BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I swear that I completed the income based repayment recertification back on XX/XX/XXXX, approximately 30 days after XXXX notified me of my program ending unless I renewed. I didn't receive another notification from XXXX until XX/XX/XXXX that my program has changed. I had just spoken with a XXXX representative the previous day on XX/XX/XXXX regarding my public service forgiveness not having the correct number of payments, which the person never mentioned that my recertification documents were never received. 

Now, XXXX has capitalized approximatley $ 45K of interest and say there is nothing they can do and direct debited a payment of {$2700.00}, which normally is aroudn {$1200.00}. They said I can unauthorize the charge and do forebearance for 30 days, but lose that payment toward PSLF and there is nothing that can be done on the interest capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have reached out several times to XXXX ( XXXX XXXX ) to discuss the huge amount of interest that was added to my once {$13000.00} loan that is now {$25000.00}. I had no idea that when I was in school not making payments that the loan would still be accruing interest so it was truly not in deferment. I have made several attempts to find a solution with the loan providers. I get the run around that its a private loan and all XXXX does is collect the payment so there is nothing that can be done unless I pay my loan off in full. I have tried to make a settlement payment with them and have tried to get the late fees taken back just to make the load pay off more manageable. Mean while I just keep paying several hundred dollars each month that I just found out is not even covering my interest payment! The interest rate has increased and it is impossible to pay off the current loan amount at the rate that its going. I am tired of getting pushed in to forbearance anytime I call with concerns of not being able to afford the payment. I feel at this point I have exhausted all options. My last call to them was in XX/XX/XXXX2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit. In The Early 2000, I Was A Customer For Over 5 years. I Had An Health Issue With XXXX In My XXXX. I Had Sit For Over A Month Without Being Able To Walk. I Got Behind One Month. I Tried To Settle My Bill Which WAS {$500.00}. The Salesmen Gave Me Extra Charges & Two Extra Months Worth Of Bills That Werent True. My XXXX XXXX XXXX   Bill Came About To Be {$1800.00}. This Amount Is Not Correct! I Tried Negotiating And Was Refused! 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX and WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX and WFDS with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2020-05-07
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an email from someone impersonating my boss at work on XX/XX/2020 and the email was sent to my work email. My boss ' information had been compromised and I was sending money under false pretenses. He requested my help with sending money to a vendor via Cash app and stated that I would be reimbursed afterwards. His email had the name of my boss and he had a photo of my boss in the email. I have email correspondence that I can provide to prove that this was impersonation. I believe there were multiple people involved as I was requested to send money to two different people. I filed a dispute to my bank ( XXXX ) and now it is under investigation. I emailed CashApp and they denied my request as they are unable to refund " completed '' transactions. I sent someone named XXXX XXXX {$1700.00}. CashApp told me I should file for fraud under my bank but I would like CashApp to cooperate with the fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: General Motors Financial Company, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
-XX/XX/2019 : I refinanced my mortgage from Flagstar Bank to XXXX  XXXX   XXXX XXXX  ( XXXX ) on XX/XX/2019. Upon refinancing, I calculated the totals funds owed ( overages ) from Flagstar Bank as {$5700.00} remaining escrow balance and final XX/XX/2019 mortgage payment.

- XX/XX/2019 : Mortgage balance paid and transferred from Flagstar to XXXX  XXXX.

- XX/XX/2019 : Email below was sent to the escrow/property tax department at Flagstar Bank, with a fair 30-day notice to refund all overages as required by law : - Subject : " Please refund mortgage payoff overages no later than XX/XX/19 '' From : [ my email address ] XXXX   XX/XX/2019 XXXX XXXX To : property.tax.requests@flagstar.com <property.tax.requests@flagstar.com> " Dear Flagstar Bank, In reference to my previous Flagstar mortgage loan number XXXX, that was paid off due to refinancing from XXXX XXXX XXXX onXX/XX/19 , I show the following amounts outstanding : Tax escrow balance : {$1200.00} ( as of XX/XX/19 statement ) Principal balance after payoff : {$2400.00} ( Difference of {$280000.00} payoff amount minus {$270000.00} outstanding principal as of XX/XX/19 ) Final mortgage payment of {$2100.00} ( paid XX/XX/19 ) TOTAL AMOUNT DUE : {$5700.00} Please refund these amounts no later than 30 days after payoff ( XX/XX/19 ), as required by law.

