BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-07
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To whom it may concern ; FedLoan Servicing dropped the ball on including XXXX loans in my original consolidation in 2014. I make my payments each month on time, in fact early. Now I will be garnished by the Michigan XXXX XXXX within 24 hours for a negligence that is not my fault. My credit has been compromised ; I was denied the ability to purchase a vehicle due to this issue. I 've never defaulted on any of my student loans. I did everything I was supposed to do. I can not believe this is happening to me and family. I am being penalized and garnished for this company 's mistake. I 've been calling FedLoan Servicing for 9 months trying to get this matter resolved and have received no help. I contacted the US Department of Education Ombudsman Group for help and I have not received a response from XXXX XXXX ( XXXX ) XXXX who is working my case in weeks. No one will help me. Please can someone contact me today ... .I desperately need your help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: MIDFIRST BANK
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a request for a modification on XXXX XXXX, 2016 for review. At this time I was XXXX months delinquent on my mortgage. They reviewed my package and determined that I was eligible for a repayment agreement which would hold any foreclosure action. They offered me the agreement on XXXX XXXX, 2016 which I promptly accepted and returned XXXX XXXX, 2016. 

On XXXX XXXX, XXXX Midland Mortgage filed a foreclosure action against me after executing a repayment agreement.

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 2016-08-30
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I took out private student loans for graduate school through XXXX, serviced through American Education Services ( AES ). I do have a full-time job in my field of study. However, I have had financial difficulties arising from a stagnant salary and no cost-of-living raises in 9 years since graduation. AES offers only time-limited alternative repayment options, i.e. six months to a year of forbearance, or three months of reduced payments ). Once you use those up, as I have, they offer no further options, or so they claim. I am told that I have no forbearance or deferment possibilities left, as these are private loans and AES is not legally required to provide more options. My attempts to explain my financial situation and explore other options fall on deaf ears. I am currently only 2 months behind payments, yet my account has already been sent to a debt collector. Consequently, my credit score in barely above XXXX. ( My account has been in collection before, at least 5 times in as many years ). " Customer Service Representatives '' either can not or will not help ; are often rude, and often give out false or misleading information. I once complained to AES about their daily phone calls, to which the CSR snapped, and I quote, " Then pay your bills, sir! '' Attempts to speak with a supervisor are met with evasion, being put on hold for 20 minutes, then cut off. I receive daily phone calls from both AES and the debt collection agency, which I have given up answering since they refuse to work with you or offer other options. ( I strongly suspect other options are actually available but AES will not admit to or inform customers about them ). Even if you submit partial " good faith payments '' ( AES 's term ), they STILL badger you by phone, email, and snail mail. I am at my wits end, and have had no luck finding anyone who will help me consolidate my private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We went to a local non-attached ATM at a local bank to put money in that we were saving for a week. We put a stack of {$20.00} bills into the ATM. The ATM ate some of the money and sent out a piece of paper telling us to call a number. We deposited the money that the ATM spit out and got a receipt for that money. The money is question is {$380.00}! We called the XXXX number. They put a temporary credit on the account for {$380.00}. That money was removed by the bank a month later. We went to the bank manager to see what could be done. We were supposed to be getting a call back about this matter. We waited a week because we received no call back. The bank manager said that he could not help us because there was no overage from the third party that runs the ATM nor from the bank. We went to the branch on XXXX XXXX where they know us by sight. The agent there made a complaint about the bank manager in the branch that we went to. She also found that although we had changed the address on the bank web site the change of address had not gone through and we were told to never change the address on line because it dos not work correctly. We were at a gas station low on gas when he bank card did no work due to the credit reversal. That is how we found out that the bank took their credit of our money back. The bank sent us paperwork to a P.O. Box that we had closed awhile back. We had to take a loan out to cover our bank account at that point. We received a rebuttal form in the mail and we called the bank about this matter again today. We were told that this could take 45 days if this gets approved. Where is our money?

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 2015-12-18
Company: National Enterprise Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving several calls a day from National Enterprise Systems to collect a debt for a name I do not know. I have repeatedly told them that they have the wrong number and was assured that my number was being removed from the list, but am still receiving several calls a day. These calls are to my place of work, and present a frequent distraction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SunTrust mortgage violated court order and illegally evicted my family from our home with no notice.

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 2016-12-23
Company: Community Health Investment Company, LLC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX In has repeatedly sent me collection notices about an unpaid debt. I wrote to them that I disputed the validity of the debt, as insurance had paid. They responded with a print out of what was owed on the date I went to the hospital, stating only state it is valid. 

It is not valid. They sent me notice less than thirty days after my hospital visit. My insurance has covered this and this company is already affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. my insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. the hospital then sent the bill to collections. I notified them in XXXX 2016 that the bill was incorrect.I have maintained contact with them and have been attempting to resolve the issue. In XXXX, my credit score was XXXX, currently it is XXXX over {$100.00}.

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 2016-08-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX shows on my EXPERIAN credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX XXXX Bank of the error in the Experian Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 

Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.

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 2017-03-16
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe any medical bill in this amount, this is inaccurate. My health care insurance pays it. Inaccurate data disputed and never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I checked my credit alert and found a hard inquiry from EMS XXXX Equifax Mortgage Services XXXX. I tried to call this business and it is listed as closed. I have hard inquiry on my credit report as recent as XXXX/XXXX/15. I am afraid this could be an attempt of identity theft. The phone number provided is not working. I tried to look for another phone number. Here is the company info EMS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband filed Chapter XXXX, which was discharged in XXXX 2015. XXXX, XXXX was contacted by trustee, but did not respond. We have tried to get them to correct our credit reports ( this debt was fully discharged ). They continue to misreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus shows a deficit of {$1100.00} in an escrow account. Seterus has not made any payments for Insurance an taxes, so there should not be any activity in an escrow account Over {$2000.00} has not been applied to the mortgage balance. Monies are held in " suspense '' Late fees are being charged because payments are not being applied to my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received an updated credit report with corrections # XXXX also I received a full revised credit report # XXXX, however after carefully reviewing Equifax overlooked XXXX more inquires that need to be deleted due to them being unauthorized. 
1. XXXX XXXX XXXX Bank dated XXXX/XXXX/20142. XXXX XXXX dated XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing in response to Collection XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect. Henceforth I ask that this, be removed from my file with Immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
What I believe is a strategy to enforce the use of XXXX ( owned by XXXX ) I have requested my credit report from Equifax and XXXX and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
IN CFPB COMPLAINT # XXXX, IN THE " EXPLANATION OF CLOSURE '' EQUIFAX says '' the date closed was updated to XXXX and the date of last activity isshowing XXXX ... XXXX '' yet both are blank on the attached, named, subsequent report. 
In addition the actual payment amount and scheduled payment amount are reporting XXXXwhich is obviously erroneous.I allege XXXX details of reporting in an attemptto hide penalty fee violations of the XX/XX/XXXX CREDIT CARD ACT on this account. 
EQUIFAX according to FCRA IS NOT PERMITTED TO REPORT AN ACCOUNTthat is obviously erroneous and incomplete on the face of the record, regardlessof a creditors reporting.EQUIFAX LIED TO THE CFPB and the proof of that is attachedhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am complaining that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, of which by law, I have the right to request who they are " verifying ''. They are holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I reviewed my annual credit report with Equifax and i noticed that an old closed account in XXXX from XXXX XXXX bank still showing in my report. I 've contacted Equifax twice to get this account removed from my report since it has been well past 7 years. Others credit agencies like XXXX and XXXX have remvoed this account, but Equifax is refusing to do so. The keep claiming that " its reported correctly '' or " that it belongs to me '', i 'm not saying it did n't belong to me nor that its incorrect, what i 'm stating that it should be off my credit report at this point. I 've called them to ask if i was filling out the dispute correctly and made the additional comments and a XXXX of their representative said that i was. Their website does n't give you an option that says " remove account '' then state why ; their options are very vague and i do n't think it fits this purpose of taking off closed over 7 years accounts. Moreover, Equifax is claiming that the old credit grantor " XXXX XXXX bank XXXX '' has reported to them this information. However, when i called XXXX XXXX bank directly to XXXX numbers provided on my dispute, No one on XXXX XXXX was able to find out anything about this account - as if almost disappear from their records. I have to write to XXXX XXXX to get an investigation going because it 's such an old account opened in XXXX and closed in XXXX ; that makes me wonder where is Equifax getting their information from???? It seems very suspect to me, that my account is being reported to Equifax but when i call the credit grantor they ca n't find anything on MY account! 

Please help me investigate this issue and I 'll contact XXXX XXXX in writing as well. FYI all these phone calls are recorded and i can even tell you when i 've called XXXX XXXX and Equifax. 

Let me know what else would you need from me. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Northwest collectors reported a collection account to my credit report without notifying meof the debt. This is a violation of the FCRA. They did not perform any due diligence to findcorrect address information for me. As such, I never received any written notification of thisdebt and I did not have a chance to make a payment to it. This is stemming from anelectronic speeding ticket in XXXX. I never was aware of this ticket andhad no idea that I was issued a citation. No notifications were ever received from the XXXX XXXX or Northwest Collectors. 
When it was brought to my attention, I immediately paid the account. I was also assuredthat this will not do any damage to my credit score once it has been paid. This is completelyinaccurate and I was misled into thinking that this was a nonissuewith respect to mypersonal credit score. I have just recently discovered this and I am paying a very hefty priceas a result of this. 
How is it possible that I can not get my credit destroyed without any written notification of adebt and then once I do XXXX it, I pay the bill and am assured that my credit score is notgoing to be damaged. This turned out to be a blatant lie and a material misrepresentation of the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI, INC. contacted me about an XXXX account. I was told that if I paid the account it would be removed from my credit. After, I paid AFNI , INC, I was told that they do not remove the accounts from my credit. The AFNI reps lied to me on multiple occasions about deleting the account before I paid them. After I paid the AFNI rep told me that the account would not be deleted and that there was nothing that I could do about it. I reminded her of what she said before I paid and she hung up on me. When I call back everyone that I talk to at AFNI now says that account will not be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EOS Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no idea what this pertains to. I have received numerous emails from this company. I have not authorized them to contact me via email. The email asks for me to enter personal information and I refuse to enter any personal information in order to receive the attached document. For all I know, this could very well be a scam.

Company response to consumer: Closed with explanation