BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have attempted to resolve an ongoing issue that has been, and continues to be, problematic to my financial security. It came to my attention in XXXX that numerous, 23 to be exact, of the payments that were made to this account were denied as eligible payments towards the Public Service Loan Forgiveness Program ( PSLF ). The payments that were denied, range from XXXX to XXXX with the reason of denial being that the Payment Was Received Outside of Payment Period Window. All of these payments were not made outside of the payment period window and should be counted towards the PSLF eligible payments. I have contacted FedLoan by phone ( XXXX ) numerous times since XXXX in reference to this issue and spent an inordinate amount of time without any resolution to the situation. The amount of time it takes to reach a customer service representative makes this issue very difficult to resolve and is unacceptable. The phone contact with Fedloan that was made on XX/XX/XXXX squandered two ( 2 ) hours of valuable time before a representative could be reached, which frankly, should be an embarrassment to the Fedloan agency. I am currently in the process of obtaining a mortgage, which this issue is hindering, and attempted to resolve the issue through phone contact yesterday and spoke with a representative by the name of XXXX ( Employee ID XXXX ) who advised me that the government will accept the payments, XXXX through XXXX, as eligible payments towards PSLF. It was advised that a time of when this will happen could not be provided but that the loans should be forgiven after six ( 6 ) more payment periods. When asked if something could be provided that explains this could be obtained to provide to my lender for mortgage approval, it was advised that nothing could be provided. According to the FedLoan website, the Expected Forgiveness Eligibility date is XX/XX/XXXX, which is not accurate due to the fact that payments have been made towards these loans since XXXX. Phone contact has proven to be of no assistance in this matter and a letter requesting a resolution was recently mailed in hopes of avoiding legal fees, in an attempt to resolve this situation, and to request that documentation be provided in a timely manner with an accurate expected forgiveness eligibility date of XX/XX/XXXX and no response was received. This issue needs to be resolved as soon as possible and FedLoan appears to be indifferent and has offered no assistance in resolving the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: AZ
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: Other problem getting your report or credit score

Complaint:
I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an Equifax score of XXXX, which I have never had and I kindly said you must have a mistake. I called Equifax 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by Equifax employee my score was not 400+ that there is no way they would show that if they were simply using the information provided by Equifax . The store assured me they dont use any scorring models of their own, simply Equifax information. Equifax told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost 600 and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Revolut Technologies Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am customer of Revolut USA. After heavily advertising payroll direct services to me in-app and via email, I signed up for the service. The actual XXXX XXXX providing the ACH services is XXXX XXXX XXXX in New York. 

Ever since properly setting up the payroll direct deposit to my Revolut USA account with my company ( all I had to do is enter the checking account and routing numbers on the company payroll website ), my funds have been deposited into my Revolut USA account between 1 to 5 days late. 

I work for a large corporation and direct deposit has never been an issue. I used to bank with XXXX XXXX. Without fail, payroll direct deposit funds were always available on or before the scheduled pay date, in case of that date falling on a Sunday or Holiday, and that was consistent for the last nearly 25 years. Colleagues who bank with the various large traditional XXXX XXXX tell me that they never have any payroll direct deposit issues. 

I get paid twice per month and after switching payroll direct deposit to Revolut USA in XX/XX/2021, not a single paycheck arrived on my account in time. Actual pay dates vary on an irregular basis and funds are available between 1 to 5 days late, most often between 3 and 4 days. 

The most recent example : Pay date was XX/XX/2021, a Monday and regular business day. The 3 colleagues I worked with over the weekend reported that they had the funds available in their checking accounts on Saturday, XX/XX/XXXX. That is consistent with my previous experience. 

I do not expect early payment from Revolut USA, but it is not unreasonable to expect my salary to be available on the posted day, especially after the daily marketing messages to me, advertising the reliability and especially the speed of the Revolut USA payroll direct deposit, promising funds to be available earlier than with most other banks. 

I have had several chats with the friendly Revolut USA support folks. While I appreciate them being supportive, there have been no results. I was asked to report issues with details and copies of payslips whenever this issue arises, but I don't think it is reasonable to expect the customer to provide details and copies of payslips every 2 weeks to further investigate while not a single result of any of the investigations has been communicated to me to this date. 

I have done all due research that is possible for me to do. I have contacted my payroll department several times on this and we verified that all the banking info has been entered correctly on the company payroll direct deposit web page. 

Unfortunately, there is no direct communication possible with Metropolitan Commercial Bank, which is the actual financial institution behind Revolut USA handling ACH transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: CA
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:
Unauthorized use of my credit that resulted in inquiries that I was unaware of that negatively affected my account.

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 2019-12-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Two years ago on XX/XX/XXXX I went to Home Depot here in XXXX, the XXXX store looking to purchase flooring. Although it was XXXX XXXX this item was not a XXXX XXXX sake item. It was a regular purchase with a 24 month deferred interest promotion that Home Depot has fraudulently scammed with Citibank to automatically add to your account without asking If you want it and without your knowledge or consent on purchases over {$200.00}. Even if you decline in lieu of a 10 % discount Citibank and Home Depot add  it without you consent. 

I found the flooring I wanted, the sales person 's name was XXXX. ( I have the original paperwork and sales receipt ). They had a 24 month deferred interest promotion. I told the salesperson I did not want the promotion in case it couldn't be paid off in 24 months instead I asked for a 10 % off discount. XXXX called Citibank while in my presence and was told it had to be done at the time the purchase was rang up. XXXX then called the person who was the store manager at the time and was told to give me the discount and gave her instructions, she said to ring the purchase up. We went to the front of the store to customer service and she rang the sale up herself and I was assured the promotion would not be applied. 

I have been making payments on my account for two years thinking I was paying the interest along with the purchase month to month only to find out two days ago on XX/XX/XXXX. I received my new statement Saturday XX/XX/XXXX due XX/XX/XXXX. Two years back interest has been applied along with additional over the limit fees in the amount of {$1100.00}. ( statement attached ) I called Citibank Monday, XX/XX/XXXX and was told too bad the promotion was applied anyway without my knowledge or consent and you have to pay off $ 2100+ for the flooring before the interest and any other fees are removed. They said to call the store it was suppose to be taken off at the time of sale which I thought it was and the store us responsible. 

I called the store XX/XX/XXXX and spoke with the Store Manager, XXXX, and took her a copy of the original purchase documents ( attached ) I was told Home Depot had no control over the promotions they belong to Citibank although I was given the discount in lieu of the promotion by Home Depot and it was their responsibility to make sure the promotion was not added to my account at the time of sale. This is a scam Home Depot and Citibank run on their customers to obtain more money for the additional fees and interest on interest can be applied. When researching there are hundreds of lawsuits filed against Home Depot and Citibank for this type of deceptive trade 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 explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  collection for medical debt this company have not verified this debt with me. Due to privavcy they have copies of XXXX  information with out hippa consent Please show and send a copy of the hippa consent bearing my signature

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have been disputing my account since XXXX All my account say 'Account not disputed '. I have called and sent letters to let them know I AM the one disputing my accounts. My next step will be a lawsuit. I know my rights and they are being violated.

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 2019-12-17
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/XXXX at XXXX XXXX  I signed to sell my house. The buyers signed at XXXX. The money was then immediately wired to LoanCare/XXXX for payment. I checked my mortgage account Friday, no change. I checked it Monday the XXXX, no change. On Monday, I got my share of the proceeds wired to MY bank account so I knew they had been sent. I checked it Tuesday the XXXX ( FOUR days after they were wired the funds ), no change. On Tuesday LoanCare called to tell me my payment was late, I had failed to pay, and I now had a late fee. I said, no, this has been paid off. Apparently the payoff department and the payment department don't communicate. I called the title company to assure the money had gone out and it had. The payoff department at Loancare said " oh we see a payment pending but we don't process payments on Friday or on the weekend so it probably won't be in the system until 48 more hours from now and at that point we will determine if it was timely and in the right amount and if we will change your account to remove the late fee and late payment. '' Are you kidding me? That is ridiculous. This company should not even be allowed to be in business. They are the worst company I have ever communicated with. Their website interface is awful. Every time I log in I had to RE-sign up to get estatements. It looks like something leftover from 1996. And apparently many other people have issues with them so I'm not sure why they are even allowed to operate.

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 2020-07-24
Company: EQUIFAX, INC.
State: AL
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 contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX   XXXX XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an rma to my servicer as my income and hours are affected a lot it took a good couple months to finally submit the forms they needed to start reviewing what kind of help I can get at some point I look at the status of my application and noticed it was cancelled when I called I spoke with an account manager who was assigned for this process and I was told it was a glitch in their system and case was reopened the status then showed the underwriter will post or mail a decision of which programs I will qualify for and I had nothing to worry about as I am awaiting a desicion I called just last Friday to learn I can ask for the last 90 days of forbarence well I didnt ask I was offered that over the eeekend I check my online mortgage info and come to this status loss mitigation review cancelled notice was mailed I was shocked as to I have been waiting since before XXXX to see what options the underwriter has for me turns out to tell me because I went back on forbarence my application was cancelled I spoke with a account manager and she was getting the higher manager approval to reopen the case and advise me by this coming Friday to what decision they will make with all this I have had this loan with Usbank since I bought the house in 2006 and not once I missed a payment it honestly is very rude and destroying for someone that faithful to their system and how good they are making things so now I dont know if there will another glitch in their system or what the underwriter will reopen the case and give options of better than just put the amount of the forbarence to the back of the loan and resume payments I was asked what would get me off the hardship and start payments? I suggested to lower my APR I am at 6.725 and the market rate is at 1.99 % I saw today doing my math to adjust my apr will defenetly make my payment affordable so I am asking the lord of you people to help me as much as you can please those people are just killing time and think people are stupid

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 2023-07-12
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
During my loan from XXXX to XXXX my payments were not taken off the final balance amount. There are two very large fees that they added to my bill that they would not tell me what they were for. At the end of my time having the vehicle the vehicle caught fire with me driving it. It was not deemed totaled but it was too expensive for me to fix and it did not run at the time. I tried to turn the vehicle over to them and they made me wait months for them to pick it up to be auctioned. They sent the price of what it would sell for at auction before it was even picked up from my property. The amount was for {$4700.00}. However when I looked up the VIN number on that vehicle it actually sold for {$9900.00}. The total of the vehicle was {$11000.00} with interest the total became {$13000.00}. I paid a total of {$4900.00}. The fees that they would not disclose to me total {$1300.00}. My calculation is that I only owed the finance company of Westlake Financial {$8600.00} not including the fees that they would not disclose to me the purpose of and with the true amount of the auction price I should not owe them anything or at the very least much less than the {$9200.00} that they have been reporting to my credit this whole time. I have already reached out to the Ohio Attorneys General Office about this issue. The OAGO has deemed this particular finance comany as " predatory ''. I have every document they have given to me along with the screen shots about what I found out by looking up the VIN number. The OAGO has reached out to them to try to settle on what I provided and they have refused. I have contacted them about this as well and was sreamed at by the person that was on the line and talked over the whole 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 2022-01-14
Company: JPMORGAN CHASE & CO.
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 had an account on the online shopping store " XXXX XXXX  In this account I had my credit card information saved for faster checkout. On XX/XX/2021 at XXXX I received an email that I had placed an order on the site for a product. Within 1 minute, I received 3 more emails stating I had ordered the same product. A total of four open orders that I did not initiate. The supposed seller then marked each one as shipped within another minute or so to make it impossible to cancel the orders. I was able to cancel one order before the seller marked it shipped leaving 3 orders for the same product that I didn't create. I contacted the website first but they suggested doing a chargeback through my credit card. My card was immediately cancelled and an investigation took place. The investigation said I the transactions were not fraud, which I disputed. I sent documents showing that multiple of the orders used the same tracking number. On the invoices of each order it showed my home address that I had attached to my account, but the tracking numbers showed delivered to a completely different state. The destination not matching the order address should alone be enough to investigate. The website has now frozen the orders from this fraudulent seller as they have realized it was not accurate. Chase still has me as responsible for the orders even though I provided plenty of evidence that the orders were not possible to be filed by me and no packages were ever sent for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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 looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation