BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: AES/PHEAA
State: TX
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:
I repeatedly requested American Education Services ( AES ) to apply additional payment amounts to the principle and they refuse, always assigned the supplementary payment to " pay ahead '' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/17 I filed a dispute with my credit card company ( Chase VISA ) for an online purchase made on XX/XX/17. Chase VISA kept closing the dispute even though it wasn't resolved, acting upon misinformation from the vendor. When I called to discuss and provide necessary documentation, they advised me to " reopen '' another dispute. I did so four ( 4 ) times. Since my written disputes weren't getting reviewed, I attempted a phone resolution many times with many CHASE associates ( most of which had foreign accents ). I became very frustrated with their service and visited my local CHASE branch to seek assistance. The branch manager " escalated '' the matter, only to then discover it was past the time it could be disputed - due to Chase VISA failing to research, discuss and act upon the original dispute dated XX/XX/17 as well as the many follow-up ( re-opened ) disputes. This was no fault of my own and CHASE must take responsibility for their failure to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.

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 2019-02-08
Company: AES/PHEAA
State: VT
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 am a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, VT and have been since XX/XX/XXXX. As a XXXX, I enrolled in the Public Loan Service Forgiveness Program and began making payments that qualified my student loans for forgiveness in early XX/XX/XXXX. My loans were transferred two times and have been serviced since XX/XX/XXXX by XXXX XXXX. In XX/XX/XXXX, I began to file the Employment Certification Form annually as I have worked in a qualifying school district since XX/XX/XXXX. 

The reason Im writing is because XXXX XXXX has had, per my request, my account under review since XX/XX/XXXX. It has been 18 months since then. Currently, I have 15 months of payments that are not counting toward the required 120 months of payments to loan forgiveness. I have documentation to prove XXXX XXXX received payment these months. I have called them regularly, and documented these phone calls, and every time I call they tell me they have no idea of when my account will be reviewed. I called them today requesting my full account history with all the details of the phone calls. I was advised that I was not allowed that information. 

Im writing to your office to inform you and your staff that there are serious problems with XXXX XXXX. The people answering the phones are always professional, but give out advice that is not accurate and state they will submit requests that I later discover with a future phone call were erroneously submitted or not submitted at all. As someone who has diligently followed this process and educated myself on the PSLF requirements, Im concerned XXXX XXXX is not able to accurately review my loans and submit documentation to the Department of Education once 120 qualifying payments have been made. 

While Im certainly concerned about myself, Im more concerned about my fellow teachers and public service professionals. I am aware not everyone has the same level of understanding of the PSLF requirements that I do nor the resolve to keep in regular contact with XXXX XXXX to double check everything they say they are going to do. Many people are basing their futures on having their loans forgiven, when that may not be the case due to errors caused by XXXX XXXX. I am particularly concerned that XXXX XXXX refused to release my account history to me and is consistently not able to provide clear and understandable information to help public servants meet the complex criteria of the program. 

I appreciate any support you and your office staff are able to give to myself and more importantly, public servants throughout the country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed Chapter XXXX Bankruptcy on XX/XX/XXXX to save my home and the criminal Attorneys informed the Court that I was late on my post-petition payments which is a lie, misrepresentation, and fraud on the Court. I made all my post-petition payments as agreed and the Chapter XXXX Trustee made all the pre-petition payments as agreed to XXXX XXXX XXXX, XXXX, acting as alleged Trustee, while Caliber Home Loans claims to be the Servicer, and acting as Attorney in fact. The XXXX Law Firm handling this failed to present the evidence to the Court at a hearing on XX/XX/XXXX. I spoke with XXXXaliber Home Loans directly, in both departments Customer Service, and the  Bankruptcy Department and they admitted that they make a mistake and would update the account and send me an updated payment history for post-petition payments and they have still not done so. I would like the CFPB to investigate and refer this fraud to the FBI immediately. They purposely hid all the payments made from the Court in order to lift the automatic stay and try to steal the home of my XXXX and XXXX year old parents and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Due to the pandemic I was laid from my job. I contacted Capital One to let them know and they offered me no assistance due to the CARES ACT. I tried to make my payments with the little money that I had and my account was hacked and my money was taken from my account. I contacted Capital One and told them that my money was stolen from my account and the payment couldn't be made. Once I received the money back from my back I made an immediate payment to restore my good credit. Good credit is very important as you can see I was never late before the pandemic happened. I have been on the phone with Capital One constantly to reclaim my perfect payment history but no one seems to help. This is frustrating as this is not the fault of mine but due to the entire country shutting down without any warning. I am a very good consumer and I would love to be seen as that not as a late paying consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I became aware of fraud on my Chase Bank checking account in XXXX of 2017. I went to them, filed and complaint, closed the affected account, and moved on. The banker misfiled the charges, and I returned in XXXX to rectify the situation. My second banker, XXXX, and I, were lied to almost constantly by everyone we contacted. I had to switch accounts yet again, and and Chase Bank stole {$400.00} additional dollars from my paychecks due to " debits due to dispute '' that did not exist, as they never issued me a check to credit the fraudulent amounts. When we contacted them in regards to this, they would promise to overnight the check, but the check never arrived, and we were eventually told, never even issued. They then closed my account due to " suspicion of fraud '' after I had FILED THE FRAUD CLAIM WITH THEM TWICE, AFTER WHICH THEY IGNORED ME. 
Because of the {$2000.00} I lost to fraud I nearly lost my apartment due to the inability to pay rent, and to make matters worse, Chase took an additional {$400.00}, after doing absolutely nothing to alleviate or address the situation. Horrible and horrific banking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: PA
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:
Experian continues to allow a charge off or negative account info over a account that is erroneous and factually incorrect, in XXXX I disclosed and sent fraud forms signed and notarized to XXXX XXXX XXXX..over purchases made on my prior credit account with XXXX, I did not purchase the tires and disputed it, they closed account ..then last year reported it as a charge off ... when I never purchased anything personally, nor do they have my signature of it ... Experian continues to list this , even though XXXX XXXX and XXXX have both removed it  ... thus low balling my credit fiche score ... almos 100 points below both above stated, my score is XXXX XXXX XXXX, XXXX XXXX reflectively ... Experian has me at XXXX XXXX Very low for my excellent record ... they also have no customer support, they do not answer phone, and hang up ... after you await transfer ... total scam

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 2021-12-08
Company: PNC Bank N.A.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: CO
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:
When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/XXXX that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.

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 2018-01-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good Evening, My identity is at risk. I 'm a veteran that 's going through a tough time and needed my credit repaired. A guy offered his services to me and seemed like an actual business ( business websites, XXXX videos and other social media 's outlets ). I paid for the service of {$750.00} ( XX/XX/XXXX ) and followed his instructions to place a " freeze '' on my credit ( XXXX XXXX, XXXX, XXXX and etc ) and never heard from him again with no results. So I called my bank ( Navy Federal Credit Union ) on XX/XX/XXXX and asked if the bank would look into situation and they said they could not help. Then, I called the companies mentioned to have the " freeze '' removed and ask about how to submit a fraud alert to credit bureaus and later that same day the guy texts me saying I should see results soon. I 'm thinking since he 'd my information and probably could see if I removed the freeze at anytime, that would signaled him to start his next phase of fraudulence to contact me to keep me calm. 

I have all the texts and information I sent him, his name, email, phone number, business name and bank information ( but I would not be surprised if he changed all of 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 2018-01-18
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
OnXX/XX/XXXX my student loan service was transferred to AES. Previously my loan servicer was XXXX. My XXXX bill was paid electronically to XXXX ( {$300.00} amount ) and cleared thru my bank on XX/XX/XXXX. My loan was transferred to AES as stated much earlier, XX/XX/XXXX. My account was then handled by AES and I also paid them {$300.00} for XXXX.bill, not realizing at the time that XXXX cashed my payment, 2 weeks later. I have called XXXX  many times and they told me they would be forwarding the {$300.00} to AES which apparently has n't happened. AES has denied seeing any additional payment. Both companies will not tell me what happened to my additional payment of {$300.00}. I have called both companies and both tell me to call the other. XXXX has been adamant in saying they they transferred funds but it has n't happened. And they have been somewhat hostile with my questions. Any info would be helpful. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: EQUIFAX, 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:
My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : 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 2021-09-08
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
suntrust bank and bb & t merged to become truist .and with that being said ive been a costumer at suntrust foach month have done this for yearsr over 11 years..with this being said my transfers from one bank account to another has always been instantaneously. with that being said i seen that my checking account was low for my insurance to hit i went to my second account and transferred XXXX dollars on XX/XX/2021 so i thought no more about it.the next morning when it hit. i was over drawn..i immediately called the bank where i had to talk to a supervisor and i was told that its up to the merchant..so as i was concerned why i had more the 12 accounts that was pending. mostly my home bills. after me disagreeing with the manager and i told them this is deceptive practices that it was done to make sure i was overdrawn that why wasnt my money transferred instantaneously. oh that dont happen.at any rate now im being held hostage to the bank for thier actions... now on XX/XX/2021 i check my account and they redeposited my XXXX dollars back to the original account which i have never deposited money into before.under penalty of purger y ... my sons money is being held hostage for their actions not mine.yes i was angry im 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 monetary relief
Consumer complaint received 2019-02-08
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I'm being charged an " adjustment '' on my student loans after I paid them off XX/XX/XXXX ( paying off a balance of {$4700.00} ) After receiving SEVERAL confirmation emails congratulating me on paying my student loans and over 3 years ( XX/XX/XXXX ), I suddenly received a notification from Navient telling me I had two balances on my account. I called them immediately to ask about this and they said they would investigate. No one got back to me. 

I followed up today since I had this flagged in my email and Navient keeps emailing to pay this new balance. A Navient customer service rep told me to check this special inbox I never had seen before in my account that has this letter : " XXXXX, the response to your recent student loan account request can be seen below. 
Your loans were previously paid in full. However, due to adjustments made to the account on XX/XX/XXXX, requested by the Department of Education ( XXXX XXXX XXXX XXXX ), a balance was placed back on the loans. You will need to contact them regarding this adjustment. 

You can reach them at XXXX. We apologize for the confusion. 
Were here to help Were happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about your account, visit us online or give us a call. '' The rep told me this is a U.S. Department of Education issue and that I need to call them. 
-- -- -- - I call the 1-800 number to the U.S. Department of Education and speak with XXXX ( ID XXXX ) and she discovers that I'm not even in their system. They can't even find me with my social security number. She suggests then I be connected to the Loan Default department to see if my loans went into default. I waited another 30 minutes on hold and was connected to XXXX ( ID # XXXX ) who also says I can't be found in their system and that my loan is serviced through Navient. And that I need to contact them. She also suggested I send physical proof of all correspondence about my paid off loans to this address : " US Department of Education XXXX XXXX XXXX XXXX Texas XXXX '' She said it would probably take 8 weeks to hear anything back. I'm really frustrated and dismayed with both Navient and the U.S. Department of Education on how my loans were handled. 

I also just tried calling Navient again and they won't connect me to customer service after being put on hold at least 3 times and waiting about 2 hours while I'm watching my small children at home. 

As you might tell, I'm pretty upset and disturbed by all this. It feels like no one is taking the blame for the matter and Navient is trying to charge me after 3+ years. It really makes me concerned that they are doing this with other individuals who have loans serviced by them. 

Does it seem fishy that I am now being charged {$230.00} after paying off my loans in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a capital one card paid it off they shut down my account after 4 mouth of paying everything in full when they closed my account they told me that they closed it for not using the card correct and that they had to send me a check for XXXX dollars I over paid then come two months later and the check never came I called them they told me my account was paid in full and just wait for your check but instead of getting a check I got a bill with fake statement that read I owed them 700 plus dollars and when I compared the two it was not the same all my payments were returned .how can that be after 6mounths there's no way an ACH payment can be returned after that long of time I would have had that on the time they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. 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, XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX. I am doing this own my own behalf and have contacted my police and the FTC.

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 2021-12-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them. 
XXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account

Company response to consumer: Closed with explanation