BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The realtor has terminated the contract for the XXXX XXXX XXXX IL house. Due to the lender being unable to finalize the loan. XXXX I have to say that I am disappointed in the unprofessional, chaotic way in which this loan was handled. Documents sent, never seem to be put in the correct file. There was a cancellation of file # XXXX that held documents not transferred to the new # XXXX file. Resulting in missing information, or miscommunication of documentation already sent. Then the Appraisal was done when there should have been a recount of documentation first. Causing me to loose my XXXX XXXX dollars towards the purchase, of what looks like a loan that was doomed to be denied. Shouldn't have the XXXX been determined during precertification? Resulting in a waste of time for the Seller, Realtors, and myself.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, my phone was stolen with my debit card in the phone case. I am mediately reported this to capital One to ensure that my debit card and account was locked due to the nature of my information being compromised. A few days later I started to notice unauthorized transactions and fraudulent checks being deposited into my account. I followed up with capital one which they then froze my account and assets and said they opened up a claim. My account has always been in great standing, I have always had funds in my account and I have never even deposited a check into this account. The transactions that were unauthorized were at merchants Ive never even used before. I live in Arizona and the transactions took place in Texas and Illinois. Capital one denied my claim. And also close my accounts because of the nature of the situation. I am mediately submitted an appeal along with a fraud and identity theft report from the FTC. About a week ago capital one sent me a letter denying my claim due to the fact that my account was authenticated. They even included a report that shows that authentication took place in Texas and in Illinois and I have been to neither of those places. I lost about {$7000.00}. My entire savings. Capital one will no longer answer my emails and keeps informing me that there is nothing they can do. Only was I proactive about the situation but I am very frustrated and cant even pay my rent this upcoming month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing to request the income based repayment option that Sallie Mae assured would be possible when I originally took out these loans. I graduated in XX/XX/XXXX and have obtained a job making XXXX a year, which does not afford me the ability to make the full payment without an income based payment plan. Since graduation, I have attempted to work with Sallie Mae without success. Since I can not afford to pay my whole paycheck, I utilized the rest of my forbearance in hopes of a better option. I also contacted Sallie Mae to discuss whether there were any options left to me, since when I took out the loans, I understood that there would be repayment options like income-based repayments, that would allow me to pay on principal and interest at a lesser amount. 

I have now been told that this is not the case. In XX/XX/XXXX, a Sallie Mae representative spelled it out like this on the phone, I was only given the following repayment options : 1. Take the last of my forbearance option to stall payment during that month of hardship 2. Go to a third part institution and try to refinance my loan 3. Default and hope that once the loan is in debt collection, there might be other payment plans offered to me And that was it. Sallie Mae 's tactic, find a way to pay the balance, refinance through a different company or go to collections to see what repayment options are left to me. None of these ideas are remotely close to the repay back options I was told would exist when signing up. 

Instead, I am left with horrible options that risk my credit and livelihood. Due to questionable business practices on your end, I am carrying the burden of more student debt then I should ever had been issued. I would pay the amount back, if I ever could touch principal balance and start paying my debt. Instead youve made it impossible to succeed in payments, inflated the amount of debt I owe with added fees and regulations and have pretty much guaranteed my failure at repayment. 

These are questionable practices in trying times and I thought that you should know about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are six unauthorized hard inquire 's on my report when i spoke to a rep from transunion they said there was nothing that can be done cause the inquiries are a statement of fact, but they are not, i didn't autorized any of the five creditors to run my report and there is also fraud alert on my file but they still allowed my report to be access with out my autorization, see dates below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-02-17
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I was sick with Covid-19, I called US Bank Home Mortgage for assistance with Mortgage payment being suspended until I returned to work, I was put on a Covid-19 Plan with payment suspension options. They gave me XXXX  months, XXXX, XXXX and XXXX, I am able to restart paying me regular Mortgage payment of {$1000.00} starting in XXXX. When I call US Bank Home Mortgage regarding this Covid-19 plan, I was told that I would be able to work out a repayment plan once I came off Covid-19 plan. Once I submitted application for repayment I was told I didn't qualify for repayment or a Modification or anything else. I understand not being able for Modification, because I just had one in XXXX of XXXX. I was told the only thing I can do is try to repay the past due amount myself. US Bank Home Mortgage was well aware of my Chapter XXXX Bankruptcy and Modification in XXXX. I was on the Covid-19 plan and they told me I doesn't matter, I should still qualify for a repayment once I'm off the plan. I called today ( XX/XX/XXXX ) and spoke with XXXX in collections, she told me the only I can do at this point is try to get caught up on my past due amount on my own. I don't think this is fair and I should have been told this when I call to get help, when I had Covid-19. Now I am worried that if I don't pay this amount soon they will try to Foreclose on my home. I am in active Chapter XXXX Bankruptcy and I have been current with my monthly payments up until XX/XX/XXXX. 

Please help.

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 2022-07-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX {$92.00} XXXX  XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX XXXX {$730.00} FRAUDULENT  APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: LA
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:
XXXX XXXX, XXXX TO WHOM THIS MAY CONCERN : I am wanting to file a complaint against Navient dealing with my student loans. I have been dealing with this issue since XXXX XXXX and can not get a definite answer to a monthly loan payment. I am unable to afford what Navient is expecting me to pay. I have talked to many individuals who will give me an amount I am able to afford, and then I will get a bill for a different amount. When I call about this, no one can help me. They tell me I must pay {$5.00} to work on this. I have attached documents that Navient has sent me showing different payment amounts. I have been trying to make payments since XXXX XXXX. Right now, I am able to pay {$260.00} a month. This is the payment that XXXX ( ID # XXXX ) told me would be my payment. When I called in to make my payment that is due XXXX XXXX, XXXX, Navient told me the payment would be for {$570.00}. I was told that by XXXX ( ID # XXXX ). No one can tell me who I need to talk to, so that I can get my payment to one that I can afford with my net income and supporting my wife and two children.
Navient has only given me the two options : one, pay the {$570.00} a month or two, put the loans in  deferment and pay the {$260.00}. That is basically throwing money away. 
While dealing with the Navient issue, a company called XXXX XXXX XXXX XXXX reached out to me and told me they could consolidate my loans with me making a payment of {$150.00} a month for twenty years. I did this after being unsuccessful with help from Navient. After paying them {$190.00} for three months to process the loan, I found out it they had been taken over, and they were a fraudulent company. I was informed of this by XXXX XXXX and XXXX, XXXX who told me to stop withdrawals from my XXXX bank account. As you can see, I have tried everything. I am ready to start paying my student loans, but right now, I am only able to afford the {$260.00} a month. 
I have attached the many different statements Navient has sent me. Please let me know what I need to do to get affordable payments, so that I can begin making payments. 

Thanks, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

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 2017-10-17
Company: CITIBANK, N.A.
State: NJ
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:
My credit card was stolen approximately around the XXXX of XXXX of XXXX. I was not aware as I am sick and I do not check my wallet very often as I possess many cards. The card company is Citibank. I have called numerous times stating that I did not make any transactions after the XXXX of XXXX. The issue also is that the card company allowed the person who stole my card to spend over my credit limit. My credit limit was only 8,000 and they allowed the perpetrator to spend close to 12,000 without my authorization. The card I possess is the XXXX XXXX XXXX XXXX by Citi. Every time I call, they are very nasty to me and I have tried everything in my power but to no avail. There were no transactions processed on my account after XXXX XXXX. I had called for a replacement card and they sent me a card with the same number and when I went to use it, I was stopped inside of XXXX and pulled over to the side as if I was in possession of a stolen card. I called Citi explaining them what happened and in a very nasty manner, they suspended my account and told me they would send a new card. This horrific experience has left me to the point of bankruptcy. I am XXXX XXXX XXXX with very little income. Please help.

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 2017-10-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX XXXX XXXX when I was listed as an occupant on the lease agreement. I wasent living there the whole lease term I would stop by a few times and I have spent the night so my aunt decides to move and they have a balance of 1 months rent on my credit and the credit agency is saying that since I was over XXXX at the time she moved out I am being held responsible for the debt! Now that Im trying to get my own place on my own

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
in accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX  account XXXX auto loan date opened XX/XX/XXXX account charged off {$4500.00} written off {$5400.00} as of XXXX 15 U.S.C 1681 section A, states I have the right to privacy 15 U.S.C. 1681 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instuctions

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 2022-07-16
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover Sent a card to my address in the name of " XXXX XXXX '', no one with a name even close to that lives here. I think an online scammer may have gotten the home address. I shredded the envelope completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection in XX/XX/2019 to my name and address from Afni regarding creditor account XXXX originated from XXXX for {$260.00}. I have never done business with XXXX. I have contacted both Afni and XXXX. I need this debt to be removed from my name and address immediately and also not show up in my credit reports. Please do the needful as soon as possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I received documentation that USBK COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information TRANSUION received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 



Docket # XXXX USBK COURT MARYLAND Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose

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 2022-07-16
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:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: NY
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've been going back and forth for the last few months with Experian about these particular accounts and it's ridiculous. It needs to be removed ASAP. Experian has stated my account was properly investigated but how is that possible if the information on my Dept of Education Account # XXXX is inaccurate. How was it even possible to be 90 days past XX/XX/XXXX then reflect that the account was in good standing up until XX/XX/XXXX but have the account reflect that it was 120 days late in XX/XX/XXXX this is ridiculous. The information all over the XXXX XXXX Account # XXXX is inaccurate. The high balance is inaccurate, the date of last activity is inaccuarate, the date reported is inaccurate, the date opened is inaccurate, the last payment is inaccurate, and the credit limit is inaccurate. Literally Experian is claiming the account was not charged off until XX/XX/XXXX, XXXX is claiming the account was charged off XX/XX/XXXX and they received the last payment XX/XX/XXXX, and XXXX Is claiming the last payment received was on XX/XX/XXXX. The information is all over the place. Experian is literally the only credit bureau claiming that my XXXX XXXXXXXX XXXX Account Number XXXX was closed/charge off in XXXX when it should be XXXX they have the date wrong the XXXX XXXX XXXX account is literally supposed to fall off credit this month due to the 7 year rule but they literally have the wrong information and tried add another year to XX/XX/XXXX. It has literally fallen off my other credit reports lets stop the XXXX XXXX and properly do your job Experian. This is ridiculous I shouldn't have my life XXXX near ruined due to your incompetence. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy XXXX5 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish without my written instructions.

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 2022-07-16
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:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation