BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
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:
Hi- This is a federal loan. I don't understand why this isn't deferred until XXXX, like all the other Federal loans? 

This loan was originally handled by XXXX XXXX XXXX XXXX back in XXXX during a " loan rehabilitation '' by a person by the name of XXXX XXXX who : 1 ) Communicated to me at place of employment even though collector knew the employer prohibits such communication. Also led to lower wages due to less hours worked due to long waiting times ( 30 min - 1 hr ) 2 ) Called over and over again After the " loan rehabilitation '', XXXX transferred the loan to AES ( American Education Services ). 

AES has been reporting late payments to the credit agencies & negatively impacting credit scores, even though there is a pause on federal loans. 

Is there a reason for this? I've asked them multiple times and they have not responded with any answer. 

Also this is a loan from XXXX, why is it still outstanding? Either be private or be the government. This company is profiting and benefiting from privileges given to private companies & governmental agencies without incurring any of the negative ramifications that COVID19 has left society. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX, formerly XXXX is refusing to provide a statement on a monthly basis that gives me the break down of my loan payment. I do n't have any way of knowing if extra fees are added, what amount was paid out of my escrows, and the amount that is principle and interest. I have written them a letter asking them to send it to me and they have sent me a letter back that said if I do n't reaffirm the loan they will not give that information to me. The loan has never been late, and I have indicated to them that I intend to pay the loan until it is paid off. I do n't know if they are overcharging me or not. They refuse to give me this information. I do n't even know how much I still owe. They wo n't tell me that either. I am having difficulty filing my Income Taxes because the information is not given to me. They will not tell me how much is in my escrow account and when the payments are made out of it. I do n't know how much they are paying for the insurance, and they said my taxes went up but they went down. They said the escrow payments are making my loan payment go up. I do n't know how much or what for because they refuse to give me that information. I feel like my rights are being violated and there is a potential for fraud on their part since I am in the dark. They wo n't even put my name on the statement but I am on the loan. My sister XXXX XXXX is also on the loan and she did not file bankruptcy and they will not provide the statement to her either. She is still fully responsible for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for CitiBank AAdvantage Platinum credit cards that offered XXXX XXXX promotional miles based on a certain amount of spend. CitiBank checked my credit and approved me for credit cards. I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, XXXX XXXX has since closed my AAdvantage account, where they claimed I violated their rules. Citi Bank approved me for these credit cards and owes me the value of the promotional miles promised since XXXX XXXX, confiscated my miles. I also lost any perks attached the the card, as XXXX XXXX stripped them along with my frequent flyer account. As such, neither of the companies is living up to their obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Afterpay US Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/22 I purchased a pair of shoes from XXXX  and paid with an Afterpay virtual card in the amount of {$500.00}. On XX/XX/22 XXXX  issued a partial refund in the amount of {$55.00}. I contacted Afterpay because the debit card I had on file with them initially to pay back my purchase has since been closed along with the bank account. With Afterpay the purchase is split into 4 payments. My first 2 payment were paid with the debit card that has since been closed and my last 2 payments were made with my new debit card. I wanted to inform them of such so that they dont credit the closed card since the bank will reject the refund due to my account being closed. The refuse to give me a straight answer on this issue and insist on crediting the closed account when they know I wont receive the refund. Its seems as if Im being given the run around and that they are trying to keep my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25
Company: A & E Futures LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Additionally, believe it to be a scam and not a real debt. Called me on XX/XX/2017 & left a voice mail at XXXX. Stated it was a XXXX XXXX, a licensed courier for XXXX XXXX re : a court order for XXXX XXXX, last XXXX of the social security # ending in XXXX. Now holding documentation that clearly states to dispatch to residence or place of employment to service you paperwork. However I can grant you the next 48 hours to contact the filing party to obtain your voluntary statement of consent as well as the opportunity to place the stop order on my services. The telephone # to the company is XXXX. XXXX, when calling reference your pending docket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
bank is overcharging and changing the terms of the loan without a reason. bank has extended the amount i owe without any proof of logic. bank has failed to explain how they come up with the amount differences, bank has contradicted several times and failed several times to explain the how they have reached the new amount i owe. bank has failed to honor the 48 payments term bank has a over inflated pay off amount that they can not explain the mathematical logic. bank is over charging the interest rate that wast agreed on. bank failed to communicate properly or promptly about my issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I would like to ask for your help regarding these unauthorized inquiries in my credit report. Been reporting these for two months now but they haven't gotten them off of my report.

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 2022-03-22
Company: WELLS FARGO & COMPANY
State: TX
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:
On XX/XX/XXXX, I got a text message with the caller ID of Wells Fargo. It asked me if I had approved a charge in Florida. I have received these calls in the past from Wells Fargo in the past asking if I had authorized something. When I replied NO, I got a call with caller ID again saying Wells Fargo. The man identified himself and stated he worked in the Wells Fargo fraud department. 

He told me he was going to put me on hold and call the FCIC. While I was on hold three other notifications came through on my phone saying another XXXX XXXX dollars of charges had just been made. When the man returned to the line I informed him that another XXXX XXXX had just gone through. He stated he saw that and he had spoken with the FCIC and he needed me to log on to my account and get into XXXX. 

I had never once used XXXX and did not know how that program worked. He told me that I had to start transferring the XXXX XXXX out of my account and move it to other accounts I had. Unbeknownst to me he had it going into another counter other than mine. He stated the next day a supervisor in the fraud department would call me. 

The next day I did not hear from the fraud department and called them. They informed me they never sent me a text or called me. They send me to the fraud department to file a claim and they then said they couldn't take the claim b/c I had sent the money myself and put me back to customer service. She then told me clearly I had been scammed and they would start a investigation. 

It is now XX/XX/XXXX and they have refused to help me get my money back. It is my understanding that according to their policy if you are unknowingly are scammed they do refund your money. I also asked for documents they say I legally have a right to get to show me how they investigated this. All they sent me was a copy of the statement that shows where the money was transferred out. 

Finally, I have all of the text messages that were sent to me on XXXX from the people that scammed me. I have offered to provide Wells Fargo these text and they said they will ask for them if needed. As of XXXX, they have yet to ask for them. 

Can someone please help me get my {$3000.00} dollars back. 

XXXX 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 2016-07-05
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage loan is currently held by Ditech, and Ditech has a glitch on their customer web portal, reporting wrong/erratic payment figures ( one month is shows {$780.00}, next month it shows I paid {$810.00}, next month it shows {$1500.00} ) See attached account page screen shot with figures circled in red. 
I called Ditech severally, sent several emails but Ditech never responded. I went ahead and paid the last figure ( see attached screen shot ) they were asking on the web portal and to my shock a week afterwards, Ditech puts a derogatory report on my credit stating I missed a mortgage payment ( yet no late fees levied by Ditech -- web portal stills ays i 'm in good standing the whole time ). Several calls and emails from me following the credit report has still gone unsanswered this past 3 weeks. Somebody help before Ditech ruins me!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: TX
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 had a student loan with XXXX XXXX for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
Experian, XXXX  and XXXX have been reported to with these invalid dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had a car loan with XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) back in XXXX the car was repossessed, my wages were garnished for the balance, and the account was closed. The loan company continues to report this account as a new account, owing to a balance. This is not true, and the account should have been removed from my profile several months ago. They are using this tactic to interfere with my ability to get approved on other things. This is an unfair practice and is impacting me tremendously. They reported it as close to one credit bureau but will not send the information to all three.

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 2016-03-01
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently my mortgage was aquired from XXXX to Greentree and now Ditech. Ditech has sent me an Annual Escrow Account Disclosure Statement informing me of my mortgage payment of {$560.00} was changing to {$680.00} for projected 2016 property tax increase and hazard insurance increase. My hazard insurance has been changed to XXXX going down {$200.00} which Ditech has recognized. So, what they are saying is my property tax is estimated to go up {$1400.00} for 2016! I do n't think so. Also, I was under a mortgage motification program for the mortgage with CitiMortgage. I have talked with Ditech trying to understand why so much but the service representatives I have spoken to have been very short and condescending to me and I get frustrated and hang up.

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 non-monetary relief
Consumer complaint received 2020-03-13
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to an issue with my bank and an ACH deposit not posting in time, a payment in the amount of {$50.00} was returned on XX/XX/XXXX, a late fee or insufficient funds fee charged same day in the amount of {$15.00}. A replacement payment made on XX/XX/XXXX in the amount of {$50.00} has cleared.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Frontline Asset Strategies, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Frontlines asset strategies at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX has been sending me collection notices in the amount of {$550.00} and {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a call from a young man on XX/XX/XXXX around XXXX telling me he had legal documents to deliver to me. I explained I was driving and asked for a number to contact them at. I asked that he call me back and leave the info on my voicemail which he did. Was provided XXXX and a File #. 

Called them XX/XX/XXXX @ XXXX CDT and asked who they were. I was transferred several times and then told they did not have to give me any information at which time the lady started calling me a loser and began berating me. She hung up. I called back and was again berated by the same young lady who would not provide me with any information and told me my case was turned over to the IRS and that now I was really going to have problems. Referred to me as a loser every time she addressed me. I explained that I needed to know what the call was about and she said Chase bank. I explained my last dealings with them was quite long ago and that it was likely out-of-date. she said no and they were going to sue me but would not provide any info as to who they were. Called them 10 times and they would not talk to me or give me any info just continued to berate me. I have no names because they would not provide any. They must know when I call because now it goes straight to the voicemail. 

They know we ca n't afford lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
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:
Good day. This is written to place a complaint on the bureaus that have respeated reported wrong accounts, unauthorized inquiries and identity theft incidents on my credit report. I wrote to them last month but these accounts are still in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: OH
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 tried to communicate with the company twice and they have ignored my request. I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: ROYAL UNITED MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been working with Royal United Mortgage company out of XXXX, XXXX, for 4 and half months, started on XX/XX/XXXX. Denied on XX/XX/XXXX. I was looking for a new small loan of XXXX for 30 years, on a second home because I was taking over the old loan from my brother. I have no other home loans, very good credit, income of XXXX, lots of assets, and just some normal credit card debt debt from a work project. The loan is for a home recently valued at XXXX ... no other loans on the house and its rented out for XXXX a month. I wanted a home loan as opposed to paying off the loan, because I'm earning 12 % on my money, so a small loan made sense. I'm retired, XXXX, so I don't have a regular work type paycheck, but I have plenty of income from various sources, so I would consider a loan to me extremely safe and a no brainer! Plus my wife is still working with a regular paycheck that could qualify by itself. 

I spent 4.5 months gathering information for Royal, only to be asked for more and more documents. I also had to pay for a {$1200.00} appraisal in advance. They kept leading me on that everything was ok... than I was denied for insufficient income of all things after 4.5 months. 

I have to assume I was denied for some other reason? My age perhaps, XXXX or the fact that my daughter and her wife will also be on the deed and they're XXXX... .or maybe both reasons? If I don't qualify who does????

Company response to consumer: Closed with explanation