BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have called ACS multiple times over the past year to see if there was anything I could do to lower my monthly payment on my private student loans. I have been told that all options have been exhausted and there is nothing they can do unless I default on my loan. I have explained that I will not default and I do n't want to be in deferment or forbearance, I would simply like to find a way to lower my monthly payment and pay a little less per month. 

I am paying {$1000.00} per month ( {$260.00} for federal and {$730.00} for private ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AMERICAN EXPRESS COMPANY
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX I filed a fraud complaint with Amex on my bluebird card ending in XXXX. There was a charge from XXXX XXXX XXXX for XXXX I didn't authorize this transaction. It is a scam preying on Amex cardholders. There is no such club. They said their investigation could take up to 45 days, time is up. I ve tried calling several times including a couple times waiting 1 hour or more, to be disconnected without anyone answering. I realize they don't care about their customers since most cardholders can't get an active checking account. I am not one of those people, I just use it to get my check faster. Had to pay XXXX  to have my card XXXX XXXX after not getting the new one after 2 weeks. The customer service was the worst ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Bread Financial Holdings, Inc.
State: NC
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 have not used this card since XX/XX/XXXXbut charges keep popping up. I mean THOUSANDS of dollars. I made a huge payment on XX/XX/XXXX and then the fraud started on XX/XX/XXXX. I have disputed all of them! The ones that happened in late XXXX and early XXXX were credited to my account and they stated they would stop the card and send me a new one. I never received it, and I notified them. And guess what, MORE charges appeared. I have disputed them. Now they are telling me that they are all my fought since the card is in my name. WHAT!?! Can you please help with this? All I want to do is have the fraud charges credited to my account and the finance charges corrected. I just want to be done with this company!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter from Ocwen Loan Servicing dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. It stated that my loan modification failed due to " failure to return signed Trial Plan Agreement within the required timeframe ''. I disagree with this decision due to laon modification paperwork was uploaded and faxed to Ocwen. I was informed when I contacted Ocwen on XXXX/XXXX/XXXX ( at XXXX pm ) that the paperwork was received and nothing else was needed except the first payment, to which was made at the same time as the phone contact. I spoke to XXXX with agent ID # XXXX. I contacted them for clarification to the loan modification wording, since it is confusion as to which/what was good to fax/upload/email and which paperwork needed the original signatures. I was informed when I spoke to XXXX that all the paperwork was received and when I asked if I needed to overnight the originals, I was informed " NO ''. This is a conflict to the decision received on XXXX/XXXX/XXXX. I called and spoke to my relationship manager, XXXX XXXX, on XXXX/XXXX/XXXX. She informed me at that time the originals were needed to be sent in. AT NO POINT IN TIME did anyone inform me until the latest decision. I am not sure as to why, if Ocwen received the first payment and the uploaded and faxed paperwork, no one contacted me to say they NEEDED to ORIGNINAL PAPERWORK. 
After some research, I have found numerous complaints about Ocwen staff giving false and incorrect information. They have also been fined and have had class action lawsuits for fraud. 
I feel, due to the incorrect information when I CALLED for CLARIFICATION, I should be given another change to do a modification. I feel Ocwen has defrauded me and set me up to fail the trial modification. I am trying to fix my defaults with Ocwen, but feel they are impeding my progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: U.S. BANCORP
State: MD
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:
Hello I have been customers of Us bank for over 2 years We had a secured credit card and was offered to upgrade to an unsecured card on XX/XX/XXXX We clearly asked if our credit would be run to change to an unsecured account and told no it would be based off our payment history with US Bank and I would receive other offers in the mail if we qualify We received new cards in the mail for our new unsecured line of credit for the same limit of 300 However our credit was run I called to ask for a solution to reverse the inquiry to the credit bureau or give us a higher line of credit as 300 is not acceptable when our credit is good and we have other cards with 10x the limit The supervisor XXXX was not helpful and directed us to dispute with the bureau We requested to cancel our account as we were deceived and the supervisor could care less We will be filing a complaint with the FTC and federal reserve These are deceiptful business practices

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 2021-10-18
Company: DISCOVER BANK
State: NY
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 don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THEY CALL AT ALL HOURS. NAME IS GILA CORPORATION. I DON'T OWE THEM ANY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2017-12-28
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been under FEMA forebearabce since XXXX due to Hurricane Irma. This is my second CFPB Compaint regarding this. In response to my prior compaint, My Loan Care acknowledged I was under FEMA forebearabce ( but did not resolve ANY of the other offenses I complained of ; which remain unresolved to this day ). I have now been kicked off their website and am unable to make a payment. After spending more than an hour trying to speak to a customer service rep, I was explicitly told that ( a ) I was not under a FEMA hold, and ( b ) if I wished to make a payment there would be a {$15.00} charge. 

Now my forebearabce is ending and they keep insisting I apply for a modification or loan repayment program, which would change my loan terms and increase my interest rate. This my have been lying and scamming me and giving inconsistent advice the entire time I have been under FEMA forebearabce. AND they 're charging me inspection fees, which I should not have to pay since I 'm not in foreclosure. Nonetheless, by locking me out of the website and refusing to accept my payment without charging exorbitant fees, they are literally trying to force me into foreclosure. 

I understand that they want me to Sue them to get a favoriable resolution ( which may be my only option at this point ). But I have recorded calls and PROOF that I have been lied to, scammed, have had my payments rejected unless I pay a high fee, and am basically being pushed into foreclosure or an unwanted modification.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: NC
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:
My daughter and I bought a used XXXX XXXX and financed it through XXXX XXXX XXXX. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!

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 2017-11-07
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:
There has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified.XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX

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 2022-10-03
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I called FedLoan Servicing to request that my student loan payments made on XX/XX/2022 ( totaling {$21000.00} ) be refunded to me since they were made during the Covid-19 federal forbearance period. They told me they submitted the request and it would take 2-8 weeks. It's far too wide of an estimate initially and it has also already been 6 weeks. My husband already received his refund from his student loan servicer and there's no excuse for it to take this long. On top of it all I called them today to get an updated status and their primary phone number didn't allow me to get ahold of an actual agent. There was no option that pertained to why I was calling nor was there an option to get ahold of the operator.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
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 got a letter from the bank saying they ran a hard credit inquiry on my credit which turned out fraudlent. 

They have asked Equifax to remove the hard credit enquiry and thats the content of the letter there is no response from bank of a follow up nor has equifax taken any action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to receive DIFFERENT collection agencies over an alleged debt owed to XXXX XXXX XXXX. Not my debt. I have said to XXXX XXXX XXXX many times and I continue to receive collections notices. I started to report this to the CFPB and there is a prior case number of XXXX. There is a clear pattern of going from one debt agency to another debt agency, in perpetuity. Perhaps the law has a loop hole that requires patching up since the consumer is still being harassed by the same alleged debt just by different collectors. Shame on you XXXX XXXX XXXX. I have already communicated with you on more than one occasion ( and each time I must bear the incredible wait time ). Each time I must wait for your associate to find the file, the information and these poor associates are clearly from another country trying to figure out what is going on. I then sit through a tricky session where I barely comprehend the XXXX. Then I repeat my story. Each time, promise to sort it out but I continue to receive collections letters. 

I have spent countless hours dealing with this. 

Sequium Asset Solutions , LLC is another collector sending me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Citi Diamond Preferred credit card with a credit line of {$3700.00} with {$1200.00} available for balance transfer ( 0 % for 19 months ). I activated the card by phone, and set up a user name and password online, and indicated I would be interested in a balance transfer to XXXX XXXX. On XXXX I set up a {$1200.00} balance transfer to XXXX XXXX for mid XXXX, but had a {$980.00} airline ticket refund, so immediately called back to CitiCard to cancel the {$1200.00} transfer and initiate a {$270.00} transfer to pay off the remaining XXXX XXXX balance. Following this, I checked on line through chat service and many times looked at my transaction lists to make sure this was processed correctly, even called back to make sure the {$270.00} would clear in time. 

In a surprise to me, on Monday XXXX CitiCard processed a {$1000.00} balance transfer to XXXX XXXX, giving me a negative {$1000.00} credit limit with XXXX XXXX. I called on XXXX to CitiCard to ask what this {$1000.00} balance transfer was, and was told I iniated this on line. I asked how I couldnt be informed of this when I called, and how was I allowed to do redundant transfers to the same company, and how this {$1000.00} transfer did not even show up on my transaction list as pending ... They had no answers, and XXXX badge XXXX told me they must have assumed I knew, and I should call XXXX XXXX to refund. Bottom line, CitiCard withheld basic account balance information from me on multiple occasions and allowed for redundant balance transfers. This was very poor customer service and a complete waste of 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 2017-11-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a lease through Toyota Financial Services ( TFS ) which ended. I received a letter from TFS dated XX/XX/XXXX, stating I owed {$430.00}. 

On XX/XX/XXXX I spoke with XXXX ( Agent XXXX ) who reviewed the charges. Most of the charges were incorrectly billed to my account. There was a questionable amount remaining of {$62.00}. That amount was for a pro rated property tax amount due from the previous lease holder ( the lease is a transfer ). XXXX was not sure I owed this charge and told me to call back on XX/XX/XXXX to confirm the status of this charge. 

When I called back on XX/XX/XXXX, I was told the amount went to collection with XXXX XXXX. To avoid reporting to credit agencies I promptly paid the balance. 

Going back to TFS on XX/XX/XXXX I have been transferred around several times and once again was told to call back. 

In the interim I have been transferred to 5 different people, all from different departments of TFS ( or some other corporate entity of Toyota? )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a letter in the mail regarding a debt with XXXX XXXX from American Coradius International LLC. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone. 
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: JPMORGAN CHASE & CO.
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hired XXXX 's XXXX to repair a power outlet on my computer. They came out to my house XX/XX/XXXX to do the repair. The charge was XXXX. They did not fix the problem, I called them back to fix the problem yet again. They came back out on XX/XX/XXXX and charged my card XXXX without my consent. The problem was still not fixed. I called them again and this time they would not return my calls. I disputed the charges with my credit card company because the service I paid for was not received. The said that by just showing up at my house I owed them the money they charged me. {$260.00} later computer is still not working and Chase is refusing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm demanding that these major credit companies cease it reporting unknown and unauthorized accounts on my credit file inwhich I have disputed. I'm disputing these accounts cause they are not mines and the fact that I been XXXX since 2016. I'm asking for signed contracts and any other physical Verification that you have in support of you and your companies that'll solidify your reportings. In my research it is fact that electronic Verification can not be accepted as any proof. So please provide physical documentation or remove the following accounts immediately. 
1 ) XXXX XXXX XXXX {$290.00} 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
The XXXX XXXX XXXX put me in collection that I didnt borrowed with them. Date open XXXX2017 ... {$500.00}

Company response to consumer: Closed with explanation