BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: Social Finance, Inc.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Received a mail offer from SoFi of up to {$98000.00} to consolidate debt. I was preselected to receive up to that amount and maybe more. I applied for less than that amount and was denied. My credit score was over XXXX. 
When I contacted them they only checked to see that I was supposed to receive the offer. They also told me I would have to apply with one of their other companies at higher rates ( bate and switch ). Then on top of that I later received the same type of offer for up to {$93000.00}. 
I am including the offers and looking at the offers I feel they are false advertising and have udaap problems with this type of offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I found out the my modification for my mortgage loan was denied due to the amount of time that Ive been on the property however my employment was dropped a week before I closed on my home which helped me in a terrible situation to try to pay I tried paying for months but with me losing my husband in income I was not able to keep up I was very disturbed by Mr. CooperIn the business practices that they have they clearly seen that I wasnt able and my income dropped low and they are not willing to help, yesterday I talk to them about a repayment plan and that was an option because my account is already in the foreclosure department I dont have a date of sale yet but I am in the foreclosure department and that was their reason for not helping me is there anything that you guys could do to help me save my home I havent been in the house even a year yet but I have recently got back on my feet but Im not able to keep up with the payments that are behind

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$49000.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5400.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Creditor recently l XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date XXXX XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX6 Balance {$1400.00} XXXXtatus Open.. 


FCRA violations : accounts not minXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1300.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1700.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2800.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$1.00} XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Account charged off. {$1700.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1600.00} XXXX Account charged off. $

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 2016-10-01
Company: Social Finance, Inc.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
SoFi is advertising that the average consumer saved over {$17000.00}. This is predicated on optimal terms and the fact that a variable rate loan does not adjust. First of all, the optimal customer is not the average customer. More importantly, that statistical probability that a variable rate loan will not adjust during its life is nearly null. I would like to know, quantitatively, how many loans SoFi has issued that meet the advertised criteria ; delineated between fixed rate and variable rate. This is yet another example of how this company appears to be engaging in deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I submitted a dispute to transunion. 
The following account had failed to verified accurately and the credit bureau failed to provide proof of their nvestigation, but is currently being reported as verified. 
Creditor : XXXX XXXX XXXX  XXXX XXXX  I have also disputed with the other XXXX bureaus and successfully had them removed due to lack of verifcation and accuracy.

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 2020-01-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted ARS ACCOUNT RESOLUTION, to get information about a debt. A woman named XXXX, became very rude and aggressive, using a condescending tone and got loud, rude and disrespectful, when I was asking simple questions. Had ZERO customer service skills.

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 2015-11-03
Company: Pinnacle Credit Services, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a settlement and paid it. Debt remains marked as open and owed on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello - I received an Escrow Account Statement for my mortgage dated XXXX/XXXX/XXXX indicating there was a surplus of {$1700.00}. My mortgage is serviced by Seterus Inc., loan # XXXX. In the past, Seterus was very good about issuing a check for a surplus. I waited about 30 days but did not receive a refund. My loan is current, in fact, I make extra payments. Sometime in XXXX I called them inquiring on the status of the refund. they indicated that it takes up to 8 weeks. I waited ... I called back in XXXX, spoke with XXXX XXXX and she indicated that that it would take another 4 to 6 weeks, I asked to have this escalated as this did n't sound right. I called back the next day and spoke with XXXX and explained I was calling to confirm the escalation. she indicated there was no escalation. asked to speak with a supervisor ... during the transfer was disconnected so I called back. was connected with XXXX ... he was very nice but again said there was nothing he could do and needed to wait another 4 to 6 weeks. Asked to speak with a supervisor and was connected with XXXX. He requested a 'task ' to issue a check for the surplus but again it would take 4 to 6 weeks. I reminded them that according to the rules, the surplus should have been disbursed within 30 days back in XXXX. I feel that they are in violation and taking advantage of me ... Asked him to escalate the request. Called back today XXXX/XXXX/XXXX, they show a task to disburse the surplus but again will be in 30 days. I 'm very frustrated and not convinced that I will receive a check ... this company is not responding properly and i have asked to file a complaint their response is 'a task has been submitted and you should receive a check in 30 days '. I feel like I may not see the funds ... They have my money ... They have benefit ... I 'm at a loss of what to do ... Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.

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 2022-02-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I 've just returned from the XXXX for my business. I was traveling in remote areas of the country where the vendors I was purchasing from, for the most part, only accept cash. I used my XXXX Bank of America debit cards to access cash. As a bank of america customer from before it was called Bank Of America, I was charged {$440.00} in foreign transaction fees for accessing cash from my OWN BofA accounts. BTW, that same cash on deposit earns virtually no interest & they use my cash to make money via lending and other services. To charge me {$440.00} just to access my own cash which is on deposit with this institution essentially for FREE ... has me off the charts angry. This should be illegal & it is ethically & morally wrong. I can not believe I have been loyal to this institution for this long! In addition to these I also have been assessed {$130.00} in fees on my BofA VISA credit card. Essentially, it cost me {$580.00} to be a Bank of America customer visiting XXXX XXXX for XXXX days. Of that {$580.00}, at least {$440.00}, or 77 % was a fee to access my own money. How can this even be legal???? I would appreciate any help you can give me in getting these fees 100 % refunded. To date, they have refunded {$230.00} without explanation as to how they arrived at this figure. It matters not - it should be 100 % refunded & should never have been charged. I would like to know what the tax dollars I pay are doing to protect me???? XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX US Credit Card division places a 26 % APR on credit cards ... ..these are predatory percentage rates similar to a " pay day loan '' rate. Also, whenever, you request a credit line increase from this company, they place a " hard credit inquiry '' on your credit report. 
I have XXXX credit cards. All are at a zero balance. I have an XXXX credit score. Every " hard pull '' credit inquiry hurts my credit and stays on my inquiry with the bureaus for 2 years. 
This punishes a customer for asking for a credit line increase. Every other credit card company uses a " soft pull '' for credit line increases or history with the account for the purpose of credit line increases. I do not accept these " hard inquiries '' being placed on my credit file. I have a PERFECT record with XXXX on all 3 accounts with their company. However, I have 6 " hard pulls '' on my credit file for asking for credit line increases which have always been approved. But, I don't want or accept the " hard pulls ''. 
This action must stop. It hurts the consumer 's credit rating by doing a hard pull and stays on their file for 2 years. I've contacted XXXX but they state this is their SOP and it will remain this way ... .PERIOD.

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 2022-07-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received loans from Navient XXXX XXXX XXXX XXXX during years XXXX and am disputing the charges based on the Federal law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX refuses to remove the XXXX XXXX XXXX Auto Collection Account. I request a reinvestigation and removal of said account as it is too old to be on account. Account was charged off in XXXX XX/XX/2009 and the Statute of Limitations have long since run out. Original case against XXXX XXXX XXXX through CFPB is : XXXX. 

XXXX XXXX XXXX has been served a CEASE AND DESIST letter ordering them to stop all contact with me. At this time, XXXX is still reporting an account too old to be on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchase products with XXXX using Affirm payment plan. Ive returned several items back to XXXX and also notified XXXX the items returned but Affirm hasnt updated the balance. I spoke to XXXX Supervisors XXXX who confirmed the new amount. Per XXXX they have notified Affirm and XXXX sent a text of the new balance on each loan. The problem is Affirm isnt updating my loan amount. They are making me pay the original loan amount as if I never returned anything. My loans should be reduced! Affirm instruct customers to contact the Merchant for refunds. Ive contacted XXXX but Affirm need to fix my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Previous vehicle sold to me were under false pretenses and misleading information. The vehicle had manufacturer defects as it was just redesigned with defects that weren't found during manufacturing. A similar vehicle was obtained to replace the defective vehicle and several ( 15 ) credit inquiries were made to approve a line of credit to finance the vehicle sale. The attached retain installment contract is not accurate and the dealership along with the manufacturer needs to remedy the situation by replace and repurchase the vehicles and any and all possible solutions to rectify the situation to avoid litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I want an appeal of CFPB 's inaction regarding Case number : XXXX. Bank of America stopped accepting my regularly scheduled mortgage payments which were set up by my Bank of America Branch Manager to draft bi-monthly from my Bank of America account. My account was filled with plenty of funds to make all due payments. BOA failed to notify me of this arbitrary cessation in any way whatsoever. BOA also failed to telephone me when my payments were not received. They then placed my account in Foreclosure and still failed to notify me in any way. Through my own research I learned BOA 's XXXX-based foreclosure attorney tried incorrectly, to deliver a foreclosure notice to my tenants. ( This property is a duplex and it has been a rental since the inception of the BOA loan ). Still, BOA made no effort to contact me. I learned about the forexlosure through my own efforts noticing my payments were in arrears on a basic monthly statement, going into the bank, being told I had ti call the XXXX Department. i was then on hold for 90 minutes inside the bank, told a " pay-off '' would be faxed within two hours to the bank branch and only then could i pay anything on my loan. The fax never arrived. I was then told after 30 or 45 minutes on the phone that payoffs are " never faxed '' and would be mailed. When it arrived I had to pay over {$2500.00} to reinstate my loan. I have since tried for almost a year to contact BOA and to obtain what I asked CFPB for - a refund of the {$2500.00} plus letters written to the credit reporting agencies to clear my credit. BOA has hung up on me multiple times and I had had no relief. CFPB considered this case " resolved '' on BOA 's word without obtaining any documentation from BOA. BOA has been sued by numerous state attorney generals for taking advantage of consumers. I ask you to do better in my case, please.

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 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Negotiated settlement and XXXX issued in 2014. Full amount still reported on some of major credit bureaus.

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 2019-08-26
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I received a certified letter from XXXX XXXX XXXX XXXX saying that my loan had been purchased back in XXXX of this year unknowing to me by Fay Servicing LLC. My mortgage was set up on Auto pay from my bank so I was thinking my loan was being paid. I had no idea that this company bought my loan because I have not received and letters or notices from them to start paying them. So now they are threatening to foreclose if I dont pay {$4800.00}. There is only {$3200.00} owed which I have no Problem paying. The rest is extra interest and late fees they are adding that I dont feel that I should pay because I was never notified until I received this certified letter on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Since starting to make payments we are being billed twice a month now for interest. However, before we started to make payments it was only once a month.

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