BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: Byrider Franchising, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I finance my vehicle with CNAC in XXXX XXXX and have made my monthly payments on time, as reflected on my credit reports, since Day one. 
Starting in or around XXXX XXXX, my account representative was changed over to XXXX XXXX. Since the time he received my account, he began calling me days prior to my due date asking if I was going to make my payment. even after I confirmed that my payment would be made on the due date, he continued calling repeatedly asking the same question until the date of the payment. There would be days where he would call me multiple times and leave multiple messages. In XXXX and XXXX, XXXX XXXX made hard inquiries on my credit reports without my consent. He continued harassing me all through XXXX XXXX. In XXXX, he sent another employee to my residence demanding payment or he would have my vehicle towed. when I refused to pay him, he proceed to act as if he was calling the tow truck. I then called CNAC directly where they advised the employee to leave the premises. 
My account was transferred over to XXXX with CNAC in XXXX and that was fine until today. XXXX called me and left me a message regarding my promise to pay today ( which was fine ), but then XXXX XXXX called me and left me a message as well, following up on his harassment. when I called back in to make the payment, XXXX answered and I requested to speak with someone else, he refused and stated that there was no one else to speak with. he then began being very rude to me and asking why I had a problem with him. when I advised that he was in violation of the Fair Debt Collection Practices Act, he stated that I was just making excuses for my payments being late and started being very derogatory. He refused to transfer my call so I bid him farewell and called back and made my payment with another employee. XXXX has been in violation of the Fair Debt Collection Practices Act and has continued harassing me amidst my requests for him to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My daughter and I applied for a mortgage with quicken loans. The broker lead me on that the interest rate would be 4.25 % conventional with 20 % down and told me the estimated closing cost would be about {$6500.00}. He never sent me a good faith estimate of the closing cost. After we started to loan process on of the documents that he wanted us to approve was a 2.5 % fee for that rate. ( {$4100.00} ). If we did n't want to pay the fee the rate would be 4.75 %. We did not sign that document. I immediately called him and he said that was the cost for that rate and could not be changed. We sent him an email to cancel the application and return the {$500.00} that my daughter paid him. We were able to find XXXX companies that gave us that rate with no cost. He refuses to close our application and offered to match the offer. We again told him no and he went through with an appraisal after we told him to stop. He again emailed me to talk to him about a different offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX from Collage XXXX. Most of my past student loan from XXXX to XXXX was held by Nelnet before I consolidated over to XXXX. From XXXX until XXXX the servicer would not work with me to lower my payments to a reasonable payment plan with my income and family size. I remember Nelnet steering me into Forbearance Plans most of the time to play catch up with struggling past student loan minimal payment requirements. At the time I had my job I was bringing home for income $ XXXX with one child in my household. My payments at times were as high as $ XXXX {$400.00} monthly. Most of the time I had to stop paying because of housing, electric, and food was a priority. I almost defaulted but stopped the default by consolidating my student loan debt into XXXX. I even tapped into my 401K plan to pay down some of XXXX in student debt in order to drop my payments down to a reasonable amount for my current income. XXXX now has guided me into income payment plan but it took years of struggle and losing my son on a living permeant basis because of my high monthly payments and keeping up with daily house hold bills. 
Sometime before I left Nelnet the servicer was down right mean to me as she quoted, " well you have to pay this back '', I don't care what income or family members you have in your household, just pay us ''. 

I fell victim to Forbearance Steering mostly from Nelnet Student Loan Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
USAA said the title was sent to my address and it was not. Now they lost the title and don't have one to send me. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold loan to Carrington Mortgage Service, LLC on XX/XX/2016 -- -- XXXX last statement to me was dated XX/XX/2016 which listed my XX/XX/XXXX Payment. I had to contacted them about my XX/XX/XXXX and XX/XX/XXXX Payment which were never generated on a statement which I thought was a banking requirement. They were eventually able to give me my balance after I complained. I believe XXXX should have been required to give out a statement with the Balance Amount at the time of the transfer of both Principle and Escrow. 
ISSUES with -- -Carrington Mortgage Services , LLC . My problem is with making PRINCIPLE ONLY PAYMENT. Their online payment system only allows additional principle payment in conjunction with full monthly mortgage payments. They have an Other Amount option but have gives you know way to identify where or how you want that Other Amount of money will be applied ( additional Escrow, Principle or Monthly Payment ). I believe I 've found a work around with the online system that may work but why do I have to work this hard to make PRINCIPLE ONLY payments!!!! I have several payment that were not process correctly. The time frame for the correction was stated as 20 BUSINESS DAY which is a full month to get funds removed from regular payments to PRINCIPLE ONLY payments. I was later told the processing time is only 3 to 5 BUSINESS DAY, however that has not been the time frame for my two prior issue with the payments. I have issue making my principle only payment online and with a real representative by phone. I 'm not received any paperwork on any of the PRINCIPLE ONLY issues or correction of those issues. I would think correspondence would be required by law. My complaint main is that PRINCIPLE ONLY OPTION should be required to be easily available to facilitate early loan payoffs and debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Capital One 360 posted a promotion code to open a new account for a {$200.00} bonus ( the code was " XXXX '' ) They later claimed that this code was " targeted. '' However, the company had no issues letting me use the code to sign up, and the confirmation screens ( that I screenshot ) even confirmed that I was eligible. 

Capital One 's customer service then made up multiple reasons why I was n't qualified for the bonus, even though I followed through on their terms stated to deposit {$10000.00} into the Money Market Account. 

My statement is that because their system stated that it was ok to sign up, the consumer should not be tricked into signing up because of Capital One 's fine print. Clearly, a sign up system that approves the code should mean that the offer was accepted by the company. I think Capital One is being fraudulent in their promotion offers, and intentionally letting consumers sign up to make their new account numbers look better.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX/XXXX/15 we paid {$2700.00} thru the Citibank on-line customer service website for Citibank Master Card charges that were due. We were shown a balance of {$0.00}. 
Starting on XXXX/XXXX/15 thru XXXX/XXXX/15 we charged {$4900.00}. We had {$2100.00} in credits and payments, so our balance as of XXXX/XXXX/15 should be {$2800.00}. 
The Citibank on-line customer service website shows a balance that we owe {$3700.00}. 
When we called to inquire about the difference of {$960.00}, we were told by customer service and management that our payment on XXXX/XXXX/15 did not pay all our charges ( even though the balance showed as {$0.00} owed after the payment ) because the Citibank on-line customer service website is a different system than the statement system that Citibank uses to track your charges. 
We then asked why the Citibank on-line customer service website is available for our use as customers to see our charges and make payments if it is not accurately reflecting our Citibank MasterCard use. We were told by customer service and management that Citibank uses XXXX different systems. 
We have had this Citibank MasterCard for 11 years. We have been paying our balance in full thru the Citibank on-line customer service website for at least the last 8 years, and have never owed or paid any interest charges. 
We feel that Citibank has withheld posting some of our charges on the Citibank on-line customer service website so that we would not know the correct balance to pay ( or we would pay an inaccurate amount ) so then they could charge us interest on the unpaid balance the next month. The {$23.00} that we were charged for interest was minimal, but multiplied by XXXX of customers ( if Citibank is involved in fraud ) would profit Citibank XXXX of dollars. 
We would like an investigation. We do not believe that we owe the additional {$960.00} because the Citibank on-line customer service website showed a {$0.00} balance due after our payment of {$2700.00} on XXXX/XXXX/15. We used the Citibank on-line customer service website in good faith. If the Citibank online customer service website is not accurate and in sync with Citibank 's statement system, Citibank should not make it available for customers to use and trust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, i received a copy of my credit report and I found several errors on my credit along with several inaccuracies which i've sent letters out asking them to be deleted/corrected/updated from my credit report. Until this date ( XX/XX/XXXX ), I'm actually surprised to find out that i've attempted to dispute several items with multiple inaccuracies with the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), and they haven't resolved the issue or even replied to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX my immediate family suffered XXXX tragic deaths. We all pulled together and had to pay for XXXX funeral/burials - then again in XX/XX/XXXX, my XXXX and XXXX passed, leaving us to bury them also. In XX/XX/XXXX I fell behind on my credit card payments due to the foregoing and contacted my creditors looking for a way to resolve the issue. They all referred me to a Debt Relief Program to assist me and assured me that they work with the consumer once you enroll in the debt relief program. I did so and enrolled with XXXX paying them every month for payment to my creditors. However, this is not what happened. Creditors closed my accounts and reported to the XXXX credit bureaus my accounts were " charged off ''. THIS IS NOT WHAT THEY PROMISED ME and now my credit has been ruined I have been unable to obtain decent interest on loans and unable to rent a place because of the negative reports. I eventually obtained a Consolidation loan through XXXX and all creditors were paid in full = some according to a negotiated balance. Capital One in particular has reported me as a charge off and some accounts do not show the balance paid in full. I have faithfully paid Consolidation Plus each month for my monthly payment for almost one year and will continue to do so until the balance is paid in full. My complaint is that these creditors promised by enrolling in a debt relief program that they would work with them and thereby saving my credit reputation from any negative reporting. This has not been done and now my credit score is suffering. While I realize the tragedies that happened were not the creditors ' responsibility, I could have filed bankruptcy and had all of the debts, including mortuary and cemetery charges discharged but I did not. I have paid them all off and continue to pay until the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have complained numerous times to XXXX XXXX XXXX about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.

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 2015-05-09
Company: Jim Bottin Enterprises, Inc
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Joined XXXX when it first opened in late XX/XX/XXXX and decided to leave in early XX/XX/XXXX. Despite numerous cancellation attempts and not using the gym in over 5 months XXXX continues to bill me and has now forwarded me to ABC Financial, a Collection Agency in XXXX, AZ. Attempts to contact XXXX XXXX, Membership Manager, go unanswered or returned.Speaking with " XXXX '' ( will not give her last name ), in Customer Relations, hangs up on me.Simple questions like " Will you please look up the last time I used your gym '' to " XXXX '' to show I have n't used the gym in over 5 months are responded to as " that 's not important '' and then hangs up. Letters to both XXXX XXXX and ABC Financial under the U.S. Fair Debt Collection Practices Act, 15 U.S.C. section 805 are ignored. ABC Financial has also been asked to provide written proof that they are licensed to do business in the state of Kansas and they have n't. XXXX XXXX is unwilling to address or correct the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Applied for an auto loan with Capital One Auto Finance and was approved for {$23000.00} then after reviewing bank statements they dropped it to {$12000.00} even though my bank statement showed around {$86000.00} in annual income in the form of bank deposits and electronic deposits so they must have only been calculating one method of deposit and not both. When I called to try and negotiate the deal the loan offer had expired the day prior and a new application needed to be submitted and upon submission they then declined the loan and the reason they informed me was due to an eviction, liens that do not exist on any bureau report and are completely false and i was never informed of where they got that information and was told I could dispute it via mail if I chose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2016-03-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
Macy 's did not ever notify me that Citi Bank was taking over management of their credit card. Had I known Citi Bank was managing the card I would have stopped using it and made arrangements to close it.

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 2017-03-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are so many issues with Experian and they are all recent and I do n't know why they are appearing on my credit report. I am in the process of applying for a mortgage and have been watching my credit reporting, paying off accounts and making sure my credit reporting is accurate. Most of these issues occurred in the past week and has greatly low my score. 
There is an issue of XXXX of my accounts being paid late in the past two months. All of my accounts have been being paid consistently for the past 6 months or more and have not been late. I have no knowledge to which this is referring to. 
XXXX XXXX XXXX concerning my account is not in dispute and has been paid off and I am in compliance with their terms. I have paperwork to prove it. 
My XXXX charge account ofXXXX has been paid in full and has no deliquency on it at all. It is being reported as a question mark. Needs to be reported paid in full! 
My score has seriously been lowered it the past week and I have no explanation as to why. 

I am applying for a mortgage right now and need to have good scores as I do with XXXX and XXXX. I have no clue why my score keeps going down with Experain. There are no explanations for this. Thank you for your 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 non-monetary relief
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I requested Experian correct the status of a XXXX second mortgage account reflect " closed '' status, to be corrected to " paid as agreed status, '' accurate as of XX/XX/XXXX. 
XXXX reported a charge off " CO '' XX/XX/XXXX ; according to the XX/XX/XXXX attached Experian credit report, the account was scheduled to return to a positive status XX/XX/XXXX. A payoff settlement of $ 100 monthly for 5 years was paid as agreed. 
Now the creditor ( XXXX ) reported it charged off for the second time in XX/XX/XXXX, resulting in a second derogatory hit on my credit report. This charge off status was reported during short sale XX/XX/XXXX. 
See Experian report from XX/XX/XXXX reflecting the XX/XX/XXXX charge off previously, which already dropped credit score XXXX points 6 years ago. To do so twice is punitive, preventing those paying in good faith from recovering.

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 2016-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
My Capital One credit card account ending in XXXX went to collection around XX/XX/XXXX. Account got closed and I started getting call from a collection agency named XXXX ( XXXX ) around XXXX XXXX and XXXX told me that my capital one account was closed and had gone to collection and now XXXX was handling the account. I made the payment to XXXX for total balance and believed it to be all resolved. I also received a letter from XXXX stating that I had made full payment on my capital one account. Fast forward in XX/XX/XXXX, I did my credit score check and found Capital One balance of {$60.00} lingering on my credit report for many months. I disputed the amount but got no result from CRA or Capital One. Now, when I call XXXX, they would not even take my call and instead refer me to Capital One. When I call Capital One, they say XXXX already closed my case. Due to this erroneous reporting of {$60.00} balance occurring for many months, my ability to obtain credit fairly was restricted. I had no choice but to call Capital One and pay the {$60.00} to prevent further damage to my credit. However, I still believe that by unfairly reporting {$60.00} in my CRA reports, I was forced to pay the amount. Furthermore, it damaged my credit reputation. I request CFPB to ask Capital One to look into this matter in detail and correct their mistake, and remove erroneous reporting from my credit report.

Company response to consumer: Closed with explanation