BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: AES/PHEAA
State: MI
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 was switched to XXXX XXXX from XXXX ( much better loan servicer ) because I applied for the Public Service Loan Forgiveness. They are refusing to count my over 7 years of public service for a non-profit. In talking to them they said it was because I paid too much ( I rounded up may payments to the nearest dollar ) and that I paid to far in advance ( I sent the check from my bank on the 15th of every month - I was being paid bi-monthly ). I talked to them 4 months ago and asked for the record of my payments so I can track them and see what they didn't count - I was told I would have the record in 7 -14 days. I have received no record to date. I also asked to have it reviewed, they said they would, but to date I have had not other response from them. Then I get a notice from them that I need to re-certify my loan repayment by XX/XX/XXXX. my loan plan was good through XX/XX/XXXX. I asked them why and only received a short email stating that it takes time to process. Well that was a lie, because I processed it after the date and have already received a massive increase ( in relation to a modest pay raise, actually it the increase will negate all of the pay raise plus ) - which in reading up on them seems to be their MO. XXXX XXXX XXXX I have no files to upload since I can't seem to get them to follow through on their promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX continues to list improper information on my credit report. I have never had a loan with them, have never had a loan transferred to them, and have had extensive telephonic recordings and emails related to their illegal and fraudulent actions. I am getting ready to sue them in District Court in  California for {$20.00} XXXX dollars, if this is not fixed immediately. I will not wait more than thirty days. This has been an ongoing process, and throughout the duration, they have created two fake Master Promissory Notes, released my information to a scamming private, third-party debt collection agency, called XXXX XXXX XXXX , XXXX, and lied about being XXXX XXXX, which is a non-existent company. They have engaged in identity theft and fraud, and I do not want their name on my credit report. I have had no contracts with them and have not engaged in any business with them. Further, I did not have student loans. In addition, the information listed is absolutely impossible ( PDF copy included ). XXXX claims that I have a loan originated in XX/XX/XXXX and another originated in XX/XX/XXXX. I was not in college in XXXX, and as I'm sure you can imagine,  most colleges don't begin in XXXX. The loan amounts exceed Federal Loan Maximums, and would have been processed as one loan, not two. Everything they've done is wrong. I expect this to be removed immediately, and I intend to exercise my legal rights and sue them to make that happen.

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 2021-07-08
Company: OneMain Finance Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 around XXXX XXXX XXXX I received few alert emails from XXXX XXXX  mentioning there is an inquiry and the change to my credit report. This is very suspicious as I did not need to apply for any loans at the moment. I logged in to XXXX and found there is a Hard Inquiry from ONEMAIN Address : XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX. I called the number and I was asked to provide my phone number but my number did not match to the application on file. Then I was asked to provide the XXXX, they found it and locate the loan went to One Main Financial address in XXXX XXXX XXXX, XXXX, NM. They then connect me to the loan officer, they have verified the email address and the Phone number provided did not match mine. The phone number on the application start with XXXX are code and last XXXX is XXXX, also the email was a gmail account. They have assured me that in this case someone had used my XXXX for the loan and they have stopped from processing the loan and assured me that there will be no money approved for this loan. I have also clarified that this has never happened before, and I had a XXXX XXXX XXXX against my XXXX  when this issue occurred. Highly suspected that this must have been done by someone who knew my XXXX but I have no proof. They had advised me to freeze the credit report from all XXXX credit bureaus, to make sure similar issue will not happen again. I have done everything they suggested me to do, and have also file a dispute to XXXX to have this Inquiry remove, but this is still in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: DC
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:
I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX made a {$140.00} purchase through XXXX. Loan expiration was XX/XX/XXXX. This was an EQUAL PAYMENT NO INTEREST loan. All payments were to be calculated by Synchrony IN FULL. Automatic payment of {$830.00} was made on XX/XX/XXXX. The {$140.00} loan was to have been paid off. It was NOT! {$2.00} remained. Synchrony online posts this warning : " Promo Alert : You have a promotional purchase that will expire within the next 30 days. '' This alert is NOT sent via email or phone call or text. I called XXXX and spoke with XXXX. He had a series of excuses that implied it was the system and that I was liable. He said he could take the {$2.00} payment information from my debit or credit card. I advised him that I was contacting XXXX management and the CFPB over this repeated deceptive and fraudulent practice of cheating customers. I have manually made the {$2.00} payment online however I have no confidence that Synchrony will even apply that payment to the balance. XXXX management are investigating. This has been a repeat complaint. I have advised XXXX management once again to seek other more honest financing options than Synchrony such as XXXX. Why is it that the CFPB allows Synchrony to continue with this type of fraud and deception?

