BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: AES/PHEAA
State: WA
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:
1 ) XXXX XXXX ( current provider ) Complaint 1 : I have been trying to get my loan payments qualified for the service loan forgiveness program past 3 years. I have worked for an XXXX XXXX from XX/XX/XXXX ( since XXXX school graduation ) to currently, and I have made no progress, spending hours of time that I dont have on the phone spending over 20 hours on the phone w different operators. These operators keep giving me different information to resolve issue but when I call back due to denial or just bc I have heard nothing for months, there has been NO change. They have my payslip, employer verification and W. They refuse to approve all of my payments due to transitioning from paid training fellowship physician to practicing attending physicians where the tax id number 's change since I am paid from different pockets of the same academic institution at the University of XXXX. Complaint 2 I have requested payment history from XXXX and XXXX XXXX  through XXXXmy loan payment information, and that this information should be obtained by my servicer. 

XXXX and XXXX XXXX ( ACS XXXX ) - I have requested 3 times for my student loan payment history so that I can prove that I have made payments to qualify for loan forgivenentss. I have requested my payment history through XXXX XXXX ( current servicer ) 2 times and independently by requesting it directly to each of them. I have received no payment history in the mail. As a result I have no proof of payments that I have made since XX/XX/XXXX to 1 ) count toward Loan Forgivement Payment Plan and 2 ) qualify for interest forgiveness program. 

XXXX : I was disqualified for the interest forgive program because my loans from Direct Loans ( currently ACS ) was changed to XXXX. I was provided no notice in written manner or via telephone. I was working about XXXX hours per week taking care of patients in XXXX. I was contacted by collection agency via phone who informed me that I was delinquent. This is how I found out that XXXX was my new provider. I made several phone calls and there was not a SINGLE person who informed me of the implications of interest on my student loans being capitalized versus forgiven due to this late payment. My interest was therefore NOT forgiven and interest capitalized in addition to the principle because I was FORCED into taking a forebearance. I did not even know that I was disqualified of this program with ballooned interest as a result of this mishap in which there was NO communication or notice given to me that my loan provider had been changed. 

employment XXXX : XX/XX/XXXX to XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX to present - University of XXXX ( XX/XX/XXXX-XX/XX/XXXX General Medical Education/ XX/XX/XXXX to present XXXX Hospital )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Company does not send bills or any account notifications. 

Arbitrarily lock and restrict card usage when there is no balance owed. 

Customer service has hung up on me multiple times when calling to fix issues with the card, which is usually multiple times a month. The times that I have been on the phone with them they either barely speak english, or are extremely rude and unhelpful. 

Frequently, the company will take a balance payment and leave card locked for 2-3 weeks. Calling them has had the hold removed immediately every time. 

This company is predatory and needs to be dealt with for the protection of the people that the CFPB is obligated to protect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the last three years, everytime I try to get a " free '' annual credit report from Experion online, it  tells me there is a " problem at this time '' even though I give them all the correct information. I have no problem getting a credit report from XXXX XXXX and XXXX, giving them the same information! When you try to call Experion, you get a recording and prompts for information and it kicks you out, even though you give them the correct information, saying they " didn't get that, '' either pressing or saying the choice prompt. After that, they say you can not order a report by phone. You can not call and get a live person, either, which is frustrating. They then advise you that you have to get the report by mail. After about seven or eight tries, I was finally able to get them to send me a report by mail. This was done on XX/XX/2018. It appears to me they do this intentionally so as not to encourage anyone to get a free credit report but pay for one! This is a dishonest practice!!!

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 2018-11-14
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Received A Letter From Phoenix Financial Services LLC, Dated XX/XX/XXXX... Noted As A Second Request ... Never Received Any Prior Corresponces Or Telephone Calls From Phoenix Financial Services LLC ... .Stating They Was Contracted By XXXX XXXX XXXX To Resolve A Debt ... After Checking XXXX XXXX, I Found This Was Listed On XXXX And XXXX As A Collection Reported On XX/XX/XXXX ... I Have Disputed This Negative Collection Thru XXXX XXXXWith No Resolution ... I Have Never Had An Account With Either Of These Collection Companies Listed ... They Also Have Listed On The Back Of The Letter ... An Original Credit Listed As XXXX XXXX XXXX ... Which Was Lasted Reported On XX/XX/XXXX ... Never Giving Any Information As To Them Being The Rightful Owners Of This Alleged DebtOr Entering Into A Signed Contract With Me In The Payment Of Alleged Debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Tried to close an account, banker kicked me off the chat for saying the bank XXXX. Thus the banker punished me for trying to close the account and I now I have to spend more time trying to close this account. Below is the chat that is timestamped from HSBC. 

XXXX - XXXX XXXX  Close the account Now ASAP I want the money transferred to a savings account Your bank XXXX XXXX - XXXX XXXX  Since your inappropriate language/comments are continuing after being asked to refrain from doing so, I will be ending this chat. 
Conversation closed by the agent - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 to XX/XX/2020, my regular mortgage payment was rejected from Santander saying they did not know what account to apply the payment too. I was not aware of this until receiving a notice that I did not make my monthly payment. The money was showing out of my account via an ACH payment. I called my bank that the payment originated from and they confirmed it was sent the same way it has always been previously sent. I contacted Santander customer service and told them that the money was showing as paid and our of my account. They had me submit an email to start an inquiry and showing the payment from my account. This inquiry went no where. I received some letters stating that they needed time and we're looking into it, but nothing else. In the mean time, near the end of XXXX, the money was returned to my account and that is when my bank told me it came back saying it did not know what account to add the payment too. Since I did receive the money back, when I made my next payment, I doubled it with this returned money. Same thing happened, and I again called customer service when I received a letter stating I did not pay. They kept telling me to just pay my mortgage, not listening to the fact that I did and it was being rejected though my bank said it was being paid the same as before. This payment eventually came back as well. The bank making the payment stopped ACH payments and started sending them by check instead. Have not had issues after. Nothing came of the inquiry I submitted. I was only out around {$40.00} in late fees which was not worth my time to dispute but I have now noticed that they reported on my credit score that I had a late payment. This is false and needs to be addressed.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-07-07
Company: CITIBANK, N.A.
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 XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft CBNA/BBY Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number  : XXXX This is not mine. 

3. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine.

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 2018-11-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a citi Bank credit card, on XX/XX/2018. It was approved on XX/XX/2018 which i confirmed over the phone and received an email advising my application was approved. On XX/XX/2018 I still have not received any mail from Citi Bank. I am unable to activate a card because the card has not come through the mail. I have made numerous calls to Citi bank and verified my address multiple times with different supervisors. I have already received an email showing my account balance of XXXX and showing how to make payments. The XXXX credit limit has already impacted my credit score. When I called for the 4th time today on XX/XX/2018 I was informed that they had the wrong address even though I confirmed my address 3 times. I have talked to more supervisors then i can remember at this point and have been told multiple stories about how the card was sent with an added apt number or the wrong city, or not at all. No one in the company as shown any accountability. I am now waiting for the 4th time a 7-10 days before I can start the process over if not received. As a consumer I find in unacceptable that they are reporting my credit limit to my credit report but I have no way to actually use the credit I was approved for.

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 2021-07-07
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 I hand wrote a letter disputing a transaction with us bank XXXX XXXX. 
I never received a response. XX/XX/2020 I faxed and mailed another dispute for that transaction. Never received a response. Approximately XX/XX/XXXX I called and spoke with a representative to make a dispute. And never received a response, until I received a bill saying I have to pay the total amount. {$3000.00} plus interest. I never received any disclosures in regards to the dispute and its timeline. 
I called in to speak with another representative and she communicated that the dispute was closed. I disagreed with their decision. They stated that the dispute was beyond time frame of dispute. They rules say 540 days due to this being an ongoing contractual service, with the most recent contract date requiring merchant to be of service in XXXX of this year. Secondly I should not be required to pay a bill on a disputed transaction. Us bank is ignoring the information and evidence I am supplying that supports my claim. Us bank is also reporting me late to credit bureaus. Us bank has shown blatant disregard to my consumer rights and protection by ignoring the first 2 written disputes and blowing the 3rd one off.

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 2019-05-23
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have already lost my home to foreclosure. I had XXXX XXXX  XXXX and not only were they very hard to work with, I could never get a correct answer as to why my Mortgage that was at a fixed rate would go up. WHen I did get behind in PAyment back in XXXX. Shortyl after, my mortgage was sold and now I was paying XXXX XXXX XXXX at a much higher Mortgage amount than I was paying before. I was a first time home buyer and started with a first time home buyers program with the State of New Hampshire. We refinanced with Green tree and put on a new roof had the house panted and a few other things we needed. I was with Greentree from XXXX it was sold and then sold again when XXXX XXXX XXXX took over. They were no better. I ended up losing my house. My husband became chronically ill and end up XXXX this past XX/XX/XXXX at the age of XXXX. In the year XXXX I received a letter on a class action suit for green tree that I was part of and I have misplaced that letter. I even forgot about it when my husband of 28 years and together for XXXX at the time had XXXX XXXX   and was in and out of the hospital in a XXXX  for 14 days and thirty days in the hospital before his death. 
I believe the class action suit was for when my mortgage payment went up without notice and may have been because I was being charged flood insurance.I tried to find that letter but I believe moving twice in a short span may have contributed to getting lost.. I do not how to go about getting the information on filing with that class action suit. I am not sure if everything is on a time limit and if I am too late. It just seems like I am made to lose. Even social security never approved my husband until he died and with that, after 12 years of trying, he got 7 months of social security after working 22 years for the same comapny.No severance pay no retirement no social security- one of the reasons we became late on our mortgage. If you could please help me in locating the class action suit and see if I am still able to file I would surely appreciate that. I am tired of struggling financially because no one wants to help. If I was due money from that suit I really can use it now. I did the best for a family of five on my income for the past 10 years. No other income from my husband. We were foreclosed on, lost our vehicles and I had to swallow my pride and go to local food banks. I could not get any state help because it goes by the years before taxes. Even if we were no longer making that money. My husband died XXXX. I am sure the stress of losing everything did not help. 
This class action suit if I and my dead husband are owed I could use the money to bury him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
As stated before the judge back in 2014, my only source of income has been SSI/SSDI. I have a permanent XXXX and have been on SSI/SSDI for over 10 years. I have not received any signed orders by a judge showing this debt has been extended passed the Utah state statute of limitations. Additionally you all are requesting employment information from DWS. And DWS I am on state XXXX as well and I am not employed. This judgment should have been vacated. Furthermore, your law firm has sent notices threatening documentation to obtain records of my income which is social security XXXX income which you do not have authority to retrieve these documents from the Social Security administration or through DWS. Your law firm has been aware that I am XXXX and my only source of income is SSI/SSDI yet continue to violate the law indirectly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had submitted a claim and it was being investigated they closed it with false information and I was told they would re issue a new claim number and fix the error only to find out my account was closed and sent to their collection department. XX/XX/18 They closed the account and now I am being subject to pay XXXX in fees that the account remains overdrawn for.

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 2018-08-12
Company: Continental Credit, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I decided to give this company another try after they failed the first time to provide services as advertised. I was skeptical but after seeing the results from my mother 's credit scores, I signed up in XX/XX/XXXX of this year. I shared my previous experience with XXXX, the representative who signed me up. She promised me that she would be one of the persons working on my credit file. Since signing me up in XX/XX/XXXX, I have not been able to speak with her. When I call and ask for XXXX, I either get transferred to her voice mail or am offered to speak to someone else. After using Continental for almost 7 months, I am not satisfied with the results. The representatives continue to provide me with the same information after every round of disputes are completed. I have done the majority of the work on my own. Most of my negative credit are from my student loans and inquiries so I don't understand the lack of results. All they are doing is taking {$79.00} a month to do absolutely nothing. I recently requested to speak with a supervisor to express my concerns. His name was XXXX XXXX. He apologized and also agreed that I had not been given enough information on my file to know how much progress had been made. He explained my positive and negative credit and told me he would follow up with me on XX/XX/XXXX to let me know my credit score. Since then I have not heard back from him. At this point, I want my money back. I can dispute my credit on my own and at no cost. I am disappointed once again and embarrassed that I gave this company another try to help me improve my credit score. It seems as this service is not for everyone. The information is not consistent and there is too many people working on the customer 's credit file. I want my money back and will do my own credit repair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Turner Acceptance Corp.
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: Account information incorrect

Complaint:
I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL

Company response to consumer: Closed with explanation