BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been dealing with XXXX XXXX XXXX as my student loan provider for several years now. I went with XXXX XXXX as I did not feel I had a choice. My issues with them first started in my senior year of college, spring of 2017. XXXX XXXX repeatedly called and demanded I begin to pay back one of my loans, despite the fact that I was still in school. I explained this was not possible due to that fact, and that I had chosen deferment until after graduation for all my loans. XXXX XXXX claimed I did not, and continued to harass me. They stated there was 1 loan, out of 5, that I had selected to pay while in my last semester. I told them that was a mistake, and that it didn't make sense given my other loans would not be touched until after graduation. They refused to work with me, and the loan started to build interest. After graduation, I began to pay as I could. I started working, but not a well paying job. I have made {$35000.00} a year since graduation in upstate New York. I still live at home with my parents due to this. Since graduation, XXXX XXXX has been nothing but uncooperative. They have raised the interest rates on each of my loans over 2.5 % over the past 18 months, and have set payment at 60 % of my monthly income. They demanded I pay {$1200.00} a month, despite the fact I only made {$2000.00} after taxes. This did not include the fact that I live an hour away from where I work ( 40 miles ) and was often stuck working weekends with no extra pay,  therefore gas costs also piled up along with my monthly car payment of {$400.00}. I have repeatedly asked XXXX XXXX to work with me, and they have refused. It has reached a near crisis point several times, with me falling into delinquency and them repeatedly asking me to pay more than I even make at that point ( i.e. asking me to pay all {$3500.00} I owe at once ). It reached its worst point yet this month when I learned I was losing my job at the end of the month. I called and requested to work with XXXX XXXX, when I told them I was losing my job on XX/XX/XXXX they said " how will you continue to pay us? '' and " why are you calling if not to make a payment? '' They did not offer to work with me. This is reaching a crisis point, I do not want my debt to continue to pile up. I have paid at least something just about every month, but I can not afford {$1200.00} a month plus rising interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I submitted a remittance payment through XXXXXXXX XXXX XXXX to Capital One for {$380.00}. Per UCC 3-603/3-12, if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Capital One Bank did not honor my instrument. On XX/XX/2022, I received a Letter from Capital One staying my account ending in XXXX was closed. The letter also included that Capital One removed my name and address from Future Capital One Credit Card offers. As a Capital One customer I feel discriminated and devalued. Prior to this encounter, I never missed a payment. It is concerning and alarming how Capital One is allowed to violate Federal Laws against customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have two credit card companies that when I try to make a payment or see a statement ask to send me a code thru processes such as Text/SMS or call my phone. I can not receive these types of messages. My phone does not pick up automated computer calls fast enough for me to hear all the message. And it is not a mobile phone. These companies are Synchrony and XXXX. I have called the companies, emailed, and chatted with their representatives to no avail.

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 2022-08-05
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I first got the XXXX XXXXXXXX credit card the XXXX XXXXXXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX they accused me of 5 late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX XXXXXXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX and I am submitting this complaint without any influence from a third party or 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 2022-06-20
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint complaint against XXXX XXXX XXXX XXXX. I spoke with their employees who all claimed to not work on commission. They offered me 3 nights at XXXX XXXX which I never gotten or used. They told me I was making a good financial investment. They baited me with lies like saying I will never have to pay maintenance fees again. They enticed me saying I'll make money from this XXXX if decide to re-sell it, as the resale value would go up. They said it has tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price. I was not made aware of the fees involved in this. They withheld information like informing how cancellation process works, I didn't even know hoe many days to cancel. I had financial difficulties and relationship stress due to this XXXX such as getting divorced. One of the worst experiences is that losing a lot of money for something that is overpriced which I never or can't even use. I was lied to and taken advantage of, they defrauded me, I was baited by their deceiving sales tactics.

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 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, TransUnion and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested TransUnion to remove XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX 1XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2021 I mailed dispute letters to all 3 bureaus requesting XXXX XXXX correct the inaccurate payment history reporting of a mortgage loan I had with them. No response, and I mailed them a RESPA request, no response!

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 2019-09-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent, by certified mail, dispute documents which included a letter of explanation and supporting documents disputing Experian 's reported late payment on my XX/XX/XXXX mortgage payment. I called in my payment ( always by phone ) to XXXX and was given a confirmation number. They tried to debit my XXXX account instead of my XXXX XXXX account which is what I always use. When the check didn't go through, I called XXXX and told them what they did and that the two accounts ended in similar numbers and I needed them to make the correction and not show me s " late. '' The XXXX rep assured me that I would not be recorded as " late. '' Then I got a letter from XXXX stating that my credit would show as " late. '' I was not provided with the record of my conversations with XXXX and the assurance that I was not late although they record the conversations.

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 2021-06-25
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Collector - Phoenix I was alerted today by the XXXX XXXX app that my scored had dropped tremendously, over 35pts to be exact due to a medical collection for XXXX from XXXX XXXX XXXX XXXX that shows it was opened XX/XX/2021. There should be no medical bill issued under my name and further more i have not been contacted about any such debt. 

Please have this account removed from all the credit reporting agencies immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CMG MORTGAGE, INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I have been trying to purchase a home for over a year. XXXX year ago, we were unable to obtain a loan with 100 % financing. In XXXX of 2022 we contacted a realtor to try for a second time. Our realtor informed us that he knew of a lender with a 100 % loan program. We spoke with the lending officer to inquire about the loan program he informed me that part of the loan would cover the down payment and part goes to the closing cost. 

An application was taken, and he informed us that everything looked good and we were pre-approved. 

Because we are first time home buyers, we trusted him. During the entire transaction, he kept saying dont worry everything is going to be fine. He also stated we will get serval forms just sign and return. Also, when we asked about the high numbers it was the same responds dont worry it will improve at closing. 

He never locked in our interest because he was expecting interest rates to improve. At that time, we had no idea of what lock-in was all about. As former XXXX XXXX lock-in had a completely different meaning. 

Our biggest mistake was trusting him. We were desperate to move to close since our lease was about to expire and we had handed in our intent letter we felt like we needed to move forward. 

In short, we expected to go to closing with no additional money and expected our monthly payment to be XXXX less than what he got us. We believe that he has deliberately taken advantage of our situation for his own personal profit. We also believe he took advantage of us due to our race, age and lack of experience with financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have private & federal student loans that were originally taken out through XXXX XXXX between XXXX. In XXXX my co-signer ( completely independent of myself ) filed for bankruptcy. The day my co-signer filed for bankruptcy, Sallie Mae locked me out of all of my student loan information. Over the course of almost 6 years, from XXXX Sallie Mae called and harassed me to make payments on my loans. When I tried making a payment, they would not allow me to telling me 'I was in bankruptcy and they could not discuss anything with me '. Years of threatening phone calls, charging me fees, interest compounding my debt and they would not let me view my accounts online, talk with me over the phone or send complete information as to any of my account statuses. In XXXX my co-signers bankruptcy was released. Months of back and forth on the phone, with what is now Navient, I had to fight to gain access to my own personal financial information. There was quite some time that Navient was 'unable ' to look up my information and when given my account number, they provided me with someone else 's information. Upon review of my accounts after years of being prohibited from viewing, accessing, or servicing my loans the increase in balance was absurd. Navient has been unable to provide me with any reasoning as to why they banned me from my accounts, forbade me to may payments or service my accounts, unable to provide a complete breakdown of the accounts and fees, or proof that they own the debt. My co-signer was not on all of my loans, and their bankruptcy had absolutely nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See complaint XXXX. 
Citizens opened a windstorm policy for $ XXXX at $ XXXX. My mortgage is for only $ XXXX ( current balance is about $ XXXX ). Why did they open a policy for more than the loan and why did they back date it XXXX months? 

Please reopen this complaint! 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: TX
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:
The credit bureaus are illegally reporting inaccurate information 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 non-monetary relief
Consumer complaint received 2022-06-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer from my Wells Fargo account in the amount of {$4000.00}. The wire transfer showed as completed on XX/XX/XXXX, but the beneficiary did not receive it. I called the bank on XX/XX/XXXX and submitted a claim saying the wire was never received ( and asked for it to be returned to my account because I paid the beneficiary via other means ). I kept calling to get a status update and no one could tell me anything. I received a response on XX/XX/XXXX that the claim was denied because Wells Fargo did not get a response from the beneficiary bank. I called and was told that the Wells Fargo agent submitted the claim incorrectly and a new claim had to be submitted. They kept telling me it would be resolved in XXXX business days maximum. I keep calling for a status update and again no one could tell me anything. 

I kept being told that it could take some time and depends on the response from the beneficiary bank. I kept saying that the beneficiary bank never received the wire ( which I confirmed with the beneficiary bank several times ). Finally, XXXX of the XXXX I called on XX/XX/XXXX a Wells Fargo representative said he called a different wire department and found out the funds were being held by the Compliance department because of an OFAC hit and they needed information to clear it ( no one had reached out to me for information ). I gave the information and called to follow up later that day. The agent told me the compliance department had now cleared the wire. I told him I dont want it to go out because I already paid the money another way, I want the funds returned. He said that is not his department. I called the claims department and customer service to tell them about this and no one could do anything. They just said the claim is being investigated and they will probably update me when they hear from the beneficiary bank. I kept saying the bank never received it. The funds have been held by Wells Fargo compliance this whole time! 

There is apparently no way for anyone ( including agents in the claims department ) to contact the investigators by phone. I have requested repeatedly that they have the investigator call me and he has not. I believe I was told I would be called when there is an update. It seems they are just waiting to hear back from the beneficiary bank, but that bank never received the funds. I am at a loss of what to do.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion has shown a XXXX point reduction in my credit score apparently due to the recent and unexplained removal of all my accounts, current and prior/closed, from my credit report EXCEPT 1 ( recent student loan refinance ). Score dropped from XXXX to XXXX. 
Absurd.

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 2022-01-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus settled with me when I was in trouble to pay. Many bank at that time wave their fees due to a regulation they were agreed with. But Seterus didn't listen then carried all the fees and sold my loan with all the fees. I asked Mr. Cooper to waive them, He refused. Would you please ask him to remove all the fees that he wasn't part of. Seterus sold him the loan, but wasn't the fees.

Company response to consumer: Closed with explanation