BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
which ever the bank name you are these days is showing MULTIPLE charge offs. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid. Your information is incorrect in ALL THREE BUREAUS. They must be the same. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in 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 explanation
Consumer complaint received 2016-12-14
Company: Account Control Technology, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have tried to pay whatever I could over the years on my student loan. I have an overwhelming amount of debt not to mention my daily necessities. I ca n't exactly come up with any substantial sum of money right now. I have already paid 75 % of the loan too, which is really frustrating that I am still getting harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The payment system Fay Servicing has put in place charged me {$400.00} more. When I called them today ( XXXX/XXXX/2015 ), they said it does it automatically and said I have to set a different amount when paying over the phone. I told them that I had been paying using the phone for almost a year and the system never did charge more than what is stipulated on the payment ( {$2600.00} ). The account manager said she is going to get back to me and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I sent a certified letter requesting immediate closure of my checking account. To date, it has not been done. Yesterday, they allowed a online payment to go through even though this account should have been closed. I had to initiate a transfer from my current account to this account that should have been closed. Please assist me in closing this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a client of American Express Everyday Card. 

I am being charged a penalty APR for late payments. However, I do not have a late payment with the account. I was charged a late payment which had to be credited by American Express, as it was paid on time. 

I contacted American Express and they stated I am receiving an anticipated Annual APR charge along with a " Penalty APR ''. They have provided no disclosure related to the penalty amount. Further, I have no late payments which would have activated a penalty APR. The penalty APR is approximately XXXX a month. 

I asked American Express to remove the entire period of penalty APRs, which have been applied for over a year. I asked American Express to accommodate me during the Epidemic. They stated they are reviewing, " not acting '' on any such support requests. They have not refunded the penalty APR. I have received no requested disclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been paying Experian for a couple years for credit repair the boost option wont show my phone bill payments or other monthly bills it give me a credit card offer from XXXX bank after my score was going up I setup auto payment then the bank wasnt taking my payments the app wouldnt let me log in it keep telling me my info was incorrect then I revived a call a couple months later and I explained I had moved and couldnt log in I made a payment and requsted to set up autopsy they took payment and said soon as I hung up it would let me log in it still wouldnt and I called number back but it wouldnt let me call I think Experian is a scam and deliberate do this to people so they will keep paying them now I cant even find on site for them to stop billing me for service I feel is a 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 monetary relief
Consumer complaint received 2022-03-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America , N.A . also know as BAC Home Loan changed the loan/account number without my consent. Foreclosed on my home under loan number that is not under the contract we signed.

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 2021-11-22
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage loan at NationStar ( fictious name : Mr. Cooper ) on XX/XX/XXXX. 
I understand they are allowed XXXX days to refund my escrow balance. 
It has now been XXXX days, but I still have not received a check. 
If I was late on a payment, I would have to pay a penalty. 
But, apparently, it is OK for them to take as long as they like to return my money without any consequences. 
They claim to have mailed a check on the XXXX, but we know that is a lie because first class mail does not take XXXX days or more inside the USA. 
When my check eventually arrives, we may be able to confirm that they lied by checking the postmark on the envelope. 
This is not my first terrible experience with NationStar. They have an abysmal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. 

Company has violated CFPB regulations and Federal laws. You have unlawfully provided me ( the consumer ) with a financial product ( Apple Card ) which is not in conformity with Federal Consumer Financial Law.

Company purposefully omitted the third party information disclosure opt-out option from their privacy policy.

Company purposefully omitted instructions on how I ( the consumer ) can exercise my right to opt-out of third party disclosures.

Company unlawfully committed the abusive act of disclosing my nonpublic personal information to non affiliated third parties ; XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
My mom had a living trust. My brother who had control of trust quitclaimed home back to mom and had her sign fir a reverse mortgage. She wasXXXX years old. Although of sound mind very hard of hearing and to frail to leAve home. Financial freedom was lender. They never inspected home. She did not have a picture identification so they took her social security card had her hold it under neck and took a picture. She was prompted to just sign do n't worry. My mom willed the house to me. She passed in XX/XX/XXXX. Several times I faxed will death certificate etc. To o them. Reached to o several city iprograms to resolve issue so I could patwo years of due diligence y them off. I received forevlosyre notice on XX/XX/XXXX that home was foreclosed and auction was XXXX. Again trued to reach out no follow up calls but XXXX. Telling me yo call back nect day. Never available. Letters were sent yo my mom her spouse the estate of my mom and XXXX brothers. I received nothing. I have 8 days before home of 58 years in family which is worth XXXX the amount of mone owef and financial freefim is still not communicating with me.they sent a bank representntive yesterday looking for ky mom. Two years of worry and they still can not get it right. I believe i should have more time while they correct information. I the owner have never been addressed. They are unethical if not down right criminald.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Franklin Collection Service, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called Franklin Collection Services XX/XX/21 I spoke to Unit Supervisor - XXXX XXXX Threatened to report me as refusal to pay and make sure it stays on my credit report as negative. Refused to let me speak and voice my concern about this report. XXXX was rude and told me it wasn't her problem. The efforts of my call were for debt verification and she told me she would not help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Community Health Investment Company, LLC.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Professional Account Service, INC called me to collect a debt for medical bills that I am currently making payments on and am up to date. Company stated that I was in collections and had not been making payments. Tried to explain that I am making payments and they stated that not all of my accounts were combined and that my payments were n't being put towards the debt amount in collections. I paid the amount. The following day I checked with the accounts payable department where my medical bills were and they stated this has happened to other people and confirmed that I have been making payments on time and my debt should not and is not in collections. This is fraud and is treating patrons unfairly and misrespresenting debts to patrons that are not in collections that can bring undue stress to individuals. This practice should be stopped and they should represent debts fairly and truthfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Performant Financial Corporation
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
RE : Case # XXXXI did receive a letter from XXXX XXXX XXXX at Performant Recovery. It did not include another XXXX as stated in letter. I again faxed him the copies of all the correspondence, which included financial information and I mailed a hard copy to the address on his letterhead with a proposal of a payment plan. I asked again fora written response. This was onl XX/XX/2015 and now it 's XX/XX/2015. So my credit is still suffering and I 'm making payment and accruing interest and penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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:
The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Today is XX/XX/2021. 
I am trying to pay XXXX XXXX XXXX my mortgage payment, but the phones are disconnected and the website will not let me access my acct. 
I have recently done a loan modification and this is my 2nd payment with the loan modification payment. 
I don't know what to do. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover Bank is showing this account as a charge off with no payments being made for over 12 months. Payments are in fact being made in accordance to the agreement with their legal representation for the past 11 months. I have contacted their legal representative, and they stated that it is not their responsibility to report to the credit bureau, but Discover should be updating the reporting, and that they send them a monthly feed showing the account is actively being paid on for their records. Because of Discover not properly reporting to the credit bureau, my credit score has been negatively affected and almost cost me an employment opportunity. They need to have all of the payments I have made updated to my credit file and update the status from a charge off to active status and make any necessary to the score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Convergent Resources, Inc.
State: CA
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:
XXXX is continuing to try to collect for a debt that was paid in full several years ago. The collection agency Convergent Outsourcing is reporting the debt on my credit report incorrectly and it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This person calls. Does not say where he is calling from other than the state. Does not indicate why he is calling or what it is about. He is rude. Has called my work when I have asked not to be contacted as I am not allowed to have personal calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: AFNI INC.
State: AZ
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:
I have a collections acount with afni the orginal collector is XXXX i have contact XXXX for the pass couple of years to get info becuz this account is not mine. I have sent police reports and no response i have sent letters to afni verifaction valadation and no response i reacched a customer service agent by the name of XXXX who told me to go to XXXX store with XXXX forms of ID i did and they could not verify. Now XXXX sends me to afni and afni has told me to bad so sad please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Equifax - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am in the PSLF program. My loans have been in repayment since XXXX, well longer than I need to have my loans forgiven. 

I consolidated my loans and was transferred to Mohela as my new servicer in late XXXX. My loans disbursed on XX/XX/XXXX. 

I resubmitted my employment certification form to MOHELA and received confirmation on their website on XX/XX/XXXX that my form was received. As my previous servicer was XXXX. My initial PSLF forms had been uploaded to them in XXXX at the start of the temporary waiver period. 

On XX/XX/XXXX, I received e-notification that there would be a 10 day delay in processing my employment verification form. I have not heard anything from Mohela. 

I just called their customer service auto service telephone number. When I entered my SS # and birthday, the automated system says that they do not have my loan information. I can clearly see my consolidated loan information on their website. 

Mohela has had my loan data since XX/XX/XXXX. With the looming deadline for the PSLF waiver, I'm concerned that I have been unable to get any account updates and information for over three months from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I contacted SunTrust to upgrade my current account type from it 's " Everyday '' Checking to the " Select '' Checking which they now offer. I qualify based on my monthly direct deposit threshold ; however, as the person I was working with began to make the changes, she informed me that my current SunTrust XXXX Debit Card would be cancled and that it was eligible for this account type. Per my review of SunTrust Disclaimers online, their Fact Sheet and Brochure, no where does it state that the XXXX Debit Card is ineligible in this account type. Having the Select Checking account type would provide me some benefits such as Non- SunTrust ATM Withdrawls at no charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I started college with financial aid. I was offered a direct loan by the registrars office with XXXX foundation. I got bought out thru Navient. My credit report has me owing over {$29000.00}. I went to school for 1 semester. I received like {$11000.00}. My credit report has each time my loans were switched and/or bought out from another company added to my credit report. I thought it would switch from one to another. This has not happened. I do not know how much the loans were sold for but it 's like they double or even triple. I actually withdrawn in 2016 from the XXXX and I tried to attend again ; I was told I owed the school {$700.00} to {$900.00} because of some strange reason. I took care of my mother for 4 years until she passed away on XX/XX/2016. Now I planned on attending college again but it seems as if will be purchasing a house for my college degree.

Company response to consumer: Closed with explanation