BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried numerous times to get a free credit report and do the annual credit and it says the information i 'm not putting in is correct when I know for a fact it is, it ask strange questions about home loans being taken out in 2011 and i 'm only XXXX and have never purchased a thing in my life. So I definitely think something is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Over the summer, XXXX was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as XXXX has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : XXXX, XXXX and Experian. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.

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 2017-01-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have not been able to re-pay a student loan that I took out for my son, with the school that he attended. I spoke to representatives of the agencythat represents the school, XXXX XXXX XXXX XXXX, filled out all of their forms and sent them a request for a hearing. The hearing was denied and even though I said that I would accept arrangements to re-pay the loan on terms that THEY offered, they have only responded to me with another round of threats to garnish any income and the same forms that i previously filled out and sent to them ( that they acknowledged in declining to allow me a hearing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously contacted all XXXX credit reporting bureaus in early 2014 after completing a rehab of my student loans. I just learned yesterday in the process of buying a house and after a XXXX bureau credit pull that Equifax is still reporting a XXXX account as a collection account. I contacted XXXX, and they say I have to dispute with the reporting agency. 

My frustration is two-fold : 1. I already did this and it worked as the process was supposed to with all other issues and with the other 2 reporting bureaus. Now I have to wait between XXXX days for my credit report to show this ; and 2. I 'm not going to be able to close on my home loan on time because of this, and I 'm going to have to scramble to make alternative living arrangements and expenses, and may see the seller pull out of the deal leaving me to also try and find a new place to live permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My federal loans are serviced through AES and XXXX XXXX they were supposed to be in deferment when I reported extended unemployment well they never were deferred my credit was ruined and I since then completed a rehab program and have been paying on time yet every month on my credit reports all bureaus they are reported as 120 days late and they are reaging this on my report every month

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I email chase and ask them to explain why my payment due for XXXX/XXXX/2015 were marked " corporate advance paid. '' I also asked Chase to change " corporate advance paid '' to " payment '' to reflect my payment to them. They refuse. XXXX XXXX of Chase response was : '' On XXXX XXXX, 2015, we received your payment of {$32.00} and applied that payment towards your corporate advance fee on XXXX XXXX, 2015. '' I am confuse about this term they are using since I do not know what it meant and if my payments are debited correctly. XXXX XXXX, 2015, started my new payment since my mortgage is " interest only. '' The website has not changed the old amount ( {$720.00} ) to a new one $ ( XXXX ) so I paid my mortgage {$720.00} short by {$32.00}, but paid it on XX/XX/2015. My payments were marked as " corporate advance paid '' as shown here:XX/XX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE - $ XXXXXXXX/XXXX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE $ XXXXXXXX/XXXX/2015 ARM ADJUSTMENT {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: AES/PHEAA
State: CA
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:
I have been calling numerous times ( about once every couple of weeks for the past 6 months ) to have FedLoan Servicing fill out a voucher and send back the voucher mailed to them by XXXX so that my XXXX XXXX Award can be sent to pay my student loan. It has now been one year since the request was first sent to FedLoan Servicing by XXXX, and I have not been able to get FedLoan Servicing to send the appropriate completed voucher to XXXX to get my student loan payment made by XXXX. XXXX said today they now had to cancel my award since there has not been any action on the account within the past 90 days. This is a loss of {$450.00} that FedLoan Servicing has caused as they have continued not to fill out the voucher that XXXX sent them to fill out. I have spoken to several Supervisors at FedLoan Servicing and no change has happened. They have a record of all my calls and interactions and so does XXXX. Please someone help me. I did service for XXXX when I was in graduate school to help pay off my student loans and now FedLoan Servicing has made me lose my money award. Please help me. I ca n't afford this loss. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have FedLoan Servicing who has been nothing but problematic in regards to handling my loans. They do n't answer questions, they do n't respond to questions I submit via email, and their documentation is less than adequate in explaining anything. I do n't feel comfortable with them at all. Over the past month I 've submitted multiple times via email about a question I have and have asked over and over for someone to call me. Nobody ever does. I also am supposed to get help from a FedLoan Borrower Advocate who never responds to phone calls or emails. His name is XXXX XXXX and his phone number is XXXX. I have repeatedly asked him to call me and answer questions without any response. I am very unhappy with this company. I feel as though it is not legal for them to not respond to repeated requests for help. I want a new servicer or someone who will responds to my questions, emails, and phone calls who is reliable and knowledgabe. That is the very least that this company should do as a servicer to the federal governement and department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: The Cherrington Firm PLLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Provided written documentation to debt collector and spoke with them on the phone regarding the accounting issues with the business they represent. The written documentation shows a clear history of payments being sent and received by the business from me. Debt collector is attempting to further pursue the collection effort without acknowledging the provided documentation and they are attempting to add {$250.00} to the amount being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
SunTrust Bank was running a promotion that told consumers that they would get up to {$200.00} for opening an account with them. My fiance and I opened an account with them at the XXXX, FL XXXX XXXX. We were promised and assured that we would receive the {$200.00} promotion as long as we qualify with at least {$2000.00} in Direct Deposits in a 60 day time period. I have heard this same information from multiple representatives and they have also assured me that I would be receiving my promotion in 6-8 weeks from the time I qualify for it. When I had n't received my money in the time frame mentioned above, I began to question the validity of the promotion by contacting corporate and walking into many branches. I was told the same information over and over again. I am now hearing from a XXXX XXXX in the Client Relations and Support Team that I will only be receiving {$100.00} on a smaller scale promotion. Digging deeper, I found that other complaints that I have tried to address with SunTrust Banks had gotten the lady that opened my account fired. She is no longer able to tell us what she had stated to my fiance and I when we opened the account, and SunTrust " has no record of what was said '' even though there is surveillance in the branch inside of XXXX. SunTrust has also stated on a recorded line that many of their representatives have relayed incorrect information to me. Therefore, I would like to receive the amount of money I was promised and assured of when I opened the account, and I add that those promises were made from more than one representative. I, as the consumer, should be able to believe representatives of this financial institution when they tell me I will be getting money from a promotion, therefore I feel that I should be getting what I was promised as the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Checked my credit report 4 years ago saw there was a capital one credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: AES/PHEAA
State: CT
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:
I received another response letter in the mail from XXXX XXXX XXXX, Vice President of Loan Operation at PHEAA/Fed Loan Servicing. It is my contention that my account with Fed Loan Servicing was setup incorrectly back in XXXX/XXXX/XXXX with an option called " paid ahead status ''. This option has been removed from my account. This option caused 9 of my Public Service Loan Forgiveness monthly payments to NOT count towards the 120 needed for loan forgiveness. Also, it was a FED LOAN SERVICING employee that told me to make a telephone payment of {$190.00} which was not applied to my account, as the old servicer XXXX had already taken out the {$190.00} that was due in XXXX. The 9 payments that I am disputing were made after Fed Loan Servicing sent me incorrect monthly invoices amounts instead of the amount needed to qualify for PSLF. There is also a delinquency forebarence listed for XXXX/XXXX/XXXX. They sent me an outdated form, then Fed Loan Servicing rep helped me fill out a new form and I faxed it over, I was switched from IBR to Repaye payment plan after checking the wrong box on the new form. 

XXXX XXXX XXXX ( XXXX ) can copy and mail me the same XXXX/XXXX/XXXX letter and it will not change my opinion. The Department of Education is a predatory lender and PHEAA/Fed Loan Servicing is a predatory loan servicer. If my goal was to make 120 qualifying payments why would they setup my account with " paid ahead status '' as an option other than to keep me from making the 120 payments for loan forgiveness. There is nobody that can hold them accountable. I have filled out the CFPB complaint, contacted FSA Feedback Center for an Ombudsman, and contacted my local U.S. Senator 's office to follow my case. The PSLF program is a sham. I have been paying on my loans for 10 years, and I never had a problem with XXXX XXXX or XXXX. My problems happened right from the beginning with PHEAA/Fed Loan Servicing. This is the 3rd CFPB complaint ( see # XXXX and XXXX for further information ) that I have submitted on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking account with Suntrust Bank since XX/XX/XXXX. I have a direct deposit go into my account monthly. I am a XXXX. I own XXXX rental properties. XXXX tenant pays rent with money orders, and the other pays with a personsl check from his Suntrust account. On XXXX XXXX, I deposited a {$750.00} money order given to me by XXXX tenant, and the next day I deposited the other tenants {$500.00} personal check. XXXX deposits showed up on my account ledger balance by XXXX/XXXX/XX/XX/XXXX. The tenant who gave me the Suntrust check for {$500.00} had stopped payment on XXXX, after I had already deposited for some reason. Suntrust then placed a hold on the {$750.00} money order until XXXX, telling me that they were unable to verify the money order. I had a copy of the money order and called XXXX XXXX and was told it had been paid on XXXX. I called Suntrust on XXXX and they would not release the hold, and then informed me that my account was being closed because of suspicious activity. I visited a Suntrust branch and was told it was the stop payment placed on the {$500.00} rent check my tenant gave me that prompted my account to be closed, but also was informed that his check was a good check regardless. I was blocked from online account access, and being a week before the XXXX tax deadline, this caused a big headache! I also pay bills online the XXXX ten days of the month, and payments were returned, late charges applied, and no valid reason for the paid money order to be held during this time by Suntrust. I was told repeatedly rhat I would receive a letter in the mail explaining why Suntrust closed my account. The letter came XXXX, it only stated my account was closed due to fraudelent activity, according to the bank 's rules and regulations. The decision is permanent and I would receive any remaining funds in my account by mail within 3 days. The letter was dated XXXX/XXXX/XX/XX/2015. No other information or apology is given. Suntrust put me in a financial crisis. Two weeks with no debit/atm card, no cash, bills not paid, creditors calling, not able to take action against tenant in a timely manner, Income taxes not finished, and no answer to why all this is happening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting information which they claim they 've verified but when confronted about their procedures have failed to provide any further information. On XXXX XXXX, 2016, I disputed a XXXX account. I did not recognize the account nor the information on it. On XXXX XXXX, 2016 they sent me back a report claiming it was verified. So on XXXX XXXX, 2016 I sent a method of verification letter to Experian while at the same time I sent the XXXX XXXX XXXX XXXX a XXXX request ( letter was mailed on XXXX XXXX, 2016 ). I sent the letter Certified to make sure it arrived on time. tracking # XXXX. It has now been more than 25 days since Experian received the letter & over 30 since the XXXX XXXX XXXX XXXX has received theirs. The FCRA has strict rules which apply to the publishing personal information. They claim to have verified the account in question. I challenge them on all their merits. If the facts are accurate & this is truly my account. Then other questions arise ... How does an account display a 90 day late without first publishing a 30 & 60 day late previously to the 90?. This information just on its face is inaccurate & needs to be removed. Additionally, since neither the credit reporting agency ( CRA ) nor the date furnisher ( DF ) have done their due diligence & provided me with any information which substantiates their position then I believe their investigation procedures were flawed. As a consumer the FCRA is in place to eliminate any CRA or DF from not adhering to the law. I believe not one person reviewed my file & just used the automated credit dispute verification ( ACDV ) forms, thus making the possibility of error even greater. I would like this matter resolved immediately as there are severe & gross violations taking place with my report. And this matter has caused me great emotional & now financial stress. Please remove this item from my report at once ...

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 2016-12-16
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I first became aware of the debt when applying for an apartment and as it 's reporting on my credit report it is affecting my ability to get a home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I hereby dispute the reply of SunTrust to my complaint by way of CFPB Case nUmber XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
XXXX ATM withdrawals that were not received at the XXXX XXXX in XXXX, XXXX were debited from my account. Provisional credit was initially given and later revoked. My bank provided me with a " Rebuttal Form '' to fax. No acknowledgement was made. It was faxed again 3 months later. Again there was no acknowledgement. I have verification that XXXX faxes were received. A conversation with a VP/Branch Manager produced no results. These were my Social Security funds which is my only source of income.

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 2023-02-04
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I made a deposit for {$660.00} into my XXXX XXXX account held by Customers Bank XXXX I was informed that my deposit would be placed on an exception hold and the reason stated was : Confidential information that the check may not be paid. 

The check was in fact cleared XX/XX/23. The funds were not made available until XX/XX/23. 

My issue is the nature of the " confidential information ''. I have been with this bank for over a year, maintained a minimum balance of over XXXX and have not had any history of returned deposited items or NSF. This simply seems like a tactic to not make funds available with no real reason for an exception hold. What I'm asking for is an explanation of the nature of the confidential information that prompted this action.

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 2016-12-08
Company: AES/PHEAA
State: NY
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:
I have over $ XXXX in loan debt operated by FedLoan Servicing. I have made nearly $ XXXX in payments over the past 5 years, and it has gone strictly to the unpaid interest. No portion of my payments have reduced my principle by a single cent. This is outrageous. It does n't support students, it exploits them. There is no other type of loan that operates this way. My monthly payment is nearly $ XXXX per month, but my principle balance has n't changed in years.

Company response to consumer: Closed with explanation