BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I received a bill from TJ Maxx ( Synchrony Bank ) for {$110.00}. I called on XX/XX/XXXX and thought I opened a fraud case since I did not make these charges. They said they would send an affidavit, which I never received. I called again and they said I needed to open a fraud claim. I explained that I did file a fraud claim and never received their affidavit that they supposedly sent. I finally received an affidavit in XX/XX/XXXX and faxed it in on XX/XX/XXXX. 

They do not send status updates and keep mailing bills, calling and emailing. I did NOT make these charges, I was unemployed at the time and am now underemployed. I would like more information on why they refuse to address this issue other than sending bills.

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 monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Since at least XX/XX/2010, I have experienced unrelenting difficulties and obstacles in the adjustment and repayment of my private student loans serviced by Navient ( previously XXXX ). By providing bad information, processing payments incorrectly, and failing to act when borrowers complained, Navient has cheated myself and many others out of our right to adjust interests rates and lower repayments. Navient ( XXXX ) has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment. When facing unemployment or other financial hardship, Navient ( XXXX ) systematically made it harder to obtain my right to a payment plan according to what I could afford. 

Navient has continually obscured information needed to adjust and maintain my lower payments, steering struggling borrowers toward paying more than they have to on loans. In turn, its subsidiaries made illegal misrepresentations relating to the federal loan rehabilitation program available to defaulted borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage on a rental home that turned out to be a XXXX adjustable. This past XXXX, 2015, it adjusted and the PITI increased by {$900.00}. We contacted the mortgage holder, ASC, and inquired about a modification. For 4 months we submitted paperwork to them. They asked for paperwork that appeared to have nothing to do with the modification requested. All docs were provided yet they asked for the same documentation over and over and over and over. Ultimately we were denied. On the phone our " representative - XXXX XXXX XXXX '' said we were denied because the property was titled to our XXXX. However the letter we received from ASC said that we were denied because we were NOT behind on our payments. We appealed with reasoning based on the Denial Letter rather than that verbally given by XXXX XXXX. Denied again, even though the property had since been Quit Claimed out of the XXXX and back into my name. XXXX XXXX continues to say the denial was due to the XXXX titling and that our only option is to re-apply for another modification. We have asked XXXX XXXX for documentation showing the denial was due, as he continually says, to the prop being in an XXXX AND for the HAMP guidelines to see if we 're wasting our time requesting a modification. He refuses to provide either, and double-talks us when we point out the inconsistency between what he tells us and the letters we 've gotten from ASC. 

On-line research into ASC shows that there are an amazing amount of complaints against the company relating to modifications including delays, denials or giving specific instructions for people to get behind in their payments so as to qualify for a modification ... and then foreclosing rather than modifying. In our case we feel we were jerked around for 4, now 6, months making payments to ASC rather than shopping for a refinance. For 4 months our file was reviewed by an Underwriter who seemingly had no training at all - evidenced by continual requests for documentation already provided and an obvious failure to understand what was submitted ( we are XXXX ). And now we are being told to re-apply by XXXX XXXX. In an email request for specific modification guidelines, XXXX XXXX states that his supervisor told him he is unable to provide written guidelines for the modification. He also refuses to provide the letter stating we were denied because the property is in a company name. Are n't we entitled to a valid denial letter? Are n't we entitled to know what criteria we need to meet in order to qualify? It seems as if it is a moving target without any specifics, so denials and approvals are random. We are being given a run around and now XXXX XXXX is not answering emails at all. This is definitely fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and have learn that my personal information was used to open accounts at these companies. i have filed a identity theft report with the federal trade commission to support my request. please see attached 3 page FTC report number XXXX Im also including my Drivers license, Social security card and my current utility bill to support my request. i have sent certified mail requesting valid contracts from each company with so response.

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 2016-05-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
My bank account was compromised due to fraud. XXXX XXXX XXXX made me close the account and start a new account. i contact my credit card company Wells fargo Home Furnishings and informed them about it. In the past one month itself they kept running my EFT payments with the old account almost 4 times a month and then charging me a fee for it. I want all the fee waived and stop them from doing this.

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 monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to contest the presence of incorrect and faulty accounts on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. The accounts I am disputing are : XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5800.00} XXXXXXXX XXXX XXXX Balance Owed : {$9900.00} XXXX  XXXX XXXX Balance Owed : {$820.00}. The information in these accounts is incorrect and does not accurately represent my credit history. I request that you investigate this matter and correct any inaccuracies found. The FCRA 's section 611 mandates credit bureaus to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During this Hardship of the Coronavirus i contacted my mortgage company to ask for a Deferment and they said whatever month i don't pay it would double the amount the next month weather i am out of working or not. I explained how was able to do that if i was not working and when i was working i was only capable of paying for just one month. Basically they said it doesn't matter accept it or don't that is all we are offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I sent a check in the amount needed to payoff a loan along with a letter. In the letter I identified the loan number, account number and amount of the payoff. Navient allocated the amount of the check toward a completely different loan, in a different group, different type of loans ( private vs dept of educ loan ) In addition to those instructions in the letter, I also gave instruction about how to allocate any additional payments. Pay loan with largest amount then loans with highest interest rate. 1. Navient did not follow the instructions for the check & loan as specified in letter. 2. Navient did not follow instructions for extra payments. I do n't know how they decided to allocate this payment toward the private loan. 
I called Navient and spent about XXXX minutes to get a cust service rep to agree to fix this. At first she suggested my husband needed to call since i only had authorization to talk about it not make changes. I pointed out that he had already sent a written letter telling them how to allocate the money. Why should he have to call to tell them to follow the written instructions? She handled this professionally and apologized for the errors. I appreciated her skills. 
Another problem : on occasion when i am logged into my account, the website will change to my husbands account. security issue. ( i know this sounds impossible, but i showed my husband. it happened while he watched. 
And finally, the offer to lower a customer 's interest rate for signing up for the auto debit seems like a scam to me. Why? Navient lowers my payment as my principle decreases. For example, rather than a fixed payment of XXXX with the amount going to prinicple increasing as loan is paid off, they will reduce the monthly amount. This causes the loan to drag on for way longer, Navient collecting more in interest. I will be taking my loans out of auto debit program. They minuscule amount of interest reduction they offer for being in the auto debit program is worth less and in fact the customer ends up paying more. Very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX or XXXX XXXX XXXX XXXX is reporting derogatory information to XXXX Equifax and XXXX  The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet XXXX, XXXX Equifax and XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires XXXX to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, XXXX, XXXX  Equifax and XXXX  have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to XXXX remain on my credit file, despite XXXX, XXXX  Equifax and XXXX  being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, XXXX has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process of short selling our home and have filed a complaint regarding Roundpoint Mortgage 's lack of assistance during the process. This complaint is regarding the excessive amount of time it is taking Roundpoint Mortgage to update the short sale approval date extension. We sent an addendum to them on XXXX XXXX, XXXX, as you can see in the attachments and still have not received a response back from them as of today 's date, XXXX XXXX, XXXX. We have made several other attempts to contact them via phone calls/voice mails and through email, as you can see from the attachments and yet the closing date still has not be approved nor have they responded to us with any status change. During XXXX phone conversation, my husband was told by a Roundpoint representative that they were unable to open the PDF document we sent them with the addendum reflecting the closing date. No one at Roundpoint responded to our request for confirmation of receipt of the addendum so my husband spent an hour on the phone trying to get a representative to confirm the receipt only to be told they were unable verify the file could be opened for a minimum of 48 hours. After pleading with the service rep, XXXX, she did provide her personal e-mail and confirmed the file could be successfully opened. The short sale has been approved once, but at this pace, the extension that we requested is going to need to extended due Roundpoint 's lack of urgency and lack of action we are enduring. 
Please help! This is a simple approval extension.

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 2021-01-14
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nelnet which is a fasa. Form government has for years been trying to get me to pay off a school loan that has been closed down for years called XXXX XXXX It is unfair that N e l n e t expects me to pay for a college that already deemed a fake college by the government

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV IS REPORTING A COLLECTION TO MY CREDIT REPORT FOR THE PAID OFF CREDIT CARD.. MY NUMEROUS ATTEMPTS TO REACH THEM TO REQUEST THE VALIDATION OF THIS ACCOUNT OR DELETION WENT IGNORED AND THIS IS STILL DAMAGING MY CREDIT. PLEASE HELP AND REMOVE THIS FROM MY CREDIT REPORT IMMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Despite me having clear communication with them on my financial situation I am being called at least twice a day daily by navient student loans. I 've advised them that I feel harassed and that my financial situation will not change within 24 hours and they tell me until I pay them their money they will keep calling me as much as they want

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In 2014 I lost my 8 year job as a XXXX XXXX XXXX due to no longer being able to do the job because of XXXX. I also have a XXXX that also limits the types of jobs that I can do. In subsequently was found eligible for XXXX and XXXX is now my sole source of income. Since going on XXXX I can no longer make payments on my student loans and other debts and have had to file bankruptcy. I requested that both lenders ( Navient, and XXXX XXXX ) for my XXXX student loans consider discharging the debt because of the XXXX. Neither will do so, and both essentially state that there is no arrangements that they are willing to make. All XXXX loans were made for education at XXXX XXXX XXXX XXXX. As I understand it all XXXX loans are technically dischargeable in a Chapter XXXX bankruptcy because XXXX XXXX School of XXXX is not a Title IV institution, which means that the loans were not made for a " Qualified Education Expense ''. But apparently, according to my current bankruptcy attorney, they ca n't be discharged without an " Adversary Proceeding '' against both lenders which would essentially cost thousands of dollars, to discharge about {$110000.00} in debt. This is something that I do not have the money to do. As it is I am having to make payments to the Bankruptcy attorney just to do the chapter XXXX filing. Finally, in addition to the financial issues I have informed both lenders of the impending bankruptcy filing, and directed that they not call me regarding the debts and provided them with my attorney 's contact information. Despite this XXXX via their collection agency ( Concentrix ( not sure that is correct spelling of the company name ) ) keeps calling daily. I have repeatedly informed them of the bankruptcy and that they were instructed not to call and have even threatened complaints, yet they continually call. So I am writing the CFPB for assistance in XXXX areas. First, and foremost, I am requesting assistance in reaching a resolution with Navient and XXXX regarding my student loan debts. Second, I am requesting assistance in getting XXXX to stop calling. Thank you for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Approximately XXXX weeks ago, I was traveling out of town on the weekend. I tried to use my Bank of America XXXX credit card. The charges were declined. I have had this card at least XXXX years. I tried my Bank of America XXXX XXXX Card and it was also declined. The merchant called the Bank of America and I personally talked to someone and was told that I had closed my accounts. However, when I insisted that I had not closed these accounts, I was told that there is " something '' wrong with my citizenship and country of origin. During the next XXXX days, I spoke to XXXX different people at Bank of America, was put on hold for prolonged periods of time and transferred to multiple people and no one would give me straight and truthful answerbabout why my accounts were closed. Finally, the matter was resolved and my accounts were reopened but only after I insisted on talking to a supervisor. I was told that the federal government requires proof of citizenship in order to continue my credit card services. I have had these credit cards since 2005. I have never had to provide proof of citizenship. 
Clearly, Bank of America is racially profiling me because of my last name and country of origin. My wife and XXXX, who are also on this account, with different last names, were never asked to provide proof of citizenship. I have other credit cards from other banks, which I have had for XXXX years, and I have never been asked for proof of citizenship. In addition, none of my colleagues or friends or spouse have ever been asked for proof of citizenship to open or MAINTAIN a credit card account. 
Clearly, Bank of America is XXXX profiling me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation