BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: AES/PHEAA
State: IN
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:
For the past several months ( and for a year prior ) I have been attempting to have four loans ( loans 1,2,3 and 4 ) placed into forbearance due exclusively to a borrowers defense application against XXXX colleges. However, it seems difficult to place these four loans into the correct status. I have a total of fourteen loans with fedloan servicing and they have continually placed all loans, a few loans and the incorrect loans into the forbearance status. I had called them weekly to push to get this resolved. I have explained explicitly that I wanted loans 1-4 placed in forbearance and loans 5-14 placed into repayment. However, this was beyond their comprehension until XX/XX/2019 when I had to repeatedly be transferred to managers to handle a simple issue. I then find out that a loan was not ever included into the repayment and was left in forbearance. Not only has this been a huge waste of time and resources I have a charge of {$1800.00} in interest capitalization because they failed to place the proper and correct loans into the forbearance and repayment status. Even when speaking to first level employees and supervisors they repeatedly stated the only way to have this done is to keep ALL loans in a forbearance status even after I stated that I wanted to repay my loans and not accrue further interest charges. I feel like this is fraudulent and not in the best interest of the consumers/loan borrowers. Fedloan is not being held accountable for their actions and their divulgence of information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX husband who left our family to be with another woman, agreed to pay the mortgage, he in turn did not. All of while us feeling secured, I am blindsided with an XXXX notice. Moving forward, while trying to take care of my mother who suffers from XXXX  as well as my daughter who now suffers from XXXX XXXX, due to this disruption, while attending XXXX XXXX, I am trying to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BAS Receivable Management Inc.
State: CO
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 was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX  and XXXX. Please help me resolve this issue as it should not have been on my report to begin with.

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These accounts below are reporting to my credit report and they do not belong to me.

XXXX # XXXX   AMOUNT {$2000.00} XXXX XXXX # XXXX AMOUNT {$460.00} XXXX XXXX # XXXX amount b {$430.00} XXXX  # XXXX AMOUNT {$350.00} XXXX XXXX XXXX # XXXX  amount {$76.00}

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 2022-02-02
Company: Experian Information Solutions Inc.
State: FL
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:
These accounts and inquiries are inaccurate. Please help me remove them. Thanks!

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 2019-04-18
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have no idea when this debt is from. The account was opened in XXXX of 2017. I have had XXXX XXXX in the past, but am in belief I have paid off all my past due accounts to them and returned equipment. If this debt is correct, this there is no chance to pay back as I am on Social Security XXXX and have no other income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
According on my record on XX/XX/XXXX. I had agreed to a offer {$500.00} dollar credit line with the company Name XXXX and XXXX is associated with XXXX. The company XXXX continue Offering me more credit line Increase because I was good Customer with them and I was making payment on time with them at all cost. According on my record at that time was legal married and was able to make good amount of payment. {$120.00} a months during that time On XX/XX/XXXX I had filed for a divorce  that was being processed and that lead for me to not pay the account. I had spoken to XXXX multiple time over the phone about my Account and reason why could n't make any more pay on this account. 

I had explain to XXXX that I was on SSI XXXX since a child and that only source is SSI XXXX. XXXX made Agreement with me over the phone to pay XXXX dollar a months but I was paying more interest rate them lowing my balance down that is {$2900.00} that I would never finish paying up this account under SSI XXXX. XXXX also to me that account XXXX  account because I could n't make any payment on it and left it that way. 

By Federal law and against my right the company XXXX never informed me that they was going to transfer this debt to a collection agency. The New Name of Collector our Forster , Garbus & Garbus Attorney 's Law XXXX XXXX XXXX XXXX, NY XXXX XXXX. 

