BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: Navient Solutions, LLC.
State: IA
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:
I have been issues predatory loans and have been systematically lied to by Navient at every turn since I graduated in XXXX. They have told me that forbearance was the best option upon graduation and when navigating the financial repayment plans. They lied and said forbearance would not effect me entering into the repayment plan for student loan forgiveness when I have worked for a non-profit for almost 10 years. they told me I was not eligible for financial repayment plans in XXXX and said I would have to make {$780.00} a month payments to pay them back and would not give me information about the forgiveness plan. They then hung up on me. This lead me into a default status and they began to garnish my wages. When I called to talk to another person at the company to resolve this issue they told me I am better off with the 20 year income driven repayment plan. They have lost my paperwork I have sent in which then put me out of my repayment plan due to not having it filed in time. ( XXXX I believe ) they then put me back on forbearance stating it would not effect my payments or fees in anyway. 
Any time I have called for information they have given me inaccurate information. I have asked about consolidating several times and they said that is not in my best interest and that I would pay my loans off sooner paying them individually. 
I took out less than {$40000.00} in loans, have been paying for 8.5 years and I now owe over {$87000.00}. I am not even sure how when I make payments each month it has gone added another {$47000.00} to my debt which I will never be able to repay while working in this field. ( I work for a non-profit, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ). 
Please tell me how to fix this or what I can do to manage this issue as I am overwhelmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: SC
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:
Compliant # XXXX refering to Experian was not a duplicate of another compliant. I check every Experian complaint. I was not notified of the " duplicate compliant number either. As I stated, Experian deleted the XXXX XXXX account 3 TIMES and did not notify me as the law requires a credit reporting company to do. Law 15 U.S code 1681d. I request a reinvestigation and want to know why Experian violated the LAW 3 TIMES. Law 15 U.S code 1681d state that after a investigation a consumer must be notified. I WAS NOT NOTIFIED that XXXX XXXX would be put back on my credit report 3 TIMES. Read Law 15 U.S code 1681s-2. I CLEARLY states that a furnisher CAN NOT furnish information if they are notified by the consumer. I have dispute this account with XXXX XXXX several times. I have attached my Experian online credit report document as proof Experian has deleted this account 3 Times and it is still on my credit report.

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 2017-01-31
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A little over five years ago we went to XXXX to buy home. They told me they only dealt with Vanderbilt Mortgage. That was n't an issue at the time but when I went to sign the contract the interest rate was too high as 10.94 % the representative for XXXX Vanderbilt Mortgage tell me not to worry about it if I had make my payments on time in five years they would give me a much better interest rate. So I went forth with the loan. When I went to ask Vanderbilt Mortgage for a better interest rate several times to rework the loan they told me no in spite of my perfect payment history and submitted to them documentation that we have lost {$50000.00} of income and was struggling making the payment but I continue making the payment on time. I feel this is dishonest in a breach of a verbal contract that I had with the representative at the time I put {$10000.00} down and was going to pull away from the negotiations but told me not to worry about it they would rework it if I paid all my payments on time in 5 years and I have. One the representatives even hinted to me that I needed to be behind on my payments for them to even consider it which is also wrong. I feel that I 've been a good customer to them they 're making a lot of money off my interest and because I had a verbal agreement that it would be reworked in five years they should honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
TRANSUNION XXXX  XXXX  I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD  PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 XXXX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 TRANSUNION ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 XXXX ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )

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 2015-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Description of the complaint I had several transactions process overnight same time as my payroll deposited. XXXX transaction was a XXXX withdrawl it was XXXX transaction that was split into XXXX total debits as each item shipped. This resulted in a total of {$180.00} in fees for {$140.00} worth of purchases. My account was never in the negative that I saw as it all posted at the same time when I looked at my account in the morning this occured everything seemed fine. Later that morning {$180.00} in fees were pending. I called and spoke with XXXX who told me my direct deposit should negate the fees and cause them to fall from a pending state and no one could help me until they posted and that the manager would do everything to help me tomorrow. Called next day was told XXXX the manager would call me back in 15 minutes 3 hours later no call back i called him. he finally returned my call and said that they will only waive {$74.00} a year. I explained that XXXX of the charged were of the result of XXXX transaction offered to provide proof. he said it was out of his hands he didnt have authority he would have district manager call me. the next day XXXX called and said he was acting as rep. of the bank the district manager would not be calling me and they would not be waiving any fees. 1. How can they charge me {$37.00} 4 times on XXXX transaction, and refuse to even look at the documenttaion. 2. If a direct deposit and charges both post at midnight the account was never in the negative state. 3.Is there no limit as to what they can charge and under what circumstance? 3. additionaly while I am adressing issues they have been randonly charging me XXXX per account per month on what is suppossed to be free military accounts and i have called several times they waive and " fix '' it then randomly again I am charged these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: 21ST MORTGAGE CORP.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX we purchased four lots of land cash, with the intent to have a house put on it. On XX/XX/XXXX we took out a loan using the land as collateral to make some improvement to the land. On XX/XX/XXXX, I obtained a loan to purchase a manufactured home. Me and my wife fell on hard times in XXXX. On XX/XX/XXXX I tried to do a loan modification through the XXXX program, and it was denied due to it being a manufactured home. Because of this we had to file for bankruptcy, during the meeting with the creditors 21 Mortgage would not come to an agreement with us and we have been trying to work out an agreement but have been unsuccessful. I have tried several avenues to work with 21st Mortgage but they have rejected each one. As of XX/XX/XXXX our home has been reclassified as a residential home and therefore should qualified for the loan modification. On XX/XX/XXXX my husbands attorney XXXX XXXX sent XXXX a letter giving them authorization to communicate with 21 Mortgage on his behalf, which I have enclosed. XXXX tried to contact 21 Mortgage to do a loan modification and they declined, stating the house and land was in foreclosure and could not be stopped. On XX/XX/XXXX @ XXXX XXXX tried contacting them again after my bankruptcy was filed, to request them to reopen the case for further review into a loan modification and they declined, stating they would not reopen the file without court order. XXXX has advised us to file a complaint with the Consumer Financial Protection Bureau, because 21 Mortgage is not acting within the law. 

