BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi Navient is showing variable amounts of interest for my student loan with a fixed rate. when I called on XX/XX/21 and spoke to them they couldn't explain the variance to me. For example my account history on their site shows the following amounts for last three months XX/XX/21 $ XXXX $ XXXX XXXX XXXX XX/XX/21 $ XXXX {$360.00} XXXX $ XXXX XX/XX/21 $ XXXX {$140.00} XXXX $ XXXX As you can see these amounts are representative of a fixed rate loan. Please look into this issue and provide support... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: FL
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 contacted Equifax on at least 5 occasions to include a XXXX XXXX credit card on my profile. I have provided photo identification, my ss #, and a copy of the card. Because they have refused to update my profile, my credit score remains below 600 and I have been denied credit on several occasions. I have had the card for at least 4 years, yet my credit profile with Equifax claims I have no credit history. I have contacted them via letters, online disputes, and telephone ... ..to no avail. 

Please advise as to other remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: AES/PHEAA
State: NV
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:
Took out a studen loan for my XXXX when he attended XXXX XXXX XXXX and finished in XXXX. As co-signer I have been paying off this loan and am now approx XXXX years in advance of payment date. Just last month I noticed that American Education Services XXXX AES ) raised my interest rate nearly XXXX percentage point without any notification. I find this to be illegal as XXXX and they are trying to maintain some form of percentage in the positive for the remainder of the loan. My account number at AES is XXXX and after numerous attempts XXXX emails, phone calls, etc. ) I have been unable to get them to explain why the rise in interest rates that started out at XXXX XXXX and is now at XXXX XXXX or so. I am also going to file a complaint with the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 2023-03-30
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XX/XX/2021. I tried cashing a chck made out to me from my Property management company for XXXX and had current drivers license. Bank of America refused to cash the check because i did not hold an account with them

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 2017-10-24
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called the company XXXX XXXX to inquire about payments on XXXX XXXX, and was told erroneously that I was current, because the employee misread some refund escrow check and took it for a payment. 
I am on autopay for my XXXX payments from my XXXX XXXX checking account to my XXXX XXXX  mortgage account Missed the XXXX XXXX payment, and that cancelled the autopayment against my will I did not realize it, so I missed XXXX more payments When I realized it I made the payment for the XXXX missed payments on XXXX, but my XXXX XXXX had already been affected. 

my account is now current

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 2021-12-06
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had to call XXXX times over the past few months trying to get my student loan refinance overpayment check refunded to me and so far they tell me the same thing every week that it is in accounting to be processed. I have been placed on numerous " rush order '' lists that are supposed to expedite the process, but nothing has moved in this time. Calls occurred on XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ). 

This was a refund check for XXXX $ so no small amount. That could have helped me pay my loans on time last month, but I had to make late payments due to this mishandling of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: ALLIANT CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I noticed about XXXX of fraud on my account. I tried to dispute these transactions on there website but for 3 days it said I have no transactions to dispute. So I called in XXXX to dispute the transactions. Guess what the rep only took notes. Fast forward a rep calls me Monday and says the rep could not dispute the transactions I would need to go over them with her. 

Then she had the same issue and it said I had to transactions to dispute on this account. Then she put me on hold to someone in another department. 

Well guess what the call got disconnected and she did not call back. 

I am hold for XXXX minutes now. This customer services sucks. 

I feel like they do this on purpose not to get your money. 

I Have XXXX in fraud and couldnt even pay rent because of this. Horrible way to treat a veteran like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I just received correspondence from Convergent Outsourcing, Inc. regarding a balance I owe to XXXX XXXX. A representative from Convergent contacted my XXXX year old son asking to speak with me. My son 's phone number is private and I have never provided it to anyone. I am unsure of the method used to obtain his personal information, but I am not happy and advised them of my concern.

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 2020-05-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently obtain a copy of my credit report and noticed several accounts that did not have any knowledge of

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 2021-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my mortgage since XX/XX/XXXX. My current lender is Citizens Bank. I have a charge off of a HELOC in the amount of approximately $ 45K since XXXX. Every month since XX/XX/XXXX, I have had an automatic debit from my checking account for {$500.00}. Current balance is now approximately {$16000.00}. 

In order to refinance, I need a statement from Citizens that reflects my on time payments of this charge off for the past 2 years. 

Repeated attempts have been met with no response. This is the final document that I need to close on a refinance. 

Per Citizens Recovery Department, I was to send a request for the statement with my signature to XXXX on Thursday, XX/XX/XXXX. I informed them that it was urgent. No response. 

At the same time, I contacted Citizens Mortgage to get a statement for my current mortgage. I received that in 48 hours. 

This is the second attempt at refinancing and, in XXXX, my refinance was closed because of untimely document receipt. Once again, this HELOC statement was the only document missing during that attempt. 

I feel as though Citizens is deliberately blocking my attempt to refinance. My loan with them is at 6.8 %. I have been unable to take advantage of low interest rates because they will not release this necessary document. 

I am at my wits end. Filing this complaint seems my only recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have Wells Fargo Visa Credit card. As per the terms after spending $ XXX within 60/90 days one will get $ YY as the cash rewards. I have {$210.00}. When i tried to redeem it - it 's only letting me redeem in the multiples of {$25.00}. I want to redeem all. Trying to work with Wells Fargo since XX/XX/XXXX regarding this issue. They asked me to reach out to the Rewards Center ( 3rd party ) but they are also not willing to write me a check of {$210.00} and send it to me.
Nowhere it 's mentioned in the card member agreement that rewards can be redeemed only in the multiples of {$25.00}. Moreover other banks and credit cards also does n't follow what Wells is doing.

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 2021-06-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened my TD bank checking account on XX/XX/2021 with a promotion for {$300.00}, i satisfied all requirements for the promotion in XXXX XXXX i have reached out to td bank and i was told i do not qualify for the promotion. which seems inaccurate i have included a copy of the terms and the promotion i have applied for in XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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:
XXXX XXXX 1. XXXX XXXX credit limit {$9000.00} ( closed ) FRAUD 2. XXXX Bank credit limit {$5000.00} ( closed ) FRAUD 3. XXXX XXXX XXXX  {$140000.00} ( closed ) FRAUD 4. Idaho XXXX and XXXX loan amount {$7200.00} ( closed ) FRAUD 5. XXXX balance {$340.00} ( closed ) FRAUD 6. XXXX XXXX balance {$0.00} FRAUD 7. XXXX XXXX XXXX Balance {$0.00} ( closed ) FRAUD XXXX. XXXX XXXX XXXX XXXX {$2100.00} FRAUD 9. Dept of Ed XXXX Balance XXXX FRAUD 10. Dept of Ed XXXX XXXX {$3000.00} FRAUD 11. XXXX XXXX XXXX {$140000.00} ( closed ) FRAUD EQUIFAX EQUIFAX XXXX XXXX XXXX bank XXXX balance {$0.00} ( closed ) FRAUD opened XX/XX/2018 XXXX. XXXX XXXX opened XXXX XXXX Balance {$0.00} ( closed ) FRAUD 3. Department of ED XXXX Balance {$1700.00} ( open ) FRAUD 4. Department of Ed XXXX Balance {$3000.00} ( open ) FRAUD XXXX XXXX 1. XXXX XXXX XXXX Fraud Inquary 2. XXXX XXXX ( closed ) balance {$0.00} 3. XXXX XXXX ( closed ) balance {$0.00} XXXX. XXXX XXXX ( open ) balance {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account from ABLTY RECVRY account number XXXX has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company which the claim {$690.00}.

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 2018-09-24
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2017 applied for a new American Express gold card and was told I would receive 0 % interest on all purchases for 1 year as well as up to XXXX XXXX bonus points on purchases made in the first 3 months. 


In XX/XX/XXXX, when I realized I was not receiving bonus points or 0 % interest I called and they opened a complaints ( XXXX ) and said they would get back to me. Name was XXXX and he said I would have a response in a few weeks. Never received a response back. Called again on XX/XX/XXXX and again was told that we were valued clients ( my husband  has been a cardholder for many years ) and I would receive a response by mid XX/XX/XXXX. Again, never received any response. 


Called again on XX/XX/XXXX and " XXXX '' a manager set up call back for XX/XX/XXXX at XXXX central time. Never received a call back. Called them at around XXXX and was told the " ID '' number XXXX XXXX gave me was not a valid " ID ''. Spoke to " XXXX '' " ID number XXXX who told me she would have her supervisor and a manager review and get back to me. Said she was not authorized to give me their names. No one called me back. 


Called again on XX/XX/XXXX and spoke to XXXX who transferred me to XXXX. XXXX assured me that I would have a response by Monday, XX/XX/XXXX. 


On XX/XX/XXXX, " XXXX '' called me back and said they had reviewed the " recording '' and they would not be honoring the 0 % interest or bonus XXXX points. I asked to have the recording send to me and he called me back and said I would have to have a subpoena. I then tried calling my phone carrier and they said they do not maintain copies of private conversations. 


For starters, I would never have charged that much and left it on the card if I was going to be charged interest. American Express records will show that we typically pay off our card every month. Since I first realized the issue in XX/XX/XXXX, and tried to get it resolved, an additional {$2000.00} in interest has accumulated. Over {$3000.00} total for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by XXXX XXXX ( XXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from XXXX listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with XXXX back in XXXX. I then tried to obtain deletion directly from XXXX and they refused. I then disputed with XXXX, TransUnion and XXXX and TransUnion deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at TransUnion and/or XXXX are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining XXXX accounts should be deleted by TransUnion so I can obtain credit score lift. In fact, the 4 medical collections from Dignity never should have reached XXXX for adverse listing against me. XXXX 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 2017-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from Capitol One Bank. One of these credit cards were accepted by Capitol One for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, Capitol One refused to discharge these cards and have sold the account to XXXX XXXX XXXX who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between Capitol One and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Amsher Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have debt validation request with not response and i have told them repeatedly and that the account that they are reporting is fraud and i did not open them. Ashmer Collections will not comply with any of the XXXX laws and will not give me verifiable proff. I have told them several time the accounts are fraudulent and i get no response from them or put on hold

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1.00} Reason : Account is fraudulent

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