BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: GREAT LAKES
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX called me on my cell phone and left a voicemail saying they were " returning my call regarding student loan forgiveness. '' They called on XX/XX/XXXX and XX/XX/XXXX in the afternoon. I called the number suggested : XXXX on the XX/XX/XXXX at XXXX XXXX, since I had recently inquired about the teacher loan forgiveness program to my loan service provider. 
I called and was transferred to XXXX XXXX of the National Student Aid Care program who said he could help me register for the Public Service Loan Forgiveness Program until I could qualify for the XXXX  Loan Forgiveness Program. He knew about both programs extensively, my exact loan amount, my interest amount, how many loans I had, my current monthly payment, and that I had recently come off of income-driven repayment. 
He asked to verify my identification by sending a 6 digit code to my email address, so I went to that email ( which he knew ) and read him the code that was sent. I later realized that email was a request to reset my password on my Federal Student Aid account. He changed my password after the phone call. He asked about my address, income, family size, mom 's number and address, aunt 's number and address, and many charming, personal questions. He sounded very knowledgeable and helpful. 
He said he could get my loan down to $ XXXX/month for 4 months and then $ XXXX/month for 120 months until my loan would then be forgiven if I had served as a teacher for that time. The monthly payment would change as my family size did. Interest would also not accrue during this period. He said he needed an account and routing number from my bank to have on file until I could get him my mom 's new account info. He knew what bank I was a member of. 
It was not until I was in the midst of signing and reading an e-contract sent to me that I realized the {$790.00} of the first four payments would go to him and his company, not my loan balance. Then, when asked if I could talk to my mother before finishing signing, he said I should go ahead and sign because I could cancel the program at any time. 
I was not comfortable with this, looked up the number, and realized it had to be a scam. 
I have filed complaints with the Federal Student Aid program, report this to my loan service provider, frozen my bank accounts, changed my Federal Student Aid information, added a verbal password to my loan account, and put an initial fraud alert through XXXX. I will also contact my local police and see if any further steps need to be taken. 
Please DO NOT hesitate to contact me for further information. I have all of the supposed addresses/numbers/faxes of the company/man, and I have the emails he sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
Currently, I have a VISA credit card with XXXX based here in PA. Today, I called to check on my APR. I was shocked, saddened and angered to realize that my APR went from 12.99 % up to over XXXX percent. After speaking to a senior customer service rep, I was troubled by this unfortunate experience. In a nutshell, I called back in XX/XX/2015 to seek a lower APR. The issuer ( XXXX ) put me on a six month promotional rate due to my good credit rating and long standing history with Fulton Bank. Today, I found out that my rate shot up to 18 percent as the promotional rate changed. Here is my issue -- the issuer never provided me notice of the promotional term changing. As a result, I had no real-time info other than looking at my statement to realize something changed on the APR. This is absolutely unacceptable and totally over the edge for credit card companies to get away with. I would like a full investigation launched into this practice. Additionally, I would like to see regulations adopted that require credit card companies to provide 30-60-90 notices on these promotional rate changes. I can only imagine how many consumers are being impacted by this practice. My conversation today was alarming as the service rep basically said it 's your responsibility to read your bill -- end of story. I agree with that but why NOT require a back-end notification on the promotional rate changes.

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 2018-05-24
Company: Tebo Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I understand when a payment is late it is in default ; however, this company 's collection practices are not only extreme but harassing. They have become such a nuisance that I have had to block them from calling my cell phone ( they can still leave a voicemail ) and request they not call my place of business ( they still call and leave voicemails ).

My payment was due on FridayXX/XX/XXXX. On Monday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Tuesday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Wednesday XX/XX/XXXX they contacted my mother and friend, both whom I listed as references, to inquire on my whereabouts - how embarrassing! My payment is not even a week late and they are contacting my references??? Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice from XXXX XXXX in XXXX, New Jersey stating I could turn in my lease early and owe nothing on the old lease. I went in and made it clear I would not do it unless I would not owe anything. They assured me - both the salesman and the finance manage that it would be an even swap. My lease shows that it is. I have the form I was sent in the mail. 

About two months later I received a bill from XXXX XXXX XXXX that I owed {$2000.00}. I explained the situation and they said, " We have nothing to do with Hyundai. '' They turned it over to XXXX XXXX, XXXX in XXXX, New Jersey and they are telling me they will take me to court. This started in XX/XX/XXXX. I wrote them a complete explanation and heard nothing until this month ( XX/XX/XXXX ) when they threatened to take me to court. 
I feel this was a " bait and switch '' by XXXX XXXX and XXXX XXXX XXXX. It was XXXX XXXX XXXX who held the first lease and it was they who the finance administrator called to get my pay off while I was there!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
COMPLAINT I am the court-appointed executor of the estate of my XXXX year old Mother 's boyfriend of 35 years, who passed away XX/XX/2018. 
The amount in question : {$86000.00}. 
Investment Firm refusing to release the funds : CapitalOne Investing. 
Beginning XX/XX/XXXX, I have submitted ALL of CapitalOne Investing required paperwork and have done everything they have asked me to do, but as of XX/XX/XXXX, NOTHING has happened. 
This included death certificates, letters of testamentary, notarized court documents appointing me as executor, Affidavit of Domicile, medallion signature guarantee " Transfer Assets Between Accounts '' and the name of my first pet. 
What's in my wallet? It certainly isn't CapOne. 
*XX/XX/XXXX CapOne Investing sent a letter outlining information I needed to provide them. 
*XX/XX/XXXX Having not heard, I sent a letter to CapOne *XX/XX/XXXX, I called CapOne and was told " Somebody should have responded to you '', and that they needed additional forms which they emailed and faxed to them the same day. I was told I would hear back by XX/XX/XXXX. 
*XX/XX/XXXX Having not heard, I called. " You first need to set up an account with XXXX as all accounts are being rolled over to them. I completed that process XX/XX/XXXX and have an active account but no funds. 
XX/XX/XXXX Having not heard, I emailed the " Customer service team '' and reiterated " Per CapOne 's direction, I was instructed to open up an account and have the funds transferred into the new account with XXXX. I HAVE done that, but XXXX contacted me Friday, XX/XX/XXXX and they said I have a XXXX balance and they " have no idea when the CapOne accounts are being transferred over ''. 
XX/XX/XXXX Having not heard, I called CapOne today. On my first call, after giving my account number CapOne ( or me? ) discontinued call, so I immediately called back. I was then told that ALL documents were received XX/XX/XXXX, but they could not explain why I could not access the funds, but that they would check with their operations team and I should hear back within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ), and I am receiving my FBI report. 


Also the account with XXXX XXXX that was an authorized user account with the terminated status and {$5900.00} limit?. I have absolutely no idea whos account that is and under the FCRA 2009 ( a ) want it removed under the nature that the ownership of the account isnt even mine..

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : 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 2019-05-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Disputed unauthorized inquiries on credit report and requested the inquiries to be deleted. Credit bureau failed to investigate, delete, or respond to my request.

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 2019-05-22
Company: Experian Information Solutions Inc.
State: MO
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:
I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Dept of ED/XXXX {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX {$3900.00} 6 ) Dept of ED/XXXX {$3000.00}

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 2019-05-22
Company: Experian Information Solutions Inc.
State: WA
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 filed a dispute with Experian against a collection agency by the name of XXXX XXXX XXXX, XXXX, that purchased a discharged Chapter XXXX bankruptcy debt from an original creditor by the name of XXXX XXXX XXXX XXXX, back in XXXX, putting it on my credit report on XX/XX/XXXX, which I'm aware is illegal. Experian updated me and told me the account is going to stay on my file because XXXX XXXX quickly responded, lied and told them the account is valid. Experian hasn't received my bankruptcy schedules in the mail yet, which should prove my complaint. My issue with this matter is that, I called XXXX XXXX today XX/XX/XXXX, and they pretended they didn't know the account was included in bankruptcy. Well I checked my XXXX  credit report today, and they've also added XXXX XXXX to that report as well. Unlike Experian showing it as an owing debt, it's listed on my XXXX  report under Chapter XXXX Bankruptcy, so this proves their dishonesty. I've enclosed pictures with this message, of this company on my XXXX  report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF TN ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account.

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account.

<br> COLLECTIONS <br> 5. XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account.

<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my account.

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 2021-06-08
Company: AES/PHEAA
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:
FedLoanServcing As of XX/XX/XXXX they're still reporting FALSELY. I see what's going on. For example the original high balance is {$2800.00} BUT once I make a payment, they're changing the new balance to be the " Original High balance '' therefore resulting in my debt to ratio over exceeding ( over 30 % ). It's appearing that payments are not being made, causing my XXXX to stale and not increase. I disputed several times with all three credit bureaus and NOTHING is being done about the falsifying of data and disparities to my FICO score. I called last month XX/XX/XXXX and spoke with a Rep, of course she placed the blame on the credit bureaus, Rep stated they're accurately sending data through e-coach. Rep wanted to see a copy of dispute results so I uploaded it onto the website so she can view the dispute. She ensured me that the issue should be resolved. She did find it strange that my rejected {$50.00} payment on XX/XX/XXXX actually got reported to the credit bureau. XXXX shot up 52 points after a ( fake ) {$50.00} payment YET authentic large payments FICO doesn't increase. I understand why now. Fed loan is CONTINUING to falsely report principle ( remaining balance ) as the high balance. Example once I got my payment down to {$2500.00} from {$2700.00}. They're reporting {$2500.00} as the high balance AND remaining balance. It's should reflect High balance as {$2800.00} and remaining balance {$2100.00} ( my last payment on XX/XX/XXXX wasn't reported as well and they report at the end of each month. 
I've been dealing with this now since XX/XX/XXXX going back and forth getting no where. Fed loan & XXXX XXXX say it's the Credit Bureaus and The Credit Bureaus say it's the Creditors. I've Attached images and proof of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a new job and had to move to another state. I put my house up for sale and soon realized that the value of the house did not match what I owed on the house. I have submitted multiple requests to US Bank to do a short sale or deef in leiu. There have been multiple issues trying to do the short sale. First issue it took too long ( close to 6 months ), buyer removed purchase. XXXX issue was US Bank would not send out an appraiser and buyer walked. Third issue US Bank wants full amount on short sale and buyer walked. I 've also asked to do a deed in lieu but have been told that since First legal has occurred deed in lieu is not an option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 sister transferred {$100.00} to checking account. On XX/XX/2018 {$100.00} transfer deposit was pending and {$110.00} funds were now available. I went to branch on XX/XX/2018 where teller checked account balance showed {$110.00} funds were now available. I withdrew {$100.00} from checking account. Wells Fargo Bank delayed deposit of {$100.00} until XX/XX/2018. Wells Fargo Bank charged account {$35.00} service charge on XX/XX/2018. I requested {$35.00} service charge be reversed. Wells Fargo Bank refused to reverse {$35.00} service charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief