BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Account Name : XXXX XXXX XXXX Account Number : XXXX Charge : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Account Name : XXXX XXXX XXXX Account Number : XXXX Charge : 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 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I received a text message from a number XXXX saying my Bank of America XXXX debit card placed on HOLD due to unusual activity. Visit : XXXX. I did not click on that link and not sure if this number is legit.

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 2020-09-29
Company: LAKEVIEW LOAN SERVICING, LLC
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:
After numerous conversations to call my mortgage servicer Lakeview servicing I was told I need to submit a credit dispute to remove mortgage lates on my account. When I went i to forbearance due to covid after seeing a decrease in income, I was told by the customer service rep that my mortgage would not report as late. Unfortunately Ive seen 6 mortgage lates on my credit report. On XX/XX/25 I spoke to an XXXX in credit dispute dept and he confirmed that lates should not be reporting. The mortgage lates have cause my credit score to unfortunately tank into the XXXX. Lakeview has been very slow in their response, lack timely communication, and Ive even been hung up on with no call back to resolve my complaint.

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 2016-06-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit report disputed but no written resolution received. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage, jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. 
I also hard a medical hardship. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. On several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Along with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Inquiries appeared on my Equifax credit report and Equifax in violation of the credit laws refuses to remove them. They need to be removed as they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Nelnet, Inc.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a total of {$150000.00} outstanding The issue is that my servicer for four of these loans, nelnet, has {$46000.00} split into two payments. One for {$140.00}, and the other for {$60.00}.

I thought it woukd make sense to consolidate these notes, however, once on StudentAid.gov, the option to consolidate raises the interest rate from 6.8 % to 6.875 %, and it raises my monthly payment amount for the Extended Fixed plan to {$320.00} per month.

Whereas, my current two payments are a total of {$200.00} per month.

A simple loan consolidation should cost less money in the long run, not more. 

I do not understand how these repayment estimates work : Standard You will pay a total of {$100000.00} over 360 months {$300.00} - $ XXXX/month Graduated You will pay a total of {$110000.00} over 360 months {$260.00} - $ XXXX/month Extended Fixed You will pay a total of {$96000.00} over 300 months {$320.00} - $ XXXX/month Extended Graduated You will pay a total of {$100000.00} over 300 months {$260.00} - {$45.00} Why am I scheduled to pay over twice what my loan principal is? 

$ XXXX/XXXX  = {$460.00} x 6.875 % = {$3100.00} + {$46000.00} = {$49000.00} total to pay back. 

However, the Government student loan industry expects me to pay : Standard : $ XXXX/ {$49000.00} = 220.8 % of the original loan terms. 

Graduated : $ XXXX/ {$49000.00} = 236.6 % of the original loan terms. 

Extended Fixed : $ XXXX {$49000.00} = 195.7 % of the original loan terms. 

Extended Graduated : $ XXXX/ {$49000.00} = 211.9 % of the original loan terms. 

I'd like to know how this is legal? If I had borrowed a 300 % payday loan every semester to cover my expenses, at least I could declare bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a purchase for the XXXX XXXX class with The XXXX XXXX for {$1800.00} on XX/XX/2022. The website was having difficulties and eventually the purchase went through but I did not receive the class. I contacted the XXXX XXXX where they told me that they had never received payment and if there was a charge on my account to contact the bank. I proceeded to contact the bank where they told me that I needed to call back to dispute the charge when the charge posted to my account. I waited 3 days and called back and was told a provisional credit would be in my account 24-48 hours after the phone call. I called after the 48 hours had passed and the provisional credit was not there and then they said it would take another 1-2 days. I then reached out by chat where they told me provisional credits take up to 10 days to appear in the account from the date of the dispute. I waited the 10 days and still had nothing returned to me. To make this even more ridiculous, they said that I would be sent a document to fill out and either send back or take to the bank. They said if I took it to the bank, the provisional credit would be in the account on the same day. I received the document, took it to the branch and they faxed it over. My provisional credit was still not returned to me after that. It has now been a month since I first disputed this transaction and the bank is still refusing to return the money to my account or provide me with provisional credit. This was not a case of buyers guilt as one of their representatives on the phone very rudely suggested it was. I had to work out a payment plan with The XXXX XXXX in order to purchase the class for my fianc who is registered to take her XXXX in XXXX and could no longer wait to register for the class as this was the last class she could take before her exam date. They are violating their own policy of provisional credit within 10 days and almost prevented my fianc from taking her class. Not only do I want my money returned to me, but PNC will need to do something to make this right as this has caused us both an extreme amount of stress and if I am not satisfied, I will be seeking legal counsel to sue for the theft of my money and the damages of the pain and suffering caused by the theft of my money to my fianc and to myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Wells Fargo line of credit is intentionally difficult to pay to encourage consumers to trigger fees. 
After opening an account with a special no interest offer from a merchant ( XXXX  XXXX ) I received my first bill in XX/XX/XXXX For background I am XXXX, excellent computer skills and good credit. I never miss payments. First I never received the first bill from Wells Fargo and missed the first payment. No explanation from them as to why I didn't receive it since they had all of my correct information. I was charged a late fee but they reversed it. The website and process to make a single payment is almost impossible to navigate and takes 2 months to set up while they " verify '' your account. After this process you are eligible to set up automatic payments. After setting them up on the 3rd month the payment did not process because the account information was incorrect. I don't see how that's possible since I made payments from the same account previously and they " verify '' all accounts before hand anyway. This caused another missed payment. I called and was hung up on. A supervisor called me back and assured me I would not be charged a late fee. I was charged another late fee. This is intentional and I don't have enough time to spend another several hours on the phone with them navigating the difficult myriad of phone numbers and prompts required to get assistance only to be potentially again hung up. They waste your time so your pay the fees.

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 2020-03-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT 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 explanation
Consumer complaint received 2015-09-02
Company: Jonathan Neil & Associates, Inc
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Jonathan Neil & Associates dated XXXX XXXX, 2015 for an auto insurance debt of XXXX. My wife and I called and made payments arrangements for {$100.00} per month until XXXX was paid. We received verification and acceptance of payment arrangements from Jonathan Neil & Associates in letter dated XXXX/XXXX/15. We mailed our XXXX payment on XXXX/XXXX/2015 and we received another letter dated XXXX/XXXX/2015 from Jonathan Neil & Associates with a new balance of XXXX. We believe this consititutes unfair practices because we made payment arrangements on one balance and after first payment, the balanced was increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Im the mother who paid the student loans, of my sons, XXXX, the loans was paid, but sallie mae, did not report It to the credcredit bureau, they told me, to call XXXX, and I did called andthey said that it should be sallie mae who should report it tothe XXXX credit bureau, they sallie mae, damage my reputationto the XXXX credit bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To Whom It May Concern : I am thrilled to finally have obtained a gas card during a pandemic. However, I was surprised when I noted the Chevron Premium Card XXXX TX XXXX XXXX for {$25.00} billed to my account. This was and is not authorized and must be canceled, reversed, and credited back to my account immediately. Failure to do so will result in account closure and a small claims suit being filed.

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 2016-08-24
Company: AES/PHEAA
State: OR
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:
Payment histories lack transparency. Every year it takes longer for PHEAA to process my recertification. This appears to be a deliberate ploy. The hit taken on my PSLF credit seems to be increasing while they force me into foreberance. The time they take to reconfigure my payments is increasing, from the latest report of XXXX XXXX, it appears to have dinged my PSLF credit for two months, rather than the 1 month that the rep promised me over the phone. I am submitting a payment history with several issues. I would like a line by line response to my complaints. I would also like a line by line monthly accounting of how each payment is applied and if it is not counted toward PSLF, please provide the reason for that. 
Additionally, my yearly electronic IRS submittal is never " enough '' and the processing of my recertfication is further delayed by having to submit my tax forms and paystub, etc. I am curious if there is a law that says I must take forberance while they recertfy. If there is another way around this that will ensure I will not lose my monthly payments and credits, please advise. This lag in processing is totally unacceptable, manipulative and not consumer oriented. I am tired of having this pattern repeated year after year without resolve. 
While I get my paperwork in way ahead of the game, it 's still the same story.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by MIDLAND FUNDING. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. 

MIDLAND FUNDING have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verfiying MIDLAND can legally collect, and proof that MIDLAND is the current holder of the instrument. 

MIDLAND is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet MIDLAND FUNDING is the company listed on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a {$36.00} overdraft fee when I was told I have overdraft protection. There were funds in my savings account to cover the transaction. I was told I did not have overdraft protection however I did sign up for overdraft protection. There have been other instances where I was not charged overdraft fees even when the funds were not available. The so called Manager could not explain why sometimes I am charges and sometimes I am not. In addition I was charged another {$36.00} in excessive withdrawal fees. I was told there is a limit on the number of withdrawals you can make. I never heard of or was aware of this policy. How can you charge me for basically withdrawing my own money? I basically gave the bank {$72.00} for nothing. It is hard times during COVID and I would like my {$72.00} credited back to my 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 monetary relief
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I deposited a {$9000.00} government issued check into my checking account. Upon depositing it, I was told by the teller all funds should be available the next day. After the teller deposited the check, I was told that the majority of the the check would be available the following day and the remainder would be available by that Friday, XX/XX/XXXX. I have a written receipt stating this breakdown. 

The following day after the deposit, however, XX/XX/XXXX, I login to my account to see that all funds wont be available until XX/XX/XXXX with the message that it is assumed that the government issued check would not be honored. Id like to mention that I have never had a returned check on this particular account and I maintain over {$6000.00} in direct deposits each month. 

Moreover, I had a payment pending for {$2500.00}, that had a online notice saying that it was a partial hold on the deposited funds to honor the payment that was pending. I login today, XX/XX/XXXX, and see that the payment was returned while my check is being held for two weeks to clear. 

Today I will be further researching and inquiring as to what next steps I should take, as this is the third time that Bank of America has placed excessive discriminatory holds on my accounts because any check I deposit, along with money orders, are determined by BOA to allegedly have a high likelihood of being returned. I am a XXXX, XXXX woman, who again never had any checks returned on this account and in total I have banked with Bank of America for over 20 years. I feel discriminated against, considering I live in a predominantly XXXX zip code with a majority of the per capita income below the national poverty line. In contrast, I deposited the check in a predominately White zip code branch location where the per capita income levels are some of the highest in the country. I also watched an older XXXX  man in line before me simply walk in and cash a {$12000.00} personally written check and my government issued check is being held for two weeks. The issuer has indicated that the check has already cleared, but Bank of America continues to not allow my funds to be available. The disparate handling of my account and treatment and lack of a response after I filed my initial complaint is troubling and distressing.

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 2017-03-09
Company: Receivables Management Corporation
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I incurred an emergency room bill after being injured while attending a funeral outside of my home state. Days after I was treated, the hospital closed and did not file the invoice with my insurance company. Instead, a collection company, RMC, was given my file to collect in full without any insurance filing. I have spoken to RMC directly several times, and at one point, provided them with the name and number of a representative at my insurance company who said she would be glad to assist them in getting paid for my claim but RMC did not follow through on that and instead, opts to constantly call and write while each time I tell them that I have insurance that would pay this in full. They are using harassment techniques rather than simply filing the claim or having the hospital file the claim. I do not know how to help them help themselves, and neither does my insurance company. They need to do what 's right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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