BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I previously filed a complaint through CFPB, today we received a response from the lender and the complaint was closed, however, the explanation from the lender was absolutely false and exactly the reason why they need to change my payment and backdate it to {$130.00}. In sum and substance, the portion of their explanation that is pertinent to the complaint is as follows When the recertification application was processed on XX/XX/XXXX, FedLoan Servicing determined that the family size had been reduced and that the marital status had changed in comparison to the previous year. The IDR monthly installment is directly dependent about your household income and family size. As a result, the monthly installment under the PAYE plan increased from {$130.00} to {$280.00}, effective XX/XX/XXXX. 
This information is fraudulent and absolutely false, my family size had not changed, as they are very well aware of - through the numerous conversations weve had with loan officers, nor had my marital status changed from the previous year, I have been divorced since XXXX and head of my household, single parent to a XXXX  and XXXX  to an elderly parent, my household size is three, and has been - for four years. Nothing has changed, so they are making false statements in the response to the original complaint ID : XXXX. I demand the payment be calculated accordingly and backdated as they have now made contradictory and false statements to this organization, when stating that my family size or my marital status changed, none of which is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Army and Air Force Exchange Service
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX I started to struggle making payments due to a XXXX XXXX XXXX and limited access to my bank account ( which had also been drained by someone who had access ). Upon coming back I missed several payment showing on my credit in XX/XX/XXXX and XX/XX/XXXX. The company has since blocked me from making payments over the phone or online. They told me I must make them in person at the store or by mail for 6 on time payments. I was told this after going through countless customer service reps and being told different confusing things and not being directed to anyone who could tell me anything specific. I have since then made 6 on time payments and am still not able to pay online as I was told. The biggest issue with this I am I now out of the military and this is a military store. Theyve given the option of mail but its really out of the way and all Im trying to do is pay off my debt. They are intentionally making that more difficult and the customer service rep went as far as to tell me that it was punishment for missing two payments. This was already frustrating as prior to this I had made over {$300.00} payments for 7 months on min {$30.00} payment. I was already paying above and beyond so why punish me? And how is that their duty? This is suppose to be a military supportive store and theyve already reported my credit even knowing the common military situation I was in, so now I dont understand them intentionally making this more difficult and I have no base access to make these payments in person. I have attempted to call and have the issue resolved but am always sent in circles being told different things. I feel as though I am being prevented from paying my debt to them and they are quick to report these things. They take too long to give answers, if those even ever come honest or correct, and I am afraid theyll take so long I will not be able to pay on time. It feels that they are intentionally ruining credit and refuse to come to any resolution or work with Me. Any time I call I dont think Im able to connect with anyone able or willing to listen or help. I just want to pay my debt and be done with them for good if they would just allow it.

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 2021-08-17
Company: Experian Information Solutions Inc.
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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I have never done any businesses with this company. This company does not have a contracts with my signature.

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX placed derogatory untrue statement on TransUnion credit report on XX/XX/18. Has incorrect billing information that belongs to another person. Debt does not belong to 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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was not aware that any of these companies were running my personal information im wanting them removed from my report, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2021-08-17
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Purchased a firearm through XXXX XXXX XXXX. Used XXXX XXXX. Paid 1st payment via ACH on XX/XX/21 & called to pay account in full ( 90 days option ) on XX/XX/21. This company is in violation of our contract and it is now void. I've instructed XXXX to recover my funds. I will keep the property as settlement. 

XXXX will : Provide a " paid as agreed '' letter to XXXX XXXX ASAP. 
Will acknowledge their mistake in writing Will stop further collection actions Remove my name from their systems Will never report anything to any credit bureau. 
Will acknowledge that I have been awarded the leased property as compensation for this epic attempt at theft. 

Anything less and I guess we have to deal in court and I have my records. 

Consumers must have a method to punish businesses that steal lie and cheat.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18
Company: BANCO POPULAR DE PUERTO RICO
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have a mortgage with Banco Popular in Puerto Rico that we obtained in XX/XX/2106. We speak English only, and have told them on numerous occasions to send us servicing notices in English. They keep send important notices ( such as about hurricane insurance or property insurance ) in XXXX only. This is unlawful and needs to stop. When I tried to call again today, I got the runaround and finally was disconnected with no one helping me.

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 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 paid off my credit card account with XXXX XXXX XXXX on XX/XX/XXXX, and I closed my account with a {$0.00} balance on XX/XX/XXXX. I expected my account status to be updated with TransUnion as closed at that point. On XX/XX/XXXX, I received a report from TransUnion after having some credit inquiries as part of a refinance on my home mortgage and discovered that my XXXX account was still reporting as Current ; Paid or Paying as Agreed and that it still showed a {$15000.00} balance. But the last payment was reported as being made on XX/XX/XXXX. I was hoping it would fix itself on its own and that my report would be updated. When I checked again at the beginning of XX/XX/XXXX, I saw that the account still had not been updated as Closed with a {$0.00} balance. I filed a dispute with Transunion online about the account and explained the changes that needed to be made. They did update some other information, but they verified the XXXX credit card account information as Accurate, according to the Investigation Results that I received on XX/XX/XXXX. The XXXX credit card account information was still INACCURATE, so I opened another dispute for this same issue. I called my bank, XXXX XXXX XXXX, and verified with them myself that the account was indeed closed and I asked them to re-send this information to TransUnion. I also sent TransUnion a copy of the last credit card statement I received from XXXX stating the date the account was closed and showing a {$0.00} balance on the account via postal mail. In response to this dispute, TransUnion sent me back Investigation Results dated XX/XX/XXXX saying they verified the account again as Accurate. They received information from me saying the account had been closed and they are still reporting the account as Accurate, even though the information they have is grossly inaccurate and out of date. I called TransUnion again on XX/XX/XXXX and spoke with XXXX about the XX/XX/XXXX results. She said they verified the information from XXXX as accurate. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and he said that after I had called them in XX/XX/XXXX, on XX/XX/XXXX, they did a credit audit on my account and verified that it was closed and paid off and said they had reported that back to TransUnion. They also updated XXXX today, XX/XX/XXXX showing that my XXXX credit card account is updated as paid and closed. I want this fixed immediately. It is inexcusable that TransUnion is still reporting inaccurate information as accurate even after they have been furnished information that shows otherwise.

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 2022-08-10
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I received a letter in the mail from LoanCare indicating there was an escrow disbursement check which was issued to me in XX/XX/XXXX for {$1400.00}. ( The excess funds in the account is money I've paid to escrow ). The letter stated that for the check to be reissued, I would need to fill out the attached form and either mail or fax it in. If the form was not received by LoanCare by XX/XX/XXXX, the funds would be sent to unclaimed property with the state treasurer 's office. Furthermore, the letter also indicated that processing/reissuing the new check would take XXXX weeks from XX/XX/XXXX ( not from the date they receive the response from me ). 
After going back through the previous mortgage statements I have received in the mail, I was able to locate the aforementioned check as well as another escrow disbursement check dated for XX/XX/XXXX for the amount of {$1500.00}. I called LoanCare to ask if I would be able to cash the checks. I was told that the checks were not valid after 90 days ( although no such timeframe was noted on the checks ). I was further informed that there was another check which was issued in XX/XX/XXXX for {$2200.00} that was not cashed. I asked the LoanCare agent if upon reissuing the XXXX check, that the checks for XXXX, XXXX, and XXXX could be combined or if I could fill out a similar form I filled out and returned for the XXXX check could be done for the XXXX and the XXXX checks. He told me this was not possible. He stated to me that the checks could not be combined, and that I would have to wait for their unclaimed property division to send me a similar letter in the following years for the XXXX and XXXX checks. The agent also read from the letter I received that any calls or further communication with them to receive or expedite the checks would result in a delay/longer wait time to process the check [ XXXX ]. In other words, LoanCare has $ XXXX in escrow money that is owed to me, however, they are going to pay this money back to me over the course of the next XXXX or XXXX years. 

The most concerning issue is that the letter stated, they have a high volume of these checks to reissue. If that is the case, LoanCare is holding on to potentially millions of dollars in consumer escrow overpayments.

