BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear Director XXXX 

I want contacting with Director XXXX about Bank of America's XXXX that I posted "I informed U.S. Senators and Speaker XXXX that I filed complaints with Federal Deposit Insurance Corporation finished" that XXXX knows better reporting to U.S. Senators and Speaker XXXX included all my filed documents must forward to U.S. Senators and Speaker XXXX immediate procession from Federal Deposit Insurance Corporation requests to help me out with moving other bank from Bank of America to XXXX or XXXX, stopping Bank of America uses overdraft fees.   Bank of America hated my appearances and XXXX which Bank of America made made their opposed to XXXX" issues  they do not interest in me with Bank of America account.   I seek for authorization official helps me moving from Bank of America to other bank called XXXX or XXXX immediate of between XX/XX/2015 to XX/XX/2015, please let me know.  Please Official picks up me bringing to other new bank urgent with serious matters at formal filed requirement.  

Let U.S. Senators and Speaker XXXX knows requirement charges coping to Male Attorney in serious charging requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: AES/PHEAA
State: DC
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:
I am in the Public Service Loan Forgiveness Program and my loans are held at FedLoan Servicing, and this year they improperly reevaluated my payment plan two months early. I received notice for my annual plan reevaluation and promptly submitted my information. The confirmation email that I received included a statement saying, " If you are submitting your request for your annual recertification early, we will process your request once you are toward the end of your 12-month payment period. '' However, FedLoan Servicing reevaluated my plan 2 months early, and increased my payments 2 months early ( in XXXX instead of XXXX ). I have called them three times, and each representative has confirmed that it was indeed processed earlier than it should have been. I am now told that there is nothing they can do to change the evaluation time. This means that I will have my plan reevaluated two months earlier than it initially should have been every year. 

While they are attempting to override my XXXX and XXXX payment to only require the lower amount, I have already made my XXXX payment at the higher amount, since it was due. In addition, now the annual recertification will always be due two months earlier than it should be due. Moreover, what is to prevent this from happening again next year and every subsequent year? This needs to be rectified and the timeline needs to be accurately set. I am told there is no way to do that. 

Please also know that they have also failed to follow-up with me on my requests, and it has required my persistence to call FedLoan Servicing to have answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: AES/PHEAA
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting a late payment on my credit report. I believe this information is incorrect and/or is too old to report. I request that the late payment is removed from my credit report. The late payment reported is from the following dates : XX/XX/XXXX.-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Below is my account number found on my credit report : Account Number XXXX - - Account Name XXXX Account Number XXXX - - Account Name AES/XXXX Account Number XXXX - - Account Name AES/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After more than 10 years as a great customer, always paying on time more than the minimal payment, I had to put 2 of my Chase credit cards on Consolidated Debt, because the pandemic ( NY has had the worst ). Still, I kept paying the other 2 Chase cards, always on time, more than the requested minimum amount. 
Suddenly, last XX/XX/2020 while I was ready to pay for my groceries at the supermarket, my Chase cards were rejected. It was only a {$18.00} purchase. I was shocked XXXX groceries wasted, as nobody touches anything these days. Very sad, with so much hunger around ). 
I run home to realize Chase had canceled those 2 cards, without any warning. I called them 3 times, no professional answer. I emailed them, and only 3 days later they called me back, saying my cards were canceled because I was a " delinquent ''. I am still speechless : 1 ) Since when, a " Consolidated Debt '' is an illegal process? I am using a legit procedure, and paying on time to that company, so they pay Chase. 
2 ) The cards Chase decided to cancel : I have had them for many years, and never ever was late on payments, always doing more than the minimum.

3 ) How come they took such decision without considering my history, and giving me the chance to defense myself?

4 ) How dare Chase to call me a " delinquent ''? They are damaging my credit and reputation.

This is unacceptable, disrespectful and outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: National Enterprise Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX called my work and told my fellow employee, after he was told I was not there and that I can not take personal phone calls at work, that our corporate office had given him the number. I called and verified that our corporate office did not give him my work number. He called again a day or two later and asked for me even after he had been told I can not accept persona phone calls at work when he had called before. He was told I was in assisting with a XXXX and could not come to the phone. He then proceeded to ask my fellow employee if I could just come to the phone for a min. I was in a XXXX and my boss was appalled by his request. He then proceeded to lie and say that my dad had given him my work number as a contact number. My father said he never has given my work number out to anyone ever. This company is putting my job on the line and not following proper debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: General Motors Financial Company, Inc.
State: GA
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 have a loan with GM FINANCIAL and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  GM FINANCIAL and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Use remitly to send urgent money abroad, believing that they will deposit in " minutes '' as their advertising says and beo it takes around 6 hours for the shipment. I used the service on XX/XX/2020 at XXXX XXXX, in total it was XXXX dollars and they told me XXXX for the shipment. I expected to receive the money in minutes as its advertising says but then I realize that an email arrives saying that it would be delivered on XX/XX/2020 at XXXX XXXX. This is not an Express service as advertised. I feel cheated by this company.

Now I have to go out and look for where to send the urgent money because it does not work for me 6 hours later. I need it in " minutes '' in the destination account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account was approved to be deleted as per fcra regulations on XX/XX/2020 account still appears on all 3 credit bureus and it is extremely hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Navient Solutions, LLC.
State: CT
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:
In XXXX 2015, an automated payment to Navient was returned for insufficient funds. I then immediately contacted Navient to correct what had happened. They then proceeded to attempt another payment, but from the wrong bank account. They then contacted my sister for a payment, and ended up receiving two payments later in XXXX. They then posted SEVEN late payments to the credit rating agencies. I placed several calls this XXXX to correct this matter, including one on XXXX XXXX when their rep stated all the late payments would be corrected due to " multiple servicing errors '' on Navient 's part. In a subsequent call, the same rep reneged on this and Navient removed just two late payment entries, leaving FIVE remaining. There was one " missed '' payment that was immediately addressed, so leaving five late payments on my credit due to Navient 's incompetence and inefficiency constitutes an unwarranted and unmerited assault on my credit rating. I respectfully demand reversal of at least most if not all this negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX Ac. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2016-12-23
Company: SUNTRUST BANKS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property was flooded on XXXX XXXX, 2016. An insurance claim was immediately filed. After waiting several weeks for the insurance company to process the claim, I signed a contract with a General Contractor to begin making the flood repairs. The contract requires me to pay in installments. I have already paid the contractor {$32000.00} out of my own pocket, requiring me to withdraw funds from my investment accounts. 
On XXXX XXXX, 2016, I finally received the insurance settlement check of {$57000.00} and immediately forwarded the check registered mail to Suntrust Mortgage. Confirmation was received that the check was received on XXXX XXXX. Additionally, all required supporting documentation i.e., proof of payment documents, proof of loss, XXXX, Waivers, etc., were uploaded onto the Suntrust website, well in advance of mailing the settlement check. I have spoken with Suntrust Insurance Department Representatives on a daily basis and was assured all necessary documents have been received and approved. On XXXX XXXX, I was told a check was being overnighted via XXXX XXXX, to be received today, XXXX XXXX. 
On XXXX XXXX, when calling to follow up on the check which did not arrive, I was told it is being held in the Processing Dept. The representatives indicated they were unable to contact anyone in the Processing Dept. No one was able to tell me if or when I will be reimbursed. I can only assume Suntrust is holding the entire amount in an escrow account? 
With the contracted repair work now approximately 75 % complete, the contractor is now due a third installment to finish the job. For the third time, I am forced to make a sizeable payment out of my own pocket. 
The home is valued at approximately {$370000.00}. The mortgage with Suntrust is only {$83000.00}. My financial interest in this property exceeds that of Suntrust.

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 2015-06-24
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt.

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 2020-08-07
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with mobiloans when I encountered some financial hardships. They present the loan as a line of credit but what was not made clear, and was very deceptive, is that the charge a very high fixed fee every two weeks, which means that out of your biweekly payment, only a few dollars actually goes towards your principal balance. Mobiloans also told me that there are no prepayment penalties, but when I tried to pay down some of the principal balance, they instead applied it to the following fixed fee scheduled. 

I emailed mobiloans and explained what happened, and that I want to make a payment toward the principal balance. The reply to my email was that I need to call customer service if I wanted to complete that action. When I called customer service, they said I can not do that because the fixed fees are fixed, and you have to pay them every two weeks. 

This is fraudulent and predatory practices and trap consumers into an endless cycle of fixed fees that equate to over 400 % interest rate.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
Back a XXXX ago I had to take my XXXX yr old son to the XXXX with a XXXX. Once there I was told by the XXXX that he needed a XXXX. I had no insurance at the time and was given a number to call ( Care Credit ) in which I submitted some income info and the lady on the phone told me right away I was approved for XXXX in XXXX and I would pay them on a monthly basis. I asked her what would be the payments and she said around XXXX. I said ok and got my son took care of that morning. At no time in the phone conversation did the lady tell me how long I had to pay it off just what the payments would be and at the time I was very upset and needed to get my sons XXXX took care of because of the pain he was in. It was a very stressful situation. I made my payments on time every month but then all of a sudden I went from owing around XXXX to XXXX so I called them and asked what was the increase in my balance for?? I was told that if you do n't pay it off in XXXX months they add to the balance, of course I 'm irate and asked them that if I paid if off then can they adjust the other off, of course she said no ... I was not told this in the XXXX office that morning by them. I then called my XXXX office and gave them a piece of my mind as well. I just saw on our local news a report about this same thing and people complaining about Care Credit not giving this information out in the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am the original creditor, consumer and natural person. As a consumer, I hold all the power in this consumer credit transaction. One Main Financial failed to provide with an Adverse Action letter pursuant to 15 USC 1681m. Instead it provided me with an email stating it denied my application for credit. Pursuant to 15 USC 1602, One Main Financial use of my credit was unauthorized as I received no benefit. The language and referenced here are best interpreted by your legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I became aware of a debt collection on my credit report from LVNV Funding in the amount of {$990.00}. I was not aware of this debt and did not know who this company was. 

I submitted a dispute with each of the 3 main credit bureaus. Stating this account was not mine. These debts each came back as verified without any notice to myself. Because I did not receive any information I disputed this item a second time. Agains this came back verified without any documentation to myself showing the validity of the debt. 

In mid XXXX I hired XXXX XXXX to help me dispute this item. After they began their disputing. I did finally get a letter from from LVNV funding showing that they own a debt on my name from XXXXXXXX XXXX XXXX. They also submitted a copy of an old billing statement showing my name. 

I have never had an account with XXXX XXXX. So I did some research and found that at minimum a a debt collector must show validation through a signed dosimeter by me showing that I agreed to pay this debt. A simple old billing statement does nothing to prove that I owe a debt. As this information can simply be false. 

I have attempted to dispute this item further and have been denied by the credit bureaus because I have no additional information. When in reality the debt collector doesnt have sufficient evidence that I actually owe the debt. Even after I have expressly stated this information to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: VI
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:
To Whom It May Concern : On XX/XX/XXXX, Equifax, XX/XX/XXXX, and XX/XX/XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX Account Number :  XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : -XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XX/XX/XXXX Account Number : XXXX For XX/XX/XXXX 1. Validate Account XXXX Account Number :  XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
For XX/XX/XXXX 1. Validate Account XXXX Account XXXX : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XX/XX/XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XX/XX/XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
XXXX is the company that is not reporting accurate information to the credit Bureaus and when I call the credit Bureaus and submmitted ah complaint or dispute they said they are reporting what the merchant is telling them to report. So, pretty much I have been almost two months back and forward between both parties without any results. My account is in good standing and open since XX/XX/2020 and right now is not showing that way in neither credit bureaus. Please help 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 explanation