BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2020-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Applied for Bank of America credit card XX/XX/XXXX. Received card activated XX/XX/XXXX. The promotion was spend {$1000.00} within 90 calendar days. 
Statement totals as follows : XXXX ... {$300.00} XXXX {$180.00} XXXX {$540.00} TOTALS {$1000.00} I CALLED THEM TO FIND OUT WHY THEY HAVE'NT GIVEN ME THE {$200.00} BONUS YET. THEY WERE GOING TO RESEARCH. 
RECEIVED A LETTER YESTERDAY DATED XX/XX/XXXX THEY SAID I HAD NOT SPENT {$1000.00} WITHIN THE 90 DAYS.

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 2021-03-15
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. I took a consolidated loan out from XXXX in XXXX. My required monthly payment has always been {$120.00}. The first loan servicer was XXXX XXXX XXXX XXXX That changed to XXXX . XXXX then changed their name to XXXX. In XXXX of XXXX Nelnet became the collector. 
2. I have always had one consolidated loan payment. The last time I received a correct statement from Nelnet of the actual amount that I paid on my loan was the XX/XX/XXXX statement. I have requested several times and have never received the XXXX or XX/XX/XXXX statements. The XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids i paid XXXX ; whereas I paid XXXX. XXXX. 
3. I called the company on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX claimed that I had two loans. And insisted I did not know what I was talking about. Nasty and surly. None of these phone calls resulted in the XXXX or XXXX statements. Ever. All of the reps stated that they did not have complete access to the files. Half of them were nasty. I have asked repeatedly for the statements to be sent by mail- USPS , XXXX XXXX XXXXXXXX  so that I have a record, as is my right, yet they continue to email me. The company has sent me 2 emails saying that they called me. My phone log shows that they are lying. No Nelnet phone call or voice message. I have written them 5 times. 
4. I want the monthly statements from XX/XX/XXXX until XX/XX/XXXX, with the correct amounts that I have paid to this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being wrongfully charged {$200.00} from this collection agency on behalf of XXXX. I have spoken to XXXX and they have no recollection of this account. It appears someone is opening accounts without my knowledge. This account is on my credit report and affecting my credit score, I am requesting it be removed as this is NOT my account. I have never opened an account with this company and do not owe them money. I am being charged {$200.00} through the collection agency ENHANCED RECOVERY COMPANYXXXX XXXX XXXX, XXXX ( XXXX ) XXXX have tried contacting this agency to no avail.. I did not receive any notices until I checked my credit and saw this charge on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am concerned with the way the payments i am making or have made are being made on the account. I only make purchases on 6 month no interest or in XXXX of XXXX i started a 24 month special finance purchase that is {$130.00} per month. 
From the beginning of the start of the special finance purchase, that seems to quote the amount that it would have cost had me and the seller not made an agreement on a lesser amount. 
The amount they were asking for as minimal monthly payments were made plus and suddenly what i saw was the payments made were not being placed on the items on the account under the special finance purchases. 
The payments were being placed on one item that is set to expire in XXXX and leaving the items that i was making payments minimal or more to be placed somewhere else and leaving the items that i had six months to payoff to remain with no payment amount being applied to them to come to the point of about to expire. 
An item on the account that was to expire XX/XX/XXXX had a balance of {$57.00} i made the payment of {$58.00} in XXXX before the expiring date. They took the payment and placed put on the expiring item and put the other some where else and when i inquired about the total account balance not matching the total of all the items added up, i noticed that the the amount left unpaid on the expiring item was placed on the total balance and no explanation given has satisfied me and from the way it seems they are not really interested if i am satisfied. 
I have kept up to my end of the agreement to pay off the loans before they expire or make the payment on the one that interest has already been given in the total of payments over the 24 month period. 
The same thing happened in XXXX or XXXX of last year that i called numerous times before anything was done, even had to speak to a supervisor before they did some adjustments but i am not sure if the adjustments was benefiting me since when i asked them to send a layout of how they came up with the figures to make the adjustments, not was given to show 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 explanation
Consumer complaint received 2016-07-21
Company: RoundPoint Mortgage Servicing LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I signed a mortgage loan agreement to pay {$2200.00} a month ( signed XXXX 2015 ) with XXXX XXXX. This included payment for Home owners Ins. ( XXXX. ) and XXXX Ins. ( XXXX ). I have paid all of my monthly payments early and over and above what is required. Then Roundpoint Mortgage took over the loan at some point. I have paid Roundpoint early and above the {$2200.00}. Recently I became aware ( through my online account ) without written notice or written explanation from Roundpoint that my new monthly bill would be {$2400.00} a month, and increase of {$120.00}. I spoke to XXXX XXXX, supervisor at Roundpoint, who stated that because Roundpoint did not take into consideration the XXXX Ins. ( XXXX ) cost into account for Escrow that there was a shortage and I would have to pay that shortage. I can understand an increase in insurance costs per month maybe being {$60.00} or so, but to increase monthly payment to {$120.00} to no fault of the customer is not right. I want to pay what I signed up to pay {$2200.00} a month or close to it at least. {$120.00} increase is alot for a family of XXXX and not fair with out notice.

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 2016-06-28
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My current mortgage is with Roundpoint Mortgage. Recently I lost my job and contacted them to find out what options I had, or what they could assist with to prevent me from defaulting on my loan. I was told to fill out " Hardship '' application and provide all documentation and then it would be a 30 day review. It has been over two months, and RoundPoint Mortgage ca n't seem to keep track of my paperwork. Every three weeks something is missing ( even though it was previously submitted ) or now.. some paperwork is starting to expire because they have sat on it so long. It takes then over a week just to process your paperwork from an email attachment into their system. They refuse to let you speak with managers and supervisors. I have called day after day after day, we did have a manager call us back once at XXXX when we called him back at XXXX he was gone for the day. Really helpful. RoundPoint mortgage has terrible customer service and is negligent in their customer service.

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 2021-03-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage through my original lender ( Lakeview Loan Servicing , LLC - XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) on XX/XX/XXXX and it was completed in XX/XX/XXXX. I provided my insurance policy ( ies ) information and they were included in my closing package. First, my homeowner policy was canceled due to non-payment, though I had plenty of escrow available. I contacted XXXX  ( mortgage servicer ) and it was resolved and policy was reinstated. Then I was notified XX/XX/XXXX, that my wind insurance was canceled ( XX/XX/XXXX ) due to non-payment. I contacted XXXX again, and they were showing a valid escrow amount, but the title company XXXX or XXXX marked the policy as paid. I learned this after speaking with XXXX XXXX on XX/XX/XXXX. Mr. XXXX advised me to contact XXXX, which I have done twice via VM as they do not actually speak with you, and via email, with no response. I do not believe I should have to resolve this due to the lender 's error. I have tried numerous times since XX/XX/XXXX to contact the lender, but their IVR sends you into a perpetual loop that never connects you with a live agent. This lender has made errors on every refinance I have performed, to include when they violated a previous refi contract where the refi fees were to be rolled into the new principal, but they instead used my escrow to pay the fees and my policies were canceled. This was only resolved after mailing a letter to the CFO. I have 30 days from the date of policy cancellation ( XX/XX/XXXX ) to have it reinstated. Please expedite if possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
During hardship of XXXX Requested decrease in mortgage payments. When closing XX/XX/XXXX, expecting a payout of XXXX, instead received XXXX. Please review attachments. Requesting calculations of amount of second mortgage totaling XXXX. Modification trail was 3 months and continued until closing.

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 2015-09-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a checking account with t d bank, put the money at the atm XXXX took the money posted on my pending checking account and then in my checking account. gave me the white slip and did not give me the money back. there was an error message but the atm still kept my money. I put the money in the t d bank in XXXX, nj and went there in person today and told them and called the XXXX number too. I still do not see my money back. I feel as though the bank stole my money. there should be no issue as to the money because it was put in my account posted and used for my rent. they took it without a word to me. I need it back into my account as I have bills to pay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting constant and repeated missed calls to my phone. in XX/XX/2021 I recieved 24 calls from this company around the XXXX o'clock XXXX  hour. On XX/XX/2021 I recieved 9 calls around the XXXX hour. on XX/XX/2021 I received 26 calls around the XXXX XXXX hour, and 3 more around the XXXX hour. these calls came in and immediately dissconnected then recalled resulting in a stack of missed calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime closed my account after the 3rd stimulous posted .i just want the account reopened to change where my funds go or i will loose my house. Idk the acct number but its associated with my phone XXXX please help me this is wrong of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
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:
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 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 a 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 Any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: U.S. BANCORP
State: LA
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:
Someone fraudulently requested a credit limit increase on my US Bank credit card on XX/XX/2022 and I got a hard inquiry. I did not authorize it.

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 2015-12-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
citi bank customer 25 years for months they will not all of a sudden refund interest sunday i called and after 5 calls still got nowhere even after a rep hung up on me then offered me soemthing instead of a credit then we got disconnected i called back and was told that citi was told to close my account something i never asked for after 6 calls i still have no credit now i know its valid i know i have been refunded before i also know with all my accounts in the past 2 years several times payments have not been posted correctly this is my account ending XXXX i am unable to use the card much now due to this. 
i am so disappointed that after my loyalty there is no refund of interest as a result i am unable to use my citi cards as i was. banks give more back in charge offs to bad customers. bad cusotmer service bad english costs me time more than XXXX dollars. i am disappointed. its greed and its not customer service. i want the account but will use my cards with other banks who would not insist on keeping XXXX dollars from me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: TN
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:
Filed a complaint with cfpb on XX/XX/2021. ( complaint # XXXX ) Company responded : there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

Authorization to delete the bankruptcy from Experian was requested on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: WA
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:
I have recently contacted equifax regarding a charge off account name ( XXXX XXXX XXXX XXXX ) to remove this account as it is over XXXX  years old they have refused attachment are reports of XXXX XXXX XXXX that have already removed due to being over XXXX  years they have violated my rights by reporting false inaccurate information that has damaged my credit report and still is attached are images of XXXX XXXX XXXX removal dates please fix by removing said account XXXX XXXX XXXX XXXX from my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
COMPANY XXXX XXXX HAS A DEBT COLLECTOR ' SUMMITED the WRONG INFORMATION NOT MY DEBT AND REQUEST, PROOF OF WRITTEN CONTRACT.

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 2016-09-20
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was part of the government Foreclosure Prevent effort program. That had helped me to protect my home from foreclose. The agreement was to maintain and work towards saving home as my home receive mortgage assistant. As of XX/XX/2016 the program was expiring, they sent a letter for me to take action as the day approach. I was giving XXXX options to prepare. I did all that was listed in the letter, however my mortgage company have been to given me a hard time and denied my twice, I appealed and have been continue to follow the compliance in which I was told to do so. The Mortgage Company failed to make any real helping progress and help me as a mortgagor. They receive all payments from the program on time and on several occasions they fail to keep my account up to date and let me know when changes was being made, when it came down thing I had approve like taxes insurance. I called on occasion. I took local action to assist with my mortgage and making it affordable for me. Because the interest was adjusted it from the mortgage prevent program, it impossible to refinance for repairs, or make it impossible to even if I wanted to sale property due to overwhelm principle being too much the home have no value. I express my concern to the mortgage company and I was still hit with intend to foreclose. It 's as I am being bully from a company that have no intent to save a dream only to profit. It is as if they knew the downfall. When I request for more detail regarding decline decision I was told they ca n't discuss the decision the investor makes. In mu process I had, request for a principle reduction, due to homes in neighborhood being miscalculated of value that create a disadvantage for my home the marketing for true value. The mortgage company knows that my neighborhood was doom for deprecation from wrongfully value from day of my purchase. I ask for guidance and help. 
Thank you

Company response to consumer: Closed with explanation