BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Automatic payments were set to go out every two weeks from my XXXX XXXX  ( XXXX ) account to a student loan account with the Department of Education managed by Granite State. Payments were being made until the account was below a certain amount. Auto payments were stopped from XXXX XXXX to the Department of Education on or around XX/XX/2019 due to a lack of funds and XXXX continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. XXXX advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. 

Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with XXXX and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called XXXX XXXX  to ask about this. XXXX said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through XXXX XXXX. 

On XX/XX/2019 I noticed that {$35.00} was taken from my XXXX account via ACH noting the following : USDOE GRANITE ST RETRY PYMT. This was not authorized. I contacted XXXX XXXX   and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by XXXX XXXX if a new deposit was not made. 

Main complaints : - XXXX XXXX financial practices to recoup revenue on unwarranted insufficient fund fees - XXXX XXXX not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - Department of Education or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I realized after having this card for almost a year that I was suddenly being charged a huge amount of interest, over 33 %! I have a credit score of over XXXX and have not made any late payments, so I thought it must have been error. I contacted the company and they stated that they are allowed to do that when there is balance. This didnt make sense to me at all and I expressed this but they said there was nothing they could do. So I immediately said close this account and paid off in full {$570.00} to be done with this deceptive company. Then I get another bill for the next month saying I owed another {$12.00} for interest. I contacted them again stating that my balance should be {$0.00} since it was paid in full by the due date and it should not have accrued any more interest. They continuously respond Saying this : We understand your concern with the recent finance charge. Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/2022, this finance charge is valid. Per this change : We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date. We also will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. 

I respond back saying I had a {$0.00} balance so no more interest should be accruing, but they just reply with the same thing and I get nowhere with them. I also keep seeing on the bill and Im my online account that I have my full Line of Credit available when I have repeatedly told them to close my account. I will never charge anything the Comenity Bank again! BUYER BEWARE! Do not get any store cards that use Comenity Bank. This deceptive company should be held accountable. I would have never agreed to 31.2 % interest with having excellent credit history. I would have just used a different card with a low interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: DE
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 to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 



USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan 's original principal was XXXX. My school only was disbursed {$3200.00}. Nelnet says to pay off my loan in full it was {$3200.00} principal + {$1.00} interest. I did that but my principal was actually {$3200.00} and since I paid in full within 120days I shouldn't have to pay any interest. Now they overcharged me {$35.00}, and have no intention to refund my money to my bank account i used to pay. nelnet has terrible customer service and does not respond to emails nor calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
On XX/XX/2023 Transunion repsonded to a compliant that, the following actions were taken on my credit file that XXXX XXXX Updated, XXXX XXXX Updated, XXXX XXXX XXXXXXXX Updated, and XXXX XXXX XXXXXXXX XXXX Updated . According to 15 USC 1681 I ( 5 ) everything has to be complete and accurate, also under 15 USC 1681a and 15 USC 1681 ( 3 ) ( E ) Definition : rules of construction, the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's report, general reputation persnal characteristics, or mode of living is obtained through personal information with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from the consumer. 
Futhermore I would like to know who did they talk to? 
How did they complete the investigation? 
They have also violated my rights numerous times under 15 USC 1681 According to 15 USC 1681 Section 602 A, States I have the right to privacy According to 15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15USC 1681 ( A ) ( 1 )

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 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. sec 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 2021-08-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage servicing company has been imposing fees or charges without a reasonable basis or explanation. The company began servicing the loan starting XXXX and the first payment was due XXXX. The company charged fees totaling {$2300.00} between XXXX and XXXX before the first payment was due without explanation or notice. 

Several instances after that, on XXXX and XXXX a XXXX XXXX balance fee of {$160.00} was charged and there was not an outstanding or past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I purchased an airline ticket for a flight to XXXX, XXXX. The flight was expected to be in XX/XX/XXXX. However, covid 19 happened. The airline stated that they would give a voucher before they shut down flights. The airline was shut down from that point until XX/XX/XXXX. However, when they resumed flights, they announced that they no longer fligh to the United States. They strictly are flying within XXXX. As a result, the flight voucher is of no use to me. I tried contacting XXXX XXXX XXXX  multiple times via telephone and then via email as directed by their site to request a full refund. I have not been able to reach a single person! Nor have I received an email other than a confirmation that they received my full refund request. So, to remedy the situation, I contacted my credit card company ( CapitalOne ). I called once in XX/XX/XXXX and filed a claim and hadn't heard anything. So, I called again in XX/XX/XXXX to see how things were going and was told that the representative I spoke with never even put in my request. I filed another claim in XX/XX/XXXX, and they are now telling me I am too late to dispute the claim. Which is ridiculous! I had no idea that I wouldn't be able to use/redeem the voucher until a couple of months ago because, like every other company in this time, they strung me along for an entire year. In addition, now that I am trying to get my money back, they are not responding. CapitalOne should be accommodating because this is no fault of my own. Yet, they want to keep the money and say that it is out of their hands because of some timeframe set by federal regulation. Any said timeframe should be obsolete! No one knew covid 19 would happen nor how to handle the repercussions of the event. It's been about a year ; the company should have something put into place by this time for situations such as this. But, they are telling me that I need to contact the federal government. I am virtually out of {$1800.00}. At this point, it feels like the money has been stolen from me. This is utterly unfair and basically criminal! Please assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: P.S.C., Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called them and told them I was on XXXX at the time and XXXX XXXX already new this I gave them my insurance information when I was there and this collection company said I have to contact XXXX and prove it um no XXXX XXXX already had all this information the day I was in there

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 2023-10-09
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I originally took out a loan of credit for {$3500.00}. I didnt realize there were so many fees attached to every payment. I have had to advance more money to get back money to keep paying my bills so its become a vicious cycle. I have paid probably close to {$8000.00} in payments and I still owe almost {$3500.00}. Right now my payments are around {$200.00} biweekly with only about {$15.00} going to the actual lone. I live in NJ. This practice is definitely predatory and Im poor and I cant get ahead. I cant survive on nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Kikoff Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
First.. I have excellent payment history on all my bills. All creditors except Kickoff send emails or mail when bills are due. As soon as I get them, I pay them. Kickoff did not send emails or letters to me. Last year I became a Kickoff customer to build my credit. I invested {$12.00} of my own money into Kickoff. Kickoff was paid the {$12.00} immediately. Now, the only thing I had to do was simulate Im paying them each month on time. In the beginning they sent emails for about 3 months. I believed what i read when I joined their platform that I needed not to worry about keeping up with the simulated payments because they will automatically do it for me because they already have their money. I never borrowed any money from them. Since I did not receive any more notices from them, I literally forgot about my account with them. They were not reporting on my credit report until they sent to my credit report I was late for months of non-payment on a loan. This was a surprise to me because, I never borrowed anything from them. So my credit score dropped 40 points. I reached out to Kickoff and requested for copies of emails to be forwarded to me. What they sent was a made up chart that of course did not validate that they sent me an email or letter via mail. I mentioned to them that if I called anyone of my creditors, they can forward me the emails and letters they sent. I received no more response after that. I disputed it with XXXX telling them, I never received a loan from Kickoff to which this would not make them a creditor. I owe them nothing. They refuse to validate proof and remove the derogatory information on my credit report that wasnt true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It's about a previous complaint against TD bankXXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX Account XXXX In XXXX ), which TD bank claimed in their response that they have fixed the issue already. 
As you can see from the most recent statement attached ( XXXX statement ) and the most recent minimum payment ( XXXX ) that they have not! 

1.Still, I am being charged for the returned item ( XXXX XXXX phone ) for the amount of {$1100.00}. ( Credit plan # XXXX in the XXXX Statement ) 2. They did not apply the monthly minimum payment due for the remaining balance of {$97.00} to {$2.00} as per their response ( credit plan # XXXX ). 
You can till from the attached screenshot of the XXXX minimum payment. 

3. Td bank is charging me for late payment fees of {$29.00} for these previous issues ; hence, I just paid for the right balances ( {$100.00} ) not the whole wrong minimum.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Id like to address an issue Im having with Bank of America denying my claim violating my rights on my funds and not following proper protocol and have not done a proper investigation to support there decision on my claim Im requesting that they follow proper regulations. And that I may be returned what was insured by these transactions that were unauthorized and if they need more time as mentioned that they credit me while they investigate this case. I believe that there denying my claim in order for them to cancel off a hardship on a denied claim and to credit me after the 10 days so that the claim is open after the 10 days so that Im not credited and no hardship for it since it cant file for any hardship and cancels out the credit before 10 days 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 2023-05-22
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am writing about the TPSLF program going on right now. I first applied in XX/XX/2022 and had all the correct loans, repayment plans, etc. I received a letter XX/XX/2022 that my employment was approved and I was eligible for PSLF. The letter also said Id be moving from my current loan servicer to Mohela in the coming months. I did not hear anything for months. I reapplied directly with mohela in XX/XX/2022. Right now it says my application was been processed and to wait 90 days. Its been well over 90 days. My student loan still sits at XXXX, my previous servicer. Mohela does not help me or explain why my application is frozen as others who applied literal months after me gain forgiveness within a few weeks. They do not explain who I can contact to be sure my loans move over to their business for forgiveness. I cant even get a payment count, which is a major part of PSLF, to show up anywhere so that I know how close I am to forgiveness and make decisions related to my employment. My repeated calls and requests for help with MY specific application/loans are met with either we dont know or giving me generic robotic answers that dont apply to my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had contacted my Lender multiple times recently about the recent appraisal. I had faxed over the enclosed PDF about the latest appraisal report. I had spoken to someone at my lender 's PMI department but they would not accept another party ordering and want me to pay my own higher costs to them to submit to XXXX XXXX. I then contacted XXXX XXXX right away yesterday and have a case pending, number is 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 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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 customer service

Complaint:
I requested a balance transfer on XX/XX/2023. Rather than transferring the balance directly, the credit card company issued a check. The check never arrived. I was told several different stories about where it was and there wasn't any consistency in the explanations however the balance of {$7000.00} was added to my account the day I requested the transfer. 

Now, as of XX/XX/2023 and many calls to attempt to resolve the issue, I have closed the account but the agency doesn't appear to be willing to settle the dispute. Meanwhile, I have been carrying the debt, interest, and transfer fee on my credit report which has lowered my score. 

The customer service department keeps stone walling the process by continuing to tell me the check is in the mail, or the credit will take another XXXX days, and that they can't manually issue the credit. I am considering the possibility that they have not intention of resolving the issues, meaning I will continue to have a closed out account with a {$7000.00} balance. 

The supervisor that I spoke with today is XXXX and her employee number is : XXXX Transfer request information below : RE : Account ending in XXXX XXXX XXXX XXXX, Your balance transfer request of {$7000.00} has been received and is currently being processed. 

Please continue making minimum payments on balances transferred to keep the account current until your transfer appears on your other creditors statement ( s ). Remember that if you wish to close these accounts, youll need to contact the other companies directly.

If you didnt request a balance transfer, please call the number on the back of your cardwere available 24/7. 

Thanks for choosing Capital One.

Company response to consumer: Closed with explanation