BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In either XXXX or XXXX my amount due on my private student loan went up almost $ XXXX/month. I paid it, but it was causing financial hardship for myself ( between my private loan and my federal loan both owned by Navient I end up paying nearly $ XXXX/month, not to mention another loan from XXXX XXXX for $ XXXX/month ). 

I was advised by XXXX customer service representatives that they were unable to assist me, but if I let my loans go into default, there would be options available to me. Against my better judgement, I did n't pay my loan last month as advised. 

When I called today to see what options were available to me, I was told that they were able to lower my payments by $ XXXX/month ( great, awesome ) ONLY if I signed up for automatic debit. I had signed up for automatic debit in the past and had so many issues with it -- from payments being unequally applied to loans, incorrect amounts being debited to unauthorized payments taken out. At this point I asked to speak to a supervisor to see if I could explain that to them and see if they would agree to waive this stipulation. 

Beyond the supervisor being completely rude, I was told the same thing - there is nothing that can be done unless I set up automatic debits. I asked if there were any guarantees or assurances that issues that I 've had in the past would n't happen again if I signed up for automatic debits, and the supervisor got very insulting and surly. I am so disappointed in this company, I am willing and actually able to pay my loans, and have been for the past year or so BUT I can not pay this amount right now. I am feeling so despondent and hopeless after this call with your company. I just do n't know what to do with these loans anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX - NewRez sent me an e-mail telling me that I can send proof of home insurance to XXXX On XX/XX/XXXX - I sent proof of home insurance ( this new insurance had information like ID # from previous insurer for year XXXX ) to NewRez at XXXX On XX/XX/XXXX - NewRez placed a lender home insurance on my profile Following that date, I have repeatedly called into their system following many redirects and loops that inevitably disconnected on me. For the few times that I got through, I reached a human staff at NewRez. I was then instructed to send all of my home insurance info again to XXXX I still see a balance on my escrow account ( I originally did not have any escrow account ). I have attempted in good faith to follow up with NewRez request for information and supplied all necessary documents. 

NewRez has so far not been cooperative and has placed a balance on my file in bad faith and isn't trying to handle this situation in a timely manner. This happened before the COVID-19 became a serious problem in the US.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
I have 6 student loan accounts that were forgiven under the Total and XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. In XXXX, the Discharge Monitoring Process was completed and finalized. Now it appears that I have XXXX student loan accounts. The original XXXX that note late payments that were actually in forbearance, so they weren't really late because they were suspended. The six forgiven versions from Dept of Education aren't even correct- they show payments made and open - basically Experian is doing all kinds of sloppy. I've disputed online. I've called them directly. I've called Dept of Education. These original loans are from XXXX and XXXX and are fully and completely forgiven.

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 2016-08-31
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Could CFFB and Navient please provide a ruling or further explanation on the Auto Debit Repay Benefit for Student Loans? 
From the XXXX website : XXXX " Direct Debit ( ACH/EFT ) Discounts : Interest rate reductions of 0.25 %. Require that all payments must be paid on time ( usually defined as within 10 to 15 days of the due date ). Even if you sign up for automatic direct debit of the monthly loan payments from your bank account, you can still lose these benefits by having insufficient funds in your account. If you are late with a single monthly payment, you lose the benefit permanently. '' Could you please clarify " can lose these benefits '' as it is written? Or " will lose '' these benefits ''? 
My reading of the rule is that the Auto Debit Benefit is lost forever if a payment is late ( incurs late fees ), but I find nowhere the language that states specifically that an instance of insufficient funds from an ACH payment automatically disqualifies the Auto Debit Repayment Benefit, unless of course those insufficient funds are a reason that a payment ends up being late and thereby incurring late fees. 
I have never, ever, not once been late with a student loan payment, but one time I did have insufficient funds from an {$120.00} Auto Debit on Private Loan -XXXX on XXXX XXXX, 2014. However, I was never late with a payment. 
Once I realized the insufficient funds, I made payments towards Private Loan -XXXX both through my bank and within the Navient website, so that within the 15 days from the due date, I had made two ( 2 ) payments, XXXX XXXX, 2014 for {$120.00} and XXXX XXXX, 2014 for {$120.00}, which is actually twice the amount that was owed. I incurred no late fees, which is the definition of a late payment. 
Navient removed the 0.25 % Auto Replay Benefit from XXXX XXXX in XXXX 2014 ; however, I have never been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX I went to transunion.com to learn how to freeze/unfreeze my credit report. The website mislead me toward signing up for month service at {$24.00}. I thought I immediatelt phoned and cancelling this unwanted/unneeded service. I received a credit card statement showing the {$24.00} billing but no credit. I phoned transunion on XX/XX/XXXX and cancelled the service ( call # XXXX? ). On next next billing statement I see that I am still being billed $ XX/XX/XXXX for the service. This is now two billings where Transunion now needed to provide credit plus still cancel the service. 

Today/ XX/XX/XXXX, I can not speak with a live person to cancel the service and received credit for previous billings. I have phoned XXXX but can not get to a live person and am told via recording that no service personnel are available to cancel the service and my call is disconnected. Same instance when I call XXXX. When I reach a live person at XXXX I'm told that they can not cancel service and that I need to call XXXX again. When a phone XXXX and asked for a Manager-on-Duty I'm transferred and my call call is automatically disconnected again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A check to pay my Conn 's XXXX XXXX account was mailed on XX/XX/2020. They received a check in the amount of {$670.00} and it was deposited to their account with XXXX XXXX. It was deposited on XX/XX/XXXX and the account number was written on the check. I have called Conn 's 21x since XX/XX/XXXX because they kept claiming they never received it. I placed a trouble ticket and after my 15th call someone finally escalated the issue. I uploaded the check to prove that Conn 's cashed it. I have been calling every other day and the only response I receive is that they are working on it. Meanwhile, the interest keeps accruing. 

The check was mailed to the address listed on their website in XXXX, TX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
*** THIS ACCOUNT IS CLOSED XXXX** RE : XXXX XXXX  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I Transunion is showing that you are actively reporting this card payment status as Past Due 30 days with a XXXX ( {$0.00} ) dollar balance. When it should be reported as a different status as this account is currently closed. Per the credit report alert from XXXX XXXX reporting agencies is showing this is being reported to Transunion actively. It shows I have payments made and late in XXXX and XXXX. How could this be when this account was closed in XXXX of XXXX. 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to have this updated in a timely matter as outlined in the FCRA Section 623 : [ Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please see the attached document from XXXX XXXX who states they receive all active information from XXXX, I have spoken with Transunion who is advising this is being furnished actively by you, even though this account is closed with a XXXX  balance. Please update the payment status from 30 days Past Due to either Paid Collection Paid Settled or the proper payment status that fits this account being paid off. I am asking and requesting for a full research and investigation into why XXXX XXXX  and Transunion still shows this as being actively reported when it is closed and paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The credit cars report that I have a delinquency public record and I do not

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 2022-09-01
Company: American Credit Acceptance, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I took a car loan out in XX/XX/2021 with American credit acceptance they gave me an APR of 24.9 % and this is against the law APRs can not be that high it more than doubled the price of the car In New York, the maximum rate of interest on a loan is 16 % per annum. If a lender charges more than that, it may be liable for civil usury. Interest that is higher than 25 % constitutes criminal usury. However, there are various exceptions to these laws depending on the type of borrower and the amount of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I payed this off I on XX/XX/2016 I want this off my account the store I payed was on Airline in XXXX XXXX XXXX TX please call to get this off my account thank you

Company response to consumer: Closed
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX  XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Transunion has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In addition Transunion failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Transunion has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Transunion should be held accountable for violating the Fair Credit Reporting Act.

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 2016-01-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I would like to voice a complaint against XXXX XXXX/Navient. This is in regard to a private loan for {$25000.00} to attend a XXXX called XXXX XXXX in XXXX XXXX, Michigan. XXXX XXXX was in the XXXX Bank building. I heard the ads for XXXX XXXX on the radio. This happened in XXXX. I 'm not sure if XXXX is still open or not. Their ads are not on the radio anymore. I did some research in XXXX and XXXX and discovered that XXXX XXXX was mentioned at XXXX websites : XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ) for being an money-making scam. XXXX XXXX was also mentioned at these XXXX sites as the lender. I then discovered that XXXX XXXX changed their name to Navient and XXXX changed its name to XXXX XXXX. Then I did a search on legal action against XXXX XXXX/Navient and found a report, in the form of a PDF file, from the XXXX XXXX XXXX XXXX. It is titled " The XXXX XXXX Saga : A Government-Created, Student Debt Fueled Profit Machine. '' Right now, it is hurting my household budget. Even though I 've been making the payments, they are not on the due date because of other payments I have to make. The monthly payments are between {$220.00} to {$220.00} per month. I also never found an IT job after completing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Well my capital one customer and corporate office personnel are calling me mam instead of sir and frankly being rude and being disrespectful towards my medical condition and seems no one is trying to solve all these issues or giving me the proper supervisors or a over all boss or the president of the company. Please fine them or help me file a major complaint against them or take them to court or whatever you all do.thank you  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My Citi Diamond Preferred Card offered a feature called Flex Pay, where purchases over {$100.00} are split up into monthly payments with a choice of terms and a lower fixed APR of 13.99 %. A maximum of 7 Flex Pay plans are allowed at one time on an account. I had 11 purchases that qualified. All the offers said " Offer good through XX/XX/2020. '' When I went online to sign up for them on XX/XX/20, my purchases were no longer listed as eligible. Their chat feature online was not working so I called Citi Cards at various times that same day, but their phone lines were always busy. On XX/XX/20 I tried phoning again and reached a representative who said I no longer had eligible purchases for the Flex Pay plan because the billing cycle had ended the previous day. I asked to speak to a supervisor ; he told me the same thing. He said that he was sorry, that the statement about the offer being good through XX/XX/XXXX was misleading and he would file my complaint, but there was nothing he could do to get the lower interest rate for me on my purchases already made.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT XXXX time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 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 15 U.S. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 non-monetary relief
Consumer complaint received 2016-06-16
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have never been contacted by this group. The only reason I knew of debt was when I applied for a mortgage in XXXX 2015, and it had impacted my interest rate. XXXX XXXX XXXX XXXX re : bill, and asked for an invoice/bill, which I did n't receive. Paid debt anyway in hopes it would n't continue to negatively impact my credit. It is still being reported by XXXX credit agency XXXX, and not XXXX. When revieing the record it is still noted as unpaid although there is a XXXX balance. I believe this should be removed due to the fact that I was never made aware by XXXX, nor CBE of the debt in any manner ; therefore I was never able to pay the bill in a timely manner.

Company response to consumer: Closed with explanation