BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I spoke with Navient about getting put back on a payment plan for my private loans since the payment plan that i was currently on would be expiring soon ( XX/XX/XXXX ). The representative assisting me took income/expense information from me and asked me to contact my co-signer to provide her income/expense information. After they gathered the necessary information, i was told that i qualified for a repayment plan with a 1/2 % increase from what i was previously paying. Due to my financial hardship, asked if there was any way that i could continue to pay what i had been paying. I was told no, and informed if i was unable to make the payment that my co-signer would have to. I told the representative that me and my co-signer would do the best that we could to pay the new higher rate. Navient then informed me that i am required to set up my account for them to automatically be withdrawn. I agreed since that is how it was set up previously. They had me verify my account number that they already had on file which was confirmed. XX/XX/XXXX me and my co-signer were contacted stating that i was behind significantly on the behind and demanded that i pay {$1300.00} dollars. I informed them that this should not be the case since they are set up on autopay. they then informed me that the payments have not come out successfully due to them not being about to " locate my account '' and that my bank needs to fix something on their end. I contacted my bank and they are unaware of what Navient is describing. Navient has called me several times a day harrassing me and my cosigner demanding that we pay the {$1300.00} now. Navient also had my address incorrect and i never recieve any documentation about my loans in the mail. I have verified with them repeatedly my address and someone always tells me that they have it updated and it never is when i call. it makes me think that if they can not get something as simple as my address correct, how can i possibly trust them with caring for my account. I 'm completely disgusted with the way that Navient handles business. something needs to be done and they need to help borrowers who are unable to make their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Equifax multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : One was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also 2 others that are more recent but are not mine. I have also contacted the courts to see if they provided Equifax with this inaccurate information and they stated " No. '' Please see attachments. Equifax have different file dates from XXXX which makes me wonder where they get the information. I need your assistance in getting this matter resolved and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
capital one bank suddenly cancelled my credit card account and refuses to provide a specific reason. My account had an excellent 10 year history including no late payments and a XXXX dollar credit line. My credit score is XXXX. The letter from capital one was very vague and ambiguious. Capital one also cancelled my kohls credit card that had the same excellent history. As a result my credit score will decrease. I researched the web and found numerous other people with the same situation. It is very likely capital one will not do business with people that pay their balance every month and do not generate interest revenue for this awful bank. Thank you in advance for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have XXXX ( XXXX ) credit cards from Capital One Bank. I attempted recently to combine my cards and Capital One denied me with good cause as according to there website, I did not qualify. 
I worked very hard for over a month to meet the requirements. I attempted again meeting the announced requirements and yet again, I was denied. The requirements listed were : " XXXX of my cards must be in good standing, XXXX of my cards must be at a XXXX ( XXXX ) balance, both of my cards must be linked to online banking, and neither XXXX of my cards should have pending transactions ''. I called the bank and was told they could not tell me why I was denied because I met all the requirements. I also filed against the bank VIA XXXX. I received the same response from the bank VIA the " XXXX '' as I did from the customer service reps. All I want to do is combine my cards to make it easier for me to manage my credit and pay my bills. If this is not possible and the account combination is a hoax, it is not funny and it should be taken down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I was proposed to get KOHLS card at the cashier for the discount. They told me It would not effect me if I open but not use it. ( that is lie, because as I know now, it effects my credit score ) unfortunately I took it, but I destroyed it at home. After about a month I bought something at their store, using my CAPITAL ONE card, which they swiped, but took money from the account they opened for me, without even telling me they did! Now I have an inquiry for late payment ( How could I predict, They swiped my capital one card and took money from KOHLS card I did n't even have? ). 
They are unable to resolve the problems they created for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}, and XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

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 2015-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Capital one is refusing to remove a duplicate charge which has an identical amount from the same merchant. 
The merchant is XXXX and the amount is {$68.00}. See attached screenshot of account for further details. I 've spoken to them about this and they are unwilling to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ballybunion Enterprises, Inc
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XXXX / Military Credit Services charged me {$5900.00} for air travel to XXXX XX/XX/XXXX. The cost of the travel at the time was {$3500.00}. 

I asked for less interest and a lower rate but was told that that was what they had to offer. I took the offer because my father-in-law died suddenly and I had myself and my XXXX children to purchase tickets for with very little time to spare or available resources. 

I did the best I could and paid {$360.00} mthly on this loan since XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX, I could not afford the pay back amount anymore as I relocated and had a lot of unexpected expenses. 

The company ( Military Credit Services ) reached out to me and I always took their call and responded to their emails and explained what was happening. I requested several times that they re-negotiate the loan so that I could pay less. They refused and continued their collection efforts. First they attempted to withdraw money from XXXX of my account XXXX different times. XXXX of the accounts is an account that they had the information for at the beginning of the loan but was told shortly after not to use and another account number supplied to them. 
Second, they reported the collection to the credit bureaus as XXXX separate loans for {$4200.00} with XXXX different account numbers. All this time not accepting my request and offer of a lower payment. 

How do I get this company to1. re-negotiate the loan and allow me to pay less on a mthly basis. 
2. remove the negative reporting as I did not refuse to pay I kept asking for a lower payment and was denied. 
3. Definitely remove at the very least the double reporting that they did - which makes it seem as if I owe them {$8500.00} instead of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In the month of XXXX I had a death in the family and needed some time off from work so i needed help with my monthly payment on mortgage for the month of XXXX so i called wellsfargo and asked them what i could do so i didnt miss a payment. They suggested a Loan Modification and told me not to worry about making the payment for XXXX that it would be put back into the loan once i was approved i called her several different times and asked her if i should try and make some kind of payment and she told me not to worry about it if i didnt have have the full payment cause it wouldnt apply till i had full payment so i didnt make any kind of payment and then found out that they had denied me for the loan modification and told me i had to come up with both monthly payments. I can not afford to make XXXX payments in 1 month that is why i asked for there help in the first place they refuse to help me and keep charging me late fees every month. I payed the month of XXXX on the! XXXX and instead of them applying it to XXXX they applied it to XXXX and now saying i owe XXXX by XXXX! XXXX i have tried to contact the home preservation manager and left him messages to contact me and i have yet to hear anything back. If they would have never told me not to make that payment i would be up to date on my payments and not getting forecloser letters. It took me 2 years to buy this home only for them to take it away from me. Wellsfargo is doing nothing to help me on any level.

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 2016-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I received a notification from XXXX credit monitoring service that a credit report had been pulled by Wells Fargo on XXXX XXXX, 2016. I called Wells Fargo with XXXX on a XXXX party conversation on XXXX XXXX, 2016 at XXXX XXXX talking with XXXX from Wells Fargo who transferred me to XXXX XXXX XXXX where it dropped off several times. We tried again at XXXX XXXX and after discussing for approximately XXXX XXXX was advised by the Wells Fargo representative that I needed to go to a local Wells Fargo bank and deal with it. So I went to the bank where I had an account several years ago located at XXXX XXXX XXXX XXXX in XXXX XXXX CA at XXXX XXXX and met with assistant manager XXXX who after looking in her computer assured me that no bank accounts or credit cards had been opened using my information. I have received no bill for this, however I am disturbed that XXXX would have received a hit if nothing was opened. I have been noitified by XXXX about 26 times before without a false alarm. I do not know weather the hit was for savings, checking or what because Wells Fargo denied having anything to do with a credit report being pulled. I selected a savings account in the field below because that was the closest option and I had a checking and savings account with them prior. Also I would like to add I only had an account with Wells Fargo because they took over my bank that I had signed up with originally, XXXX XXXX Bank.

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 2015-12-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX 2015, we verbally appealed the first and second mortgage modification offers provided by Wells Fargo to our underwriter XXXX XXXX. We appealed to include a principal reduction. One of the benefits of receiving this would assist our underwater mortgage. A condition we had asked Wells Fargo to help us with several years earlier when H.A.M.P was introduced to assist mortgages like ours, when a hospitalization caused a financial hardship for our family. However, our home was refinanced with our second mortgage interest rate raised. We were told by a representative of Wells Fargo that this action was taken because according to Wells Fargo, we could afford a home that was underwater. For this reason our home was financed without that assistance. 

We are asking for assistance to expedite our appeal, as we have been working to create a healthy mortgage that we can resume paying after our trial payments our finalized. Instead of receiving an answer to the appeal we have been waiting to hear back about, we were sent a letter dated XXXX XXXX, 2015.This letter was received by us on XX/XX/2015. It states Wells Fargo will review our appeal. We are concerned that there is no indication Wells Fargo received our appeal within the time limit given to us by XXXX XXXX. Wells Fargo received a copy our letter XX/XX/2015 through the XXXX XXXX XXXX. XXXX stated to us that she would include a note to communicate her approval of our appeal. This was approximately two and a half months ago. 
We wanted our appeal to be given time to be reviewed thoughtfully, and so we assisted Wells Fargo when asked to put this verbal appeal in writing. We did so with expediency to help Wells Fargo and we continue to do so in whatever way we could to create a healthy mortgage for our situation. We have until XXXX to amend this issue, as we are now official in court proceedings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
For more than one year I have been trying to get my private student loans " holder '' XXXX, now current Know as " Navient '', to reduce payments on my account. I tried asking them to allow a reasonable payment, due to other federal loans in which I have to pay. I thought all was well with the agreement, based off what the representative told me was reasonable, and so the XXXX payment was made. I later received a call, requesting a larger payment on the account than what I can afford. Not being able to come to a reasonable agreement with the managers or supervisors of " Navient '', XXXX, has lead me to become in default with making payments. They refused to accepts the payments on the agreement that was made. I know I have debt collectors calling me at all hours of the day and evening demanding payoff 's that I can not afford. They collectors advised me to ask friends and family for and large amount of money that he clearly stated he knew I could not afford. I asked him why would he ask me if he clearly knew I did n't have this kind of money and he changed the subject. He reverted the subject back to the contract and terms of repayment. I kept asking him if monthly payments was an options until we both got frustrated. I really do not know what to do and need some assistance. I really do not understand how a resolution can come about, if both parties can not come to a reasonable agreement. I tried explaining my financial situations, health issues I encounter and so forth, but there was no compassion or empathy to try and come up with a fair and reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I cosigned on a used car from XXXX with my dtr  XX/XX/XXXX Credit Acceptance was or is the loan finance company .The car was a lemon and the payments were extremely high when my dtr  lost her job because she was diagnosed with XXXX We could not afford the car payments I was on XXXX XXXX Credit Acceptance knew I could not make the payments on a fixed income We made several attempts with them to fix the vehicle but they never did it still malfunctioned like a bad transmission or engine .We asked them for another vehicle or take the car back .they would not do it.the car sat for 3 years and they did not close the account until 3 years later XXXX .They repossessed the vehicle and are now garnishing my pay .Credit Acceptance was investigated for Predatory lending in New York and Michigan.They are also shareholders with XXXXXXXX XXXX XXXX XXXXXXXX company who money launder and double dip with Insurance fraud and Title insurance fraud they sell the vehicles back to shareholders with the Company using fake company namesand addresses of companies that don't exist a bunch of crooked lawyers are the shareholders

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 2016-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
As I am sure you are aware, the practice of Wells Fargo banks opening up accounts without authorization has been going on for a lot longer than the XX/XX/XXXX to XX/XX/XXXX time frame cited in the recent fines. When my wife and I opened a checking account in XX/XX/XXXX in XXXX, Texas with Wells Fargo, we were sent XXXX credit cards that turned out to be actual accounts instead of just pre-approved. When we asked about the accounts that we did not want, we were told that we had to have the credit card accounts because we had overdraft protection, and we were also told that we could not substitute our other credit card account in place of the unwanted ones. We cancelled the unauthorized accounts and our checking account remained in place, which caused us to think that the " requirement '' to have the credit card account was made up. We just had no idea this was a systemic problem as opposed to one overly aggressive employee.

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 2016-08-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo is taking too long to share my transactions with XXXX. This is limiting my ability to use XXXX when I need it. I use XXXX to access my pay when bills are due or I need to buy groceries.

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 2016-10-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on XXXX/XXXX/XXXX a I rebooked and tried to once again pay for a hotel room at XXXX in XXXX XXXX that was denied payment the first time by Wells Fargo Bank without notice and they stated Wells Fargo denied the payment because my debit card had a XXXX limit. I called the bank and they refused to change the limit at all so I could book a new room. They told me to go to the bank and take the money out and pay. I live in XXXX and can not afford to fly to XXXX just to pay for the room. They would not do a one time change just to pay for the room. After a day of phone calls, a bank manager in XXXX where my husband works finally allowed us to raise the limit to XXXX to pay for the room. While my husband was in the bank in front of the bank manager I paid for the room and printed the transaction which showed pending, one for XXXX and the other for XXXX on Monday XXXX of XXXX the transaction is gone. Not pending it is just not there and I have an available balance back to over XXXX . The bank told me it is not there fault and the hotels but it is approved without any proof for me that I paid the bill. It is just gone. They told me before that they own my debit card and my bank account and i just have to wait. What if I lose my room again? They do this with my airline tickets, and cellphone bill every month. This causes overdrafts and shuffling of my transactions out of order of the deposits and transactions made. I have a printout of bank statement for today and XXXX XXXX when I paid the XXXX time. I have no proof of the first time i paid because it disappeared and i did not print it.

Company response to consumer: Closed with explanation