BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: SLM CORPORATION
State: CA
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:
Sallie Mae enrolled my two private student loans in a modified repayment plan in XXXX of 2021 without my knowledge or permission. No document was sent to me notifying me of the change, and no documents were posted to the Sallie Mae site other than my statement referring to the new plan. The modified plan switched me to interest only payments vs. principle and interest payments, which if left as-is will cause me to pay an additional year 's worth of additional interest -- thousands of dollars. I didn't realize what was going on until XX/XX/2021 ~three months into the modified plan. I called Sallie Mae to get additional information and the first service representative I spoke with said it looked like I had been enrolled in a deferment plan before the line was suddenly disconnected. The second representative said the same, and told me that she'd ask for research to be done to find out what happened. I asked her to remove me from the modified repayment plan so that I could go back to making principle and interest payments. She said that she put in the request. I hope I'll receive some sort of confirmation letter or email but I suspect I'll be unenrolled from the modified repayment plan in the same undocumented manner I was enrolled. 

I have attached a statement for one of my loans prior to the change, and one after. Both of the loans I have with Sallie Mae are affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a Victims of Identity Theft. I Never Authorize this Account I want This Account Removed From my Credit

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 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I am disputing a charge on my CAPITAL ONE credit card by XXXX XXXX and my credit card is refusing to honor my dispute. I seek a credit of {$86.00}. 

TIMELINE : XX/XX/XXXX - I am billed {$100.00} by XXXX XXXX on my CAPITAL ONE credit card. This amount overbills me by {$86.00}. 

XXXX XXXX - I attempt to resolve the dispute directly with XXXX  unsuccessfully. 

XX/XX/XXXX - I file a dispute of {$86.00} with CAPITAL ONE. 

XX/XX/XXXX - I am credited {$86.00} by CAPITAL ONE and asked to supply additional documentation. 

XX/XX/XXXX - I file documentation with CAPITAL ONE providing information on my dispute. 

XX/XX/XXXX - CAPITAL ONE responds and indicates my documentation " lacks all of the previously requested information needed to validate your dispute '' ( which is false ). 

XX/XX/XXXX - CAPITAL ONE credits me an additional {$86.00} ( in error ). 

XX/XX/XXXX - CAPITAL ONE notifies me that I was erroneously credited {$86.00} two times and rebills me {$86.00} twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
An Unauthorized payment from my account by 1st Franklin Financial Corporation in XXXX, XXXX Basically fraud. A payment was issued from the company without permission. In XX/XX/XXXX, I made authorized a payment on behalf of my cousin XXXX XXXX living in XXXX XXXX, GA over the phone. I confirmed it would be a one time payment and that my information was not to be saved on the account. Yesterday, XX/XX/XXXX a charge appeared on my account from the company for my cousin 's account. I informed her of the pending transaction and she assured me she had called and gave her card number for the payment. She called 1st Franklin to make them aware of the error and stated that T**** the representative said it can not be corrected or reversed back to my account. I also called the company and was transferred to T*****. The male person that answered said I had the wrong number. The amount of {$190.00} posted to my account this morning. This is fraud. It was not authorized and they stored my information. So basically they have my account information to do what ever they please with it. To say they will not correct the mistake or if it was on purpose should be illegal. Now I have to pay my bank to attempt a dispute for an account THAT IS NOT EVEN MINE to begin with. I need someone from the company to contact me ASAP. I did not give authorization for the payment on XX/XX/XXXX only the previous payment in XX/XX/XXXX where I called myself to the XXXX, GA location. My cousin also tried to have the payment reversed because they also completed the payment from her card, so they have two payments - one not authorized. My personal information has been illegally compromised. 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 2015-11-21
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Consumer Portfolio Services. The interest charges does not match what they say it is. It is only corrected when I call every month. If no one calls about it they will take your money without a doubt. Rude customer service. Total rip offs!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXXwas the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX  XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a XXXX XXXX for {$10000.00} credit in my name on XX/XX/22, then they tried to open XXXX XXXX and XXXX XXXX cards in my name around XX/XX/22. I have contacted all XXXX companies. But they are sending me letters saying I am " disputing a transaction ''! I am NOT disputing a transaction -- I am DISPUTING THE WHOLE FRAUDULENT CARD! 

I filed a police report, an FTC report, a report XXXX all XXXX credit bureaus, an alert to the XXXX XXXX XXXX XXXX in Florida, and alert to the Senior ID theft website, and everything else I can think of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 convenience check

Complaint:
I used a promotional convenience check. The expiration on the promotional interest rate of 0 % was XXXX. In late XXXX I realized the balance of the promotion was still virtually unchanged. I called to pay off the promotion balance to avoid the future interest on this balance. I was told that I could not pay on the promotion balance even though I had already paid the minimum due on the higher interest rate balance because of their algorithm. The promotion gives you 0 % interest for a limited time as long as you pay the balance within that limited time. However none of your payments go towards that balance and I was not allowed to pay that balance without first paying all the higher interest balances on the account. This is locking me into a high interest rate on this balance and unfairly leaving me no options to pay the promotion balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Flagstar Bank, N.A.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/20 I applied on line for mortgage relief through CARES act. I applied 2 more times because I never received confirmation that my request was received. I called XX/XX/20 and was told that I would be notified by mail and that I would receive 6 months of mortgage relief ( no payments ) but at the end of the program would need to make arrangements to catch up payments with no interest or late fees ( balloon payment ). As I understood the program that process was distinctly discouraged and rather apply missed payments at the end of the loan ( 6 month loan extension ). What they are doing now doesnt necessarily help consumers because now I'm worried if I cant make up {$6000.00} worth of missed payments I will be foreclosed on ( stressed out ). Please let FLAGSTAR BANK know that their interpretation of the CARES act is inaccurate and they need to change their procedure regarding this program that is ment to help consumers.

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 2017-03-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I found your company information while researching who to complain to regarding citi bank. I have had this card for a few years now and I have paid it off a couple of times and kept if for emergencies. I have had struggles at times like anyone else now a days and I have called into Citi bank each time to work out a payment plan in order to get my credit in good standing. Long story short I have not received child support countless times which cuts into my monthly income, my children have medical bills that need to be paid before they can be seen for a doctor visit, emergencies on my home that need repaired. I can hardly ever get ahold of an actual person and once I do I am switched around countless times from department to department trying to set up a payment or schedule a payment or if I need to, make a payment arrangement for my account. Once I do talk to someone it is never a supervisor like I ask for, instead it is someone who says they are going to note my account, set up a payment plan, waive a late fee and it is never done. Each time I have called Citi bank and they have sent me countless emails stating " they know times can be tough, and they are here to help '' offering me payment arrangements and reduction of my monthly payment, etc. However, none of these " offerings '' ever get put into place. My account is always charged late fees even when they say that they will be waived so that I can catch my account up. My monthly payments were never lowed but raised. My account has been under my credit limit and paid up to XXXX currently and they just took it upon themselves to close my account. This was done without any warning or anything and also done while my account was current. This will affect my credit and I would like to get this resolved and my credit not affected for their horrible customer service or lack thereof. I would really appreciate any help that you can give. I work full time and I am a single mother of XXXX children so yes, my priorities are n't always my citi card, however, I always chat or call them to alert them to my situation and try to work out a solution to where I can get my account current and it not affect my credit score.

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 2017-02-22
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband died in XX/XX/XXXX and I was making the house payments but, fell behind because I had to fix the the house. I have been trying for 2 years to talk to the bank but, they keep saying that I am not on the mortgage. I sent them a copy of the mortgage that, shows my name and it took them months to acknowledge. Then they took me to court and said, my dead husband filed for bankruptcy and gave up the house and got a judgement and the house now has a sale date. I applied for a modification and they keep sending letter I did not send documents and when I call they find them. Now they want me to start the who process again, when I have submitted all the documents. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
This is a complaint involving the Amtrust Bank, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. My brother XXXX XXXX passed away in XXXX XX/XX/2016. He left a small bank account without a beneficiary. The account was left in Queens Counry Bank which is affiliated with the Amtrust Bank. I am his sister XXXX XXXX, his closest relative. When I spoke to XXXX XXXX in the bank regarding withdrawing XXXX remaining savings account I was told that I did not have the proper documentation. I presented XXXX death certificate and my ID. XXXX was XXXX before the age of XXXX and was receiving benefits under my fathers Social Security number. My fathers SS number appears on my brothers death certificate because he is considered a child under federal law. I went to the social security office and got a signed document stated XXXX own SS number and presented it to the bank. This number was the number that XXXX used to open the account but it is not the number that the Federal Government has as his official identification number which is why his death certificate uses his fathers number as XXXX 's ID. I presented my fathers SS card and death certificate which shows the link between my father and brother but the banks legal department still will not allow me to withdraw the account. Even with the SS official letter and all the above ID the bank still insists that I change XXXX SS number on his death certificate to his personal number. When XXXX took out his SS number at the age of XXXX he used his nickname of XXXX XXXX which his not his legal name therefore his SS number is not even legal. When I went to the SS office they could not pull up his number and had to manually type it in to the letter. When they have put my brothers information into the computer my fathers number comes up under his name. Being the Federal Government recognizes this number as my brothers because he is a XXXX under my fathers number and because the bank has allowed XXXX benefits to be deposited into his account every month for many years using my fathers SS number, I believe they should release his bank account. I hope you will help me to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: BANK OF THE WEST
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was compromised and there was 27 charges in the amount of XXXX for XXXX on XX/XX/XXXX I contacted my bank and apple on XX/XX/XXXX to report the fraud before the charges have processed. XXXX could not or would not reverse the charges, and my bank would not file a fraud report until the fraudulent charges had processed. 

I filed a claim after the charges have cleared my bank, the funds remains unavailable to me and I was told it could take up to 10 days for the claim. The bank is not moving any faster on this even given the significant amount. If I didn't have an emergency fund in savings I would be in trouble.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have filed a complaint against Navient prior to this for their reporting of information on my credit report. Navient sent me 2 email updates after I disputed several late payments that they were reporting on my credit report saying they were investigating and I would receive an update by mail when they were finished researching. When I filed a complaint on them, they responded by saying that there investigation showed that all of the late payments reported were correct and I disageee. Navient has failed to show me any proof of these late payments that they are reporting. I sent in my request and they received it on XX/XX/XXXX. If Navient has not furnished the documentation that they used to verify these late payments by XX/XX/XXXX, which is 30 days from the date that they received my notice, I would like for them to delete these late payments from all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests mentioned in the list. I have reported the theft of my identity to the Federal Trade Commission and I have attached the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did Not Give any consent To Open These Accounts

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