BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: Navient Solutions, LLC.
State: CA
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:
My loan has been serviced by six sharks since XXXX. Originally {$5000.00} total ( one subsidized, one unsubsidized ), it was issued by XXXX  XXXX XXXX. At that time I made some payments while still attending college. The second lender was XXXX. Then XXXX XXXX XXXX who really gouged me. Then XXXX XXXX and XXXX. I have been in college on and off the entire time. In XXXX I was called repetively at work to repay my defaulted student loan. I had already attempted directly to make payments toward my loan previously but received contradictory and confusing information. This time was no different. But I had a steady paycheck and I wanted to pay. I was informed that I could not start paying on my loan directly unless I wanted to pay the entire balance. Otherwise I must pay {$5.00} a month to another company XXXX for 9 months in order to show my repayment worthiness. Meanwhile my loan interest is growing and they garnish my tax return to the tune of {$3000.00}. In XX/XX/XXXX my combined loan amount is {$5400.00}. By XX/XX/XXXX the entire amount us {$8100.00} and appears to accrue about $ XXXX/month but sometimes they double up and give me two statements for the same month where the interest is more like $ XXXX/month. What happened between XX/XX/XXXX and XX/XX/XXXX? In 32 months I accumulated + {$2700.00} in debt. About $ XXXX/month. Hmmmm ... I didn't go to school for math but this seems deviant. 
After a year of making payments I am able to make payments directly to my loans again plus so much interest. Only I don't see where my {$3000.00} garnished tax return has made a dent my now over {$8000.00} debt. Only the Department of Treasury sends me paperwork about home much was taken without permission. I had a XXXX XXXX XXXX at home and was a single mother. This really hurt. So where did the money go? How was it applied? The loan servicer never sent any paperwork. Even today, after overpaying for 4years, I still wonder where my payments go. I understand the 6.8 % APR and that there is interest upon interest but I have now paid for this loan twice and still owe over {$3000.00}. Why? What do they really do with my overpayments anyway? What was the purpose of the lawsuit if not to protect people who have been abused by their predatory practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Skrill USA, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
A client of mine sent funds in US dollars - {$510.00} - from a XXXX account in the XXXX, via Skrill, on XXXX XXXX. When I try to transfer the US $ funds into my US $ account, I get the message, " USD bank wire transfer requests will be executed in EUR. If your request is in USD, by continuing this transaction you agree that we will apply an FX charge. Please check with your bank for additional costs if your account is not denominated in EUR. '' Skrill itself acknowledges that this fee is incorrect, as my client already paid the FX fee from XXXX to Dollars. My client and I have called and emailed Skrill to get this problem corrected, and we have even asked that Skrill return the funds to my client so they can wire me the money through other means, BUT SKRILL HAS NOT ADDRESSED THE PROBLEM AFTER 3 WEEKS FROM MY INITIAL COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I had dinner in XXXX of XXXX, PA and my wallet was stolen. The thieves took my wallet, money, credit cards and several other important documents/cards. I reported it to the police. Late the evening of XX/XX/XXXX and all day on XX/XX/XXXX, I notified my bank and credit card companies. I received permanent or provisional credit from all credit card companies and/or banks but Citibank. Around XX/XX/XXXX, I received my statement from Citi. It included in the balance they requested I pay, {$960.00} in fraudulent, disputed charges. I called customer service to request a credit ( even provisional ). Citi would not do so, citing a " pending investigation. '' I questioned whether anything was pending as no one at Citi had asked for any information - police report, police name, where card was stolen, etc. To avoid paying interest, I paid my Citi bill in total ( including the fraudulent charges ). Fast forward to XXXX, the police called to say the thief was apprehended and is being charged and being held in jail. I call to tell Citi and again request a provisional credit. They refused, citing a pending investigation. I sat on hold over an hour to have the call elevated to a supervisor. No results. I have no problem with Citi continuing any investigation. I see that as a separate matter to my request for a provisional credit. They are not investigating me. It is not easy to be out of almost $ XXXX at the holidays for charges you did not make and someone else was arrested for.

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 2022-04-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The account below is inaccurate on my Equifax consumer report ; it has no account name and only reports to one bureau. I believe you can't report an item if it lacks details, especially the account name. 

This item is violating my consumer rights under the Fair Credit Reporting Act. 

( XXXX XXXX : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Worked with Quicken loans to refinance home. They were misleading about lender fees therefore withdrew consent on application and went with another company. They charged my credit card  XXXX  $ without explanation or authorization. I never authorized this payment. They have some serious business practice issues with regard to misleading customers and not fully disclosing their fees. After they were denied my business they unlawfully charged my card. I am disturbed by this company being allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MI
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF EDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}

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 2018-02-22
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted last Friday by the debt collector. I told her I wasnt able to pay last Friday but I could The next Friday. She agreed and now there is a collection in my credit. I was paying Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been requesting for my PMI insurance to be removed since XX/XX/XXXX. Followed all the written requests and have tried on a monthly basis to get my request approved with no action from the mortgage company. 

I was told that in order to pursue my PMI removal request, that I would have to pay for the appraisal fee which I did pay for. This request was completed on XX/XX/XXXX and I was told by the underwriting department that a refund would be returned due to insignificant home improvements did not meet the guidelines of my appraisal request. 

I attempted to work directly with the loan company which continues to give me the run around and I am know filing this formal complaint. Copy of the last correspondence is attached below : XXXX XXXX. 

After review : your upgrades do not meet investor requirements as Significant enough to increase the market value of the home. 
After XX/XX/XXXX your loan will be over 2 years old and significant upgrades will not be required. 

Your appraisal fee of {$420.00} will be refunded. 

Thank you XXXX XXXX Escrow Tax Specialist Escrow Department XXXX , XXXX XXXX That Exceeds Expectations O : XXXX XXXX : XXXX | XXXX : XXXX A : | XXXX, FL XXXX | NMLS # 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 2022-08-16
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started to refinance my mortgage with BSI Financial Services in XX/XX/XXXX. We finally closed in XX/XX/XXXX. The loan broker told me I didn't have enough equity to borrow what I needed. My house had sufficient equity. The appraiser XXXX XXXX the worth of my house The Mortgage Counsellor said that I should go FHA and after 6 months that the mortgage company would waive the PMI. I took his word on it. It was done verbally over the phone. Worst thing that I have ever done. BSI said they have no record of my previous inquiries on this subject Now to add insult to injury my real estate taxes have not been paid the last 2 quarters. The first quarter payment was late and I am still carrying a charge of principle and interest from that. I was defrauded, duped and embarrassed by both of these situations. Please I need your help with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: MA
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 the victim of fraud. I first noticed this when one online credit card application was approved and instant credit granted to the perpetrator back in XXXX. Within a few days multiple online applications started to show up. Since that first time ( XXXX/XXXX ) I placed Fraud alerts on all of my credit report companies. I filed with police, filled out an identity theft affidavit and reported to internet crime complaint center as well as the department of the treasurer. On XXXX XXXX, 2017.An online application to XXXX XXXX  XXXX XXXX triggered a fraud alert to my email. I immediately called the XXXX XXXX XXXX XXXX told them that I did not apply for this and that it was a fraudulent application. XXXX XXXX XXXX CONTINUED TO DO A HARD INQUIRY ON MY CREDIT REPORT WITHOUT NOTIFYING ME. I asked the bank to remove the hard inquiry from my credit report as it was fraudulent. They said NO that it was their right to pull my credit without calling me- as they send letters instead. They also said that people lie all the time about identity theft AND THAT THE XXXX XXXX WILL CONTINUE TO LEAVE THE HARD INQUIRY IN PLACE UNTIL I PROVE THAT I DID NOT APPLY FOR THE ACCOUNT. I asked for multiple investigations with Equifax and was told that Eqifax will not remove the credit inquiry XXXX says the inquiry is not fraudulent. My identity was stolen, name address phone and social, I continue to be victimized, the information is right there on my credit report and this bank is treating me as a criminal. They should have not pulled my credit like the alert advises, AND she were instructed on the alert to call me on the phone to verify the information before pulling my credit. This issue is still on going. This makes no sense- and we need stricter laws on how and what types of information can be stored. My information was breached by some company - and the only users of my information are doctors, hospitals and banks. People have access to information without even a core check. Your being asked for the last four of your social all the time. No wonder ID theft has gone viral. People need to start fighting back. I also called my attorney general office - their response " We know its a problem- you have to take more protection. WRONG_ I do n't use debit cards- I do not shop on line- I do not pay bills on line, I shred everything. SO TELL ME How did my credit get breached? ITs the holders of all this required information that 's how.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: GA
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 a co-signer on a private student loan that was taken out in  XXXX  for my son to attend college. I filed for bankruptcy in  XXXX , and the  XXXX   XXXX  loan was discharged on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  was notified by first class mail on  XXXX   XXXX ,  XXXX .     My son is still paying on this loan, and when he misses payments, they call my phone several times during the day and send me emails. This happens after he has missed payments for several months, and a negative report has been made to the credit bureau. I was never told of a cosigner release.     In addition to receiving phone calls from Navient regarding late payments, i have recently received phone calls on : Saturday,  XXXX   XXXX ,  XXXX  @  XXXX    XXXX   Sunday,  XXXX   XXXX  @  XXXX   XXXX  Tuesday,  XXXX   XXXX  @  XXXX    XXXX    Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX   XXXX   XXXX  still reports missed payments to the credit bureaus, and it still appears on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've called every credit company and even sent in mail, and my addresses don't match up and the chargers don't match up, as well as I've seen hard and inquires hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've called every credit company and even sent in mail, and my addresses don't match up and the chargers don't match up, as well as I've seen hard and inquires hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello I hope all is well with you. On XX/XX/2021 I had sent in my third letter regarding inaccurate and not known to my knowledge things on my credit report. I sent my first letter on XX/XX/2021 and another letter on XX/XX/2021. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Escrow Review Statement received in XXXX 2017 showing shortage of {$2100.00}. 2 options : pay shortage by X/X/17 to have payments of {$2000.00} or have mortgage payments increase to {$2200.00} beginning X/X/17. ( See attached notification ).
<P/>
Payments to cover escrow shortage : X/XX/17 : {$1000.00} ( Total escrow payment {$2000.00} -- {$1000.00} was regular monthly escrow payment ) X/XX/17 : {$1000.00} XX/XX/XXXX : {$110.00} Full mortgage payment of {$2200.00} made X/X/17. In preparation to make XXXX 2017 payment, payment amount had not been adjustment and escrow surplus from XXXX 2017 had not been refunded. <P/> Call to Customer Service week of X/XX/17. Escrow analysis rerun- online payment system would be updated for XX/XX/XXXX payment and overpayment of {$170.00} to be refunded.
<P/> X/XX/17 : Update to payment had not occurred. Called Customer Service and was told adjustment to payment amount would be made, however, update would take place over night in time for X/X/17 payment. Customer service agent XXXX told me that I could not receive a refund by check of my escrow overpayment although I discussed with him that law indicates amounts of > {$50.00} should be refunded. Although it was not my preference, we agreed that he would apply the escrow overpayment to my principle.
This morning, I went online to make my XX/XX/XXXX payment. I found my XX/XX/XXXX payment has been reversed and my account is now showing as delinquent for XX/XX/XXXX payment. ( See account activity statement showing reversal of XX/XX/XXXX payment, account delinquency and all payments to address escrow shortage.

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 2022-03-22
Company: EQUIFAX, INC.
State: RI
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: Investigation took more than 30 days

Complaint:
account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
My credit for it says I have a XXXX account and a Bank of America card I never had 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 2017-06-01
Company: TCF NATIONAL BANK
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern at Gateway One Lending and Financing I am looking at my payment history and what I am seeing caused a red flag to go up. Why is my payment to principle and payment to interest fluctuating month to month? Each month my payment is this same, {$580.00}, but what goes to principle and what goes to interest jumps around. If this continues to happen it would take longer for my loan amount to be paid off. I have filed a complaint with the Consumer Financial Protection Bureau as well as cced the agency in on this email. I am eagerly awaiting your response in writing. <P/>Date Transaction Type Amount Principal Interest Fees Balance XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$430.00} {$150.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX PHP_PAYMENTS {$590.00} {$390.00} {$180.00} {$9.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$450.00} {$120.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$400.00} {$170.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$390.00} {$190.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$340.00} {$230.00} {$0.00} {$35000.00}

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