BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX XXXX  account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for Equifax and XXXX and the last month it reported that was XX/XX/XXXX. I just updated my XXXX  XXXX and for XXXX its reporting 30 1, 60 1, 90 37, for Equifax and its reporting 30 1, 60 1, 90 3, for XXXX! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for XXXX and 30 1, 60 1, 90 38, for Equifax. How did it go from 1 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have sent a letter to AES requesting information ( see attached ) on how to be released from being a co-signer and they keep responding with a blank form letter asking for more information. I feel that they are being non-responsive to a situation where the Originator has demonstrated excellence in responsibility. I still want their policy on how to be removed from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act my rights have been violated 15 u.s.c 1681section 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 with out my written instructions XXXX for {$1700.00} XXXX XXXX XXXX {$980.00} XXXX XXXX  {$800.00} XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Ditech Financial LLC
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Ditech and have been overcharged {$1900.00} for a monthly mortgage payment. I notified Ditech of the overcharge right away and it has been two weeks now and I still have not been refunded the money. {$2000.00} is a lot to me and I need to live on. If I am overcharged I expect the money to be retuned within a couple of days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Billing statement

Complaint:
American Express customer service representatives failed to resolve a simple issue even after 6+ hours on the phone, and talking with 10 individuals. Each call lasted 1-1.5 hours with an average of 4 individuals, with each call claiming to have resolved the issue. They would place me on hold and leave me with a new customer service representative with no warning, transfer me to departments that were unrelated to the issue at hand, and would place me on hold for 20-30 mins without warning. I 'm not an angry person, I did not yell or otherwise get verbally short with the representatives ; rather, it was clear they did n't want to manage my request ( re-issuing a billing statement ). Not only was American Express difficult to reach, they were incapable of quickly and responsibly addressing my concerns. To date, it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am requesting the removal of negative reports for my student loan accounts due to personal family issues. Attached is the letter that I would like to send to FedLoan to have the negative reports removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: AES/PHEAA
State: MI
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:
The attached lawsuit .pdf, page XXXX, is at issue for my CFPB complaints regarding my student loans. In XX/XX/XXXX, AES made the same claim as listed on page XXXX. By doing this, they misrepresented themself and the related agency laws related to the agency of the federal government at issue in my loan. Other cases and appeals finally stated that AES is a simple corporation and could be sued. This is a XX/XX/XXXX case which clearly falls between my XX/XX/XXXX IBR communications with AES and my XX/XX/XXXX CFPB complaints against AES and XXXX XXXX XXXX. In those complaints I provided detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: AES/PHEAA
State: TX
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 paid my student loan on time and regularly. It was with XXXX. Then it was changed to FedLoan. XXXX had taken on payment on the same day every month. FedLoan took XXXX payments about a week apart the first month. The second month it was XXXX spread out over about two weeks.. The XXXX payments were not proportionate to my loans in any way I could figure. When I asked why? The response was " Yes we did take it in XXXX '' debits. Each of them cost me {$35.00} nsf fee. While not an ideal choice, the XXXX way of debiting my account would have cost me only XXXX OD fee. 
I consolidated my loans, hoping they would be assigned to someone else. They were not. I asked that communications be in writing, they responded to " call them. '' When I wanted to catch back up, they demanded that I pay the full amount to bring them current. 
Maybe I would still be in default if they had not treated me this way, I just know that FedLoan tried as hard as they could to make sure I could n't pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I believe this is the second time I have to report this company. The representative from HHGregg told me, when I initially signed up for the card and purchased my refrigerater, that the purchase would be interst free. Once again, however, Synchrony Bank is charging me the ridiculous amount of 29.99 % interest on my account. Also, last month, I sent in my payment on time on XX/XX/XXXX when it was n't due until XX/XX/XXXX. On my bill this month, they charged me a late fee of {$35.00} which they refuse to remove. I believe this company needs investigated or at least my account looked into by a government entity like yourselves. This company has tried everything in their power over the coarse of my loan to extort more money out of me, and I 'm fed up with it. I am sending this complaint to the appropriate attorney general 's office as well. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
My savings account @ Suntrust Bank in XXXX XXXX, Georgia was compromised in the amount of {$2500.00} on XXXX XXXX, 2016. It was transferred to my checking account without my knowledge or consent. The bank said there was nothing they could do. I am a XXXX, XXXX & XXXX in Origin. I reported the Fraud to the Bank & the Suntrust Fraud Division, and it is allegedly under investigation. I took out a Police Report in XXXX, GA. The Bank is taking a passive attitude towards my plight, because I 've worked so hard to save that Emergency Savings, and to see it all gone, and the Bank does n't care. I behoove anyone, especially XXXX to not use Online Banking, because your accounts will be hacked online. I am a living witness.

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 2017-02-13
Company: AES/PHEAA
State: NV
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 XXXX Direct loans from XX/XX/XXXX that I have been paying off. I went back to school in XX/XX/XXXX and accumulated more Direct Loan debt. After graduating in XX/XX/XXXX, I had to switch to an income based repayment plan from the standard repayment plan because I was not able to locate a job right away. The standard repayment plan period is 10 years, and I had been on that since XX/XX/XXXX. Then once I got a job in XX/XX/XXXX I switched back to a standard plan for all of my loans from the income based repayment plan. I was told that the repayment terms for all of my loans, which includes the older loans from XX/XX/XXXX in addition to the new loans that I started paying off in XX/XX/XXXX, was going to be 10 years. Instead of paying off my original XXXX loans in XX/XX/XXXX, which was the end of original loans ' repayment term, I will now be paying them off over another 10 year period until XX/XX/XXXX. I was never told this would happen if I switched my loan repayment plan ( it was never in writing or disclosed to me on the phone when I called to make the change ). It all seems unfair and deceptive. The loan servicing company is now making more money from me by collecting all that additional interest that comes with extending my repayment plan another 10 years for these XXXX loans, when I could have had them paid off by now if I had been able to keep them on the original repayment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: SUNTRUST BANKS, INC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I did not finish my degree due to owing the school a balance. I owe this balance because I did not find out that my loan was denied in time to cancel my classes for that semester so therefore, i was charged the entire sum. I am making monthly payments. 
Also, since I am not working at the position that I went to school for, I am not making enough money to pay the monthly payment on my private student loan. I also have XXXX which doesnt help matters. I have tried to converse with the lender to get an income repayment plan for a much smaller monthly payment or redo my loan to get the time extended which would bring my payment down. They have denied everything but a 3 month forbearance. I appreciate any help you can give. Thank you

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 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX XXXX account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for XXXX and XXXX and the last month it reported that was XX/XX/XXXX. I just updated my XXXX XXXX and for XXXX its reporting 30 1, 60 1, 90 37, for XXXX and its reporting 30 1, 60 1, 90 3, for XXXX! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for XXXX and 30 1, 60 1, 90 38, for XXXX. How did it go from 1 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!

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 2018-05-28
Company: CITIBANK, N.A.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Citigroup is engaged in action to restrict the 2nd Amendment rights of U.S. citizens, by using its considerable influence and enormous market share to affect the ability of arms manufacturers and retailers to obtain loans and do business with them unless agreeing to meet these terms of restrictions including but not limited to : ( 1 ) selling firearms to citizens under the age of XXXX and ( 2 ) manufacturing certain types of legal firearms and accessories. This restriction on doing business with clients and consumers that are otherwised engaged in lawful activity, by one of the largest banks in the U.S. ( and in collusion with other large bank ( s ) ) should be worrisome to all U.S. citizens. If this ability of major influential corporations to collude in enforcing their own political views on the citizenry ( and in opposition to laws generated through the democratic process ) is allowed to go unchecked, especially in opposition to one of our most important constitutional amendments, large banks may see a pathway to enforce other political policies on the public, without representation. Consumers should research this issue, including investigating the largest shareholders of Citigroup, and their ties to foreign governments, as well as Citigroup 's ties to well-known billionaire gun control financiers, and then make their own decisions about whether to do business with Citigroup and its consumer banking division Citibank.

