BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: AES/PHEAA
State: OK
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:
Im enrolled in the public service loan forgiveness program ( which means that I'm also enrolled in an income driven repayment plan ). I have it to where payments are taken out every month. I noticed they didn't take out payments the last two months. When I called and asked them why, they told me than when I enrolled in classes at XXXX XXXX required for my teaching certification ) that my account automatically went in to forbearance. That was the standard operating procedure, even though I paid cash for my classes. They said I should have submitted a deferment waiver. NOBODY told me that and because of the forbearance, my interest was capitalized, making the total amount for my loans increase {$2000.00} within just two months. This is unethical. I looked through all my fedloan paperwork about PSLF and IBR and they don't mention this anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my husband and I applied for a HELOC through our Mortgage servicer, Wells Fargo. We identified in the application that we are XXXX XXXX. Our credit scores in the in 700s and we have good income. 

XXXX XXXX XXXX was assigned as our point of contact for the HELOC application process. She requested I write a letter to explain my job history and income despite providing 3 years of XXXX statements when only one year is required. Her manager also requested putting the companies in the letter as well. These two requests caused the process to take longer than necessary and was the first sign my husband and I had that this could be discriminatory practices to limit/prevent XXXX XXXX  from obtaining funding for home improvements. 

A few weeks later, we were informed by XXXX XXXX XXXX, our point of contact for the process, that we were being denied. She informed us the underwriter reviewed the data and that we were being denied ( 1 ) due to having a modification performed in XXXX that reduced the balanced by {$23000.00} ; ( 2 ) because the Loan-To-Value ratio did not meet the criteria set by Wells Fargo for approval. XXXX informed us despite this, the underwriter still attempted to find a smaller amount that could be approved but was unable to do so. We advised her we feel the entire process we experienced was discriminatory based on our XXXX XXXX  status that was identified in the initial loan application and that we would be filing a complaint with the CFPB. She advised she would have an executive contact us for further review. 

On XX/XX/XXXX, my husband and I spoke with XXXX XXXX, the executive representative XXXX XXXX XXXX referred us to. He advised the same two reasons mentioned previously that we were denied. I advised him we had been informed that by XXXX and challenged the validity. I asked XXXX if the reasons we were denied are regulatory reasons or if these are Wells Fargo policies. He replied they are Wells Fargo policies, not regulatory policies. I also advised him of the discrimination we feel the process has taken us through. He replied an internal investigation was performed and it was not found to be discriminatory. I advised him as I did XXXX that Wells Fargo recently settled with the CFPB in XXXX for discrimination specifically against XXXX XXXX   and it seems these practices are still taking place despite that fact and that I would be filing a complaint officially with the CFPB.

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 2019-09-26
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have filed chapter XXXX. We have had so much trouble with mortgage payment. First my attorney was unclear about our payment. Then this past XX/XX/XXXX the mortgage company changed and our payment went from XXXX to XXXX. Also are payments were not shown as paid and instead went into unapplied funds. So every month it was shown as past due amount. Can this be fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2022-02-03
Company: TD BANK US HOLDING COMPANY
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:
XXXX XXXX, 2022, I noticed my TD bank debit card was not in my wallet. I logged into online banking to lock the card and noticed a XXXX balance when the balance should have been over $ XXXX. It appears someone used my card with PIN at ATM machines every day until my account was drained. I have had this account for years and never had a history of using the ATM let alone daily to take cash. I am dumbfounded that the bank 's system did not notice daily ATM withdrawals. Furthermore, the thief appeared to be checking the balance causing a {$3.00} fee each time. How does TD banks fraud system not notice this activity and allow a customer 's account to be emptied? I am hearing impaired and while using Relay to talk to the first TD agent I was treated rudely and as if I was stupid. I was then passed onto the Fraud department and was treated very rudely. I am not a thief and I do not like the bank that I have been a customer at for years to treat me as such. I live between XXXX  and XXXX. I explained I have no problem getting a police report if XXXX  can do one over the phone as I am at my home in XXXX  at this time. The fraud department did not even say goodbye or give me any type of reference/case number she just hung up on the relay operator. Very unprofessional and if a proper investigation is not completed I will seek any and all actions necessary to have my funds recovered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
i have had my loan go into default a few years back and i have corrected it, but i am getting harassing never ending calls and emails about my loan will be going into default if not paid and i do n't even remember attending this school for the dates it says the loans were dispursed, i want some help and some relief from this, now i see navient is being sued and im getting more upset. 

Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There was n't a clear category for my issue, but I live in a state ( NC ) where I know the mini-Miranda must be read, however when I was contacted this morning by Navient, it was n't read nor was I properly verified - just a " Is this ( my name )? '' and then went right into verifying my contact information. I know that not saying the Mini-Miranda is a violation of the FDCPA since they were trying to collect on a debt ( XXXX overdrawn )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: GOLDMAN SACHS BANK USA
State: CT
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:
After 2 years of perfect payments record Paying my full balance ever month in full Without even 1 prior email or help After having trouble to pay my balance for the very first time my Apple card was closed during national pandemic I would like to report the bank into customer support at the state of CT and national customer help. 
I would Luke to expose this bank practice, without a single email or giving me an opportunity to fix my account, they just close it. 
I think banks forgot whos money bailed them out including this bank in the past bank crisis, but during national pandemic, when people loose jobs, struggle they use their power to bring everyone more down Im a woman owning a small business strangling like all of us, how is it possible for bank not giving you even one notice that they plan to close your account after being late for one month! This bank should be ashamed of themselves and not allow to profit from national crisis! 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ct XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. XXXX XXXX   CONSUMER ID NUMBER 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 2019-09-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I am requesting a refund for a temporary Serve card. Per the cardmember agreement, " By signing or using the Serve Temporary Card, you agree to be bound by these Terms and Conditions in their entirety. Should you wish not to be bound by these Terms and Conditions you must, prior to using the Serve temporary card, request a refund of the value of the Serve Temporary Card by calling Customer Service. '' Unfortunately due to no fault of my own I am unable to register this temporary card. As such, it is no use to me and I am hereby rejecting the terms and conditions and requesting a refund in accordance with the terms above. I have already contacted customer service, who refused in any manner to process this refund. 
The card is unused and therefore in full compliance with the conditions required for a refund. 
In addition, I am requesting refund of the {$7.00} monthly fee that was auto deducted from the card balance. 

I can be reached at XXXX or by cell at ( XXXX ) XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX To whom may concern, My name is XXXX XXXX # XXXX is being violated in zip codes XXXX and XXXX I am currently working this this business and a older woman send me mail to settle disputes with my debt, these people are mail tampering. Mail tampering is A XXXX fine! they been doing it for over a Year. They opened my mail so that when I work with the business I receive a hard time. these people come with all kinds XXXX ( excuse my curse I am tired of it ) They are retaliating against me and my religion. they are violating the constitution, the Civil rights act of 1964 and the first amendment. I do believe in XXXX " Amen-dment '' and I am trusting the process but now I am done with these people. I am XXXX XXXX XXXX overcoming a struggle and upcoming. I am being more aware of what people are doing and trying to have control over my life. these people are trying to stop me from having a good life. I am targeted in my community. the hate is real discrimination is ongoing. My bank account has a history of fraud. I am not perfect but I realized what these people were doing and there trying to make me pay for false debt by giving me fraud checks and not putting my correct address and ID theft. I gave them 2 ids to ID me and they refuse to help me. Every time I walk in they are violating the Civil Rights Laws of 1964. This city is doing bad and this is no disrespect to TD bank itself, its just the ones in XXXX. It is a struggle city and I am battling these people the RIGHT WAY while these people promote fraud! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Credit Advisors Foundation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Date contact : XX/XX/19 by XXXX XXXX of Credit Advisors. They were referred to me by the XXXX. This company portrays itself as a 501 ( c ) ( 3 ) not-for-profit when they are clearing in it for the profit. Before even asking me about my request or what I need help with they requested all my debt balances and other sensitive information to " calculate '' my payment to them. This company is like many others to scam people into paying them for the advice of settling debts through destroying your own credit. You can see in my attached email where he mentions " correct terms of the creditor ''. When I contacted them I didn't even ask about this type of service. I hope my complaint helps people from making the mistake of going through this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
State: NV
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 HAVE WRITTEN TO BOTH EXPERIAN AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY Experian XXXX XXXX XXXX XXXX DateXX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from experian

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 2021-12-22
Company: Westlake Services, LLC
State: TX
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:
These companies are continuing to report inaccurate and fraudulent accounts to my consumer report after disputing and asking for investigation they continue to ask me for a identity theft report which I have already sent before and will attach proof along this complaint. These are clearly stall tactics and I am going to start pursuing legal action.

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 2019-09-26
Company: Allegiant Capital Recovery LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX spoke to a representative via in bound call at my place of employment and advised that I can not take personal calls at my workplace. I contacted them again on XX/XX/XXXX as the calls did not cease and asked for a mailed copy of the debt in question. I also asked that they stop calling my employer and they said they would stop contacting me at work and remove my work number. 
They have continued to contact my place of employment and have not stopped although my employer has also explained that they can not call as this is a place of business. They have called again today to my place of employment and left me a voicemail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
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: Public record information inaccurate

Complaint:
Tax debt was filed in my credit reports inXX/XX/XXXX and XX/XX/XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.

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 2021-09-15
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Can not make statements of wrongful reports by PennyMac to transunion about severe delinquency due to COVID 19 DISASTER LOSS. PennyMac is in default. I am currently and have been in the past on COVID Relief not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 a non authorized transaction was made in the amount of {$2400.00} sent to an unknown individual. I called the bank to explain the situation as soon as I noticed what had happend. With in the week I got a response stating my claim has been denied. I kept fighting for my money wich was to pay my rent and was asked for a letter from my phone company that after doing my own intensive research I realized it doesn't even exist. So they were asking me to show them something they know is impossible to get wich is a complete mockery and an insult to me after being a loyal customer. I will not let them steal my hard earned money that I sweat for and work extremely hard for. I Need my money ASAP I can not afford to play these foolish childish games with employees who are supposed to provide excellent customer service and instead they make complete fools of us. Meanwhile fraud against me is being committed.

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: CORELOGIC 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

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 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you

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