BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: AES/PHEAA
State: VA
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 had a total of XXXX student loans with XXXX XXXX XXXX that were transferred to FedLoan Servicing in XXXX XXXX. From then until XXXX XXXX, due to administrative issues and a period of unemployment, only partial payments were made and FedLoan Servicing correctly reported the delinquent status to the credit bureaus. The loans were consolidated in XXXX XXXX and the loans were retroactively placed in forbearance from XX/XX/XXXX-XX/XX/XXXX. Despite the loans having been placed in forbearance, indicating that no payment was due in that time period, FedLoan Servicing refuses to update their reporting to the credit bureaus. If no payment was due, then payments were not late and can not be reported to the credit bureaus as such. 

FCRA Section 623 ( a ) ( 2 ) requires information furnishers to report accurate information and to promptly update information that is no longer complete or accurate. Once forbearance was applied and my student loans were no longer in a late payment status, FedLoan Servicing was required per its statutory duty under FCRA Section 623 ( a ) ( 2 ) to update its no-longer accurate credit reporting. 

The FTC issued an advisory opinion ( Advisory Opinion to XXXX, dated XX/XX/XXXX ) regarding information furnishers ' responsibilities under FCRA 623 ( a ) ( 2 ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' FedLoan Servicing communication regarding retroactive forbearances states " If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. '' However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
credit card company illegally sold debit too collector but more than once so two collectors are calling and calling family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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:
NUMEROUS TIMES I HAVE REACHED OUT TO EXPERIAN AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT XXXX SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.

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 2021-03-11
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 chime closed my account because they said I wasnt in compliance with its policies excuted at enrollment I have never did anything fraudulent with my account my funds come from unemployment and STIMULAS I had a total of XXXX XXXX in my account when the closed it and chime is refusing to give me my money back I have set documentation to them and that still didnt work I have contacted the XXXX  the first time they told me to send documentation the second time they said that Im not due a refund.it has been 31 days now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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: Old information reappears or never goes away

Complaint:
Dispute including FTC fraud reports were sent to the Bureaus. Account was removed. Account was reinserted a month later without the required 5 day notification. Also, account not blocked from reporting as required by FCRA. 

Account : Fingerhut

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 2022-09-18
Company: Credit Karma, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Credit Karma told me that I was approved for a Credit Card and then was Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
no they will not let me dispute these matters on line. I tried receiving my credit reports and they would not give them to me. I seen it on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When we first purchased our home we had a great lender, then of course our mortgage was sold like any other. Ever since XX/XX/XXXX we have had nothing but issues. This new lender paid too much for our property taxes and then it took forever to fix that and now it 's on I 'm going process of them trying to raise our mortgage when nothing has changed. I have verified with the county and also the home insurance and every source I needed to, to see why they changed our payment. They originally told us it was the interest that went up which is false because we have a fixed rate for 30 years. Then once I addressed that was n't the issue they stumbled upon finding a valid reason as to why it had gone up. I have been trying to contact a manager since XX/XX/XXXX and out of the 30 times in 6 months I 've called only one called me back. Then this whole situation was sent to the tax department and once again I havent heard anything. They keep giving me the run around and it has been fishy from the start. No valid reasons, no good answers, and definitely no solutions. The reviews for this company are horrible and I just ca n't believe this is happening. Loancare is the name of this horrid place and I am So exhausted from these people. There is no physical office I can visit to address this in person. I have all documents holding up the facts and they act as if I do not. There is plenty more detail but it is confidential.

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 2020-03-09
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my credit report I noticed an from Debt Recovery Solution {$1500.00}. 
I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for Debt Recovery Solution LLC diligent examination of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called the finance company after my vehicle was repossessed. They did not care that the tow company damaged my car. I explained that the agent hit the fence with the vehicle and that there was damage to the vehicle on the passenger side and they drug a hugs log under my car. The manager XXXX as he called himself talked over me, cut me off when I was talking. Granted I was upset because the issue was that the company they hired damaged my vehicle and the finance company did not care. But when I picked up my vehicle it was covered in dirt ( my car was clean before they took it ) so I could not see the scuff marks, scratches and chipped paint until I took it to get washed this is on the driver side door where he hit the fence. I had already filed a complaint with the tow company after they picked up the vehicle. I filed a complaint with the tow company after I had it washed to let them know of the damages and they have not responded. I let them know I will take my vehicle to the dealership to see if there is any damage underneath where the agent drug my vehicle of a log that he had to go under my car to remove. The issue was not about my vehicle being repossessed it was how it was done and damaged. I need my vehicle repaired.

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 2022-09-18
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Nationstar Mortgage LLC/XXXX Mr. Cooper LLC- We had a bankruptcy 12 years ago and according to our attorney a re-affirmation agreement was never filed by our mortgage lender. Therefore credit information was not accurately reported and Nationstar/Mr. Cooper never filed the agreement as required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I saw an ad that was very prominent on the U.S. Bank website for their new XXXX XXXX XXXX XXXX credit card, offering a bonus of XXXX points ( worth {$250.00} ) for new cardholders who spend {$1000.00} in the first 3 months. So I applied for the card in XX/XX/XXXX, in part because I wanted the bonus. I was approved for the card and received it, and then spent the required amount to earn the bonus. On XX/XX/XXXX, U.S. Bank paid me XXXX points instead of XXXX. I called them and they said I must have mistakenly applied for a different bonus offer and that it's my fault. But there was only one bonus offer for this card, and it was XXXX points, and that's what I applied for. They said they'd have to research it and they'd send me a letter in a few days. I haven't received a letter. I believe they have been deceptive in their marketing. They baited me in with the offer of XXXX points and then switched it to XXXX without my knowing and are making up some fake reason so they won't have to pay me the remaining XXXX points. I have attached a screenshot showing the offer of XXXX points, which is still prominently showing on their website. It is the same ad today as it was when I applied for the card in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, my mortgage is held by Flagstar Bank. 
My payment is due on the first of every month. I have ( without fail ) payed this on time every single month via their online payment system. 
They recently changed their site security settings, and I am unable to access their site under any circumstances. I have tried 2 separate browsers, tried multiple security levels ( even completely turned off ). They still wo n't let me access my personal account information. You also ca n't do any kind of password resets or username lookups without having your loan number valid. 
That 's not something I keep handy. I do n't keep paper statements. They are all right there nice and " handy '' on their website. Except they are not now. 
I 've spent over 2 hours this evening attempting to log onto their website just to pay my darned mortgage. This is extremely unreasonable. The website suggests calling their 24-hour hotline if any issues -- but it 's not 24 hour with the customer service representatives. Just a touch button system that requires -- you got it -- your mortgage loan number ; which if you remember correctly I stated I do n't keep a copy of. 
This kind of service for someone just trying to pay their bill is ridiculous, and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

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

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 2022-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX XXXX XXXX Interest Balance Transfer Direct Deposit offer initiated on XX/XX/XXXX XX/XX/XXXX {$3.00} Interest charge XX/XX/XXXX {$7.00} Interest charge XX/XX/XXXX {$2.00} Interest charge Payments made in full before statement closing date. Bank of America applied payments, which I made for purchases, towards Balance Transfer Balance offer and proceeded to charge me interest on purchases. Agent stated that since I made the payments before my statement close date they were not applied to the purchase made in that statement period. Since they decided to apply these payments to a balance that isn't due for XXXX XXXX they charged me interest on all purchases made during the statement period. This has been on-going for 3 months now.

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 2015-04-09
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had sent payment to XXXX Mortgage in XXXX as I normally do and my payment was not applied to my loan!! LoanCare ( debt collectors for XXXX Mortgage ) have been contacted on NUMEROUS occasions and nothing is being done to rectify the situation. I have also sent a copy of the cancelled check to various dept 's within LoanCare and everyone seems to be clueless as to what is occurring. My FHA loan has been in default for the last two months and I am very frustrated with this Mortgage Company. On or around XXXX XXXX I again sent a copy of my cancelled check and I received notification from their Mortgage Company Resolution Dept stating this matter is important and will be dealt with accordingly. Nothing had been done. I finally went to XXXX XXXX XXXX Office ( XXXX in VA ) to seek help. I was welcomed by XXXX XXXX XXXX and she was appalled at the service provided by LoanCare. We were on the phone for approximately 2 hrs and nothing had gotten accomplished! Every rep we spoke with had given us misguided information which worsened my nightmare. I am receiving notification that my house is going to be foreclosed on and my mortgage payments are CURRENT. Late fees have incurred and my credit is now tarnished! U ca n't imagine the stress and aggravation I am enduring. I have been directed to file a complaint with CFPB because this matter needs attention due to the severity of the actions from LoanCare. I sent them my payment, they CASHED the check but wont apply it to my mortgage!!!!! My credit has been tarnished due to their negligence and they must be held accountable. To add insult to injury when I left my Congressman 's Office I contacted the Mortgage Resolution Dept to find out the status of my complaint. U would not believe the response that I received. I was told that they received my complaint accompanied by the canceled check but the fax was misplaced. WHAT!!!!!! I was told to send in another copy of the canceled check so the complaint can be reviewed. The " Notice of Error Acknowledgment '' that I received from them dated XXXX XXXX pertaining to my complaint had n't even been reviewed ... .today is XXXX XXXX!!! I asked the rep how could u receive documentation and it get misplaced? Furthermore when was I going to be notified that LoanCare needed another copy of my canceled check for the XXXX time?! Her response was " well we have 30 days ''. Seriously!!! As I am about to furnish them with a copy of my cancelled check the rep calls me back to say they miraculously located my fax. I wish that I would have NEVER of refinanced with XXXX Mortgage. Stay away from this Mortgage Company!!!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The original company I signed up to work with was sold off. Since then, XXXX XXXX has been uncooperative. I 've called in the past and attempted to make additional payments over the phone and the company has refused to take my payments. The company also basically informed me that there is no way for me to make additional payments electronically that would aid in me paying off the mortgage sooner. On XX/XX/XXXX, I called and asked them if I could simply MOVE one payment (XX/XX/XXXXXX/XX/XXXX ) to ( XX/XX/XXXX ) due to some critical events that have happened in my life. I have never been late in the 10+ years that I have had this mortgage. XXXX at XXXX XXXX refused to honor my request. Life happens and the mortgage company should be flexible to reasonable requests. I FEEL THAT THIS MORTGAGE COMPANY IS IN THE BUSINESS OF TAKING MY MONEY AND KEEPING ME IN DEBT BY NOT ALLOWING ME TO MAKE ADDITIONAL PAYMENTS AND BY NOT ALLOWING ME TO PROACTIVELY MAKE A PAYMENT ARRANGEMENT FOR " ONE '' PAYMENT IN 10+ YEARS!!!!!!! THEN IF I AM LATE, THEY WANT TO STOMP ON THE CONSUMER AND THROW IN YOUR FACE THAT YOU WERE LATE. I need a third party to get involved since this mortgage company is one of the companies that was responsible for the 2008 financial crisis that our country had to endure. In addition, when I called to work the situation out with them, XXXX refused to give me a case number as evidence that I officially called with my concern/request. What customer service refuses to document or provide you with a case number as evidence of your call? Apparently, XXXX XXXXe customer service does. This is not an acceptable customer service practice to me and needs to be investigated.

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 2020-03-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
To Whom It May Concern : My wife has a loan serviced by Navient. It is past due and they sent a generic email, on XX/XX/2020, offering to put the loan in to deferment/forbearance. They requested a simple reply of " yes '' to make this happen. I replied to this email requesting information about loan forgiveness options available to her as she has been a XXXX in a XXXX XXXX XXXX XXXX in the State of Texas for more than 10 years. My understanding is that some or all of her loan balance should be eligible for forgiveness. 

I received the following response on XX/XX/2020 : " Thanks for replying! Unfortunately, we're unable to discuss specific account information via email. We're able to assist you via phone, just call XXXX. '' I responded to this requesting correspondence via email or certified mail only. I want a paper trail to keep a record of correspondence as I have been lied to about payments and options available to her in the past. 

They responded to this request with : " Thanks for replying. Unfortunately, we're unable to process a forbearance until you specifically reply " yes '' to this email. '' They can't discuss payment options and programs that my wife may be eligible for via email or certified mail, but they can put her  loan into forbearance with a simple reply of " yes '' to an email? 

I attached a copy of the email correspondence. Please note that I have permission to represent my wife with Navient and any written or verbal statement by her can be provided to support this.

Company response to consumer: Closed with explanation