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 2018-08-08
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended the University XXXX XXXX and opened a loan from EDFINANCIAL to pay part of my school bill at the time on XX/XX/2015 and right now its at its wort payment status with a balance of {$6700.00} and it is affecting my credit i need it off of my account before things get worse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I always try to shop and sell online using Paypal. I found it to be most secure. I sold a product, the person received the product, and sent me a payment for it. Paypal decided to " hold the funds '' this has been going on for 3 days. I have contacted the recipient, and was told that they don't even have the option to click the " verify transaction '' button so that my funds can be released. Paypal charges fees for all transactions not sent to family and friends. They took their fee out, but I still have no access to my funds. If the money is " on hold '' why would they get paid for the service and I don't. The recipient has the product, Paypal has their payment, but I don't have my funds. I have tried to call Paypal for 2 days and the line hangs up after telling me they can't take my call. So what am I supposed to do when my bills are due and this billion dollar corporation is holding my funds, but won't answer my calls?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018, 60 days late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against Experian and XXXX  is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my Experian and XXXX reports immediately and that I am provided a copy of the updated reports for my records.

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 2018-02-22
Company: GREAT LAKES
State: RI
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 was told that my loans were in the Public Service Loan Forgiveness program. I was told by an agent named XXXX XXXX at Great Lakes on XX/XX/2011 that " If you were quoted a standard payment plan for 30 years, I can use it and after 10 years the balance is forgiven ''. This was wrong information. I paid {$760.00} for 4 years. My account was then switched to XXXX and I found out that my payments were not considered part of the PSLF program and that the loans were ever qualified for it. I then had my loans switched to XXXX XXXX and am now in the correct payment and program. I have asked to be credited the time paid towards by 120 payments over 10 years but have not been able to do so. Great lakes gave intentionally gave me bad information and is not held accountable. I should be done with 6 years of payments but now still have 8 more to go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Saturday XX/XX/2018 I was on XXXX seeking information on an home loan rate. I had been pre-approved by a mortgage lender and was trying to determine how competitive his rate was. I was lead to believe from the information listed on the site that the result would be the days mortgage rate listed for different mortgage lenders. My purpose on the XXXX was simply to rate a rate quote for a home loan. I had no intentions of applying for a loan with them or any of their affiliated lenders. 

I later received a notification from a credit monitoring service that I had a new credit inquiry from an auto lender ( roadloans.com ) which is a division of XXXX XXXX. I in no way had any interest or desire to apply for an auto loan. 


I attempted to resolve the issue with both XXXX   and XXXX and was told by their employees that simply by clicking a butting on their site I was applying for an auto loan and could be matched with up to five lenders. After informing both sites that I was not made expressly aware of the fact that I was making an auto application, I was told that their disclosures on listed on the site and it was my fault that I did not read. 
There is nothing in the click stream that I followed that expressly or otherwise communicated to me that I was applying for an auto loan and that application would result in a credit inquiry. The site is created in such a way that leads the consumer to believer that they are simply answering questions for information sake. I was completely unaware that by answering some questions on XXXX to receive a mortgage quote I could be applying for an auto loan. 

It is my belief that their practices are extremely deceptive and unfair to customers. They should make it explicitly known that the customer is applying for credit and require an explicit acknowledgement from the customer to that fact.

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 2021-06-09
Company: Ocwen Financial Corporation
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in forbearance and my mortgage was with HUD from XX/XX/XXXX until it was sold to Ocwen FSB on XX/XX/XXXX with a Principal Balance of {$24.00}, XXXX. Payments were made to Ocwen FSB until the Principal Balance of {$5400.00} was transferred to PHH Mortgage on XX/XX/XXXX. On XX/XX/XXXX XXXX Mortgage increased the principal balance to {$10000.00}. Over several telephone calls between XX/XX/XXXX and the current date attempts have been made to find out why PHH has charged unnecessary fees totaling {$4800.00} for appraisals, inspections, certified mail and bankruptcy all of which never happened. PHH Mortgage also is claiming there is deferred interest in the amount of {$4700.00} of which only appeared once PHH acquired to servicing. During the transfer from Ocwen to PHH my XX/XX/XXXX payment was paid to Ocwen and PHH charged a {$690.00} Late Charge claiming the payment was not timely. PHH has been paid the principal balance, claims I owe a second and refuses to properly apply any payments made nor can I make payments online. I have two ( 2 ) separate detailed payments histories provided by PHH that goes back to when HUD serviced the mortgage and both are completely different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX sent credit card bill to wrong address. 
Even though they received bill back in mail as undeliverable they never tried to contact me by other means such as : my home address, telephone number, and E-mail address that they had on file. 
This account was sold to XXXX XXXX on or about XX/XX/2018. 
This account was settled with Citi Bank on XX/XX/2018 after they called me by phone. 
XXXX XXXX XXXX reported to TransUnion as adverse account with incorrect address. 
When i called XXXX about correcting this problem they told me the account was sold and they had no records and could not help me. 
When i called XXXX XXXX they said it was not their report and i must work with XXXX XXXX who must have records. 
Someone is obviously lying.

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 2018-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I bought a house that closed on XX/XX/XXXX - loan was with Wells Fargo Home Loans. On XX/XX/XXXX I received a letter stating that my closing documents were revised - not to worry because nothing would change in regards to the terms ( length of loan or monthly payment ). In my opinion it was extremely misleading. I contacted the number ( XX/XX/XXXX ) listed on the letter to inquire about the change. After escalation to the Executive Office, XXXX XXXX, contacted me on XX/XX/XXXX. It was at this time she stated a case would be opened in regards to my questions/concerns. My concerns were as follows. One - why were the documents revised without consulting me prior to the change? Two - what changes were actually made? Since XXXX wasn't willing to verbally disclose what changes were made I formally requested a copy of the Document that was revised. Unfortunately, as of XX/XX/XXXX she or her office hasn't complied with that request. I took matters in my own hands and went into a Wells Fargo Bank Location and voiced my frustration - a banker was able to help me with my request. As frustration mounted I tried to contact someone else within the organization - I was told XXXX was at the highest level and she would be dealing with my case. XXXX continues to with extensions in increments of 10 business days. Fast forward to XX/XX/XXXX - XXXX contacted me once again extending the resolution date to XX/XX/XXXX. I expressed my discomfort stating, " Wells Fargo had the obligation to have a resolution closed by XX/XX/XXXX according to Federal Regulations ''. She stated, " this is a very complicated matter that needs to be addressed by many departments ''. I requested to speak to her supervisor - was told she would relay the message ( no contact with that individual as of today XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX again extending the closure date to XX/XX/XXXX. I again asked to speak to a supervisor but was denied - told the message would be relayed. In my opinion 3 month should be plenty of time. In closing, it took 1.5 days for me to figure out for myself I was overcharged on multiple lines. I did express this to XXXX on many occasions. At some point enough is enough. Wells Fargo has took to the media stating that they were reborn again in XX/XX/XXXX - it's nothing but lies.

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 2019-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a business account with wellsfargo I was not paying or signed up for XXXX access on that account ( XXXX has no record of any such connection so it's all Well Fargo fees ). I closed the empty account in XX/XX/XXXX.

In XX/XX/XXXX, I open a personal account. I come to find out I have been being charged XXXX a month for a service I never requested and the reasoning is an email I found in my simply reading : " Dear **** *******, We have changed the billing account for your XXXX ( R ) or XXXX ( R ) service billing account to the account ending with the numbers XXXX.

If you have any questions regarding this change, please contact us at XXXX for more information. We are available to assist you XXXX XXXX to XXXX XXXX XXXX XXXX, Sunday through Saturday.

Sincerely, XXXX XXXX Senior Vice President '' I NEVER had this service and even if I would have had this service years ago, I never authorized Wells Fargo to randomly, months later grab and link a new personal account ( associated with my SSN ) with a business account ( associated with an EIN ) based on my name alone and without any warning or request for permission.

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