BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank is collecting nearly {$9000.00} too much for my escrow account. This is the second year in a row I have received an escrow refund check of nearly {$9000.00}. I have now submitted full documentation to Citizens Bank twice, first in XXXX of 2021 and again in XXXX of 2021, following their instructions, in order to have the taxes on my escrow account corrected. With two full years of escrow history, and after writing me two checks of nearly {$9000.00}, Citizens should certainly be able to recognize the problem, my submissions not withstanding. However, they are for the second year in a row INCREASING my escrow payment. As I have had no success having the account corrected through citizens, I am filing a report here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Since incurring my student loans - I have been called, harassed, and disrespected every time I had an interaction with anyone from Navient with the exception of the la st 3 or 4 phone calls. After exiting college ; I knew nothing about how to pay back student loans or what my options were. When I called Navient they told me that if I could n't afford to pay the loans I could easily put them into forbearance. They made it sound like this wa s my only option. After I did it the first time, they would just text or email me and tell me to reply " YES '' to keep my loans in forbearance, so that is exactly what I did ; what I thought I had to do. I could not afford the payment they wanted from me, and I was worried about what my loan status was going to do to my credit. I did n't know that during forbearance my already high interest rate was going to continue to accrue at a rate so fast that by the time I realized what was going on I owed almost as much in interest as I did in original principal. In    XXXX   XXXX   XXXX      I attempted to work with  Navient  to pay off my loan in one lump sum. I offered to pay them {$21000.00} if they would " forgive '' the remaining  XXXX   XXXX  dollars I owed them ( which would be a very small portion of the exorbitant interest I had accrued ) but they refused to work with me at all stating that they were not allowed to negotiate any deals. Had I not been steered wrong from the beginning, my credit report and I would both be in much better shape than we are today. In  XXXX    XXXX   I finally applied for a different repayment plan and I 'm still waiting to see if I have been approved. I truly believe  Navient  is a scam of a company and only out to benefit themselves and turn the largest profit possible at the cost of the student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an alert on my XXXX credit report that I had a new collections. I was surprised since I've paid down/off most of my outstanding debt this year. I disputed the charge and it came back verified as my account. I called the agency to figure out the original creditor. I called on XX/XX/XXXX and was told they couldn't find an account and would call be back in 30 mins. I received no call back. I called back on XX/XX/XXXX and was told I had 3 different accounts and those accounts did not match what was reported on my credit report. I asked for a itemized statement since I've never received one from the original provider, apparently the system is down and they said they will send it later. I called Transworld to just pay the XXXX account since I'm in the process of refinancing my house and was told I needed to pay {$560.00} instead of the {$390.00} reported on my credit report. I also asked for a receipt and she told me that the bank statement will serve as my receipt. I told her that was unacceptable and will need something in writing that says this account has been resolved. I almost positive I wont receive one since I haven't received an initial letter that I had an open account with them. I only found out about the account when I got the alert from XXXX. The rep that took my payment over the phone was RUDE and not customer friendly. Here words to me were " We can't tell the computer when to send the updates to the credit agencies '' and " You transaction on your bank statement will serve as your receipt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have previously disputed public records listed XXXX and XXXX with Experian and in response Experian verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to Experian or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve Experian of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.

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 2019-12-20
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I need help with getting back {$1500.00} that was suppose to be refunded to my XXXX card from Paypal, but has never made it back to my card ... ..I have proof of all this And no body seems to help me track where this money is ... ..this was a dispute letter I sent to XXXX  and was denied , reasons being who knows ... ..PayPal says transaction was successful and I will send in this email proof of this ... ..please help me ... 

I recieved my taxes back for XXXX onto a XXXX XXXX XXXX XXXX Visa card. On XX/XX/XXXX of XXXX, i signed onto my Account through The XXXX XXXX XXXX application, and I sent {$1500.00} from my XXXX Visa card to my cell number. From there, I claimed {$1500.00}, through the link that XXXX sent me in the text message by inputing a verification code on this XXXX  website link sent to my text messages. After inputting verification code, there were 2 choices to pick up the {$1500.00}, either i could deposit it into a personal bank account or into a PayPal account. I chose to send {$1500.00} to paypal account of XXXX XXXX.. From there {$1500.00} sat in his PayPal account until XX/XX/XXXX, where he decided to REFUND me the {$1500.00}. So he pushed refund button on his PayPal account. Next to {$1500.00} dollars. From there I have not seen or know where my money went..It lists the money being refunded to XXXX ... Ive emailed this email several times with no response It states on his PayPal account that refund was issued, but I, nor XXXX, have yet to get a clear answer from paypal of where this money went.several different messages and phone calls have been sent from me and XXXX to PayPal just to receive automated responses from paypal I have transcripts from live chat sessions I was able to save, that I will be including in this letter along with any other proof I haveI just want my XXXX dollars back. it has been stressful and time consuming.PayPal is in my opinion a little shady, and after researching PayPal online, I come to find thousands upon thousands of different complaints from unsatisfied customers please track where my money is. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit Reporting act XXXXXXXX XXXX Account # XXXX and Account # 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 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 explanation
Consumer complaint received 2017-04-19
Company: Allgate Financial, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was sued and had a wage assignment for a credit card issued by  XXXX  that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done b y Equable Ascent Financial LLC  and  XXXX    XXXX   XXXX  . I want to recover my funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/2020 thru XX/XX/2020 I made my monthly payments to XXXX on time and qualified/was approved for a loan modification program that lowered my monthly payments. XXXX reports that my account was over 120days late for these six months when I clearly made the payments on time! This is significantly hurting my credit score and prohibiting me from refinancing my home and changing lenders. XXXX is impossible to get ahold off, ignores all attempts to contact them through email and is fraudulent in their credit bureau reporting.

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 2021-03-02
Company: U.S. BANCORP
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In early XXXX of XXXX, I contacted XXXX XXXX from US Bank to discuss the possibility of buying a vacation home in XXXX, AZ. In mid XXXX XXXX after reviewing my credit, bank statements, taxes, etc ), I received a verbal approval by phone that I was ok to travel to XXXX, find a home I like & that US Bank would finance it up to XXXX & maybe more. I also received an email confirming this amount on XX/XX/XXXX. Based on this approval, I flew our family out to XXXX to begin looking for our vacation home & began putting in offers the week of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX gave my realtor a letter confirming my pre-approval. On XX/XX/XXXX, we had an accepted offer on a house that we liked & began to move forward with the next steps to close on the house. We paid out of pocket for an inspection on the property & paid US Bank to conduct an appraisal which valued the home higher than our accepted offer. Everything seemed to be lining up & working out greatly. Then, on XX/XX/XXXX, I received notification from US Bank that they would no longer finance the house due to something in my taxes. I consider this to be ridiculous as they had my taxes & looked thru them prior to the approval. Why were my taxes ok at application time, but not XXXX weeks prior to closing? Yesterday, we lost our dream vacation home as the sellers refused to extend closing time to allow for financing with another bank ( which I was approved for at XXXX XXXX XXXX XXXX XXXX. So, there is the story. As you can see, this is upsetting to be lied to by a bank, but this situation is especially upsetting due to all the costs incurred. When I look back & start adding them up, they add up quickly, but heres a breakdown : Travel costs : {$4000.00} ( aprox ) Loss of work to travel : {$2000.00} Inspection : {$600.00} Appraisal : {$390.00} Earnest : {$4100.00} ( wire transfer fee included ) As you can see, I threw away over {$10000.00} of my hard earned money due to the banks actions. In addition, my realtor & accountant worked hard with US Bank to make this deal happen, only to see their hard work lead to nothing. In addition to that, the sellers also made approximately $ XXXX in improvements ( requested by me as a result of inspection ), so they are impacted as well. As you can see, many parties were impacted by this. 
In conclusion, I think its important for banks to not give approval unless they are going to stick to it. Obviously, some loans fall apart due to borrower actions between approval & closing. This is not the case here. The lies of XXXX XXXX XXXX US Bank have cost lots of time & money & I think its important to prevent this from happening again.

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 2022-05-01
Company: Experian Information Solutions 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:
Experian reporting invalid account information on my Credit report. Multiple attempts was made to validate the account but has failed to produce the documentation. When disputed the incorrect reporting via credit bureau, I get credit report from the company and no investigation being conducted. The XXXX Bank XXXX is being reported as Derogatory and late payment. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit reports show unverifiable and inaccurate accounts.

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 2018-03-07
Company: SYNCHRONY FINANCIAL
State: MO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I sent a signed request through XXXX to close my Synchrony CD on XX/XX/XXXX. The CD matured on XX/XX/XXXX. This was my account number XXXX. XXXX followed through and posted that the transfer was in progress ( I have documentation ) and was scheduled to be transferred on XX/XX/XXXX. 

I checked with XXXX on XX/XX/XXXX to see why my funds were not in my account and was told they were not successful. The bank wanted to " hear from me '' I have transferred many accounts through the years. Transfers that are clearly written and signed NEVER have a problem. Until now. 

I can not have an on line account with Synchrony because they " no longer support my browser '' I am forced to push several buttons and call the toll free number. The rep told me that my CD was rolled over and that it would involve a substantial penalty if I now attempted to close it. I closed both my accounts -- -figuring he was misinformed. No bank would attempt this. 

I was wrong again. They took a substantial amount out of the check they sent me. No accounting was sent ( it was {$110.00} less than my last statement balance -- no accrued interest ). This is a lot of money to me. 

I must be liquid and safe. The bad news is that I own 2 brokered CD '' s from Synchrony in my XXXX account. Something to worry about later.

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 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report. There is even  NR ( X ) not  reporting on the months of the accounts that further prove these accounts are not verified. They  need to delete  these account immediately.

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 2019-12-20
Company: Nelnet, Inc.
State: MA
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:
Neltnet is my loan servicer for my student loans stopped ACH payments back in XX/XX/XXXX and sent me an email saying my school was under investigation. I was told I would hear back in XX/XX/XXXXon the determination, I was told to not worry about making future payments. I then received an email Nelnet in the last 30 days informing me that my loan was placed into forbearance and that no payments were due until XX/XX/XXXX. I immediately contacted Nelnet to inform them that I did not request nor did I want my loan to be in forbearance and asked them to have ACH payments re-established. I had to ask to be transferred to supervisors multiple times as each representative told me there was no way this could happen. I was even told at one point if I wanted any documentation I would need to get a court subpoena and that I had requested the forbearance back in XX/XX/XXXX. To which I again asked for documentation and was told to call the Borrower Defense to repay hot line. I did so and was informed they had NO record of me submitting any application for discharge/forbearance. I immediately called Nelnet back again and was informed that they could now lift the forbearance . I asked for an email or mail confirmation of this and was told I would see something in the next few days. These calls took place on XX/XX/XXXX. I then asked to file a claim to waive all interest accural since Nelnet stopped was the one who stopped processing my payments and this was not at my request. On XX/XX/XXXX I recieved another call from Nelnet , by a reprensative named XXXX   stating that Nelnet could not inianiate ACH payments  again until XX/XX/XXXXbut I could go online or mail in payments. This was not the resolution I had been told when speaking with XXXX  and XXXX  with Nelnet on XX/XX/XXXX. I then recieved an email from Nelnet informing me to go online with Nelnet and fill out an application for REPAYE program. Again, this was not at my request. I had been making monthly payments and been in good standing with this loan for years. In addition to making my montly payments as scheduled and on time. In addition to this my mother had been making overpayments on the account as well. There is no explanation as to why I was ever placed into forbearance without consent and this is unacceptable behavior on the part of Nelnet. I will be following up this with a complaint to the Attorney General and a complaint has already been sent to FSA. Students should never be railroaded in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are  XXXX  accounts currently in collection with this agency, the first is for {$750.00}, which the company indicates was opened   XXXX     The second is for {$1000.00}, which my credit report shows was opened   XXXX     Both of these accounts have been re-aged, and are reporting misinformation on my credit report, which according to the FCRA is illegal.   The dates provided, I can only assume are the dates that these accounts were purchased by   Portfolio Recovery, rather than the original dates that they went into default.
I would like these collection accounts removed from my credit report immediately and any and all derogatory marks removed, as it is effecting and will continue to unfairly effect my credit ratin  g.

Company response to consumer: Closed with explanation