XXXX called advised I would be getting another carrier asked my name and number be removed from the bill my contract expired. My daughter remained a XXXX subscriber they removed my phone number from the bill but left the account in my name when I called they informed me the account had been changed over. Although I did not receive any more bills they failed to put the account in her name. I have proof that I was a subscriber with XXXX in XX/XX/XXXX same phone number and now XXXX for over a year the same phone number. I provided a notarized statement as proof the bill is not mine, called the company ( XXXX ) asked them to send me a copy of the contract because I have not signed a contract with them in years no phone contract last forever. XXXX refused to correct this error sent me a form to complete wanting me to charge my daughter with fraud when it was their error for not changing the bill and address into her name, they sent bills to an old address they had on file. At any rate it has runied my credit my mortgage loan through the bank was disapproved for the recent collection on my credit report, I retired in XX/XX/XXXX no bills have come to me. I have made numerous attempts to resolve this issue with them they simply remove it from one credit report to another with a different collection agency. I want this removed from my credit record entirely because my husband has passed I need my credit to remain in tact to but a home based on my income it can not happen with this debt which does not belong to me binding every step I try to take. The collection is now with XXXX XXXX, and was being carried by a company called XXXX. The collection agencies should be held accountable for ruining your credit without performing an investigation. I am asking them to produce a contract bearing my signature after the 2 year contract period as proof. The people at XXXX are rude I have names of those I have spoken to supposedly in their corporate office. Please help resolve this complaint I need clsoure to move on and clear my name. 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 explanation
Consumer complaint received 2020-02-13
Company: NRA Group, LLC
State: DC
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:
Yesterday XX/XX/XXXX I flied a complaint with your bureau for the second time against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX, XXXX  & XXXX credit report in which they claim I owe directly to them on behalf of XXXX. XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group , LLC has received this complaint. As stated in the first CFPB complaint this account was reported to us as paid by the client on XX/XX/2020. It was updated to the credit bureaus on XX/XX/2020 as paid in full. It takes the credit bureaus 30-90 days to update and remove. If the consumer which to expedite this process he will have to contact them. However, National Recovery in both of my previous complaints continues to not honor my request in giving me a confirmation letter on their letter head stating that the account has been closed and they have sent a request to all three credit bureaus to remove this collection 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 explanation
Consumer complaint received 2019-10-07
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX Lanes - known as XXXX have repeatedly attempted to call me, sent me threatening letters and forced me to pay a fee for the XXXX account which I no longer have. They confirmed by email, and I had copies of the statement, showing that the " collection closed '' and that I have made and deactivated the account since XX/XX/2019 ( see copies enclosed ). 

Yet, I just now got a letter from their collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, stating that I owed {$80.00} as of XX/XX/2019 and that I need to make a payment within 30 days. 

Where does all of this ends? How can we allow these crooks to operate such way. Who regulates company like XXXX XXXX XXXX? How could collection agencies collect a " non-existing '' debt and threatened consumers? Are they using my information to intimidate and bullied me for other purposes?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Bank ( Lowe 's Credit Card ) is continually trying to collect payment on a disputed charge in the amount of {$440.00} which is currently under investigation. The item purchased was never received, which can be easily verified by contacting the merchant. They have not removed the charge from my bill despite multiple requests, and initially attempted to charge interest on the balance of that {$440.00}, after I had initiated the dispute. Fortunately, they removed this interest charge upon my complaint. They still have not suspended the disputed charge.

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 2019-10-07
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We been dealing with PNC mortgage/XXXX  XXXX XXXX XXXX  XXXX, for over 5 yrs, since XXXX, to try and resolve an issue with them sending back our payments in error in which they sent us a letter stating such mistake. These payments were sent back when they thought we had not made a full payment on a verbal repayment with them, when in reality the payment was a normal mortgage payment, while they had money in a suspense account to cover the rest of the mortgage payment if needed. They admitted their error, asked us to return the payments and when we sent the payments back to PNC, they were rejected again. We have never been approved for ANY other program with PNC to date XX/XX/XXXX. We make enough money and our debt ratio is lower then the threshold. The guidelines used for them are questionable. 
PNC bank and XXXX send false documents to homeowners only to lead to stealing your home right from under you. They also have very unscrupulous lawyers who do this. Their false documents, massive paperwork to prolong the process and the requesting of documents multiple times is ridiculous. 
PNC/XXXX  have not tried to work with us at all during the entire process. We have never had a loan modification nor any other type of program to help with mortgage. The investors are XXXX XXXX XXXX XXXX and they are the ones who do not authorize PNC to do any type of modification. We want to keep our home. We went to federal court with PNC in order to stop them from wrongfully foreclosing on our home, to no avail. The XXXX XXXX XXXX XXXX are the investors who do not offer any assistance whether it is legally supposed to or not. 
I am going to the press to let them know that PNC mortgage and XXXX XXXX XXXX XXXX are fraudulently taking people 's home without finding out the circumstances and not allowing for any type of modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We put a contract on a house XX/XX/XXXX. We were preapproved for a VA loan through Carrington Mortgage. From that date until XX/XX/XXXX, we went through all the steps required of a VA loan, including putting our current house on the market XX/XX/XXXX. The seller was also required to give notice for their tenant to vacate, and was forced to go through eviction proceedings, again because of VA requirements. Delays caused by eviction, which was only necessary for a VA loan, delayed our closing multiple times. 

Finally the loan went to underwriting and on XX/XX/XXXX we received a closing disclosure that showed what we would need to close with the VA, which was nearly $ 30K. Our loan officer told us that it was a mistake and we would get a correction. XX/XX/XXXX, nearly two weeks later, Carrington Mortgage notified us that we didn't qualify for a VA loan, and in fact never had qualified since the very beginning of this process. The reason we didn't qualify is because of a formula they should have used at the very beginning. When we contacted XXXX to ask about this, they knew this formula from the very first phone call, without seeing any details of our file. Our loan officer had become aware of this mistake on XX/XX/XXXX and tried to hide it/argue with the VA about it, when it was a formula he should have been aware of and was not subject to negotiation. This is GROSS NEGLIGENCE on the part of Carrington, and in fact neither or loan officer nor his boss was aware of of the formula even though it is clearly provided by the VA. They sent me a copy of the examples provided by the VA. 

On XX/XX/XXXX we were told that we had a week to come up with a 3 % down payment, and our only option in that short amount of time was an IRA loan. Then Carrington continued to make mistakes that further delayed closing and increased our closing costs/down payment. We found out our final down payment amount, which was {$2000.00} more than what we were told on XX/XX/XXXX, and we did not close until XX/XX/XXXX. Our original closing date had been XX/XX/XXXX, and we could have closed then with a conventional loan. Also, all these delays, again 100 % due to the loan officer 's lack of education on the product, caused them to restart our file, and in the process they have placed 2 hard inquiries on our credit. 

Because Carrington went on to cause 10 more weeks of delays after we were forced to list our house on XX/XX/XXXX, we now have a stagnant listing and have been forced to drop the price more than {$11000.00} even though nothing is wrong with the house. Had the house sold when we listed it, we would have incurred thousands of dollars in costs for housing before we could close. Carrington Mortgage should not be allowed to process VA loans when their loan officers are clearly not educated in the requirements and qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, 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:
I have contacted this company many times to remove all hard inquires because they do not belong to me. their customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX We closed our account with XXXX in XXXX and moved our money to Huntington in XXXX . Then on XX/XX/XXXX we closed our account with XXXX XXXX   in XXXX and also put those funds into Huntington for a much higher interest rate that XXXX gave us. We had 2 % for 1 year if I stayed at XXXX and 1.5 % for 1 year at XXXX XXXX. It made total sense to leave the other banks based on the amount of money we had to deposit. We were told that our rate would be 2.5 % for XXXX year in this money market fund including any other deposits made during that year such as my Social Security checks. I worked with the manager of the  XXXX Huntington, XXXX XXXX. 
Approximately two months ago we noticed that our interest rate had dropped to .5 %. which had been going on for two months prior to us noticing. 
I called XXXX XXXX numerous times and also visited twice. His response left me feeling positive that they were going to fix the problem. XXXX told me for the last two weeks that it will be taken care of by Friday of those weeks. It did not happen. I then tracked down his district manager XXXX XXXX who XXXX said he was working with on this problem. I was told on Monday XX/XX/XXXX by XXXX that the 2.5 % promotion was on the cusp and this special promotion was no longer in effect and only good for 6 months and not 12. She stated that it had been turned over to another department for review. I asked XXXX to check with them and call me back that day. She did not call. I called her back the next day and left a message. No call back. I have my doubts that anyone is working on it. If they were, I can not accept that they have been for 2 months. It should not take 2 months to fix what I was told. I have plenty of proof that I was told I was getting 2.5 % for one year. 
As a side note, We have been doing business with Huntington including our company business checking and escrow accounts since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-01
Company: Midwest Recovery Systems
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2017 Midwest Recovery appered on my credit reports with an amount of {$400.00}. I have NEVER been notified by this company informing my I owe this debt. On XX/XX/2017 I sent a letter asking for verification of this debt they say i owe. I have never recieved anything. Not even a phone call. I called the original creditor of this debt and they have no knowledge of this debt in their systems. They said i didnt owe that debt. I would like for this to be off my credit as I believe Midwest is scamming people out of money. They have broke the law with not verifying this debt and by not contacting me before placing this on my report. I have never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have perfect credit history and have never been default on any bills, mortgage or credit card payments until Ditech ruined my credit by changing my monthly mortgage payment amount starting XXXX XXXX which caused my usual payment to be {$45.00} short in XXXX. Ditech then held my regular mortgage payment of {$1100.00} as unapplied fund and charge me late fees without proper notice me in time to prevent late payment. <P/>I made extra payment immediately after I realized the payment change in early XXXX. But I was still flooded with collection calls and foreclosure and homeowner assistance letters. <P/>I was treated with no respect in most phone calls even thought I explained the situation and the fact that Ditech failed to properly inform me about the payment change prior and after the usual payment were made in XXXX. I found other good paying customers have similar complaints online ( XXXX XXXX XXXX ). <P/>A supervisor at Ditech customer service even firmly deny my right of dispute and told me it is no use at all to file a dispute. I feel I have no options but to log this complain with CFPB. Please help to address this concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I refinanced my student loans with Nelnet. They keep asking me to go into forbearance when I have trouble getting work. 
My direct consolidated loans are = {$68000.00} Direct Subsidized A {$32000.00} and B {$35000.00}. 

Part of my now {$81000.00} loan has become so high with {$11000.00} in capitalized interest and {$1100.00} in accrued interest amounting to {$12000.00} in total interest is triple the amount of interest I should have paid on loans with a 6.25 % interest rate, which should have been only {$4200.00}. 

Nelnet told me there 's no way to stop paying such high interest and the interest is at least {$400.00} per month alone. I feel underwater and trapped with the amount the loan keeps climbing and need help.

Company response to consumer: Closed with explanation