BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX 2017, I attempted to establish a Primary Beneficiary and Contingent Beneficiaries with Ally bank. Ally Bank said that I can not do this because they are a small bank. I wrote the XXXX XXXX XXXX and they said on XX/XX/XXXX they would not allow me to properly establish my beneficiaries. Ally Bank said they have closed my valid complaint case without any action. 

For example, if I have an individual Saving Account and want my wife to be given the funds if I XXXX, while if my wife and I both XXXX at the same time, I would like the funds to go to my contingency beneficiaries, my XXXX sons, Ally Bank will not honor my request. 

If I had an individual account and I XXXX, the funds must be split XXXX ways, XXXX XXXX going to my wife and XXXX XXXX to each son. 

Ally Bank is required exhibit fiduciary responsibility. and they refuse to distribute my funds in accordance with my wishes in the event that I XXXX XXXX. 

Ally Bank needs to change and allow ALL Ally Bank Customers to properly set up beneficiaries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account numerous times. I 've never owned an account with Afni Inc . I have contacted each credit bureau of which this company has reported a debt under my name. The company can not verify any account under my name with them. 

As a result, I have been penalized with higher than usual apr rates for credit I have been approved for on loans and other lines of credit. I have also been denied credit when needed and housing twice, or charged larger deposits. 

It is unethical and illegal to try to falsely collect a debt that does n't belong to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One is charging interest to accounts after a balance has been paid in full. When I tried to rectify this with Capital One they said that is their policy and that customers need to call in before paying off a balance. Nowhere on their website or statement does it inform customers that they need to call in before paying off a balance. In addition they state that your account has to have an offer before any interest can be waived which customers are also not informed of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: PENTAGON FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
I applied for a loan with pen fed credit union they said that I had XXXX score I checked my score is XXXX and I can prove it so I feel they slandered my name and they should be held accountable in my eyes for slander and the unfair loan act if you have any more? please let me know 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 2017-11-27
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
There is incorrect information on my report when I dispute it, I was mailed a letter stating that is was verified, when there is no way the could 've verified it, I contacted the clerk of courts and they stated they do not verify anything over the phone or by mail the only way would be to come to the office with the social and it was actually have to be the person in question.

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 2015-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I requested a new credit card from Capital One after having repeated issue with the billing department XXXX.  Capital One did issue me a new card with a new account number HOWEVER they DID NOT ADVISE me that unless I blocked XXXX from further access to my account XXXX would be able to access my account through a "credit card ID number".  Once XXXX did charge my Capital One credit card, Capital One refused to block XXXX after I filed a dispute stating that Capital One would remove the XXXX charge HOWEVER after a 90 day  investigation would place the charge back on my credit card if XXXX states I owe it.  To begin with the dispute is between me and XXXX, Capital One needs to stay out of the situation ESPECIALLY since Capital One did not properly advise me about XXXX being able to have continuous access to my account "no matter how many times the card is reported as lost or stolen".

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Flagstar Bank, N.A.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I made a payment to Flagstar in the amount of {$1200.00}, to be applied to my escrow account. The money was misapplied : 1 ) a part was applied to a future payment ; 2 ) the balance to the principal. This was NOT the direction I gave when making the payment. I continued making my payments timely and in full, not realizing that the payments were ahead because I often make extra payments per year to pay down the loan balance. Now a year later I learn that the {$1200.00} was NOT applied to escrow, resulting in an increase of my monthly payments from {$810.00} to {$1000.00} per month. Additionally, I now have a new escrow shortage balance of {$1800.00}. I just learned this today XXXX XX/XX/XXXX XXXX, even though I have been reaching out to Flagstar for weeks trying to understand why my monthly payment was going up so much. 

I feel like this company is making me PAY for their mistake. They are unwilling to correct THEIR error, but instead are forcing me to pay. I feel that people should be warned about Flagstars practices and how they do business. I am a person who pays my bills timely and do not deserve what's happening at the hands of this company.

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: Synovus Bank
State: NJ
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:
please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft FSTPROGRESS Account XXXX : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: SYNCHRONY FINANCIAL
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:
I believe Synchrony bank conducts business in a predatory manner. When they offer deferred interest and demand that you receive statements online in order to qualify, it's easier to miss the due date. I incurred {$4100.00} in interest on a XXXX purchase. Yes, that's 41 % of my initial purchase. I made my payments on time each month and paid more than the minimum required but I'm a senior and in the process of retiring and moving my files were not easily accessible. I thought I had a 24 months interest free period when it was actually 18 months. Since I've had credit with Synchrony in the past and always paid on time, I called to ask for a reduction of the interest - they denied me. Their interest rate on my new balance is {$200.00} per month, with the deferred interest added back on. This means if I kept making {$300.00} payments it would take more that two years to pay off the rest of the balance and they would have collected more than 100 % interest on a {$10000.00} purchase. This seems excessively greedy and predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: OH
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 am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: NAVY FEDERAL CREDIT UNION
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We are under contract to buy a home and had been working with Navy Federal in the mortgage process. We received pre-approval in a relatively timely manner and a loan estimate via email after repeated phone calls and email attempts. When we decided to use Navy Federal as a lender, we began calling with questions for our loan officer. We called approximately 60-70 times and left at least a dozen messages for both her and her listed supervisor. We have still never spoken to her or her supervisor on the phone or received a call back, only sporadic emails ( maybe 5-6. ). Getting increasingly frustrated with the lack of contact, we called NFCU general phone number on two occasions. The first occasion resulted in the agent going in to speak with our loan officer ( XXXX XXXX ) then relaying information to me, namely that XXXX was too busy to talk and that we would receive a call back. We did not receive a call. XXXX business days later I called the general number once again and was told that XXXX was in the office but could not be reached. The call was escalated to a supervisor. The supervisor informed me that he would email XXXX and her direct supervisor but that no other action could be taken to assist us. When asked what a reasonable time frame in which we would be contacted, he stated that he was unable to predict the future. We inquired on both calls with the customer support about switching loan officers and both times we were informed we could apply for a new officer, but would not be able to get one within our closing window to avoid delaying closing date ( deadline of XX/XX/2019. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I want to establish a payment plan on the Gap card debt but the company is not accessible. They are offering no customer service. When one tries to contact them via telephone there are excessively long wait times and there is never a customer service agent via the online chat feature. The company is making it impossible to work with them and they are offering no assistance for people affected buy COVID-19 related hardship. They are predatory, and just keep harassing for payment. They also closed my account after several years having this card and many years of on time payments. If this isn't resolved to me satisfaction, I am going to report this to XXXX XXXX, my Congressman.

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 2019-09-19
Company: HW Holding, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Started receiving harassing calls at my office regarding breaking a lease with XXXX XXXX XXXX in XXXX, KY in XX/XX/2019 from Hunter Warfield representatives. Received calls daily for several weeks until I learned I could send a written notice telling them to cease and also request proof of debt. I was not under a valid lease agreement and have provided the collection company proof of such but they continued to claim I owe the debt. What they sent me is exactly what shows that I was not living under a valid lease agreement. They had provided a copy of a lease that expired 6 months prior to me vacating the property. Called Hunter Warfield on XX/XX/2019 to try again to show them I was not living under a valid lease agreement and ended up talking to someone named XXXX that identified himself as a senior manager. All he did was talk over me, threaten to ruin my credit score and argue that the lease agreement was valid when it clearly isn't. The apartments ' management company, XXXX XXXX, turned this over to Hunter Warfield without ever  contacting me which makes me wonder if they knew they didn't have a leg to stand on so they'd see if an aggressive collection company could scare me into paying something I wasn't responsible for. My rent was current and paid in full prior to my moving out. I had given them more than 30 days notice and even told them they could keep my {$200.00} deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: AES/PHEAA
State: NY
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:
In XX/XX/2017, I made a monthly payment to my federal student loans serviced by the Pennsylvania Higher Education Assistance Agency. The payment cleared my bank account the next day, but didn't clear their system. When I called to inquire about the matter I was told I just needed to wait " 2-3 business days. '' I waited, the payment didn't clear their system, and my loan was put into late payment status. I called again, was asked to submit proof that the payment cleared my bank account. I did this, and the response was, " you have to wait 7-10 business days for us to investigate the problem. Sorry, there seems to be a 'glitch ' in the system. '' It took a month for them to push the payment through the system and post to my account, with me following up via phone every week. I spent hours on the phone with multiple people, having to explain the problem each time. While I was waiting and growing concerned about the fact that my loan was in a 'late ' status and quickly approaching the next payment due, I was told to " not worry about it because we only report past due accounts after 90 days. '' Excuse me, but this is utter incompetence. And I have no recourse to rectify these problems when they occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, 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:
I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: OH
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:
No Contract with creditor. 
Refused to validate the debt per Federal law requirements Would not provide a forensic analysis as requested to prove account balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: CORELOGIC 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: Personal information incorrect

Complaint:
MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I have attach my proof of ID and address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: OpenRoad Lending
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Open road auto shared my information with XXXX XXXX and subsequently they did to XXXX without my approval. I applied to refinance my car in XXXX when they received my information but the issue in question is from XX/XX/XXXX and I did not apply for any credit then. XXXX XXXX gave me their information but I was unable to contact them after waiting on the phone for more than 10 minutes twice on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Navient Solutions, LLC.
State: CA
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:
On XX/XX/XXXX I became XXXX ( not related to the virus ). I contacted the servicer for my Department of Education student loan ( Navient ) to change my Income Based Repayment plan. They acknowledged receiving my application and income verification documents. The student loan payment I made on my Income Based Repayment plan in XXXX was {$640.00} but then based upon my XXXX IBR application they changed my payment amount to {$1500.00} Under my XXXX insurance, I receive only XXXX of my regular income. This should apply to my Income Based Repayment plan as well, thus my recalculated student loan payment should be {$420.00} and this is the payment amount my IBR plan should indicate until my income changes or the one year IBR annual renewal occurs. 

During XXXX  school ( starting in XXXX ) I obtained student loans from several sources, however many years ago I refinanced all my student loans with the Department of Education at an interest rate of 4.25 % - then at some point Navient began collecting the payments. I understand that under the CARES act these student loan payments are not to be collected between XXXX and XXXX. 

Although currently on a XXXX, I am employed by a XXXX XXXXy XXXX XXXX XXXX for 4 years and have made monthly payments on my IBR plan going back at least 18 years. I worked for XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  at XXXX, XXXX XXXX, XXXX XXXX XXXX, and founded XXXX XXXX XXXX in XXXX. If my 5 years of work for the XXXX XXXX XXXX ( in the Kingdom of XXXX ) had been through the XXXX XXXX, or if I had been working in XXXX XXXX through XXXX XXXX XXXX, then that employment would more clearly apply toward Public Service Loan Forgiveness. But I believe that my employment during this period does apply toward a Public Service Loan Forgiveness. Is not working for the XXXX XXXX XXXX XXXX XXXX XXXX   also public service? I believe that it is, and thus a combined 4 years at XXXX, 5 years in XXXX, and 15 months at the XXXX XXXX XXXX program applied towards PSLF should release me from any further servitude to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 got this account that does not belong to me and i want it to be remove from my credit report. 


1. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

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