On XX/XX/XXXX, I requested my bankruptcy attorney get a payoff amount, and he was unable to do so. I received a letter on XX/XX/XXXX informing me the house and land was in foreclosure, which only gave me 28 days to act. I contacted their Attorney for the payoff amount for the land only and they said I have to pay for both the land and the house, and this was my only option. Now, the original loan obtained from XXXX XXXX was for the land only in my wife, XXXX XXXX 's name, and my name XXXX XXXX as a co-signer. This current loan through 21 Mortgage does not have my wife 's name on it at all, according to the mortgage statements and the account managers at 21 Mortgage it is in my name only. According to my Attorney both loans have been combined, my wife 's name has been removed and there is nothing I can do about it. This has been a horrible experience for me and my family and I am trying to save my home, my land or both. Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am requesting the audit trails ( accounting, file, ledger and transactional history ) for the consumer credit transactions that occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 notarized by accountant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I rented a car from XXXX in XXXX XXXX at an agreed upon price, picked it up at XXXX XXXX XXXX in CT, and returned it to XXXX XXXX XXXX in XXXX.When I got home I realized I had been overcharged for the rental. Payment was with my Capital One Visa card. I requested a refund from XXXX, and on XXXX XXXX, I received an email from XXXX indicating that " a refund has been applied, please allow sufficient time [ sic ]. '' A credit never appeared on my Visa account, so after further inquiry of XXXX I received an email dated XXXX XXXX, XXXX, informing me that " a credit has been applied and too please allow sufficient time for the {$340.00} to apply to the visa card on file. '' It has been almost XXXX months since I rented the car, and my Visa account has yet been credited with the refund promised by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26
Company: Social Finance, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I had a private student loan with XXXX. I requested SOFI to re-finance the XXXX loan. SOFI did. SOFI then over-paid XXXX by $ XXXX on XX/XX/2022. 

XXXX claims they have since re-credited SOFI with the $ 7,000+ check. SOFI claims they have not received it and have no obligation to hunt the check down. Meanwhile, my student loan balance with SOFI sits at $ 7,000+ over the real amount due. 

SOFI also states that they will do nothing about having not received the check for a least two months since the refinancing happened - i.e. two months since XX/XX/2022. In the meantime, I do not have over {$7000.00} that rightfully belongs to me. I feel robbed without recourse. 

Do not let loan servicers who refinance sit on money that is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 # 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 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 2020-03-03
Company: Arapahoe Motors
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
We went to Schomp Honda at XXXX XXXX XXXX XXXX CO XXXX to look at a vehicle they had posted on there website a XXXX XXXX XXXX, we test drove said vehicle and then talked to the salesman about the vehicle having no warranty he assured us that they had done a 125 point inspection and found that the head gasket had to be replaced and that there was no warranty due to that repair, but everything else had checked out ok. Within 2or 3 weeks the engine light came on, we took it in to be checked out by an outside auto shop and found out the problem was a bad engine that could not be fixed internal engine failure. {$11000.00} to replace then while they were finishing the inspection they said the 4 wheel drive system which is the  vtm was also going out along with the front and rear brakes that were so bad that we could have been in a very bad car accident, we were lucky that we took it in, and on top of that the cv joints and the struts were also shot bringing the total to about {$15000.00} dollars we contacted the dealer on XX/XX/122020 and they stated it was not there problem, they stated the car was sold as is. But what kind of a reputable dealer would put peoples lives at risk just to make money, then not even care. So the more i thought about it the more upset i got because now that they choose not to do anything about it, if i take this XXXX XXXX XXXX in to trade for another vehicle i am going to have to do the honest thing and disclose everything wrong with the vehicle and probably being stuck with about {$8000.00} worth of negative equity towards purchasing another vehicle. I then contacted the dealership again on XX/XX/2020 to try and resolve this matter by bringing back the XXXX XXXX XXXX and get my trade in money for my vehicle and my down payment money so i could look at another vehicle, again they turned me down and said they might consider taking the truck back but well below what i paid them for it and not receive any of my trade in allowance or my cash down money, stated thats not happening. This is why i am reaching out to you because they dont give a XXXX about myself or my wife just the money. This dealership should be put out of business and fined for the way they take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a XXXX balance for an American Express Delta card and I want to cancel it. It is an annual fee card and I will not be doing anymore travel. Customer service will not process my closure since I told them my reason. It took minutes to open it and hours to attempt to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a XXXX XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX XXXX   department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted XXXX multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a vehicle loan with XXXX XXXX XXXX that was taken in XXXX. It has been XXXX months and the loan does not appear in my credit reports. I called them and they say they have reported and it's not a problem on their end.

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 2020-03-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED XXXX, XXXX  and Experian s. On XX/XX/XXXX, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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