BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After completing a consolidation process to lower my monthly student loan payment through the XXXX XXXX XXXX XXXX, I was approved and have a confirmation email dates XX/XX/XXXX. My repayment to Sallie Mae, my private loan lender, was due XX/XX/XXXX for the very first payment after graduation - which would have been roughly {$450.00}. I was informed not to pay sallie mae, as the federal student aid would be covering the loans and it would take up to 90 days to complete the transfer process. I called and clarified this with the XXXX  company several times, as I was still getting alerts constantly from sallie mae my loans were overdue, and reassured I shoud n't pay because XXXX would be taking care of the matter. 90+ days go by, and no consolidation had been completes, sallie mae didn't have any record anyone from XXXX  had even contacted them to dispute the repayment amount. I am now past due with an amount {$1200.00}. Sallie Mae is unable to consolidate any of the past due amount, and the XXXX XXXX aren't willing to help, as they don't settle private loans - which i was unaware of, and was told several times repeatedly that they would take care of all my student loans - public and private. I was unfortunately misinformed about what was being consolidated - and now am unable to receive any help or assistance from either company. I am hoping to get this unfortunate miscommunication and misunderstanding settled once and for all, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Mansions of XXXX XXXX XXXX XXXX XXXX placed the exact same bill with two different collection agencies causing two bad reporting remarks on the credit bureau. I have spoken with XXXX/ XXXX XXXX management on many occasions who states they will correct the problem. The accounts are still placed with two separate agencies. I have requested for Trans Union to  investigate and remove double marking for the same bill and nothing gets done. This has been an issue for almost 2 years now. I am trying to purchase a home and will pay the past due amount but can not pay twice. This should be a credit reporting violation and no one is assisting with resolving the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018 I received a promotional email message saying I am eligible for a credit line increase to my Best Buy store credit card provided by Citibank NA. I was approved for an increase of {$1500.00} after filling out the information I was told to provide on the online form. Nowhere in the process I was told there would be a hard inquiry to my credit report. 

I have credit cards with other creditors and a hard inquiry has never been done on a line increase. Considering the increase was promoted to me I assumed there was due process on their end to provide me with the proper details of the increase. I would not have requested an increase if I was told there would be a hard inquiry. This is the 2nd hard inquiry from City Bank within 6 months, I opened my account on XX/XX/2018. 

After checking my credit report in XX/XX/2018 I found out that Citibank NA issued a hard inquiry. On XX/XX/2018, I called Citibank NA retail card department at XXXX to attempt to resolve the issue. I was connected with XXXX in the retail account verification department. After explaining my situation to her she connected me with XXXX of the Management department for Best Buy Credit. She understood my frustration with the process and told me there is nothing she can do but explained to me that if I called and spoke with an agent rather than doing it online I would have been able to avoid the hard inquiry. This was not promoted to me as an option. The only option I was aware of was the online process. I never signed off on a hard inquiry. I was never asked nor did I give permission to have a hard inquiry done on my credit report. I believe I was not provided with all the options. 

I have attached a screenshot of the credit line increase screen. I does not explicitly say there will be a hard inquiry in the process.

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 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the Savor One Capitol One credit card. I was accepted and they said they sent the card. I never received it. From XX/XX/2020 to XX/XX/2020 we went back and forth with calls because they issued me a new number but never sent another card. 3 months passed and I was never able to activate and use the card within the 3 month spend {$500.00} get {$150.00} back rewards. This is the whole reason I got the card. After calling them they said they could send another card but would not honor the cash back reward. So I closed the account. What a waste of time and a ding on my credit score for applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
Experian and XXXX  decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed Experian and XXXX  of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said Experian and XXXX  only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX  has removed the account ...

Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX  Company 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 2021-07-13
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: ORG GC GP Buyer, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Continued to contact family members with same last name after repeatedly asking them not to and attempting to resolve debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: OpenRoad Lending
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In Accordance with 15 USC 1692g, OpenRoad Lending , LLC failed to comply with sections ( 3 ), ( 4 ), and ( 5 ) of the code. I did not receive a statement that gave me the option to validate the alleged debt, dispute the debt or information providing me with the name and address of the original creditor. The date of the alleged contract is XX/XX/2021 for a loan total of {$19000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Have Sent Them Several Letters Asking Them To Remove Incorrect Personal ( Incorrect Previous Address ) Information That They Put On My Credit Report.This Started After The XXXX  " Breach. " They Refuse To Give Me A Copy Of My Credit Report Claiming, All Of A Sudden After Years Of Receiving My Credit Reorts With Zero Problems That They Can't Verify My Identity.I Have Sent Several Pieces Of Information To Prove My Identity Including My Driver 's License And They Still Refuse To Give Me My Report Or Correct The False 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 explanation
Consumer complaint received 2018-12-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A checking as well as a savings account was opened with Citi bank on XX/XX/2018. As part of opening the checking account, a bonus of {$400.00} was advertised provided certain conditions were met with the account. These terms were as follows : Opening as checking and savings account with Citi, depositing {$15000.00} to the checking account and maintain a minimum balance of {$15000.00} in the account for sixty ( 60 ) consecutive calendar days. The {$400.00} bonus would then be deposited to the account within 90 days of meeting these requirements. 

On XX/XX/2018 a deposit of {$15000.00} was deposited to the checking account. A balance of {$15000.00} was maintained in this account until XX/XX/2018 when {$5000.00} was transferred from the account. 

Per the terms of opening the account, the {$400.00} bonus was required to post by XX/XX/2018. This did not occur. Citibank was contacted on XX/XX/2018 to determine the delay of the bonus being credited to the account. Case number XXXX was entered into Citibank system on XX/XX/2018, but there was no further communication on progress of the term violation or resolution ( crediting the bonus to the account ). As of XX/XX/2018, the bonus still has not been credited to the account. Overall, Citibank has violated the terms set when the account was opened and has not acted on resolving this issue within a reasonable amount of time.

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 2018-05-17
Company: LEXISNEXIS
State: OH
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:
On XX/XX/XXXX, I placed a call with Lexis Nexis, opening a dispute, regarding reporting that included incorrect additional drivers at my home address, my incorrect address located on the reporting, addresses associated with my name and information where I had never lived, identification records listing information that was not mine ( this information was my mother 's and I also informed them of that ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that as well ). Lexis Nexis informed me they would have all items fixed and send me a new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's ). 

On XX/XX/XXXX, I placed ANOTHER call with Lexis Nexis, re-disputing the incorrect information I received on XX/XX/XXXX, informing them AGAIN that their reporting included identification records listing information that was not mine ( this information was my mother 's and I informed them of that AGAIN ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that AGAIN ). Lexis Nexis informed me they had made a mistake, the notes on my account stated this information should have been removed, and they would have all items fixed and send me another new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from, AGAIN. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was STILL my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also STILL my mother 's ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a complaint about two Bad Actors who purposefully, willfully and knowingly conspired to injure my credit standing under false pretenses. On XX/XX/XXXX I was transported via ambulance ( XXXX ) to a hospital due to a accident. At the time of transport, I was requested to and provided current state identification and medical insurance cards. To date, I have not received a bill nor request any other written notification from XXXX requesting payment for any outstanding debt owed. 

All identification provided contained accurate current contact and mailing information. Despite having accurate information, XXXX employed a rouse to injure my credit score and rating by sending all notices to a General Delivery Post Office address USPS in XXXX, Nevada -- a township where I did not reside, despite having my address. When the mail was returned from General Delivery as undeliverable XXXX then, forwarded it to it's claim Collections debt ( National Business Factor ) -- despite my being completely unaware of any communication. 

Meanwhile, the attorney who was handling the case that originated on XX/XX/XXXX, had contacted any and all creditors regarding payments arising from this incident. However, because of XXXX 's actions he was unaware and therefore unable to contact them. He can testify to this. But XXXX 's actions were purposed to cause a greater harm in collaboration with their partner : National Business Factor, Collections -- they used my social security number to post a negative report to all three credit bureaus. 

I believe their actions evince an unfair debt collection practice and pattern with specific intent to do harm. The only reason I know know of their action is because I happened to be checking credit reports when I was noticed of a 25 point drop. I have the alerts/correspondences from my monitoring. National Business Factor has never ever written, called or communicated with me prior to my contacting them on XX/XX/XXXX. 

National Business Factor claims it can have this removed from the credit agencies swiftly and with just a letter. The agencies state that even if, paid or otherwise cleared, the information will remain on the credit report for 7-10 years. I have been harmed and am aggrieved and thus am seeking a remedy at law and in equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 for the 609 LETTER regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2018-06-15
Company: SMI Lending, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from a company called XXXX XXXX. In their letter, they stated they participate in the VA IRRRL Streamline Program. They stated in their letter that they do not require a credit score, appraisal fee, or a proof of income. When I called them I was told they do not require these things because it was satisfied when I received the initial mortgage through my original VA Loan that it was a program to refinance my mortgage at lower rates specifically designed to help veterans. I was then asked for my current mortgage lender 's information and asked to verify my address. From this point, the representative ( XXXX ) told me she would send this to a loan officer and I would hear back from someone on Monday. By Wednesday I called back because nobody had reached out to me and there was no answer so I left a voicemail. By Friday, nobody had called back so I called again. This time I was told I would be turned down because my credit score was too low to get a better rate. At no time did I authorize this company to run my credit because on their letter that they mailed to me it clearly stated the credit score was not needed to participate in this program. I asked the representative how this could happen and she apologized for the misleading letter and said it must be a typo. Furthermore, the credit score they said I had is not the same score that I see when I look at all three credit bureau reporting agencies, the score they reported was substantially lower by more than 50 points. I told her I found this was unacceptable and reported it to the Texas State Attorney 's Office and the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am unable to access my funds with the American Express Serve Acct. since XX/XX/2018. I was advised to cancel my card. Upon doing so I was also advised that i could pick up another card at the store to link it to my already opened verified full service use acct to have access to my acct. Now I have not received my card yet and have checked everyday since mon XX/XX/2018. I have been on the phone at least 5 times and talked with only 1 supervisor as one hung up on me before saying hello and have been hung up on by a couple other different reps for reasons I can not understand. I could if I was rude or degrading or offensive or cursing and threatening but I was loud and angry maybe but none of the others above. I am given no opinion for accessing my money. I even asked them to cover the overnight cost but was told no. I have a very awful divorce from an abusive man and I have court and need the last of my funds to my name for gas or he gets everything. I do not think it's right to be told no I can not access my cash I put on my card in an acct i opted to have with them. How can a company withhold me from my money. It's not a check pending or a credit card for cash advance it's a checking acct with a debit card. How can they tell me no I cant have my money. I cant even send cash to myself for a fee. So I even tried opening a new acct since I could link the card I bought and loaded with more cash per their advisement and I cant transfer it. I cant even close one acct and have the money deposited into my other American Express serve acct cuz it's in my name. I then got charged my monthly maintenance fee though I can not use the acct and they would not refund that either. I'm disgusted. I'm disappointed that a company like this is going to keep me from my cash deposited funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: PNC Bank N.A.
State: GA
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:
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received an email from Flagstar Bank saying I had a new loan number and nothing else. I thought it was spam and discarded the email. I find out on XX/XX/XXXX that XXXX XXXX  had sold my loan to Flagstar Bank and no notice from either was given until after I set up my account with Flagstar Bank and paid the bill via email. On XX/XX/XXXX I tried to pay my loan online using the same credentials from XX/XX/XXXX and they are unable to match me in the system so I had to pay late on XX/XX/XXXX and they said that it should work. Now today XX/XX/XXXX I have the same issue and now will have to pay late again.

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