BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This problem is with Regions Bank. XX/XX/19 I had my Direct Deposit to come through. On that said date i paid some bills and etc. By XX/XX/XXXX I looked and I only had {$1.00} and i thought o wow. So i transferred the {$1.00} onto another card. When i went back and looked it showed me XXXX balance. So then i did overdraw - {$190.00}. Which in my checkbook register it shows now i should owe the bank - {$230.00}. The next day XX/XX/XXXX it first shows i am - $ XXXX.I was like what? Then with my very on eyes while i was on the website i saw my transactions move..it then went to - {$680.00}. Then it shows - {$480.00}. And that is what they are saying i owe. I called there 800 number they would not fix it cause they said it was pending..what no i have proof of receipts it came out then. It usually always come out as soon as i use my card. Few days later i talked to someone at my local branch and she said it was because of pending transactions i told her that is not possible that i had my deposit to cover those. She said its because they go form big to low in posting ordering. I said that is not my fault. Well the lady from my local branch sent me some documents..but it does not show when my deposit was made..but it does however show that it was and overdraft fee of 2 pending which was the {$1.00} and - {$190.00}. so i thought why did they do this on my {$1.00} when that was not overdrawn, But it shows what my debit card paid most all on the XXXX that it was NSF,. How could it be NSF when i had my Direct Deposit few days before to cover these bills. Now i know i am at fault for the - {$190.00} plus {$36.00} fee..and i don't mind paying that. But they took {$250.00} in fees from me. I called the 800 again and they said it could not be waived cause i already had 1 in XXXX which by the way i caught and told them that was not right and they waived it..so in XXXX that was their fault too. So XX/XX/XXXX I was on Regions Bank XXXX page seen how they have done this to alot of people. Alot was mad..and i made some comments., when i did someone from Regions told me to email them my phone number. So i did. She called and said she was just in the complaint dept. Took all my info..but didn't really say what she was gon na do., but said i don't know if i will call you back or not. So how am i supposed to know if they look into it? I just want my {$250.00} fees waived back to me! This thing they do which is called reordering transactions should be illegal. Thank you for your time in reading this.

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 2019-09-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a variable rate mortgage. The interest rate resets each year. The " new '' rate is determined by taking a base of 2.25 % and adding in the 1 year Libor rate as of XX/XX/XXXX of that year. On about XX/XX/XXXX of each year, I get a notice telling me that my loan percentage is goingto reset and what that reset % would be if it were done on that date. This year, when I received my " reset '' letter on XX/XX/XXXX, it told me that my new rates was going to be 4 7/8 % based upon the fat that the current 1 year Libor rate was 2.61425 %. That percentage plus the base yielded a 4 7/8 %  rate. 
However, the 1 year Libor rate changed dramatically between XX/XX/XXXX and XX/XX/XXXX ( went down from 2.61425 % to 2.15 % ). My contention is that my new loan rate should be 4.4 % ( 2.25 % base plus 2.15 % 1 year Libor ) or at worst 4.5 % if they round up rahter than the 4 7/8 %  which I cam currently being charged. 

I have called the loan processor 4 times attempting to get this question answered to my satisfaction. In spite of numerous attempts to do so, I have not gotten a satisfactory answer as to why the rate is what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
In 2018 I called the creditor which is capital one several times about complaints of the mount was being taken out of my account So that I may not get charged for affinities of late thes and other fees so I can get caught up I thought we understood each other they did not confirm the entered a deal I did mine I don't know what happened I want this taken off is very unfair situation I called and work with them several times they're not given the credit they saying that they given you credit in and taken off the the late fees and next thing you know you make a couple of payments in your right back at it again I've already report to the FTC Several times so I'm gon na say this again have you have no proof of this estab son that this is mine and every other thing that is all my credit that is really unconstitutional this is my credit supposedly I should know what is mine and what is not mine I want is taken off you guys have 15 days not 30 days to the of all ready given 30 days to creditors and they're not responding I want this taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every XXXX of every month for several years, I have been charged for debt protection on my Citibank Best Buy Credit Card in the amount of {$49.00} plus interest. I never agreed to have debt protection on my account. I am not financially stable enough to have any additional charges on my account. The reason I never noticed anything until now was because I don't use my Best Buy Credit Card that much. Whenever I make purchases, they're usually large amounts ( i.e.television, laptop, etc. ) and I opt for interest free for those purchases. Whenever I open the main menu in my account, I see two large purchase amounts with expiration dates of when the interest free is over with. It doesn't mention any additional charges. Those debt protection charges and interest are tied into those two amounts, which are not noticeable unless I open a statement. I called an agent at Citibank to inquire about my statement and she informed me about these debt protection charges. She advised me to notify their dispute department. I reached out to their dispute department and there was nothing they could do about any one of those charges. I spoke with a manager letting her know my concerns and she could not do anything for me. I even went the sympathy route of reminding her that I have been a customer for more than 15 years. She still would not assist me. She did mention that the debt protection is something that customers need to opt out of when they sign up for credit card services. I was a little confused because it sounded like it is an automatic charge on the account when I sign up unless I opt out of it, but I was never informed about debt protection. This entire debt protection seems like a scam. This entire incident has really hurt me financially. I have only been paying the minimum balance because there isn't any interest on my account. However, interest has been accruing because of the debt protection. I can not believe that I did not catch on as to why my balance has not been much lower.

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 2017-11-21
Company: ACS Education Services
State: IL
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 contacted ACS repeatedly regarding my payments being too high and me being unemployed and was told forebearance and deferment are my only options. Then a friend told me about the income based repayment plan so I asked ACS. They sent over the paperwork to fill out and I did it. I spoke to them when submitting to make sure everything was accurate and he told me I had to use my unemployment as income so I did. I said what happens after I turn it in? He said you just do nothing, make no payments, and wait to hear back from us. So I did. After a few months ( Im a single mom trying to make it through day to day so remembering to check on my status wasnt at the top of my priority list. ) I remembered I had submitted it and hadnt heard so I called and they told me that it was denied because I made too much money on unemployment at $ XXXX before taxes. ( After speaking to someone else at ACS I found out I wasnt supposed to put my unemployment on there at all!! So if I was given correct info I would have been fine. ) I didnt resubmit because I was currently working on a 4 week project and so I was told there was nothing I could do. The problem now is all those months I wasnt paying because I was told not to went into my credit report and they refuse to remove them. So now I am trying to find an apartment/but a home for my child and I and I cant because I have too many late paymentS from ACS and so nobody will even rent to me! So now I had to move in with my parents at XXXX years old. Its ridiculous they can do this and not be held responsible for single handedly ruining my life. 

Looking at my account- my principal borrowed was around {$11000.00}. I have paid over {$7000.00}. Yet somehow my remaining balance is around {$14000.00}. How is that even possible?! My loan has over doubled??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
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:
I sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute.

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period.

I sent a certified letter to Trans Union stating that XXXX XXXX XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported.

Trans Union has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.

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 2021-08-06
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX XXXX AND ON XXXX XXXX i was contacted by debt collection company by the name of south west credit systems in regards of a debt .ias a consumer and a natural person i am not obligated to pay an ALLEGED DEBT ..i have asked this company to remove my number from their files cause they have the wrong person ..im demandind this company do not resell this false debt to no other debt collector. THIS COMPANY HAS CONTINUED TO HARRASSED ME ..THIS IS A VIOLATION TO MY RIGHTS AS A CONSUMER ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: U.S. BANCORP
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-09-29
Company: Resurgent Capital Services L.P.
State: IL
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:
Hi I just graduated XXXX XXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my high school counselor Told it to me. when she help me apply for colleges. and loans for  school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
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:
When attempting to ask for a goodwill request over the phone, the 3 customer representatives that I had spoken to had recommended that I send in a letter explaining that I would like my credit card late payments to be removed. However, after nearly two months, I have not gotten any response from Capital One. The customer service representatives have been trained to direct any questions to the capital one office in Utah.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
wells fargo forclosed XX/XX/2018 after 2 to 6 times tried to a modify i want to know the numbers and how much we were off by on each denial thank you

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 2018-10-18
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with a rep at Quicken Loans about refinancing, I decided to pursue a different avenue and he left me alone. The I got emails and text back and forth with another rep and indicated my biggest  issue was their persistence. After being done with her I kept receiving numerous calls from XXXX ( XXXX ) XXXX, 7 in the past 2 days alone, 2 I answered he just recorded my voice and hung up. There are also a few other numbers I think are them as well ; ( XXXX ) XXXX called me 5 times in that same span.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX TransUnion is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX  is reporting no late payments and XXXX  is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2021-09-16
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:
TransUnion is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by transunion to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.

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 2019-09-29
Company: CITIBANK, N.A.
State: IL
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:
Hi I just graduated XXXX XXXX, I just enrolled in XXXX  and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

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 2020-11-05
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: Information belongs to someone else

Complaint:
I am filing this report today XX/XX/2020 because I found five accounts and a few inquiries on my credit report that does not belong to me. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019, received notification that a negative account was placed on credit report. 
I never heard of this company. Never signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: AFNI INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is old from XXXX and the company keeps putting in my credit report that the account opened year after year after year for example they said it was open in XXXX they said it was opened in XXXX this credit is this debt is like 12 years old or so and they just keep putting that information on my credit report and won't stop. 
My name is XXXX XXXX and the company that's trying to collect his afni

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: NY
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:
terrible company with horrible customer service. Navient does not try to help you whatsoever. After my rate reduction program was over I went to check what my payment for the month of XXXX would be hoping I could afford it, when I checked it said {$0.00} due, this was just a few days before the payment was due ( XX/XX/18 ) Then I noticed over {$450.00} was taken out of my account automatically. I was also told before, by customer service, that automatic payments would stop once the program ended- clearly not true. Now I no longer qualify for the program for some unknown reasons. Their other options are limited and would not benefit me at all. They also do not provide reasons as to why you no longer qualify for certain repayment programs. Interest rates are at a ridiculous 10 %. Everything about this company is corrupt. I never even signed up through navient, never got notifications that they were taking over my Sallie Mae loan. I always mentioned to navient that this also is not the only company I have student loans with, so on top of this loan I also have to nearly {$400.00} to the other providers. I can not afford to pay {$1000.00} a month.

Company response to consumer: Closed with explanation