BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was initially set up for a payment plan even though I notified Navient that I was unemployed and still attending XXXX school full-time. My husband has paid the payments on the payment plan going on for two years. The plan they have me on increases amounts each time the program ends, and I have to reapply for the plan. It was conveyed that my payments were due on the XXXX, even though I was told I could make the payments by the XXXX of each month. I submitted a new application for the payment arrangement, and when I called to make sure my request been received, I was told yes. However, the problem hasn't been offered now and to call back XX/XX/2020 to see if there are any payment programs I'm eligible for. Navient has reported late pay 's to my account that was in good standing, and I have had to file a report with my credit bureau to get their mistakes removed from my credit report. I'm not trying to pay for my loans, however, I'm not working at the moment, and I can't seem to get any help with an income reduction plan where the payments aren't continually increasing on a payment plan. When I applied for the private loans, I was told that I couldn't get the loan in one lump sum. It had to be two separate loans. But that once I started paying the loans, they could be consolidated into one loan. However, SallyMae was fraudulent with this information, and my credit was sold to Navient. The school that the loans were taken out for was XXXX XXXX College in XXXX, Ohio, which has been shut down. I'm seeking a resolution to this nightmare and getting this resolved. Every time I contact Navient, I get different information from their loan operators, and I'm not trying to go into default with my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Cross country Mortgage have refused to issue a payoff letter so I can refinance my mortgage request. My loan officer was name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All I want is a payoff statement good for 15 days so I can close on my refinance. it is cost me {$3000.00} to do a rate extension due to them not issuing me the payoff. My lender XXXX XXXX has been trying to reach them for 30 days with no response. I have tried for 2 days with no return calls. something is not right. Please call me. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: GA
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:
Experian continues to report inaccurate information from XXXX XXXX XXXX and guarantythat does not belong to me on my credit report. I am a XXXX with XXXX other cousins with the same name ( that I know of ). this information is not mine. I have sent over 20 emails to Experian and they have not responded except with form letters. The other two reporting agency, XXXX and XXXX, has removed the items in question. The creditor the debt was sold to has also removed it as well. I finally sent experian a procedural information request letter per the FCRA and they have failed to respond.

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 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Tuesday, XX/XX/2019, my Direct Express card was stolen. I immediately began contacting Direct Express but to no avail. Even today, XX/XX/2019, all I get is a robot on the phone numbers to Direct Express. The robot keeps asking for information that was on my card that was stolen and I do not have it. So, I can not move forward to have the card cancelled. My benefits are loaded onto my card at the first of each month, and I am trying to prevent further theft of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent 2 letters to Experian to verify the information that is placed on my credit. I have sent letters out to those negative reporting companies and I have n't heard anything back. One dispute was received by Experian on XX/XX/2017 regarding inaccurate reporting inquiries and unverified negative accounts. I received a response by mail on XX/XX/2017. I keep receiving the response that it was verified but they fail to show me any proof that it was in fact verified by the person they had a conversation. I do n't think that time was taken to investigate the inquires I requested along with the negative reporting information. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2021-12-14
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created an account with Gemini on XX/XX/XXXX. Once I transferred funds over to purchase crypto, Gemini randomly froze my account. I reached out to report this issue and they had me send over ID information. Afterwards, they went unresponsive for days. I emailed them again to ask about the process and they sent a generic email with no information or update about my account. They lack in customer service and have not share information as to why my account is frozen or how to receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Atlantic Credit & Finance, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was contacted b y Atlantic Credit and Finance i n  2015  regarding a credit card debt I owed to  XXXX   XXXX  Company.   We resolved the debt and I paid a settlement in good faith in the amount of {$10000.00} on  X/XX/15   .   I took this money out of my 401K.   My complaint is that I was not told this would be considered income by the IRS and the State of Oregon.     As a result, this created an additional tax burden for me and I had no way to arrange for additional withholding since I did not know the amount of debt " forgiven '' would be counted as additional income.   IF I would have known the complete impact of the arrangement I agreed to, I may have preferred to make other arrangements.     I was led to believe there would be no further consequences to my finances once I paid the agreed upon amount. This omission by Atlantic and their representative constitutes bad faith and misrepresentation.     I am still dealing with the IRS and State of Oregon on this issue and it continues to cause financial hardship.     I would appreciate you investigate this action by Atlantic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX   XXXX  Inquiry  XX/XX/2017   .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to   XXXX   on the evening of  XX/XX/2017    to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what de als I may  qualify for and the applicable terms. He tried  XXXX  times to CONNECT with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an  XXXX  of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was becaus e no one fro m their end ever called or chatted with  XXXX  or myself. To date,  XX/XX/2017   , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the credit score that was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XX/XX/2017   . I expect for the inquiry to be deleted IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: CA
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 sent letters to the debt collector asking for verification and the send me credit card statements. ; another company refuses to respond. I then wrote Experian, XXXX  and XXXX. they send me a letter saying they have placed a credit freeze and alert that is not what I complained about I requested they deleted these account as fraud because the company refuses to proved accurate information. The credit bureaus continue to say the have validated these accounts when they have not.

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 2021-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Carrington Mortgage Services LLC. My complaint is that I sent them a check for {$2000.00} along with a pay stub that was marked " for principal only '' on XX/XX/2021. On the check was written for principal only. In XXXX, I got a statement that only applied {$1000.00} to the principal. And they divided that {$2000.00} in 4 monthly payments and still deducted for interest and escrow. How is that legal? 

I wrote them, talked on the phone with them twice. I sent the copy of the check that they cashed and the copy of the statement that they sent me. They said that they had that fixed and refunded my XXXX payment and used part of the principal money to pay {$400.00} to the principal only. 

The principal balance in XXXX statement was {$19000.00}. In XXXX statement the principal balance was {$18000.00}. By my count, the principal balance should have been {$17000.00} after applying {$2000.00} to the principal. 

I have copies of the letter, the check and their statements to prove what happened. When we talked on the phone, the representative told me that it had been fixed. I do not believe it was fixed properly and they just stole that money that we used to try to get our payments lowered and work on paying off the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I had a Heloc with BofA at my personal residence fo r 10 y rs for  XXXX  per month. I never missed a payment. then it was set to reset to a fully amortizing loan and the payment would be  XXXX  per month. I was told I had options o f, 1. p ay it off.  2. s ee if I could re apply for th e Home equity  loan and keep it the same. I did and I was turned down. after 10 years of making payments and never having a late. Then I was told I could apply for a modification but they would not look at it if I was current. so I stopped payments for two months and applied. I was turned down. I then made the payments current and  six mon th later paid it off in full. Now I am trying to get a new loan and I have late payments on my otherwise perfect credit report and I can not get a loan. The ve ry lest BofA c an do is remove them. This all happened in 2016. the late payments are from  X/X/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: R.M. Galicia, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I lost my wallet many years ago!   This is not my debt. I have reached out to dispute this Matter with the collection Agency, as well with the  XXXX  bureaus. I am doing what I can to fix this problem that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not looked at a statement from XXXX 's in a very long time because of auto pay. There is a {$15.00} monthly charge from " XXXX XXXX XXXX ''. This has been charged monthly since I opened the account 6 years ago. I feel XXXX for not catching it earlier. When I called XXXX 's account support they said I enrolled in the program when I opened the card and it was a separate company from XXXX's.They then transferred me to speaking to a " XXXX XXXX '' company representative who terminated the service but was only able to submit my request for a fee reversal. I did not willingly sign up for this. If it was a separate company from XXXX 's then they would be able to dispute the charges, correct? The XXXX 's rep said this could not be done. This is around {$1000.00} that I have been paying interest on. I am going to close my account and encourage others to stay away from this company that participates in scamming it's customers.

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting bureau about the unverified account XXXX XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. 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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXX XXXX  and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.

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 2021-05-17
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear Sir Ma'am Enclosed you will find the requested legible copy of my check that was paid to Synchrony Bank Conn 's account for my CONNS Furniture account which was Paid in Full. The check that you received to pay this account off had my wife name on it in the payoff amount of {$1500.00} which was sent from her XXXX XXXX XXXX XXXX account to pay off my CONNs Synchrony Home Account. All of my funds that was paid to my Synchrony Conns account was paid to a Credit Card account issued by Synchrony that never existed or was never opened and used. The card that was sent to me was never taken out of the envelope nor was it never activated. When all other monthly payments were submitted on Synchrony Bank Website to pay on my monthly Synchrony Bank Conn 's account, the funds were going to an account that never was opened or associated. All of the payments were for a CONN 's associated account that never received one made payment from Synchrony Bank. After looking at information on my Credit Report showed that there were monthly payments reported for a 12 months timeline by Synchrony Bank. Each one of the payments were at least the {$80.00} to {$100.00} paid monthly in addition to the separate payment of {$1500.00} check sent from my wife XXXX XXXX XXXX XXXX Checking account. Request that all funds be returned to me. I have also tried to reach out to one of the CEO 's with Synchrony Bank to get this matter resolve. 
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 2021-03-02
Company: Experian Information Solutions Inc.
State: UT
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:
Experian recently sent me an email stating that they could not process my dispute and I needed to provide some additional proof of my identification? I have been disputing accounts with Experian for MONTHS and just now receive correspondence of them saying they haven't even done any work? I have seriously erroneous items on my credit that must be fixed! I was under the impression work was being done despite me not being notified because I am aware that covid is causing some delay but I have disputing items since XXXX! I seriously need things removed to move forward with my home buying process.

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 2022-04-30
Company: ZIONS BANCORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need to dispute 2 transactions made with my debit card ending in XXXX from XXXX XXXX, the problem is that the bank closed my account a few weeks ago and they are unable to help my by customer service. 
The transactions are : XXXX ) XXXX  " XXXX XXXX '' made on XX/XX/XXXX {$1000.00} XXXX XXXXXXXX, expected delivery date XX/XX/XXXX, I tried to contact the merchant many times by email, nobody answered XXXX XXXX XXXX " XXXX XXXX '' made on XX/XX/XXXX {$760.00} XXXX XXXX, expected delivery date XX/XX/XXXX, I tried to contact the merchant many times by email, nobody answered. 

It looks like the merchant is not on the business any more.

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