BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XXXX  canceled my flight and the the country I was visiting had a travel band. The airline never returned my money.I sent supporting documents several times. Capital one claim I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Was not notified of investigation status or results

Complaint:
I have sent 2 letters to Equifax. the first dated XX/XX/2021 and the second XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Factor Trust
State: CA
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 requested a copy of my report free as i was denied credit from XXXX on XX/XX/2018 based on their report and the response was that i have already recieved my free annual credit report. i called them and explained that i am requesting another one due to an adverse action against me based on the information they have on me. i was told i still needed to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to dispute these inquiries with Equifax on XX/XX/19, they have refused to delete each and every last one of the unauthorized inquiries by saying they were factual with no written proof/signatures that I authorized these inquires on my report. Saying they are factual is not sufficient enough investigation as to them being factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My ex XXXX in XX/XX/XXXX and had an out standing balance on his student loan. The Jude ordered that I was not responsible for his college debt when we divorced in XX/XX/XXXX. In XX/XX/XXXX I started receiving notices that I was delinquent on MY student loan. I called Navient and sent letters explaining that this was not my student loan, that it was my husbands who had XXXX. I also mentioned that the judge had ordered that I would not be responsible for his debt. Navient told me it was infact my loan, for my XXXX XXXX  education. I was never enrolled in college let alone XX/XX/XXXX!!!
I need help with getting this dismissed for breavement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Check City Partnership, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went to get a check loan from Check City/XXXX  on XX/XX/XXXX and was declined through XXXX XXXX and outstanding check loans through other check loans sources but as of XX/XX/XXXX XXXX  sent a credit freeze approval confirmation to me and as of XX/XX/XXXX those old check loans mistakenly done on my part were discharged through my bkXXXX ; that are still reporting to the pulic as of this day although I have requested to not have them reported to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   ( now citizens bank mortgage ) refused to refinance my mortgage since they want to keep the absurdly high interest rate on the books ( 8.125 % ). My  credit score  is almost  XXXX  but they continue to bully me into paying this high loan. My loan matures in  2020  and they wo n't leave my tackle the issue before then. They keep saying " call me 12 months before your loan matures ''. They know I have good credit and are just trying to collect the WELL ABOVE MARKET INTEREST RATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom : I have an existing VA loan with Rocket Mortgage. Rocket Mortgage pulled a hard inquiry on my credit report without my consent, and is in process of closing a refinance mortgage without my consent, they have pulled a final payoff on my loan without my consent. I immediately placed a freeze on my credit report on all 3 bureaus. I will be contacting rocket mortgage fraud department in the morning to find out why. I am asking CFPB investigate Rocket Mortgage for illegal activity on my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Ameritech Financial
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I HAVE BEEN PAYING AMERITECH SINCE XXXX OF 2017 ... THINKING THAT THEY WERE HELPING ME, I THOUGHT THEY WERE PAYING MY FEDERAL LOAN, BECAUSE THAT IS WHAT I WAS TOLD IN THE BEGINING. I HAVE BEEN PAYING THEM XXXX DOLLARS A MONTH UNTIL I RECEIVED A LETTER FROM FTC ... I HAVE NOT RECEIVED ANY HELP OR SERVICES TOWARDS MY FEDERAL LOAN ... I FEEL SO XXXX  I REALLY THOUGHT THEY WERE HELPING ME PAY MY LOAN ... I DONT KNOW WHAT TO DO NOW I HAVE GIVEN THEM SO MUCH MONEY FOR NOTHING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX from XXXX XXXX XXXX XXXX that we could have our PMI insurance removed. We sent in a check by certified mail XX/XX/XXXX as requested for a home inspection. We never heard from the assessment agent. XX/XX/XXXX our check is returned stating that the assessment agent could not get hold of me. XX/XX/XXXX we again asked for the PMI insurance removal and sent another check by certifed mail. With a note stating that I am hard of hearing and that the agent must speak slowly leaving a message since I don't hear my phone ring most times to set up an appointment. XX/XX/XXXX sent another certified letter asking what is going on since I have not heard from the assessment agent. No response. XX/XX/XXXX filed a complaint with the Office of the Comptroller of the Currency. XX/XX/XXXX received a letter stating that my complaint filed is no longer under the jurisdiction of the OCC has to be filed with the Consumer Financial Protection Bureau.

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 2020-01-25
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Re seller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2017-08-05
Company: TD BANK US HOLDING COMPANY
State: LA
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:
Company is incorrectly reporting balance, after payment made company said account would no longer report negative and it still is reporting causing negative impact on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a dispute with TransUnion on XX/XX/2019. I sent a follow-up letter to TransUnion via certified mail because I had not received any updates on the dispute. On XX/XX/2019, TransUnion sent a letter stating the dispute that I submitted was illegible. They suggested I type the dispute and resubmit it. The original dispute WAS typed and included proof of my identification, which they also stated that they needed. This is simply an attempt by TransUnion to avoid investigation of a dispute within the allotted 30-day time  limit.

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 2021-02-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Citibank checking account online XX/XX/XXXX. When I visited the branch in late XX/XX/2020, I was told my account was frozen for the first time. I was given the 800 customer service number and told to call Monday-Friday. I called that following Monday and was despite answering all verification questions correctly, I was told my account would be immediately closed and my funds would be sent to the address on file within 10 days. I waited but never received the check. I have visited the XXXX XXXX and the XXXX  XXXX XXXX branch and spoke to the manager there XXXX XXXX to no avail. I've made multiple calls to the 800 number and have provided scanned images of my passport and my most recent paystubs, as requested. It is now the XXXX of XXXX and I have yet to receive the funds. I have been patient and complied with every request but the bank has kept my funds and has provided the most unprofessional service I have encountered in long time. The balance on the account is urgently needed for medical reasons and it is being held without reason. Please assist 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 2020-08-30
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back in 2016 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$4500.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 95.620 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1900.00} more to the interests ; I called the collection company " XXXX XXXX XXXX XXXX '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my authorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$4500.00} you will end up paying the ridiculous amount of {$15000.00} after you are done with all the payments, meaning that the Financial charge is {$11000.00} plus the {$4500.00}. Please somebody do something about this ; this company should not exist or they should lower the interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: World Omni Financial Corp.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: Consumer Portfolio Services, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I get paid on XX/XX/XXXX the manger emailed me and said it would go to repossession on XX/XX/XXXX but she had options then a representative called and said no options and it will be repossessed on XX/XX/XXXX and add more fees she was very rude and then she called my friends and left voicemails for location information when they have my current contact information this is very embarrassing on top of everything else going on in my life that they dont care about and we are only talking 4 days and when I emailed the manager back with my concerns they are not calling me back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
i tried to pay off one of my student loan that is now a total XXXX US dollars. i made two attempts this year and nelnet for some reason keeps canceling the payment. i have screenshots that it is being processed and when i keep checking it is still being processed and then i look at my bank account the money is there and nelnet has not taking it. my bank confirm that nothing is wrong on there end. so i called nelnet to see what is the problem and they want to say there is a problem on my bank side. which is not true. i think they are scrammers because he they do not accept my payment the interest rate continues to increases. this is not acceptable.

the have accepted other payments that i submitted around the time i submitted the full payment of one of my loans i will submit a payment again in smaller amounts to pay this loan off please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX, XXXX, WI XXXX A week ago, at XXXXclock to XXXX clock at night. I mistake my old credit card as my debt card to deposit money for more then 900 less than 1000 to the ATM. the ATM screen show exact same as you put the debit card in to the machine. I thought I use the right card until I try to print a receipt. The screen shows invalid card. My money is eaten by the machine. So I wait tomorrow morning to the branch bank. The people work there doesn't help and have bad attitude. They told me you have to call the credit card number because you deposit money in your credit card. Then my questions are 1.ATM is in the branch bank, so US bank is not related to the US bank ? 
2. My intention is to deposit in my debt card. The money is eaten, Credit card is invalid. 
How could just call the credit card number to solve the problem. 
3.How often is the ATM got checked. There are extra money there. Who is gon na have those extra money. 
I call the credit card number, they tell me to talk to the branch bank. I am so confused, after a few phone call. There is someone really nice to help me claim a file and told me they will investigate in 45 days and tell me the result. After left a review on XXXX. US bank try to contact with me. And someone told me I will get about 900 dollars as credit in ten days, but After ten days, my bank account doesn't show those amount, so I call them again, they told me the amount got denied. I feel like some people work there is not well trained or the system is not good enough. Could you help me get the money back. This money is for my tuition in fall.

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 2019-11-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX  is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting bureaus.

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 2021-02-01
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax about my score decreasing from 1 day to the next by 42 points. There were only 2 changes on my report which were balances decreasing which is a positive. I have a XXXX and a XXXX on 2 other bureaus and Equifax knocked me down from XXXX to XXXX. My payment history is 100 % across all my accounts. My ratio is abount 45 %. After verifying all my identity criteria I was told by a representative that they did not know why it happened and could not correct anything. Told me to hang on for a supervisor and I stood on hold for along time before being disconnected. That type of drop usually occur with a late payment or something dramatic happens. I don't know if someone opened up any accounts in my name and do not see anything on my credit reports from other bureaus. They first told me I can pay for credit counseling. This is going to kill my interest rates at a time when it took me a long time to get things corrected. I feel they are trying to scam me into buying other products in order to talk details with me or since I am part of the settlement they are discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS has unrealistic value on short sale property. Our property is distressed and underwater and we have been trying to work with SPS. We had THREE offers. Two dropped out because of length of time it took for SPS to get back to buyer on response of acceptance. They were soooo slow buyers would not wait any further. Each offer was between 1.2 and 1.3 million. Our home has been on the market 450 days. We FINALLY got another offer at XXXX and the buyer said they would hang in there while SPS did their review. Now SPS is stating they won't review because offer is too low, however, it's the same value as the prior offers of XXXX. The appraisal done by SPS was inaccurate and flawed and used properties outside of our town. I'm submitting support information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation