BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
Company: AES/PHEAA
State: NJ
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:
This is a continuation of the complaint i have already made through the CFPB - case number XXXX I contacted XXXX from Fedloan XXXX as she was assigned to my case after submitting a formal complaint to the US department of education. She is in charge of obtaining my promissory note and reviewing my interest rates as I have received previous documentation stating my interest rate was higher then the fixed amount. I sent her an email requesting to have a discussion regarding my repayment terms now that they have been changed to 120 months- to find out what my payments would be, how much my loan amount would be reduced etc. 
She called me on XX/XX/XXXX I informed her of the response I received from the CFPB regarding change in payment terms. She stated that typically the 120 months would start in XX/XX/XXXX, stating that my previous XXXX years of payments under the standard repayment plan ( I have paid several hundred dollars more then the actual amount in an attempt to pay it off faster ) would not go towards the 120 months. I questioned her on this because this was FRAUDULENT behavior on the part of Fedloan. My terms from the beginning should have been 120 months ( per US department of education guidelines which they state they follow ). 
Now that I caught them and made the formal complaint I CAN NOW RECEIVE THE CORRECT TERMS??? If that is the case FEDLOAN is continuing to DEFRAUD ME. She then informed me that my loan accrues {$15.00} in interest per day, approximately {$480.00} a month- approximately {$5700.00} a year. THIS IS COMPLETELY INCORRECT. My XXXX XXXX states my student loan interest received by lender is {$10000.00} over the past year. If FEDLOAN doesn't credit me for the months I have paid ( started paying my loan XX/XX/XXXX under the standard repayment plan ) which is XXXX years of payments they are now defrauding me of approximately {$27000.00} or MORE. 

Yesterday- XX/XX/XXXX I received my new repayment terms and they were 120 months starting XX/XX/XXXX. I refuse to allow Fedloan to continue to act in corrupt ways and take advantage of me which is why I decided to submit another formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: MD
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 the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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 2019-06-20
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like file a formal complaint against Flagstar banking mortgage loan department. I submitted my application to request a modification on my home loan due to a recent divorce causing me financial hardship. I uploaded all the required documents to the MY LOANS online portal on beginning XX/XX/XXXX and sending in my last documents on XX/XX/XXXX. I received approval and a trial payment agreement that I signed and uploaded to XX/XX/XXXX before the deadline of XX/XX/XXXX. The trial payments began on XX/XX/XXXX and I made all 4 monthly payments with the final payment paid on XX/XX/XXXX on time. I began receiving collection phone calls in late XX/XX/XXXX and over 10 letters some certified mail saying that I owed over 5,000 dollars. I called the first time and was told that was just due to the home modification process. I received a notice early XX/XX/XXXX that my credit score dropped 100 points and I called back in, this is when I was told my modification had been cancelled on XX/XX/XXXX due to my trial agreement paperwork not being returned. I notified the phone agent XXXX   that I had in fact uploaded the paperwork XX/XX/XXXX and she called me back to inform me that my case would be reopened and I would receive final modification paperwork within 15 days. I never received the paperwork and over the course of XX/XX/XXXX I spoke with XXXX twice, XXXX twice who promised to call me back both times and never did, XXXX who gave me unsolicited and incorrect loan counselling advice, and a few other people who did not help. I had been told 3 times that my case was reopened and with underwriting once by XXXX and twice by XXXX before XX/XX/XXXX when I demanded to speak to a supervisor. The supervisor XXXX  spoke with me on XX/XX/XXXX and told me that my case had not been reopened and that the ball has been dropped and my case was still closed meaning my credit was being falsely damaged due to this companiys negligence. I feel that this is some type of ploy to get me to fall delinquent on my loan so Flagstar can foreclose and take possession of my home or possibly an attempt to cause me to owe more than the 1 month pass due balance of XXXX   because the current amount I owe is XXXX because of my case being closed in error putting me 2 additional months behind. I finally received my final modification documents XX/XX/XXXX and the capitalized amount is XXXX which is incorrect because my modification was cancelled back in XX/XX/XXXX due to Flagstars error. I am currently seeking legal advice and I have reached out on online forums to see if any other Flagstar customers have experienced this type of issue. The treatment I have received since my mortgage was transferred to Flagstar is unacceptable and unethical and the ball has been dropped will not suffice as an explanation.

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 2020-02-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
It's been over 10 years since this problem began. My oldest son attended a private school in Texas in the city of XXXX XXXX to play XXXX  for them. The administration, coaches, and financial aid office stated to us that they would help our son get his education. We were told that he would have XXXX XXXX and would not cost us for him to attend the school and play XXXX  for them. 

Fast forward to this present time. In XXXX my tax refund was taken by the government. In XXXX I was able to hire an attorney to represent me to dispute these erroneous charges and the opposing attorney dismissed the case. But then another one arose and that's why the garnishment was done. 

Also there's a private student loan discharged from a bank called XXXX that they wrote off and had discharged the amount but still shows it active on my credit report. In XXXX we filed a chpt XXXX due to medical problems and loss of wages and included any private student loans that the law allowed us to discharge. 

I just need advice on what to do in this matter. In 35+ years of credit history I was never late not 1 payment at all. But since I was medically not able to work the hours I was used to, I lost my wages, which forced me to file a chpt XXXX. The judge understood my plight and had accepted my financial bankruptcy. She even stated in her decision that's why the law was put in place to help individuals like my wife and myself when things that can go wrong financially in life that we need such help to restore back what is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a XXXX 's store credit card since XXXX. On XXXX, XXXX XXXX XXXX, I was shopping at the XXXX 's store located in XXXX XXXX, Illinois. When paying, the clerk asked me if I wanted to " upgrade '' my regular XXXX 's store card to the XXXX XXXX XXXX XXXX. I expressed concern that I had rewards accumulated under the XXXX XXXX XXXX XXXX and had also enrolled XXXX XXXX XXXX  and that I did n't want to lose those benefits. The associate assured me that when I received my new card, I could simply call in and have those rewards and program transferred. 

I received my card, called as instructed, but have not been able to get my XXXX Rewards transferred. This entitles me to free shipping and XXXX XXXX back in rewards on XXXX 's purchases. Resetting this, because it 's treated as a new account deprives me of the benefits that I have earned. 

I called again on XXXX, XXXX XXXX. I waiting on hold for more than an hour to speak with someone in the XXXX department. It was suggested by the customer service agent that they have someone call me back instead. They have never returned my call. 

I called today, XXXX, XXXX XXXX. I was given the same run around. I am still currently on hold waiting to speak to someone in XXXX. It was suggested that I simply close the new account and revert back to the regular XXXX 's store card. But that is not a solution because of the damage the additional credit inquiry did to my credit score. It also affects the Average Age of Account. XXXX 's needs to fix my rewards tier or figure out a way to make this right. At this point I feel like I have been defrauded by XXXX 's into signing up for an account I do n't need and deprives me of the benefits I have already earned.

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 2017-11-10
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Lease terminated XXXX, XXXX, two months early, very low mileage. {XXXX} excess wear and tear charged and an unauthorized charge of XXXX for " Sale Expense ''. Called XXXX ( 3rd phone contact ) and they waived ( deducted ) XXXX  and stated XXXX} would cover the entire bill. ( XXXX, employee # XXXX, lease recovery department ). I sent in the {XXXX} with the knowledge they would return my XXXX} check - but they cashed the XXXX immediately after the call. 

Return calls are always unproductive " because you are not authorized to talk about your daughter 's account '' - my daughter has authorized them to talk to me on four occasions. GM Financial routinely loses records of prior conversations. 

I noticed they actually did not deduct the charges, but cashed my check for XXXX. Since then they refuse to talk to me " because I am not authorized ''. My daughter works in a hospital and has limited access to her phone during business hours ; she has called them four times and authorized me to speak to them about the account. They always deny that they have authorization. 

They tricked me into paying XXXX in exchange for a {XXXX} rebate, then declined to give me the {XXXX rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
Portfolio Recovery Associates failed to provide proof of authority to validate said alleged debt and assumed the role of debt collector ; they have no power to validate or state that I owe any alleged debt pursuant to 15 USC 1692 ( c ) ) ( c ) as the consumer I have the right to dispute or refuse payment of any said alleged debt. I have never entered into any agreement with Portfolio Recovery Associates, so there is no evidence I have any outstanding liabilities or obligations or any consumer transactions with Portfolio Recovery Associates. Under the doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporation powers is unlawful, making the contract null & void and Portfolio Recovery Associates only provided proof of contract were statements and transaction history which isn't a substitute for a wet signature contract. Portfolio Recovery Associates willfully committed fraud and identity theft by stealing and using my identifying information without my authority. As a consumer and natural person, I owe no debt to Portfolio Recovery Associates and want them help accountable for all the violations they committed ( see attachments for details ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
to whom it may concern, on XX/XX/ I mailed out a certified letter through US postage seeking a full disclosure of a previous re-investigations on the following negative items on my account which appear as follow ; XXXX XXXX Account # XXXX. Balance {$11000.00}. 

XXXX XXXX credit card Account # XXXX. Balance {$680.00}. 


XXXX XXXX credit card Account # XXXX. Balance {$110.00}. 

A second XXXX XXXX credit card account which appears to be double account with a slightly different account # XXXX with a balance of {$590.00}. 

XXXX XXXX XXXX Account # XXXX Balance {$0.00}. 
XXXX Account # XXXX. Balance {$400.00}. 

This credit reporting agency is in direct violation of the FCRA rule 611 ( a ) ( 6 ) ( B ( iii ) which states that the consumer may request a description of the procedure used to determine the accuracy and completeness of the information. And shell be provided by the credit reporting agency. 
I also specified in my letter that any automated response or e-Oscar digital verification method would be unacceptable.

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 2020-02-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2015, I applied to move into XXXX at XXXX but I never moved in to the establishment. Recently, I got a collection notice for {$780.00} regarding the establishment. I tried to contact the apartment complex but my calls and emails have been ignored on numerous occasions. I just want to get this removed from my credit report because it was falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2019 freedom mortgage reached out to me about refinancing my home, I was a little hesitant but went on with the process. Now here it is the end of XXXX and we still haven't closed, although I have received at least 4 calls/texts/emails saying it's time to close, but when I call back there is another stipulation. I was told SEVERAL times we wouldn't have to make a payment on our current mortgage since they were gon na be paying it off, but then they came back and said we couldn't move forward until XXXX payment was made, at this time a late fee was applied, they promised to have it removed, its still not removed. After being promised if we paid the XXXX payment we would move forward, we still haven't. I have now had to pay XXXX payment. No one will return my calls or emails at this point. Several weeks ago I was told my case was being expedited, not sure what that word means to them, but a month later and still no response is unacceptable! Having to come up with 2 payments I was previously told not to worry about has put a major strain in my life and no one there seems to care about their negligence. Makes me wonder if this is even a legit company!

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: Dividend Finance Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My partner XXXX XXXX XXXX XXXX and myself ( XXXX XXXX ) purchased a two-family home earlier this year and shortly after were contacted by XXXX  XXXX  offering us their services that were financed through Dividend Finance. While we felt the salesperson was pushy and pressured us to sign the contract, we still believe purchasing solar panels are a good decision for us. 

Dividend Finance 's contract with us noted that project funds would only be disbursed approximately 60 days after the solar panels were installed. However, Dividend Finance 's protocol in ensuring that panels are installed is problematic. Namely, Dividend Finance will fund projects without confirming with the borrower, but only the contractor. According to Dividend Finance, a project is considered " installed '' as long as the solar panels are on our property. That means, even if the solar panels installed are defective or installed incorrectly, Dividend Finance considers this a completed installation and funds the project. In our case, XXXX XXXX incorrectly installed the panels, such that there is no reasonable way to expect them to work as intended. However, XXXX XXXX told Dividend Finance that the project is complete and now the projected is funded. I have contacted Dividend Finance twice letting them know this issue, however they said as long as the panels are on the property, that is considered an installation. However, as a consumer, I believe it is not unreasonable to expect that an installation would constitute a " proper installation '' and not simply placing the panels onto my roof. 

A quick XXXX Search or search on the XXXX  will show that this issue is rampant with solar loans issued by Dividend Finance. 

I hope that CFPB can investigate this situation and make sure that other consumers do not get affected by this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and TransUnion are showing my XXXX XXXX XXXX XXXX account # XXXX account to be 30 days late on a payment. The account had never been 30 days late and always in good standing up until it was paid in full in XX/XX/2020. I submitted a dispute they closed it in 2 days and did not correct it. And Trans union is showing the account was closed negatively and sold to a new creditor. Which is false.

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 2017-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
Dear XXXX XXXX XXXX Experian, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX XXXX XXXX reported service of XXXX 2017. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, 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 non-monetary relief
Consumer complaint received 2017-11-10
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX ( XXXX ) has already called my house 3 times this morning. They are looking for an XXXX XXXX. I am not XXXX XXXX and do not know an XXXX XXXX. This harassment has been going on for weeks, with multiple calls being made to my home daily at all hours of the day and night. I have repeatedly asked them to stop, but they refuse. Each time I am told that my number will be removed from what ever account they are trying to collect on, but again, they are not doing it. This needs to stop.

Company response to consumer: Closed with non-monetary relief