Sincerely, [ My name/my address ] '' - XX/XX/2019 : Received and deposited a check from Flagstar Bank for payment of escrow overage mailed from Flagstar Bank for {$3300.00} ( check was dated XX/XX/2019 ). Remaining balance owed at this time : {$2400.00}.

- XX/XX/2019 : 30-day deadline to return all funds owed/overages as required by law. No response from Flagstar since email notice above on XX/XX/2019. No additional funds received in mail ( balance owed : {$2400.00} ). Called customer service number at Flagstar Bank only to be put on infinite hold. Customer service chat tool disabled on website.

- If owed this much on a bank loan or mortgage website, wouldn't I be expected to pay late fees/penalties? Interesting.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: OH
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Enhanced Recovery Company and requested they validate the debt pursuant to The Fair Credit Reporting Act and The Fair Debt Collections Act, Enhanced Recovery Collections never validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ERC
State: CA
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:
Hello, I filed a complaint here with the FTC/CFPB for XXXX   XXXX XXXX. They collect on behalf of XXXX XXXX. They put a collection on my credit report for {$100.00} I never in my life have had XXXX XXXX EVER. My father is XXXX XXXX XXXX He has XXXX XXXX. Not myself.I called XXXX  my father did as well. They confirmed that it is his NOT MINE. We asked them to remove the collections, they said they would off my report ( XXXX XXXX XXXX ) They have not. 

I checked the status of my dispute here online and their legal dept said the social matches mine - this is FALSE a blatant lie and my father confirmed on the phone it was his and NOT mine. This is a lie by their legal dept. XXXXTo make matters worse they sold the debt to XXXX XXXX   XXXX/XXXX  XXXX XXXX They keep trying to collect and reselling on an account that has NEVER been mine. I have NEVER enrolled or even applied to XXXX XXXX. 
THey show 2 numbers on my credit report under creditors heading XXXX XXXX I let them know of the situation they said to go back to XXXX. I called XXXX they said they don't have it anymore and denied that they spoke to my father and I before. I then called XXXX XXXX XXXX they said it was sold to another creditor being XXXX XXXX. 

My scores dropped from mid 750 's all 3 down to mid 650's.I am very angry and frustrated at the lies XXXX - XXXX XXXX and XXXX all have colluded in. 
How can they keep doing this? Selling my information/debt that is not mine? 

I have the credit reports to prove it and show matching amounts. 

Thank You XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On the morning of XXXX, I applied for an online loan from upstart loans. I was told I had been approved for a loan in the amount of XXXX XXXX dollars, but I would have to buy a XXXX XXXX card to send them XXXX dollars for the first payment in XXXX, and my next payment would not be due until XXXX. I looked them up online, and they seemed to have good reviews, so i sent them XXXX dollars. I was told by the agent, XXXX XXXX ( XXXX ) that the company went through XXXX  XXXX XXXX and they would deposit the funds into my account in 15 minutes.I waited for about four hours, and called her back. she told me that XXXX  XXXX XXXX needed me to send them XXXX more dollars that would be refunded back to me once the loan went into my account. I explained that If I had XXXX XXXX more, I would not have applied for a loan in the first place, and since this was not explained to me, I would just like to cancel my loan request. She apologized for not explaining that part to me, and said my XXXX would be refunded to my account. This morning I called several times and finally was connected with a XXXX XXXX. He proceeded to tell me he apologized for me not being told about the XXXX dollars, but they needed me to send the XXXX XXXX and XXXX XXXX XXXX would tranfer the funds into my account. I explained that I did not have XXXX XXXX and I would appreciate if he would reimburse my XXXX dollars. He went on to say that upper management would not allow that because they had already contacted XXXX XXXX XXXX and the process was already in play. He went on to apologize for the lack of explaining that I would have to come up with more money to get their loan. He said that he had tried to pay XXXX  XXXX XXXX the XXXX XXXX, but that for security reasons, I had to come up with the money. we went back and forth on the issue of my refund they promised to put back into my account. I finally told him that I would look into this further and hung up. I then called XXXX XXXX XXXX. I talked to the fraud department who looked up XXXX XXXX and told me that they were competitors, and didn't work with this company. So I decided to write this letter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Navient Student loan # XXXX  reported my account late in XXXX  2011. I requested validation of this information to verify their reporting and have not received any details or validity.

