BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The amount of the loan quite large and the interests alone is too large for us to even make a dent on the actual lone itself. I dont know if the actual amount of the loan is even true to what i should be paying. I think that the school is charging more than i was told when signed up with the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. PLEASE SEE ATTACHEMENTS

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-16
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, Shellpoint Mortgage Servicing ( newrez ) was responsible for servicing my mortgage and associated escrow account. As part of my escrow, they were responsible for paying my property taxes, but failed to pay my taxes by the due date of XX/XX/XXXX. As a result of the late payment, I was charged a {$200.00} penalty as well as {$90.00} in interest. 
I became aware of the late payment and charges when I received a statement from the county in XX/XX/XXXX. I called and spoke with the county tax office and they confirmed that both the penalty and interest were the result of non-payment by Shellpoint. I subsequently called Shellpoint on XX/XX/XXXX, specifically mentioned the penalty and interest, and was told that these would be covered by Shellpoint since it was their error. I also sent in a copy of the county tax statement through their website at the request of the representative on the same day. Shellpoint finally paid the property tax on XX/XX/XXXX. They also payed the {$200.00} penalty, but failed to pay the {$90.00} interest. I again called on XX/XX/XXXX and was asked to submit the county statement and a description of the circumstances via email, which I did on the same day. On XX/XX/XXXX, I received a response later stating that they paid the property tax and tax penalty, but make no mention of the interest, which was the sole subject of my recent call and written inquiry. 
Having performed due diligence and given the company several opportunities to remedy the situation without appropriate response, I am hoping the CFPB can help settle this manner.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
I 'd like to raise a concern over the interest being charged on my credit card, BP Visa, a private label card owned by Synchrony Bank. I 've had this card for over 20 years. I have not used the card due to a 13 % variable rate for the past couple of years. However, on a recent statement, I noted the card now has a 27.24 % variable interest rate. I called the company to ask why and for a reduction and I was told the rate is non-negotiable and set at that amount for all BP Visa cardholders. The cardholders credit and history are not factors considered. I will be cancelling the card ( I do n't have a balance ) but I 'd like suggest that this interest rate and the policy border on deceptive practices by Synchrony for those that may have had the card for some time and not noticed the increases over the past few years.

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 2016-03-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing both in general, to suggest a new consumer protection, and specifically to complain about a company called XXXX ; please forward this email to the appropriate office for possible further action against XXXX. Years ago, I agreed to a recurring charge in order to watch their video products. For over a year, I have been trying through every means possible to cancel the recurring charges on my credit card. I have repeatedly used their online forms and followed the steps listed on their website, to no avail. I tried calling the company ( finding the number was a research feat in itself ), and further got no action. I have repeatedly contacted the credit card company to cancel the charges, and I think the current options for this situation are too limited. Because the charge is so small, generally the credit card company credits my account and essentially pays the bill themselves. I need to do this each month. I was told that XXXX might even find me after getting a new credit card through the same bank, and resume charging me on the new card. It 's incredibly frustrating that my only option seems to be to repeatedly contest the charge each month, with the result that my credit card company rather than myself pays these thieves. 

I think this situation is very common, and I believe new laws and policies need to be pyut in place to help consumers and to make it impossible for this egregious behavior on the part of companies to continue. It should be possible for consumers to permanently remove recurring charges from their credit cards, without the consent of the company involved. This would shift the burden of re-establishing a financial relationship to where it belongs : back to the company that made it impossible to cancel recurring charges. I write to urge you to make this happen. Companies like XXXX should not be able to succeed in garnering money from recurring charges when they make it impossible for consumers to cancel the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
So I got a credit card about a year ago now and I was paying on it for a while and I just could n't afford to pay on it anymore and so it ended up going to collections without any type of warning or letter in the mail ... until one day I started getting calls from a local number so of course I answered it, they had told me that my credit card went into collections and I needed to pay them immediately. So I was terrified and said I would call him back and he said no it had to be taken care of today and that I just needed to put him on hold so I did and he then asks me how much money I could pay him I said maybe {$100.00} and he charged my account for {$160.00} I believe. And $ XXXX/2 weeks after that. He also said he would send me a reciept and never did. So after that I immediately was so angry I called my bank and canceled my card. After that was when the hate started. Calling me every day multiple times a day threatening me saying awful things. I kept all the voicemails. He never even said his company name nor was I ever sent anything in the mail!! I had no idea and now he said it 's going to an attorney and they will garnish my wages. That 's why I 'm coming to you guys

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 2022-04-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hi, My name is XXXX XXXX. 

I sent a request to XXXX and Experian to report inaccurate information being reported on my consumer report. The following address must be removed. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx 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 2022-04-16
Company: Innovate Managed Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After filing a complaint and getting the updated information about this account. I sent in the information to both XXXX XXXX XXXX on two separate occasions with the updated balance but this company is still validating false information. I have a right to bring civil action against anyone, including a consumer reporting agency, who improperly obtains access to a file, misuses file data, or fails to correct inaccurate file data. At this time I was like this account to be deleted from my social immediately, since it goes against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: IL
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  Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TN
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 have been paying my student loans through XXXX XXXX then Navient since XXXX. For approximately the first 12 months they applied more to my subsidized loan than the unsubsidized loan that had a higher interest rate. Navient eventually did start applying more to the unsubsidized, but only recently. Since the beginning of my repayment, the interest that I pay each month varies dramatically, in return the amount that is applied toward my principle also varies wildly. My concern now that the recent lawsuit has come against Navient, considering they have been my only servicer, that I could have been misinformed of the most efficient and quickest way for me to pay off my debt. I have been paying far more than my minimum payment since late XXXX and have seen my balance hardly decrease over that same time. How can I make sure that I have n't been mislead? How can I trust that what I am going to be told if I call Navient is honest? Can you help? 
I work for a company that was recently bought by Navient. PLEASE DO NOT GIVE ANY OF MY PERSONAL INFORMATION TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2016-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, I made a payment to a company with my Bank of America debit card. A hold was placed on my account for XXXX charges and Bank of America told me the other hold would drop. When the other hold dropped, my account balance did not go up. I have screenshots and printouts detailing everything. Bank of America owes me {$95.00}

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 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Telephone numbers listed as XXXX and XXXX have never been associated with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove any address I am not currently living at and any jobs I am not working at.

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE XXXX CAR LOANS FROM THE SAME COMPANY XXXX THAT IS CHARGED OF WITH ABALANCE OF XXXX AND XXXX THAT IS CURRENTLY THAT I 'M CURRENTLY DRIVING ACCT # XXXX. THE CAR DEALER HAS REPORTED A CAR LOAN THAT I 'M NOT DRIVING OR AGREED TO PAY FOR WEST LAKE FINANCIAL ACCT # 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 2022-04-16
Company: CITIBANK, N.A.
State: FL
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:
The account was suddenly closed for no reason and about {$5000.00} in rewards were stolen from me by citibank. The account was restored but not the rewards.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account ( XXXX ) XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Bank  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXredit Cards XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX has violated my rights .

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 an 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 2017-05-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX  has been reporting a debt on my credit report. I have yet to receive  one notice from them in regards to the debt at my address. This also means that I was  not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today    XX/XX/2017    that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Army and Air Force Exchange Service
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
after my sudden discharge for the XXXX XX/XX/XXXX Myself and Family did experience a long period of homelessness. In XX/XX/XXXXfiled my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That Army & Air Force Exchange Services ( AAFES ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From AAFES Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to AAFES XXXX  XX/XX/XXXXand XXXXXX/XX/XXXXof which only XXXX was owed. I have called and sent letters of dispute to AFFES and their XXXX XXXX XXXX which is part of AAFES several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX  accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX  unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in full XX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.

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