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 2021-08-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Around XX/XX/2021 I applied for a Rooms to Go credit card with Synchrony Bank. After applying for the card I was told they need more information and to call a number. I called the number was told I needed to do the ID Verify via my cell phone. Went to the website once I put in my information the site said it was blocked and to call a number if you need assistance. So I called had them unblock the site and did the video and submited front and back of my Drivers license. I called back and was told the application was denied and that I will need to wait for the decision letter to come. On XX/XX/2021 I get a email from the bank saying they have my decsion letter was ready. I accessed the letter it says " To protect your identity, we checked data sources to verify information on your application. These databases may include, but are not limited to, public records, phone directories or social security databases. 
Additionally, our customer service agent might have asked you questions to verify your identity. 
Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. 
Thank you for your application. If you have any questions on this letter or our decision to decline your application, '' I am not sure how they can not feel confident it is me when I did a whole video with my ID on there website.

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 2018-06-12
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following number XXXX and other numbers from this same company keeps calling my number repeatedly while i am at work. I send it to vm and they literally call right back. I answered and informed them this debt was paid and that i wanted my cell phone number removed from their list and added to the DNC, I asked them not to call me again. They keep calling!!! This is for XXXX XXXX  clothing store credit card. aka : 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 2020-06-26
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I advised Barclays Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that a company named XXXX was using my card without authorization. They were told to block this company from using my account on all of the above dates. To date, they still have not blocked this company from using my account and once again on XX/XX/XXXX my card was used again by XXXX in the amount of {$11.00}. I will not pay for these purchases. I have three emails directing Barclays not to allow this unauthorized company to use my account, but they choose not to do anything about it. I want a refund of the {$11.00} ( XX/XX/XXXX ) {$12.00} on ( XX/XX/XXXX ), {$5.00} ( XX/XX/XXXX ) and {$11.00} on ( XX/XX/XXXX ). For a total of {$41.00} and I WANT XXXX  BLOCKED FROM USING THIS ACCOUNT. THEY ARE UNAUTHORIZED!!!!!!!!

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 2020-06-26
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Submitted a request on loan makers paperwork for working at non-profit. They acknowledge they have the paperwork, and after multiple submittals ( which they have received ), and a letter, no determination has been provided. 

I am at the end of my rope on this loan. They don't respond to paperwork, they play games with me on the phone. Please ask them to respond to my request. It is affecting my health and well being. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.

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 2019-10-22
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Got charged with three XXXX XXXX dollar fees one reversed the others stay I didn't sign up for overdraft protection they said its included they refuse too refund the rest of fees of 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 monetary relief
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.

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 2019-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I sent dispute letters to the credit bureaus, requesting they remove this account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: SYNCHRONY FINANCIAL
State: NY
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:
My complaint is with Synchrony Bank. In the Fall of last year, we contracted with XXXX XXXX XXXX of XXXX XXXX, NY to install a new hardwood floor in our home. They offered 12 month same as cash financing through Synchrony Bank. The floor was installed on XX/XX/XXXX, but we noticed several problems afterwards. The floor was scratched by the installers when they moved the refrigerator. In addition, one of the boards developed a separation in plywood layers, causing the board to protrude and create a trip hazard. In addition, another board contained a large visible crack in it approximately 12 inches long. We immediately notified XXXX XXXX XXXX about the problems and they did not seem in any hurry to respond. It took several attempts to get any type of response from them. 
We then sent a letter of dispute to Synchrony Bank advising that we would be withholding payments until the problems were resolved. Synchrony initially responded and acknowledged our letter, but it appears that they never charged the amount back to XXXX XXXX XXXX. It has been 7 months now and XXXX XXXX XXXX still has not fixed the issues, and Synchrony Bank has notified us that they feel that XXXX XXXX XXXX has made a good faith effort to revolve the problems. We received a letter from them dated XX/XX/19 advising that they consider the dispute closed, and the amount is now subject to interest charges. In addition, I received a statement from them showing a payment in the amount of {$190.00} is due on XX/XX/19. We sent another letter to Synchrony on XX/XX/19, continuing to dispute the amount, but they have not responded or acknowledged our letter. 
Please help us to resolve

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