BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: AES/PHEAA
State: TX
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:
In XX/XX/2018 I sent in paperwork to recertify my IBR Payment Plan. 
In XX/XX/2018 I was rejected because my income had risen too high. 
In XX/XX/2018 I resubmitted for a new payment plan that I did qualify for ( ICR ). 
In XX/XX/2018 they charged me with {$4000.00} worth of interest capitalization because I changed plan types. 

I changed plan types because I had NO CHOICE. Also the process to getting there was driven by what I was told and advised at FedLoan Servicing. They are essentially penalizing me for being forced to change plans and for being more successful? It is WRONG. That should NOT happen. I pay my loans on time and consistently. There is no reason I should be penalized with {$4000.00} of interest for a choice out of my hands and because I have worked hard to make more money so I can build a life and have a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/20 there was a XXXX purchase of {$19.00} to my card ending in XXXX, which I didn't make and I reported this to Capital One fraud department. They reversed the charge and ordered me a new card. 

On about XX/XX/20 there was a XXXX  purchase of {$44.00} to my new card ending in XXXX which I didn't make and I reported this to Capital One fraud department. Keep in mind that this happened while I was waiting for the new card to arrive. They reversed the charge and ordered me a new card. 

On XX/XX/20 there was yet another attempt to make a XXXX   purchase of {$9.00} to my card ending in XXXX. I reported this to Capital One fraud department. I am starting to feel that Capital One or someone affiliated with Capital is giving my my personal information out. I don't feel that my personal information is safe at all. I am not a XXXX  customer which is why I feel my information is being sold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XXXX has alerted me that PNC bank is no longer working with XXXX. This is extremely inconvenient and I will highly consider switching to a different bank. As a XXXX  in XXXX  school I use XXXX to pay my rent, buy textbooks, send money to my XXXX  cohort for programs etc. What is already a difficult time in America, you have intensified it. XXXX was great because you did not need to meet in person to exchange cash or go to a bank and risk the chance of catching Covid-19. Your actions as a bank are confusing. Please get your bank back on the XXXX platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/2020 I requested to set up recurring payments on account ending XXXX. Bank of America cancelled my payments on all of the credit cards that I have with them because a {$2.00} payment that was refund on a different credit card. They have no right to cancel my automated payments and not sent a notification by mail that they were going to do that. Customer services never explained to me on any of my conversations with them on XX/XX/2020 and XX/XX/2020 that they have a policy that if you have a payment return on any credit card they would cancel your online payment accessibility on all of the bank America accounts which I find this arbitrary because they should not be mixing payments with the different credit cards. Each account should be handle separate. Today they said that since is not a bank error they would not refund the {$39.00} late fee charge on XX/XX/2020. Even though they cause the fee because they cancel my recurrent payment without notifying me. Please assist me with this matter. thank you

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 2020-02-14
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 was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX  XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX  XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX/XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}

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 2017-11-14
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. System Inc. is trying to collect the amount of {$320.00} dollars for services that I never receive from XXXX XXXX. I got in contact with XXXX XXXX on XXXX XXXX 2017 and they suggest me to email the XXXX XXXX XXXX in order to fix my problem. He never respond to my email or call me back ( Please see attachment with a copy of the email )

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 2019-11-04
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with CashCall Mortgage in XX/XX/2019. They transferred loan servicing to XXXX effective with the first payment on XX/XX/2019. I set up autodraft for the payment, and the first payment was successful. Two weeks later I received notice that the loan had been sold to XXXX, and the servicing was now being transferred to XXXX XXXX   where I also set up a new autodraft. The notification from XXXX states in bold letters across the top : No action is required on your part. 

On XX/XX/2019, the prior servicer, XXXX, pulled a payment in the amount of {$3300.00} for a loan they no longer held servicing rights to. On XX/XX/2019, XXXX pulled their regularly scheduled payment as they now hold servicing rights to the loan. 

I contacted XXXX, authenticated in the IVR, opted to speak to an agent ( who required full authentication AGAIN with the same information! ), shared the information above and asked how this would be resolved. He said that since this was no longer showing as an active loan in the system, he had no information including the payment drawn on XXXX XXXX. He recommended that I write to XXXX to request a refund. 

I have reached out to XXXX as directed, and am also lodging a complaint here as this should not have been necessary on my part based on the formal letter received from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Strada Education Network, Inc.
State: SC
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:
My wages are still being garnished and loan status is in default status from attending the failed for profit XXXX XXXX XXXX. Under the terms of the latest settlement, XXXX must stop collecting on all outstanding loans and discharge all of them, the CFPB said.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
State: HI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Opened a CD with Synchrony Bank online. 
They will not allow the CD to expire and be paid at maturity without CALLING IN ON THE PHONE. 
They permit changing the term anywhere from 3 months to 5 years at renewal, but no option to just pay out the funds or transfer to the Synchrony savings 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 2017-07-10
Company: Continental Finance Company, LLC
State: CT
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:
Continental Finance LLC, account ending in XXXX <P/>A dispute was filed for a charge in the amount of XXXX, XXXX on or around XXXX XXXX, 2017.  The item, a Mens XXXX watch, was not in package when received. The merchant provided a response which was not received in time for me to respond in the allowed time frame. The dispute dept advised me to go ahead and reply to the merchant response once they emailed me a copy of it. The merchant response is false/inaccurate as it refers to an order sent out in XXXX of 2017, a month BEFORE I placed the order. it was shipped to a XXXX XXXX in XXXX, NY. My name is XXXX XXXX and I live in Connecticut, obviously, this information is false and inaccurate as previously stated. I do not believe I should have to write in a detailed letter to disputes dept explaining these inaccuracies, however, I did so anyway and response was received on XX/XX/XXXX. It was not received in time as again, I did not receive the information in time to respond by due date. The case has been closed in favor of merchant even though I did not receive item. I 've attempted to resolve matter with disputes dept, however, reps refuse to do anything further. I believe they should have seen the info provided from merchant is false and inaccurate and do not need me to write to them stating so. I refuse to pay this charge and needs to be credited OFF the account. The merchant also references a replacement XXXX watch, which is not what I ordered and was placed a month BEFORE the charge on XX/XX/XXXX. The bank has been making numerous harassing collection calls due to a missed payment, the bank account information provided for auto pay had to be corrected, I believe a number was missing from account. They also need to stop calling me

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 2021-10-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to " Nationstar Mortgage LLC d/b/a Mr. Cooper '' for loan servicing on XX/XX/XXXX from XXXX XXXX ( though i was notified in XXXX and the due date on the mortgage remained XX/XX/XXXX ). 

When paying the mortgage the first time on line with " Mr Cooper, '' two mortgage payments were applied rather than one. There is not an explanation about why two payments were made, only that it was a glitch. I am able to cover the additional payment, but have a concern with a loan servicer whose system, so far, has deducted double payments 100 % of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Bread Financial Holdings, Inc.
State: NC
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:
My original credit card was compromised so I quickly called them to cancel the credit card. A new credit card was issued and sent to me. My problem is that they neglected to cancel the old card, sending me two account payments instead of one. You have to use the automated system in order not to be charged a fee of XXXX plus dollars. The automated system would n't acknowledge the old account so I called to ask how I could solve this problem. They were very rude, telling me that I would be charged if they had to make the payment for me. I asked if they could transfer the amount over to they new account and cancel the old account, they told me yes " They would take care of it ''. They did n't take care of it and the new bills came in with the old account having gone from {$52.00} to {$80.00} and presently to {$92.00}, late fees just piling up. I called one supervisor, he said that he would take care of the problem, he did n't take care of anything. I received a call from a " XXXX XXXX '' collection agency stating that I owe {$92.00}, not allowing me to explain anything. I was extremely angry so I called my credit card people and asked for a supervisor, I spoke with a man by the name of XXXX XXXX who took care of most all the problems. I called today, XXXX XXXX XXXX, and presented the problem I have, my credit score went from XXXX to below XXXX, one is as low as XXXX and the others at XXXX, approximately. I am trying to get my house refinanced with my bank and my vehicle payment also. This creates a higher payment for both, they wo n't listen to excuses. I spoke to a XXXX, employee # XXXX, she would n't give me the name of the first supervisor 's name, she would n't give her last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
GM Financial is claiming that I was late with making payments and have not had any late payments in the past 20 years. I did not receive any statements from GM Financial in 2018 but consistently made payments by logging into the mobile app. I later learned that GM Financial made a mistake on my account and did not send my statement to my address ( XXXX XXXX XXXX, XXXX XXXX NY XXXX ) but instead sent them to XXXX XXXX XXXX, XXXX XXXX NY XXXX ). Upon learning of this information I grew worried that my personal information was sent to someone I didn't know and they told me the statements were returned as unable to deliver. I then asked how come no one from GM Financial reached out to me to correct or why their internal controls did not discover the entry mistake as my address is correct on all the lease documents and they did not respond. Furthermore, unbeknownst to me, GM Financial 's web page was in beta throughout 2018 and would present an amount due of {$0.00} and without a due date. I still made my payments because I knew I had too and have made every single payment. However, there must have been some timing issues in receiving these payments as they are stating I was 30 days late from XX/XX/2018 - XX/XX/2018. GM Financial did not acknowledge that they had any fault and would like an investigation into why there internal controls did not identify that my address was not correct ( especially since they received return mail ) and why I was placed onto a beta web page without my consent. I would like the late payments removed from my account and an inquire be made with GM Financial. Thank you for you consideration in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/18 I RECEIVED A TOLL VIOLATION, UNAWARE AS I RECEIVED NO NOTICE FROM NJ XXXX XXXX IT ENDED UP GOING TO A COLLECTION AGENCY. I CONTACTED XXXX XXXX AND PAID THE TOLL DIRECTLY TO THEM. XXXX XXXX XXXX IS STILL ATTEMPTING TO COLLECT THE DEBT. I CAN NOT PROVIDE PROOF BECAUSE MULTIPLE VIOLATIONS WERE PAID ON THE CARD SO MY CARD STATEMENT WILL BE USLESS. I GAVE THE COLLECTION AGENCY THE TRANSACTION NUMBER AND THEY ARE STILL TRYING TO COLLECT THE DEBT. I TOLD THEM TO CONTACT THEIR CLIENT ( NJ XXXX XXXX  ) AND THEY HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 I went on the mobile app for CitiBank. I needed to increase my credit limit by {$5000.00} at least. I clicked on " increase my credit limit '' and went through the process. The app never asked me how big an increase I wanted nor informed me how large the increase would be. It provided a {$3000.00} increase. I need at least a {$4000.00} increase. When I called in to change the increase amount I was told that because I already asked for a credit increase I need to wait 6 months to ask for another, essentially stonewalling me. I asked for a supervisor and his line was really bad and I couldn't tell what he was saying. I got as far as getting the same explanation. I said I wanted to cancel that morning 's request and put in a new request for a higher increase. He said he couldn't do that. I asked to escalate and I couldn't understand his response. I asked him if he could contact me by email and he said no. He said a few more things that I couldn't understand. At that point I gave up since he was not able to communicate. I do not trust Citibank to handle this issue with good faith.

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 2019-11-04
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Husband works in XXXX and was out of work due to the snow therefore we fell behind on the mortgage which then we reached out to Flagstar and spoke with an agent. XXXX sent out an application to apply for modification after all documents were sent we were reassured that we would be okay BUT we received a letter months later declining our application. I then reached back out to XXXX and spoke to him regarding the mail which he then stated we can redo BUT at that time we were so far behind and a notice for foreclosure had been sent to the home. 
My Husband and I had placed our family home up for sale after reaching out to a Realtor which he was willing to sale but advised that filling for Chapter XXXX Bankruptcy is also an option. 
My family had told us about a program called XXXX whom can assist which Monday we had reached out to them to learn our options. XXXX had sent over ALL documents needed BUT after 2-3 months they stated they have not received any documents. XXXX representative faxed and emailed documents which also included confirmation BUT in that same email Flagstar replied stating they still have not received documents. 
I went along and filled Chapter XXXX so we wouldn't lose the home because the sale date is XX/XX/XXXX which my Lawyer has been in communication with Flagstar but having a hard time getting anything out of them or complying. 
XXXX and my Lawyer both called me again XX/XX/XXXX asking if I still wanted to move forward which we do and are attempting to contact Flagstar AGAIN but informed me that I am able to make a complaint which i was told to do so months back but i wanted to give them an opportunity which they have failed yet again. At this point everyone is frustrated with Flagstar

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted   XXXX   XXXX   to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for  XXXX  a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect  XXXX  and that is the statement that I would be responsible for. I made the payment of  XXXX  but they debited my account for  XXXX , which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of  XXXX  removed and the 30 day late mark removed as well.

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