BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 my credit card company sent me an email saying that new credit cards were mailed per my request. I called them and said that I never ordered new cards. They cancelled the credit card number and no fraudulent charges were made. They issued a new card to me and instructed me to file a police report. The police department instructed me to file a fraud alert. Unbeknownst to me this fraud alert would prevent me from getting a mortgage that I had applied for. I called all 3 credit bureaus to remove the credit freezes on my accounts and remove the fraud alert. This required hours upon hours on the phone and faxing confidential information trying to resolve the issue. I had to continue to work with only one mortgage company and was not able to shop for a better interest rate. They were finally able to get two credit scores and the mortgage went through, albeit at almost .50 % higher than prevailing interest rates. On XX/XX/2019 I received a letter from XXXX. I am a college educated professional with XXXX years in the XXXX XXXX industry but I am not able to discern what the letter is telling me. There is no phone number on the letter so there is no way to call them to ask questions. I tried their website for help and had no luck. I tried various toll free numbers from the internet. None of them were helpful and it was impossible to reach a live representative. I can't even mail something to them because I don't know what they their letter means so I don't know what to mail them. A couple of weeks ago I had a similar experience with Equifax. Although I was able to speak to a representative they said they could only remove the fraud alert if I mailed in a letter, because I don't have access to a fax machine, with a copy of my social security card and driver 's licence. I am reluctant to do that because it is possible that this information can get lost or stolen. It is unconscionable that the credit bureaus are able to hold the public hostage in this manner. I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: AES/PHEAA
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a review XX/XX/2017 for my PSLF through FedLoan Servicing that has yet to be resolved and which no timetable for resolution has been given ( despite repeated calls and messages ) up to this day. The issue began when XXXX   student loans were automatically transferred from XXXX to FedLoan, which was not of my choosing. Despite applying for REPAYE on time ( and being approved ), I was charged a full month 's non-REPAYE amount which is completely untenable to pay back on a XXXX 's salary. I opened the review to appeal to override this $ 2000+ amount, called at least ten times regarding the matter also without conclusion. Though the monthly amount was finally changed to the correct REPAYE amount, since this time there has been a wide discrepancy in the number of PSLF qualified payments between different loan accounts. For example, loan # 6 only shows 3 qualifying payments while loan # 8 shows 14 qualifying payments ; I have not taken out new loans since XXXX began and there should be no reason for this difference. As I complete XXXX, it's essential to know where I stand in terms of PSLF progress as I chart out financially how to pay back > {$300000.00}. The fact that a review has not been completed after almost 1.5 years without any indication of when this will occur is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working for many, many months in an attempt to get a loan modification with Bayview Loan Servicing. Originally my loan was with XXXX XXXX XXXX and I was almost through the loan modification process when the it was acquired by Bayview.. I have been trying to get my loan modified with them for about a year now. Their course of action seems to be stall, stall, stall. My first asset manager was somewhat responsive. at least he would return calls and send emails with information or requests for documents. But somehow he disappeared and it was weeks before I knew he was no longer assigned to my file. I now have another asset manager but he never returns phone calls. Several have been left for him over the course of the last several weeks but we almost never hear back. I have received no updates on the status of my loan modification request in recent weeks. I know something is happening as I received an appraisal on my home, but no updates at all on where we are in the process. I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have 4 businesses and business accounts for over 6 years with JP Morgan Chase. Upon opening all of my business accounts I was 100 % transparent with the banker on the type of business it was and how it operated on a daily basis. I have even complied with random compliancy checks regarding my customer accounts, locations, and agreements. I recently received a letter dated XX/XX/2018 from JP Morgan stating that " We have decided to close your accounts ''. I received this for only 1 of my 4 businesses and zero explanation was given. Upon calling the XXXX number to inquire, I was told that they have decided to close my accounts and do not need to provide a reason. I was told their compliancy department made the decision but there is NO way to speak to anyone in that department. I know what the reason is, and it is blatant discrimination against a business segment they no longer want to do business with. I understand they have sent similar letters to others in this industry as well and by terminating my banking relationship they have caused financial damage to my company that must use a national bank to operate on a national level. The particular business I operate that Chase decided to close the accounts of was a full service ATM processing, placement, and servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was placed into Collections for an ER visit on XX/XX/2016. I did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Lloyd & McDaniel, PLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from the law firm Lloyd & McDaniel , PLC on XX/XX/XXXX stating my account from XXXX XXXX had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with XXXX XXXX. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to XXXX by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.

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 2018-09-11
Company: The Outsource Group, Inc
State: VA
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:
Victim of identity theft, XXXX : XX/XX/XXXX XXXX {$620.00}, reported to credit bureau. XXXX XX/XX/XXXX an inquiry that was not consented. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX address reported that was never lived in by defendant. {$2300.00}. I have contacted companies to dispute but was told that I have a common name and it was attached to my credit 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 explanation
Consumer complaint received 2019-05-10
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This service from XXXX was requested fraudulently, Im being penalized for service I never received, nor requested. I was told by representative that this account would be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Premier Student Loan Center
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In early XXXX, I was contacted by a company called Premier Student Loan Center. They talked me into a consolidation service that would shrink the amount I owe by almost 75 %. They told me that " XXXX was being sued by the Federal Government due to the fact, they were applying installment payments to their interest amount owed rather than their principle balance. I was weary of this so I decided to look them up on XXXX and found they are " Acredited by the better business bureau '' and a bunch of fake reviews. I was told that if I paid {$1000.00} over 4 months followed by XXXX $ a month for 20 years, they would pay the rest of my {$12000.00} loan. If you do the math, that means I save {$9100.00}. It was a red flag in my head instantly, thinking how could this be possible and is why I decided to XXXX them but was once again misled by false information. I realized that I was dealing with a fake company when XXXX messaged me giving me information that they had consolidated my student loans. I've tried to contact Premier Student Loan Center multiple times and they will not contact me back. I've paid them a total of 3 out of 4 payments ( {$740.00} ) and then cancelled the card I had given them before they could process the 4th payment. I hope others can read this to avoid getting talked into a scam like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i do not owe this third party debt collector and under fcra policy section 609 there is no originally signrd contracts and no proper debt validation i did recieve financial aid and this company is not trying to collect illeagally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX Huntington National Bank debited my account with them XXXX from a debt they said I owed in XX/XX/XXXX. I just opened the account on XX/XX/XXXX with no knowledge of any past debt owed to Huntington. I feel it is unacceptable, very discourteous to a customer to do this with no warning or no verification the debt belongs to me etc. it cause me a lot of problems & set backs on bills to be paid, I had no money no food and could have been evicted from my residence because of the unforeseen circumstances. Could you please help to recover those funds for me, or assist with a better resolution if my funds can not be recovered, I do not believe this is lawful or is it being targeted at a specific group of people because its just not right. I should have been given some knowledge of the intent to do this and the debt verified before the bank just take my funds please help if possible. They also said they bought first merit bank and their debt so I presume they will take from anyone whom they feel owe debt to either entity. Also when I opened the account I have documents of my current residence on the documents but today XX/XX/XXXX the banks internal department did not have that information in their system it was just updated today How is that possible if I have the documents from XX/XX/XXXX with my current residence on them, what address did they use or were they using as my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: SYNCHRONY FINANCIAL
State: PA
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 was checking my credit score on XXXX XXXX and I found a hard inquirie that I did not do or authorize. It was done by XXXX in XX/XX/2017. I was hoping to have it removed from my 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 explanation
Consumer complaint received 2019-06-17
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Are you the original creditor? Can you prove to me beyond a reasonable doubt that I have a signed agreement agreeing to pay your company? 

How did your company obtain my medical information? Can your company prove that I authorized your company any type of written consent to obtain my medical history If you cant present me with proof that I allowed your company to obtain my medical records then your company is in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996

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 2019-03-29
Company: Navient Solutions, LLC.
State: IL
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:
Was put on a nine month rehab program, completed it and was charged {$13000.00} additional interest along with a {$6000.00} fee after completion and they kept taking off the once one driven repayment plan before the renewal one year time was up and was not allowed to regain it along with being told call the Deparrment of Education to ask them to take off the additional interest. Asked numerous times to send me the forms in the mail to reinstate for income driven repayment plan and never received anything. Then started getting 10 robo calls a day from unknown numbers along with Navient, XXXX   calling and harrassing me with nonstop daily calls leaving message or voicemail with someone talking so fast noone could understand. This is ridiculous and illegal and harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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:
I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police 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 2020-08-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a charge off account on my XXXX XXXX and XXXX credit report and I have not received any verification or information regarding this account that is in my name.

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 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in a while and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. Ive contacted FTC and my local police. Im doing this myself. There are still items on my credit that are not mine. XXXX 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 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've been a Bank of America credit card customer for over 10 years. I had debt on my credit card that I've been paying for five years and never missed a payment. Two years ago I added two people to my credit card. XXXX XXXX and XXXX XXXX. Recently I added three more people to my card and I was about to remove the two other authorized users that I had for over two years. I was out of town for 22 days and when I return home I had this letter from the bank. it said " unfortunately we made a decision to close your credit card we carefully reviewed your account history, credit report provided by the credit reporting agencies '' then they continue to say the current economic loss trends we decided to close your account for the reasons, Irregular authorize user activity ''. When I called Bank of America to fix this issue. They said there's nothing that can be done now because too many days have passed since I got the letter on XX/XX/XXXX when I asked them further questions they told me I had added five people in one month and that's why they made this decision. They continue to also say the decision also was impacted because of one of the credit bureaus. First I never put five people in one month so there was a misconstrued information. Second of all my credit is impeccable it's at XXXX and climbing and it's also frozen. These decisions seem very cold and unlike the Bank of America that I'm used to. I've been an excellent customer with excellent credit and on-time payments. The reason why I could not clear this up sooner was that I was out of town and if I was able to communicate this a week after I got this letter I would not be here making this complaint.

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 2017-11-19
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was placed into Collections for an ER visit on XX/XX/2016. I  did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.

Company response to consumer: Closed with explanation