BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: GREAT LAKES
State: NC
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:
My issue is regarding excess payment allocation.
Great Lakes Educational Loan Services is the servicer of my Stafford loans. I have 4 Stafford loans in total, each with a different interest rate. The highest interest loan is called " Loan Token 330. '' My monthly payment date for these loans is the XX/XX/XXXX of every month. In XX/XX/XXXX, I paid my monthly payment via autopay on XX/XX/XXXX. I also wished to make an excess payment in the amount of {$800.00} toward Loan Token 330. I  called the Great Lakes customer service phone number on XX/XX/XXXX to make the excess payment. Great Lakes customer service was closed on XX/XX/XXXX due to the XX/XX/XXXX holiday, so I was not able to reach customer service.
<P/>
Great Lakes customer service reopened on XX/XX/XXXX, so I called on XX/XX/XXXX to make my excess payment. The customer service representative promised over the phone that my excess payment would be applied to Loan Token 330 only, and promised it would not be applied to my XX/XX/XXXX monthly payment. <P/> I logged into my Great Lakes online account on XX/XX/XXXX and saw that the excess payment was applied to my next monthly payment, instead of being applied to Loan Token 330 only. <P/> I called Great Lakes again on XX/XX/XXXX. For the first time, Great Lakes customer service explained to me that an excess payment must be made on the monthly payment due date if it is to be applied to a particular loan, and not to the next monthly payment. This information is not available anywhere on the Great Lakes website. The Great Lakes website states that an excess payment will go toward the next monthly payment first, but it does not state anywhere that the excess payment must be made on the monthly payment date to avoid this. Furthermore, I was told conflicting information during my phone call on XX/XX/XXXX : Great Lakes customer service told me that the excess payment would apply to Loan Token 330 only. <P/> During the call on XX/XX/XXXX, Great Lakes customer service told me that an " exception '' would be made for my payment, because they were closed on my payment due date, and because their customer service told me incorrect information on XX/XX/XXXX. The " exception '' would fix my excess payment so that it would go toward Loan Token 330 instead of my XX/XX/XXXX payment. <P/> On XX/XX/XXXX, I called Great Lakes again and was informed that the " exception '' did not go through and my excess payment would remain applied to my XX/XX/XXXX payment, rather than to Loan Token 330.
<P/>
I want the CFPB to help me get my excess payment applied to my desired loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX/XXXX/XXXX {$11.00} nothing they could do about the fee. 
Transunion XXXX/XXXX/XXXX {$10.00} plus tax it has n't hit my account yet. Nothing they could do about the fee. 

My Identity is compromised in the XXXX security breach. Due to this I had to lock down all of my credit bureau. I think it is highly unethical to charge a fee to lock down bureau accounts under this situation.

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 2018-01-01
Company: EQUIFAX, 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:
I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from equifax and XXXX credit files as well. The collections account for XXXX, XXXX XXXX, needs to be removed as well. If the XXXX account is not valid neither is the collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX  in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but Experian says you still hold the mortgage. You don't and I disputed their " resolution ''. 

Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}. 

I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent. 

One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise. 

You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.

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 2017-07-14
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a bill with a XXXX balance from Key Bank, opened in my name. I received it one day after my mother, who banks with Key, received the same type of bill. Neither of us has ever held or currently hold a credit card or debit card from Key. I did not request a card be opened nor do I have a personal banking relationship with Key. I am a " signer '' on my mother accounts in case of emergency. <P/>Key bank indicated these cards were an error and had been pulled from an old system and bills sent out. As stated, I have never had any credit card from Key bank or From its previous owner XXXX XXXX. <P/>Key bank did not have a clear answer as to why this bill was sent other than a computer problem. However they did indicate it would show up on my credit report. I have not spoken to, written to or requested a card from Key bank at any point it my life. <P/>I believe Key Bank is systemically and fraudulently opening accounts - much like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Please see attached document for full description of complaint. I am demanding a letter detailing the procedures used to substantiate TransUnion 's investigation into the validity of two accounts. 1. XXXX XXXX XXXX XXXX 2. XXXX. 
**********Please note I am preparing to take civil action if this is not resolved properly*******

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 2021-09-17
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to Designed Receivables for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I requested a payoff of my mortgage. I was refinancing with a new company at a reasonable interest rate and receiving a cash back amount. 
Current - Rushmore Mortgage- My interest rate now is 9.93 % The payoff came on XX/XX/XXXX and it included XXXX as short interest. I inquired as to what this was. I was not given a report or letter on what this is. 
XX/XX/21 Requested in writing of a detailed report for this amount. 
XX/XX/21 Receipt of acknowledgement of my request and it would take 30 days to get a response from them. 
XX/XX/21 called and was told it would be sent out that day ( Friday ) or on Monday. 
XX/XX/21 Called and requested the information again. I was told it would be sent that day. 
XX/XX/21 ( dated letter ) Received a letter with the corporate fees listed. ( I did not request this ) XX/XX/21 Called to request the correct information and advised they sent information I did not request. 
I can not get my interest rate reduced from Rushmore. 
I have stopped my refinance because that amount is greatly increasing a new loan. 
The payoff is XXXX as compared to XXXX with short interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
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:
equifax has wrongly used my information on there XXXX XXXX that i have taken multiple loans on my PAN no. which is not true. The name which shows in there site is also not my name. They have ruined my credit and XXXX XXXX, for which i am not able to take loan from any bank. please look into the matter i am facing severe mental harrasement. ITS A CASE OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: GA
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 am disputing the following account with DEPT ED/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX XXXX XXXX this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score

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 2017-07-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been using the app XXXX XXXX. There is consistently a issue with the app not getting updated information from BMO Harris bank about my transactions and balance as well as direct deposit.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED ALL DOCUMENTS NECESSARY TO HAVE ALL ITEMS LISTED BE IMMEDIATELY BLOCKED PURSUANT THE FCRA

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 2017-07-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, I took out a federal subsidized Stafford loan. It says in Navient that it 's a variable rate, but I thought all federal loans were fixed? Anyway, the interest rate has doubled each XX/XX/XXXX this year and last ( XX/XX/XXXX and XX/XX/XXXX). Last year when I raised a fuss about it they told me Congress sets the rates, but upon further digging, Congress sets the rates for NEW loans. I do n't understand how they 're doubling my rate each year. I 've never missed a payment, so it 's not punitive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Professional Credit Management, Inc
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sent a letter in XX/XX/XXXX asking for proof of account, i never received any documents in regards to the account, and it still reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Receivables Performance Management, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE SENT 2 LETTERS TO RECEIVEABLES PERFORMANCE MANAGEMENT, LLC : ( XX/XX/2020 XXXX ) AND THEY HAVENT RESPONDED TO NEITHER OF THEM AND ITS STILL REPORTING NEGATIVE WITH THE CRAs. THEY HAD 30 DAYS TO NOTIFY ME OF THE INITIAL COMMUNICATION BUT DIDN'T AND NOW ITS A VIOLATION OF MY RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid over 5 years ago to XXXX XXXX and now it has been sold to a collection company name XXXX XXXX XXXX and it is currently being displayed on all three credit bureaus and I would like for this to be removed from all three credit bureaus as soon as possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: NY
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 was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Phelan Hallinan Diamond & Jones, PC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX. of XXXX XXXX XXXX XXXX XXXX handled the foreclosure matter on our home. We sold our home on XX/XX/XXXX, 2 months before the scheduled sheriff sale date of XX/XX/XXXX, and XXXX XXXX asked for and received the sellers disclosure on XX/XX/XXXX. We also signed a confidential settlement agreement that XXXX XXXX prepared. However, XXXX XXXX refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to XXXX XXXX to cancel the sale. XXXX XXXX still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get XXXX XXXX to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them. XXXX XXXX 's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB. XXXX XXXX XXXX XXXX XXXX is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I do not think it is fair that a bank should charge us a fee for cashing a check that is drawn on their Bank regardless of whether we have a relationship with their bank or not why should they be allowed to take money from us just because we do n't have an account with their Bank. If the check is drawn on their bank they should cash it with no fees to the person cashing the check. Bank of America wants to charge me {$8.00} for cashing a check that is drawn on their Bank because I do n't have a bank account at their Bank or relationship with them I find this ridiculous and totally unfair why should I give them {$8.00} of my money because I do n't have an account at their Bank what the check is going to bounce and they 're going to have to take it out of my account which is not written on which the check is not written on my account not fair they should not be allowed to charge me anything if the check is drawn on their Bank.

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 2018-01-02
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I withdrew {$500.00} from a {$1000.00} line of credit I opened with CashNetUSA to pay an emergency bill. On XX/XX/XXXX I withdrew {$500.00} from the line to pay another emergency bill. When I had {$300.00} withdrawn from my checking account on XX/XX/XXXX in payment I was stunned & called their XXXX to find out if the minimum payments were always going to be that much, I was told by the representative that the next payment on XX/XX/XXXX would be for {$350.00} & none of these payments would reduce the principal at all. The representative told me this was disclosed to me & I do not believe I was given a detailed disclosure with clearly written examples when I foolishly opened the account. Very sorry. These payments are exorbitant & earn the title of " Loan Shark '' for CashNetUSA. A portion of these outrageous payments should be applied to the principal. I am elderly & depend on a monthly Social Security payment. Please see that others are warned about this " business ''! Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation