BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, our homeowners ' insurance company, issued a check dated XX/XX/XXXX for {$6400.00} to us and the holder of our Note, XXXX XXXX. After XXXX 's attorney gave us the address, we sent it to Select Portfolio Servicing per her instructions, on XX/XX/XXXX. I received no response and called to find out the status in late XXXX. No one knew. On XX/XX/XXXX the check expired. On XX/XX/XXXX, Select Portfolio returned the expired check to us, saying that it must be issued to SPS, as XXXX is the " prior mortgage company '' although XXXX is the Plaintiff in a foreclosure action against us. On XX/XX/XXXX XXXX reissued a check to us. Since this check never arrived, XXXX reissued another on XX/XX/XXXX. I sent this check to SPS. Payment was stopped on this check when SPS said it did not arrive. XXXX issued another on XX/XX/XXXX which I sent to SPS. I then called SPS. I was told that no inspection was needed as it was a private insurance check and that it would be indorsed to us shortly. On XX/XX/XXXX, XXXX, I received a letter from SPS dated XX/XX/XXXX saying we need an inspection, a worksheet, the endorsed check, a signed contract/proposal and a waiver of lien, among other things. The check was enclosed, and we signed it and returned it. I called again, and this time was directed to call the XXXX attorney 's office as the mortgage was in foreclosure. The attorney had no idea what I was talking about when I discussed the insurance check and problems. I called SPS again. I was told that none of the items in its XX/XX/XXXX letter were necessary because the claim was not being paid by SPS 's insurance. No one knew where the check was, but I was directed to a site for collections. On the company collection website, it appeared that whichever division this is believes that the payment is coming from SPS 's insurance. On XX/XX/XXXX, XXXX reported that SPS had cashed the check. I called SPS and was again directed to call the attorney for foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint is geared towards the benefits of the CARD act of 2009. The card act states that the card company must apply payment towards highest APR for any promotional balances on your card except in the ending 2-3 billing cycles for a lower APR. 
CITI bank credit card FAQ reflects this information and even references the CARD act in multiple locations on their website. 

Here is my problem. I had an introductory balance transfer at 0 % for 18months. around 12 months into it i did a balance transfer at 1.99 %. For the last 6 months of the 0 % very little of my payments went toward my 0 % balance. I expected payments made during the last 2 or 3 billing cycles to be applied to the balance so i paid accordingly to get my 0 % balance to {$0.00} so as to not have a balance that rolled over to 15.99 %. This was not the case and the majority of those last 2-3 payments went toward the higher APR balance. 

CITI told me that only the payments made after the balance has been rolled into the 15.99 % will be credited toward the lower APR ( basically it would be impossible to pay off any substantial amount before 0 $ promo ended ).

I mailed a letter and payments, statements, and screenshots from their website indicating such information to CITI and I received a letter back stating that they only apply payments to the higher interest rate. WHICH IS WRONG!!!! 

After the final bill came out with the 0 % balance switching over i paid the balance and it still was not reflected on the proper balance so i ended up getting a few hundred dollar balance with interest acruing on it. 

I asked for an extended period of 2 or 3 months to make additional payments against at 0 % since they did not honor the CARD act properly. I was given no such option.

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: EQUIFAX, INC.
State: NC
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:
XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called XXXX times and they kept giving me the run around. I 've sent in the proper documents and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Us bank keep charging me hidden fees, my account comes with XXXX free atm transactions a month and they charge me for XXXX transactions and i only recieve XXXX free atm transactions. So they charge me {$7.00} of atm trasactions and that gave them a reason to charge {$27.00} for extended overdraft fee but it dont stop there now they will continue to charge {$27.00} for every 8 days. I barley get XXXX dollars of SS XXXX income and i have XXXX kids and this is not right for a bank to take advantage of people like this. please take care of this issue. then if you over draft your account it will be charge XXXX dollars for each overdraft and XXXX dollars for every eight days while your account is in the negitive. they stold XXXX dollars from me last month and they keep stealing from their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Campus Student Funding, LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a former student of XXXX and was forced to take out student loans through XXXX XXXX. I recently reviewed a new article alarming students to contact you and file a complaint if they became a victim.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Navient Solutions, LLC.
State: OH
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:
On XX/XX/XXXX I received an email saying the terms of my account have changed. Right after I recieved and email saying the status of my account was changed to Disaster Forbearance. I didnt make this change to my account so I called to get it corrected. Because my address on file was in an affected area of hurricane Irma, I automatically qualified for my account to have disaster forebearance. I didnt want my account to have this because I would have capital interest and my payments would have gone strictly to interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) XXXX XXXX indicated that my last mortgage modification would bring my loan current to XX/XX/XXXX. My loan was brought current to XX/XX/XXXX. This was escalated for resolution and has yet to be resolved. 