I had informed the company stop harassing me in regard this debt over the phone or by mail because I have an XXXX child to attend to and do n't have time for there harassing me by taking me to court if I do n't pay the amount own filed a judgement against me for the balance I own to XXXX. The mostly company was doing hanging up the phone with me because I refuse to give them my last two digit of my security number and also summit yesterday a fax number they had provide to me and number # XXXX I can not afford to pay this debt own please help me for them to stop harassing me because it cause stressful and pain in my life or I will filed law sue against new collection agency Forster , Garbus & Garbus attorney law if they do n't leave alone and continue harassing me or threaten me by mail. This as being my second complaint with XXXX or XXXX. the old complaint is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover Bank, Was notified several months ago that I was a victim of identity theft. Discover allowed a Fraudulent Application to be processed in 2015 from a thief online to open a Credit card. After they allowed this thief to open the account, they allowed the thief to continue using the card and to make payments to the account as well. I notified DiscoveXXXX immediately as soon as I saw this on my credit report that the account was fraudulent, I did not apply for this product and that I have notified the credit bureaus. Thus why I have Extended Fraud alerts on my credit bureau reports, For 7 years. I have security freezes as well now. When I advised Discover that the application was fraudulent. Discover closed the account, and re opened a new card. Where they sent the new card I have no idea because I never obtained it, Again I called discover to let me know that I did not receive a card and that the APPLICATION was fraudulent the whole account is fraud not transactional fraud.Instead of Investigating my report again and Identity Theft Affidavit which I sent them from Law Enforcement and From the FTC, Discover decided to advise me that I would be at fault for an account again I never obtained and that they sent it to a fraudulent address. Everytime this has been reported to discover they continue to close the account and reopen it with new numbers to re add it back to the credit bureaus. Instead of following FCRA Laws 603 ( b ) as I am consumer and a victim of identity theft. A thief obtained and applied for this product that I did not authorize. I recently called discover again to ask about this after my last complaint and I am told now that they have verified with " Law Enforcement '' That I am liable for the fraudulent account. When I asked what Law Enforcement Agency they spoke with and the Officers Name / Badge Number they would not provide this information to me, because again their Customer Protection Department is a sham and they do not investigate real actual Identity theft. So again they are lying. They Recently opened the account AGAIN with another number and put it on my XXXX report. I will continue to have this account blocked, no matter how many times you change the account number because the account is FRAUDULENT. NOT AUTHORIZED. Opened from a Thief that you sent a card to a fraudulent address that didn't even verify to me. Again Discover is very shady in how they handle Identity theft, and they refuse to remove my liability from a fraudulent account I have never obtained, nor even knew who opened it. WITH STOLEN ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called my bank on XX/XX/2022 same day the scam too place advised them that I was unknowingly scammed. XXXX phone number was spoofed. Call came in showing XXXX. I was told my lights would be cut of in 45 minutes because my previous payment was rejected. I was told to send the money through XXXX so it could be credited right away. First amount was XXXX. They advised me that the payment did not go through because the late fee was not added. I was told to send XXXX and the XXXX would go back to my account. I did as I was told because I was frantic distracted and was planning to call XXXX to go over my bill. So the call came in at a perfect time caught me off guard. The bank has refused to help they did not refund any of the money that was lost. The transaction was initiated by the scammer under false pretenses. We should have protection from our bank in cases like this we have no protection. At least credit the first instance as a courtesy. But to give nothing back just like that my rent money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against the Escrow Department with BB & T Mortgage. I have tried numerous times to resolve this issue. I have Paid my mortgage payment on for over 15 year, even through a bankruptcy. My home value in XXXX XXXX Georgia is XXXX or more according to XXXX XXXX assessors office. I pay taxes on a home valued at XXXX. But BB & T bank is valuing my home at XXXX for the last 9 years with no increase in value. I pay my taxes and insurance payments out of my own pocket not from Escrow. this past year. .How would any person feel paying property taxes on a property that the bank is saying is worth half of what I 'm paying taxes on ... .Enough is Enough BE Fair

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 2018-01-10
Company: STERLING BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It XXXX Concern, On numerous occasions beginning in XXXX of XXXX, we have applied for and been denied a home loan modification. On numerous occasions they asked for documents that were previously submitted, only to deny us for reasons that do not make sense financially. Most recently, we submitted a short sale package to our lender XXXX now XXXX Mortgage. They have repeatedly asked for documents that were previously submitted. They have done this in an attempt to reject the short sale package and move to foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX XXXX XXXX to get my free annual credit reports. No problems with XXXX and XXXX, but I was unsuccessful with Equifax. 

Equifax asked a series of questions that were totally irrelevant to my credit history. All of the questions asked about transactions I never made and all of the answer options listed companies I have never done business with. When I correctly answered " none of the above '' to all of these questions, I was denied my credit report. Thinking it was a glitch, I started over. The same thing happened the second time. I am concerned that they may have corrupted data in my file, especially considering their recent data breach. I would like this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
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:
Hello In XXXX I changed mobile phone carriers from XXXX XXXX XXXX to XXXX after being with XXXX XXXX XXXX for 18 years. The offer at the time was to send the phones back to XXXX XXXX XXXX and they would credit your account after you paid your final bill. I sent back two phones via XXXX in the boxes XXXX XXXX XXXX provided and tracked them along with paying the final bill. They were signed for by the receiving department and the matter was closed, at least I thought. 
Three months later I received a bill from XXXX XXXX XXXX for {$1500.00}, In my surprised state I called XXXX XXXX XXXX, they said they never received the phones, I advised they were signed for by the receiving department and they said those people no longer worked there..what????? they all left??? yeah ok ... I was turned over to a collection company and tried to explain it to them the person at the agency said she had heard the same story form alot of the people she was trying to collect from. It was eventually put on my credit report. I was contacted by a class action law firm that asked me to sign on to the suit against XXXX XXXX XXXX for doing the exact same " never received the phones along with gouging sales tax '' so I did. I then called transunion and disputed the case, they were great to work with along with XXXX I won the disputes and the charges were removed but now starts the fun stuff, XXXX XXXX XXXX changes collection companies every 3-4 months and it gets put back on my credit report then I have to dispute it and I win again it gets removed only to get put back on again 3 months later when XXXX XXXX XXXX gets a new collection company. SO there in lies my problem. I called the credit reporting companies and they do not have any way of flagging XXXX XXXX XXXX in the system so it will not go on my report every time they change collection companies, they advised me to contact you for help ... Please help me I am at me whits end and I have no where else to turn. They are controlling my life thru my credit which I have been trying to clean up. Thank you in advance for anything you can do to help me. my number is XXXX XXXX XXXX. 


Sincerely 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 2018-01-10
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE : Discharged home equity line of credit with BBVA Compass Bank We have an account with BBVA Compass Bank that we have been trying to get some information on. Back in XXXX my ex wife and I filed Chapter XXXX Bankruptcy. The bank chose to NOT reaffirm the loan. Since XXXX we have been attempting to make payments not realizing the loan was n't reaffirmed. We have made multiple calls to BBVA Compass customer service and corporate BUT we CAN NOT get anyone to give us any information regarding the status of our account. Because of the status of that loan, we have to speak directly with someone in the banks bankruptcy department. We have called that department multiples times and CAN NOT speak with a representative. It goes to a voicemail stating someone will call us back. As of today, no one has returned our phone calls. My ex-wife is attempting to refinance our current residence but we are STUCK because we ca n't get the information we need from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: The Receivable Management Services LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2017-09-23
Company: Pinnacle Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against XXXX and XXXX for not removing bad information from my credit file. On or around XX/XX/XXXX, a cell phone account was opened at XXXX XXXX. I do not have a XXXX phone and have never had anything to do with this company. I was told by XXXX that this account was sold to a collection agency ( XXXX ) in which I found out is on my credit report with XXXX and XXXX. I filed a dispute with XXXX and XXXX and received info that this particular account belongs to me. First of all I found out thru XXXX that this account is under a different name with my ssa #. Secondly, XXXX deleted after I disputed in XX/XX/XXXX but intern added it back into my credit file in XX/XX/XXXX. I refiled the dispute with both XXXX and XXXX. How can you file a complaint one day and a day later, both credit bureau have the investigation complete and you receive their results within a few days in the mail. I honestly feel like both XXXX and XXXX should be shut down for inaccuracies. Everyone that works their has bad English and very rude. I feel if they do n't get some kind of training on how to handle disputes and keep records accurate, they should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I called Wells Fargo to request a repayment plan for XXXX, XXXX an XXXX payment. I was told I had to apply for a loan mod and the company will determine what option I will get. In XXXX of XXXX Wells Fargo decided to give me a payment {$20.00} more than what I have been paying and the company up my interest rate. I still do not understand y I could n't just get the repayment plan I asked for during the time I called and ask for assistance. Now on XXXX XXXX, XXXX I tried to make a mortgage payment online and was not able to. The weather was bad in XXXX and also the bank was closed on XXXX XXXX XXXX. I bank with Wells Fargo and should be able to make a mortgage payment online.

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 2021-03-09
Company: WELLS FARGO & COMPANY
State: IL
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:
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. WELLSFARGODEALERSVCS Inquiry : XXXX XXXXXXXX, 2020. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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