BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
One of my student loans was transferred to Navient. Today after reviewing over my payments I noticed that Navient had my minimum payment listed as {$85.00} which I remember specifically that when the loan was serviced by XXXX {$85.00} wasnt my minimum payment but XXXX allowed me to set the specific amount that I wanted to apply to my loan so I selected {$85.00} so I could apply extra to the principal. Well today I noticed Navient had {$85.00} listed as my minimum payment. I contacted Navient to confirm why my minimum payment was showing for {$85.00} when it should have been like {$55.00} or XXXX. Navient advised that {$85.00} was the minimum payment. So I was very alarmed and didnt understand how I would be able to prove this when I could no longer log into the XXXX account since the loan was transferred. Luckily I found one of my old credit reports and it showed that my minimum payment for My XXXX student loan was between $ 49- {$55.00}. Its very alarming that I would be mislead this way. In addition I have over {$40000.00} of student loans with Navient and now I feel like I need to go back through all of my other accounts to audit them to make sure there isnt more misrepresentation going on. I have called my lender last year to discuss various payment options because I just had my first child and I was unemployed half last year and they were not helpful with decreasing my payments. They only offered deferment which I had to pay {$250.00} to proceed with the deferment only for them to add on {$1000.00} of interest on top of that or a reducing my payment by {$100.00} and thats when I didnt have any income and now they are providing inaccurate information about my minimum payment which also has me to believe that they are falsifying the amount applied to my principal vs interest. How am I supposed to know they arent doing the same thing with my other loans that I hold with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CITIBANK, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On XXXX XXXX XXXX Citibank issued and on XXXX XXXX XXXX charged me four billing charges that I never requested without no cards given to me. 

XXXX XXXX excludes all dates of transactions in all Citibank monthly Easy pay transaction Reports since XXXX through XXXX period eliminating contents of credit and payment history that I paid as a borrower causing potential loss on my side during that period. 

Citibank paid unauthorized charges for a period of more than five years under one bill service program though I had instructed Citibank to stop payment and discontinue the one bill service Citibank applied late fees and interest and other charges to my monthly billing statement for repayment for a period I filed a complaint for resolution to the above violation of law. 

Citibank on XXXX XXXX XXXX illegally withdrew my fund in my saving and investment account in Citibank from an electronic transaction for a reason that they claim I have late payment that is more than 30 days during the time I file a 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 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: AMERICAN HONDA FINANCE CORP
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Leased XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Paid monthly payment {$430.00} on time every month and returned the vehicle on XX/XX/XXXX prior the the lease end date. Dealer provided me with the Vehicle Return Receipt ( attached ) that he and myself signed agreeing the car was returned on time with no damage. It was at that time that I was told there was nothing else I needed to do and I left the dealership. On XX/XX/XXXX I had a missed call and voicemail from Acura Finance asking me to contact them at my earliest convenience. I called back that same day and spoke to a representative who said I needed to pay a " return fee '' for my lease. When I originally leased the car I made sure to ask the dealer if there was return fee, as I had experienced this with a past lease, and they said " we do not do that ''. Therefore I was a bit surprised by the representatives call saying I needed to pay this but agreed to as she said it was required. After paying she said everything was taken care of and nothing else was needed on my end. It has now been brought to my attention that this payment was late and is effecting my credit negatively. When I spoke to the representative she did not make mention of the payment being late and did not make mention of past attempts to get in contact with me. In looking at my Acura account I see mail correspondence was sent to my old address and never got forwarded to my current address. If there were additional calls made to me regarding this I was unaware as a voicemail was never left until XX/XX/XXXX. If I had been made aware of this when dropping off my car and signing the vehicle return receipt I would have paid it right away but I was told everything was completed and there was nothing else I needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TransUnion refuses to send credit report after my insurance company suggested that my rate was increased based on information therein. I originally requested the report on XX/XX/2019 in writing.

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 2021-05-01
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a personal loan with Upgrade and can manage that but they have another product called Upgrade Card, which is a line of credit and not a credit card. The payment changes monthly and only increases so is like XXXX and has become egregious and unmanageable with interest at 25.99 %. I called to see if there is a more manageable payment but they could not help me, so I will be paying a payment of {$220.00} for 37 months ( the monthly payment changes daily as I looked earlier this week and payment for XX/XX/XXXX was {$210.00}. This is a very dangerous " card '' as the payments are variable - I was not aware at the time of applying how bad this card is. I have been helping my son and family during COVID-19 and took loans to do this, along with doing all I can. I've asked Upgrade for a lower interest rate and reasonable monthly payment and was told they don't do this. And their COVID-19 " help '' is of no real help and I don't want this. I believe the Upgrade Card is a bad vehicle with very high interest rates. I'm not eligible for any loans at this point and I have cut up the card will pay the debt down with Upgrade. They are like many other on-line loan service companies ( like XXXX, etc. ) but they do not care if one makes payments on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had automatic payments set up with Navient through my debit card. They used to have my bank account information but made unauthorized payments using it. But I decided they could do the auto payments through my debit card. I started those three years ago. I was watching the payments and everything was going fine. But last XXXX, I got a new debit card. I forgot to contact the company to make sure they had the correct one one file. But the company waited four months to contact me and ask for a payment. They waited until the account moved to the collections department to reach out. At which point they harrassed me with phone calls and emails four times a week. One week they called me twice in one day. That last for a solid month. I called them and made a payment. But they told me I still owed money just to get it out of collections. I asked for documentation that they would not have my card information on file and that I would also receive the terms and agreements of my account. I asked for certified mail. Never received it. During that phone call they continued to use predatory tactics which caused me to panic. It triggered a recent trauma and the cops were called for a welfare check on me. The phone calls and emails stopped for a bit. Flash forward to XXXX. The company sends me an email that says if I call and make a payment by XX/XX/XXXX they will waive late fees. I call them on the XXXX to make a payment. The woman tells me I do not have any late fees. So now they are using false information to bait me into making payments. By telling me they will waive late fees that is a promise they will provide a service. In this particular instance they have not provided that promise. I no longer can trust this company. Since making that phone call. I have received an email from them asking in a round about way for a payment each day. I has only been 4 days since that phone call. The woman on the phone that day told me she was giving my account to another department who would assign me to a personal account manager. I have yet to receive any communication from any individual who would handle my account. I never talk to the same person on more than one occasion. More predatory and false promise tactics to get money out of people. Their customer service is horrendous and they continue to mishandle accounts. I want my loans out of the company and never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Long story short, my wife 's identity was stolen and we've been dealing with the shrapnel over the last couple months. Took all the normal steps ( locked her credit, changed login info, etc ... ) Fast forward to this morning, I see our CC balance has jumped up to {$2600.00} overnight. We never carry a balance and I know for a fact that it was XXXX the day prior ( I've been logging in and monitoring daily since this happened ). Upon further investigation I see an " ACH payment refund '' that posted last night. I called BOA and spoke to someone in their fraud department and was told that " my wife '' called and explained that she made the last payment in error, and requested the amount of her last payment be refunded to an account @ XXXX XXXX I see where this bank is connected to the cash app. 

The BOA rep had NO answers as to how this was allowed to happen.

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 2018-03-23
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted XXXX on XX/XX/XXXX and I explained to them in full detail that my home was in foreclosure and my sale date was scheduled for XX/XX/XXXX ... .I told them that I wanted to keep my home. I paid them {$2200.00} in XX/XX/XXXX ( drafted from my account ) for them to either stop the sale date or put it on hold to work out a loan modification plan. I was notified on XX/XX/XXXX that my home sold on XX/XX/XXXX and then they took another {$500.00} from my account in XX/XX/XXXX and stated they would try to have the foreclosure rescinded or get me cash for keys or a rent back option or they would file a consumer financial protection bureau complaint against them. Whenever I try to call or email or leave a voicemail with several individuals within this company ... .no one will contact me. No one EVER answers their phone, they have an answering service who ALWAYS transfers your call to a voicemail. No one responds to emails or voicemails until after it's too late. I have since closed my bank account to prevent them from drafting more money from it. To my surprise, I got a phone call from someone in the accounting department from XXXX today ( XX/XX/XXXX ) stating that my payment wasn't received ... .I explained to the gentleman all of my frustrations and told him that I would NOT pay them another dime for anything and he hung up on me. This company is a crook! I am currently 2 months into the 6 month redemption period of my foreclosed home ... ..I want some legitimate help redeeming my home! I want this company stopped once and for all and I want my {$2700.00} back please.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Retaliatory, discriminatory, unethical business practices should be investigated. How is it in XXXX Transunion reported I owed XXXX XXXX approximately. After writing the CEO or Multiple complaints the amount changed to XXXX to XXXX additional different amount this past year. XXXX falsified a letter with an address that was never my address stating they gave me an option to buy back the vehicle. Only after in XXXX I detailed all of the Texas State violations they were guilty of. They regurgitated my violations in the so called letter. I paid of my current vehicle instead of improving My credit Transunion union reclassified XXXX on XX/XX/XXXX as delinquent auto. Where is this legal or ethical? In one year I successfully had 4 collection items removed multiple debts paid in full and Transunion refuses to increase my credit score, I dont know what else to submit for an investigation. My only alternative is to sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: MA
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:
Credit reporting Agency that i have been fighting with XXXX XXXX XXXX XXXX XXXX  ( 2 hours ago ) to cmtauntondc Experian somehow got a hold of my bankruptcy report and put back items on my credit report even though they were done away with thru bankruptcy and have not appeared since the bankruptcy i had a good credit score until they got involved now my credit reports are bad. they also had incorrect info on my report that is why i started this whole process. they are the only one that had my credit info for the so called free report that i canceled yet i just went into my bank account and it had been hit for XXXX by a company called score sense but i know it has something to do with Experian because they were the only ones that had that info i called score sense told them i had canceled and was told it may take a day or so if they decide to credit it back and gave me a confirmation number.. What can i do about this i did a credit lock but they were still able to put these things on my report. my name is XXXX XXXX XXXX XXXX i filed in 2015 after i got very sick and evently had to leave my employer and go on XXXX  i am XXXX had XXXX twice may have it again because of XXXX  and Dr etc i do not yet know because of all that stress and now this what can i do please help me i need some clear legal help.this is just the latest info i contacted XXXX XXXX explained that there had been a break in one XXXX  that wiped out my accounts last year and added accounts that should not be there i have worked really hard to improve my credit the only thing i have out there that is mine is my car loan with around {$6000.00}. that is it

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 2018-01-06
Company: Experian Information Solutions Inc.
State: AL
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:
There are many mistakes appear in my report without my understanding.

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 2019-04-06
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2019 applied for installment loan with Advance America Center, in ohio. I was told my applications was " denied by XXXX. '' It was further communicated that the denial is as a result that " because could not validate my [ legal ] name at POS [ point of sale ] it would not pass Advance America 's MLA validation. '' I am not a military service person and have never served in any branch of the military and my name is what it is. It was further communicated that " in order to be approved for an installment loan a customer must pass MLA validation. '' [ however, from my interpretation of the law, that is not the way the Ohio law reads ]. Additionally, communication states that " if the lending center updates the POS [ point of sale ] to be a valid name [ meaning name other than my legal name and usage ] the customer should pass MLA validation and no longer be denied. '' I spoke w/a XXXX representative on XX/XX/2019, who says that my name is not listed w/MLA and don't know why it should or would be since I have no military status or service. Initially, Advance America claimed to have gotten this information from XXXX and XXXX. I spoke w/representatives from XXXX and XXXX   who both says, " not so. '' and is sending me a copy of my credit report. [ updated from 4 years ago ]. 

Now Advance America is denying me an installment loan because my name is not what they say it should be. 

I have been a customer w/Advance, off and on, for almost 15 years and used no other name than my legal name. Now they tell me they will approve me for a loan " only '' if I apply using an illegal name. I have no outstanding accounts wi/Advance America. 

I feel this denial is discriminatory, suspect and unjust and blatantly a scapegoat for someone's negligence. I explained that all people make mistakes and i'm not upset about that, i'm upset that no one wants to correct it, but spend more time talking attitudinal with me about my name. 

I want to know what recourse I have to get this corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have requested the HSBC to close my previous checking account ( ending XXXX ) on XX/XX/2017. I have chat records to prove it. So the company claim my account was closed on XX/XX/2017 was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: TX
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:
My credit report shows inaccurate and unverified inquiries from multiple sources. 
I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When using the web site to make payment, loancare llc will put a added cost to your payment if not done in the first four days, This fee starts at XXXX $ AND GOES UP. My mortgage is not late until the XXXX of the month, and this company is charging late fees after four days. This goes against contract and to me is against the bound agreement of the contract.

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