To my knowledge any data furnisher must advise you for any negative reporting prior to reporting and i have never received any email or mail stating the possible negative reporting.

Also this information is NOT true and NOT or NEVER been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I paid the balance in full of {$66.00}. They also mentioned they would remove this debt from my XXXX XXXX credit report within 30-45 days. This never happened, and I have just noticed that one year later it is still on my credit report report reporting as an unpaid collection. Please, remove this debt immediately off of my credit report since this is what they promised me. I spoke with XXXX XXXX at XXXX on XX/XX/2018.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Midwest Recovery Systems
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: Old information reappears or never goes away

Complaint:
XXXX XXXX claims that I overdrew a savings account and have reported it to the credit bureaus as of XX/XX/2019. I did have an account but did not overdraw it and the account was closed more than 7 years ago. I have disputed it but they will not remove as they say that it is correct. I believe that it should be removed because of the time frame when the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company First Credit Services XXXX XXXX XXXX is on my credit report. I dont know anything about this debt from this company. Where did this come from? Who are these people?? The amount they say I owe is {$800.00}. I am a victim of Identity theft. I recently froze my account with all three of the credit agencies. My social security and Identification was stole a year ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Tried close online says to send letter, send letter to close since didnt agree to new fee they added when changed account type on their own. Account still not closed month later while they try to accumulate fees for account type they changed to

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 monetary relief
Consumer complaint received 2019-02-12
Company: Navient Solutions, LLC.
State: GA
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 made several attempts to verify and validate the debt and it was unsuccessful. The information is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws as its adversely affecting my credit and score and my opportunity to be approved for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was terminated from my employer XXXX. The very next day I called my mortgage company PNC Mortgage to apply for Hardship Assistance and spoke with someone in the Loss Mitigation Dept. The HA paperwork was sent out to me and I completed it EXACTLY as instructed and after a few weeks, was told that I had been approved for a forbearance via mail. I was given a five month period to pay $ XXXX/month based on unemployment benefits and my previous income with my last month being XX/XX/XXXX. I remitted my XXXX payment only to have it returned in the form of a check in the amount of {$25.00} which included the previous months. I was told by a customer service rep that I am in arrearages of {$1900.00} + inspection fees of {$5.00}. The inspection is an unknown person surveilling my home to confirm residency. I have received numerous calls and letters teetering on harassment and the month of XXXX isn't even over yet! PNC backpeddles on their policies and they would not let me a establish a reasonable payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I took over a car lease from Ally Financial and made all regular payments to the end. 
On XX/XX/15 I called to extend the lease for one month & got confirmation no. XXXX. 

I received the lease extension agreement dated XX/XX/2015 which I signed and sent back with a check # XXXX. So I returned the car on time with in the allowed millage. 
After receiving a bill for extra $ 1300plus I called Ally and was told that they did not receive my check and that they did not extend the lease because of that. But I was told to send in a replacement check which I did check # XXXX for {$460.00} and then they would clear things up to XXXX balance. 
They cashed my check but, never credited the account. Since then I have proved my case to three different agents/managers with copies of all document and each one accepted the facts and promised to fix it and notting ever happened. 
This had been on credit for all this time I have disputed it however it's still on my record. 
This is not fair business practice and I'm sure against the law.

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 2019-03-20
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and out of no where I have this collection in my report from " Midwest Recovery Sys '' opened XX/XX/2019 for {$1400.00}. I have never had any business of any kind or service with this company. I do not recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX  they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX with no response.

There was a lot of errors with XXXX  on this account and as yet to be settle.

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 2019-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My chase account XXXX was fraudulently debited from a company i have never done any type of bussiness called XXXX XXXX chase refuses to credit my account ive sent of copy of police report too them they still refuse too help me.

Company response to consumer: Closed with explanation