2 ) I wrote a letter indicating issues with my mortgage modification and that I wanted to proceed with a Bayview in-house modification, and I sent in the request for resolution within 30 days after signing ( the instead offered and accepted HAMP mortgage modification ) documents to indicate issue. This has yet to be resolved. 

3 ) I sent in all documentation requested of me by XXXX XXXX ( and XXXX XXXX ) and communicated regularly with employees at Bayview Loan Servicing to indicate my intention to avoid foreclosure. I have complied with sending any and all documentation requested to qualify for work out options. This has yet to be resolved as work out options have not been communicated to my attorney ( to the best of my knowledge ). 

4 ) XXXX XXXX told me in recorded phone conversations that I would be eligible for a repayment plan, and then would n't get back to me until after my mortgage was referred to foreclosure attorneys at XXXX XXXX XXXX XXXX XXXX attorneys, resulting in thousands of dollars of extra fees that included payments due that were to be deferred in my principle balance, and then authorization was given twice to proceed with scheduling a foreclosure sale of my home. This is dual tracking in Minnesota and extremely poor business conduct, which has led these issues being addressed today. 
I am submitting this complaint to indicate that I am still trying to resolve these issues. 

5 ) My attorney has requested all work out options available to me from Bayview Loan Servicing,  and has yet to receive these options, to the best of my knowledge. Please send them. 

6 ) I am trying my best to work with Bayview to collaboratively avoid foreclosure, which has been my stated intention all along. It is in the best interest of everyone involved to avoid foreclosure of my home. I request resolution of these complaints and ask for any and all assistance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express has inexplicably frozen my rewards account which is over 5 years old. Due to me not being able to redeem my points I am unable to purchase flights that are on hold with their transfer partner, XXXX. Furthermore, they stated they will take XXXX8 weeks to review the account which will not be complete until after their 40 percent transfer bonus expires. I will now have to purchase the flights I had on hold for {$6000.00} since they will not let me use MY points. No points bonus has been applied to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is XXXX XXXX, and I am submitting this complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.

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 2022-08-27
Company: AES/PHEAA
State: WY
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 applied for the Student Loan Forgiveness program. I tried to upload information that would be lost or denied. I have several part time non profit jobs and that was a problem to the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 AND TRANSUNION IS NOT RESPONDING MY LETTERS. 

Please have them do their job and respond to the letter thats attached below.

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 2022-08-27
Company: EQUIFAX, INC.
State: VA
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:
XXXX had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries where replaced on my XXXX in batches by XXXX illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received the Netspend All-access debit card which I never applied before. Card number, valid-through date, cvv, and my name are on the card. Even account number and routing number are on the welcome letter. I called the customer service of Netspend, they admitted that I didn't apply for the card and that I would have a new account once I activated the card. It's so tricky that they sent the card which are identical to the genuine debit card yhen they can chage fees after people who don't know the trick and activate the card. My personal information is also leaked.

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 2015-11-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've submitted 4 disputes for the same XXXX accounts and Equifax keeps saying they verified the information with WA state child support. I contacted the child support agency and they state they have never received a dispute from Equifax. I contacted the WA State Attorney General who contacted the Child Support Office and Child Support intern stated they would contact Equifax to have the accounts removed. I submitted the letter to Equifax along with another dispute and Equifax refuses to delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX Balance Owed : {$9400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUNion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX CARD Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020

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 2017-02-22
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold to Seterus. I was late with my payment XXXXfor XXXX XXXX,2016. After that, they mailed my payments back and told me not to send them unless it was the full payment which included tons of fees. Now they say they do n't have my modification papers even tough I sent them everything. Today they will auction my home unless I pay them {$30000.00} this morning. I will be homeless after this and be out all te money I have put into our family home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CITIBANK, N.A.
State: PA
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:
On my XX/XX/XXXX billing statement the company had moved the billing cycle date and I missed paying off the entire balance by {$74.00}. 
I noticed this and paid the interest due and the entire balance the following billing cycle on XX/XX/XXXX. The interest charge was {$10.00} which seemed in line with the 14.99 % rate so I did not question it. 
on XX/XX/XXXX I noticed another interest charge for XXXX. I called the service line. They told me that because I missed paying off the {$74.00} on my XX/XX/XXXX billing cycle that I would be charged interest on my average daily balance card use. So even though I paid my account in full they said they had the right to charge me interest on all of my purchases for 2 months using their average daily balance interest calculation .... 
After 3 phone calls they agreed to take off the interest charge since I always paid my account in full for 2 years and they moved the billing cycle dates.

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