BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XX/XX/XXXX I entered the COVID Forbearance relief program on XXXX XX/XX/XXXX for one year. I have since successfully made the XXXX ( XXXX XXXX Trail payments starting on XXXX XX/XX/XXXX to qualify for a loan modification. I have continued to make on time payments every month and on XXXX XX/XX/XXXX will be 8 months of on time payments. 

I have made five request to M & T Supervisors to receive my loan documents to close on a loan modification with M & T Bank. Each time the Supervisors submit an 'escalation ticket ' which amounts to nothing. M & T 's has stated on numerous occasions that I have provided all they need for the loan modification ; however, my loan modification documents is held up with a third party reviewer. 

It is my belief M & T Mortgage is slow rolling my loan modification documents because I have made it clear I am refinancing my loan under the VA XXXX program and M & T does not want to loose my higher monthly payment ( {$4000.00} ). Each month I could have a lower VA Mortgage payment by 1 % point but I am powerless against M & T Bank. 

This written correspondence will serve as my notice to M & T Bank 's tactics to undermine homeowners by holding loans hostage so to profit on higher interest rates. There is no other explanation.

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 2018-09-29
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have consistently been pushed in the direction of forbearance with Navient. I've been out of school for almost two years now and while I couldn't make a big payment they have told.me.thatbas long as I stay in forbearance everything is okay and eventually my loan will be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Early Warning Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, in an attempt to clear up the confusion with Zelle I called XXXX XXXX the day prior and ask him for help to clear up the confusion between the emails and the phone numbers within Zelle after getting more information I tried to contact Zelle on their website they only have an address and they emailed I emailed them and the email did not work so I have no recourse but to put it in the complaint about their company until I remedy the situation I have between the accounts at Zelle in between the banks in the phone numbers so I know exactly how my money is coming and going

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Social Finance, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is a continuation of the case # XXXX that was filed back in XX/XX/XXXX against the company XXXX. The company resolved to pay me the amount of {$300.00} in 6-8 weeks time in their response to my complaint. 

Instead of receiving payment in the specified time, I instead received a letter via XXXX today almost 8 weeks from their last response to me. The letter basically restates the same response I received back in XX/XX/XXXX and that I would have to wait a " few more weeks '' to receive payment. 

This is unacceptable. I thought it was ridiculous to wait 6-8 weeks to receive payment and now their response is completely indefensible. The company has lied to me repeatedly and also to the CFPB in their settlement response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them  in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

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 2017-12-15
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Banco Popular sponsored credit card offering 65,000 miles to XXXX XXXX after paying a {$140.00} fee and making an initial purchase. 

The card was opened on XXXX XXXX XXXX and I spent around {$900.00} plus they deducted the {$140.00} annual fee immediately. I made my payments on time and did n't use the card since. The spending commitment was made on time. 

After not receiving the points by XXXX XXXX, I called Banco Popular at the number on the back of the card ( XXXX XXXX XXXX. I was informed that the points will show up in the avianca lifeMiles matter of weeks. 

After not receiving any points as of XXXX XXXX, XXXX I called Banco Popular and spent appx 40 minutes being passed around with only, this is the wrong department, your account has been closed. 

I checked with XXXX XXXX and saw that Banco Popular closed my account in late XXXX XXXX. I received no refund on the {$140.00} annual fee, and was not informed that the card was cancelled in any way ( such as a letter informing me XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Around XXXX 2007, my son enrolled into XXXX XXXX XXXX, where we were directed to apply for federal loans through XXXX XXXX ( now Navient ), of which I received a loan of {$20000.00}. I began making payments to this loan six months after that. We have been making payments to this loan for around 10 years. Every year, the monthly payment amounts billed increased. We have been paying this loan consistently to this day. Due to our request for aid the monthly amount billed is {$150.00} per month. We keep in contact with Navient to keep it at an amount that we can pay based on our situation, which is only due to our efforts. The reason we are upset with Navient is because that the principal loan amount has remained the same, regardless of our payments, ever since we began this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Mr. Cooper Group Inc.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, 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:
A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: Experian Information Solutions Inc.
State: SC
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:
This is an official grievance against XXXX XXXX based in XXXX, Georgia. This company is reporting an incorrect payment status. This company has consistently disturbed my consumer rights under the Fair Credit Reporting Act and has resulted in much unneeded financial AND XXXX XXXX. For starters, they're reporting an incorrect 60 day late payment status on an account on my credit file. I have always paid this account on time and it has been paid in full. I disputed the incorrect payment status in XXXX, XXXX, XXXX, and XXXX of 2019 and received no responses. In spite of my efforts to remedy this depressing problem for many months now, XXXX XXXX has entirely overlooked my interactions and legal submissions to correct this erroneous information on my credit report. I am quite aware of the many, various other grievances filed towards this company for their unjust and questionable business. This company 's less than professional interactions or lack there of has caused severe harm, not only to my capability to initiate credit & good interest rates, but also to my character as a Professional and as a person. Please allow me, and the countless other consumers just like me, to put a conclusion to the performance of these ghastly business habits immediately. I genuinely appreciate your time and service in this matter and hope to hear from you very soon.

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 2020-05-23
Company: CITIBANK, N.A.
State: GA
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 contested a charge with Citi Cards. They sent a letter requesting information and documentation dated XX/XX/20. Though the the date on this letter was XX/XX/20, I received it via USPS on XX/XX/20. I drafted a very detailed response ( 30-pages of documentation ) on XX/XX/20 and submitted it via USPS Certified Mail on XX/XX/20. The USPS Certified Mail return receipt shows they received it on XX/XX/20. 

On XX/XX/20 I received a second letter from Citi Cards informing me they did not receive a complete response. This is factually incorrect. 

My original response regarding the disputed charge included a cover letter, index, and 23 relevant attachments.

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 2020-11-23
Company: EQUIFAX, INC.
State: NJ
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 tried to call XXXX  to dispute my Department of Education loans but won't work. I have also went to dispute on XXXX  and Equifax and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: AES/PHEAA
State: FL
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:
Hello, XXXX XXXX reported to XXXX, XXXX, and Equifax that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX   falsely reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a forbearance with our mortgage lender due to the Covid pandemic and the complete shutdown of our business from XX/XX/2020 onward. The company ignored our request for many weeks until we filed a complaint with your office after which they finally granted us a forbearance. Here is the catch. They now say at the end of the forbearance we owe them all four payments at once or we are in default. That is insane. It is not a forbearance at all and it does absolutely nothing to help the situation. They are basically postponing 3 payments for the period then making them due immediately following at risk of foreclosure. 

A forbearance is supposed to mean a postponement in payments which are then due at the end of the loan so the three month grace period allows the borrower the time to recover from the massive losses we have incurred. This is unethical and probably illegal. We need you to help us end this ridiculous attempt to get us out of our house please. 

The forbearance period began in XXXX and covers the XXXX, XXXX and XXXX payments - which we are now told are all due along with the XXXX payment on XXXX XXXX. 

thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 tried to call XXXX to dispute my Department of Education loans but won't work. I have also went to dispute on TransUnion and XXXX and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.

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 2018-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been trying to cancel my Experian Credit Tracker Service for a while, which I accidentally signed for after not being able to cancel in the trial period. Its been a few months and I've been on 3 different calls where I waited over 1hr and 40 min, 2hr 10min and 1hr 30min ( have screen shots ) to talk to someone. In the last call they picked up after 1:30 of waiting, went through the questions, cancelled everything, put me on hold to complete the cancellation and somehow the call was dropped. Moreover, I've sent emails and letters to no avail. Its a waste of time and unfair criminal type practice from Experian. Something needs to be done. After reviewing the consumers reports, this is a common operation from Experian that needs to be corrected. Consumers are suffering from this while this company is stealing their hard-earned money.

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 2021-06-30
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My local bank is XXXX XXXX which is merging with XXXX XXXX. I tried opening an account and my accounts was closed. I was explaining my issue with a gentleman name XXXX in the corporate division. I was told an account was opened in my name fraudulently in 2016 without my authorization. He told me there's nothing they was able to do. I was outraged and reached out to the Attorney General office. I being penalized for someone compromising my information. I will be sitting down with an attorney as well. I want whatever negative information to be removed out of my name immediately. My social is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XX/XX/XXXX XXXX i was pre-qualified for a American Express Platinum card. I proceeded to apply as instructed. They ran my credit and it came back as XXXX Fico. Well above the acceptable range. I was given a " well contact you when we have a decision email '' On XX/XX/XXXX i was given a decline on the application. I inquired as to why and the customer service rep said my income was too low as reported by the IRS ... .She said my Income from XXXX was only XXXX ... .When in fact it was XXXX. i pushed back and told her that's incorrect and they must have pulled the wrong year or made a mistake somehow. 

I have attached to this complaint a copy of my XXXX IRS return transcripts as provided to me by the IRS. 

This is very worrying that American Express is practicing such bad and unethical ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One lowered my credit limit from XXXX down to XXXX. My account is in good standing. They notified me after they had lowered my limit that it was because I don't keep a high balance on my card.

Company response to consumer: Closed with explanation