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 2021-02-19
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company sent information about debt to wrong address. I was never notified and when I checked my credit saw they were on my report. Contact them to pay off and they have a pending lawsuit but I was never given a chance to dispute or pay before lawsuit was filed. When I tried to pay they now demand attorney fees in the amount of {$600.00} when the debt was only {$640.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: SUMMIT FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2016, we sent a letter to our mortgage company, Summit Funding, requested the PMI be removed from our home loan. They responded with a letter stating we had to pay Summit FundingXXXX {$420.00} for an appraisal. We paid this in XXXX of 2016. No appraisal was ever done, Summit FundingXXXX cashed our check but never followed through with the appraisal. We were told by a XXXX XXXX employee in XXXX of 2016 that the money would be refunded to us. We have not been refunded our money. Our last contact with XXXX XXXX was a curt e-mail response to us : " Per the notes on your account there is no refund due for the appraisal fee ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: General Financial, Inc.
State: AE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had some financial difficulties and decided to apply for a loan through Just Military Loans. Now I know it is my responsibilty to read everything and that I am responsible for my debts, but I do not feel it is right to charge 80 % interest rate on any loan. I know that throught the SCRA I could reduce it to 6 % if i accured the loan before active duty, but even after you enter Active Duty I believe there should be a cap on the interest rate a company can charge you. This should go for any consumer loan company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan that was initiated with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was serviced by XXXX. Due to family hardship, at the end of XXXX I fell behind on my payments for few months. After applying for a modification plan and being finally approved for a modification with specific trial amounts, my loan was sold few days later and transferred in XXXX XXXX by XXXX to a new servicer /Fay Servicing LLC . Right away, I made contact with Fay Servicing to start making those payments. Fay Servicing asked me to re-apply and re-submit all the documentation in order for my loan to be considered for a possible modification by the new owner -XXXX . The old modification approval from XXXX was void. However, they agreed to take payments from me every month from the moment my loan was transferred to them, while my file was reviewed for a possible modification plan.The review was extensive. They kept asking for documentation that I previously sent or new documentation, denied me for missing documents that I already provided but got lost and asked me to reapply again ... The way Fay Servicing has been applying my payments and extra payments to XXXX loan and escrow was very ambiguous and hard for me to understand on my statements. When I reached out to Fay Servicing to help me understand the customer service was able to only take my monthly payments but for issues they referred me to the account manager as the only person that I can discuss my account. The account manager was always very hard to get hold of when I was available, intentionally calling me back when I was at work and not able to respond and discuss. For many months, he denied me access to view my loan online because my loan was not up to date and he would not follow with any of my concerns. Eventually in XXXX my financial situation improved with my husband finding a job and I was able to bring my payments up to date. At the end of XXXX I called the account manager and informed him that I was refinancing my loan with another institution and asked him if there are any additional fees that I should be aware of besides the loan balance. After checking my account, he said no. The payoff included a charge of {$430.00} called corporate advance that I was never made me aware of. When I called and asked for details on it, the account manager said that it is related to foreclosure process they started even thou they accepted my payments every last day of each month, never missing one month since I was transferred to them from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding Fay Servicing LLC. With our XXXX payment, we included an additional {$1100.00} to increase the balance in our tax escrow account. It was noted as an additional payment on the remittance coupon. Fay did not credit to the Escrow account, rather, applied it as a " Principal Reduction '' payment. On XX/XX/XXXX, I contacted Fay regarding their error. I was promised that it would be corrected. Despite an additional phone call during the week of XX/XX/XXXX, the error remains uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I filed bankruptcy which stopped payments on my loans for 5 years. I was not informed that they would still incur interest during that time. My loans have tripled and when I applied for income driven repayment I was denied. I am a retried veteran and receive {$1200.00} a month for retirement pay. A {$270.00} loan payment is just not doable at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Failure to help with issues regarding a foreign currency wire transfer from family I 'm a XXXX dad and have been with Bank of America for about 10 years, receiving foreign wire transfer from family abroad on a monthly basis. My dad sent money for the Holidays ( on XXXX ) which was not received on the account after more than a week ; I reached out to BofA on XXXX where an agent told me compliance reviewed the issue and I would get the money within a day ; called back on XXXX after no receiving it and being told that compliance would reach out to me with questions. I called on Tuesday XXXX where an agent promised to reach compliance to find out what questions they needed - I got a call back from the same agent who collected some information and promised the issue was no resolved. The agent also said that compliance had noted an email sent to me on XXXX, however I could not find it in my inbox, spam folder, or deleted messages folder. On the next day ( XXXX ) I called again and was told that the compliance department still needed information - but was n't told what information, or how to provide it. After asking several times for contact information I was told that the compliance department had " no phone number '' and could only be contacted via email - but only internally. I was then transferred to a different department where an agent told me the whole process of reviewing the transfer had n't even started - and then transferred me once again back to the original department where an agent told me there was no way they could help me. I called again on Thursday, XXXX where an agent at first told me that " compliance needed information '' but that she had no way of finding out what it was. After I told her I had provided information on Tuesday she told me that " in that case they are probably reviewing that information '' but that there was no timeframe for releasing the money. I was once again told there was no way to contact anyone directly, and that the only thing she could do was request a call be made to me ( which XXXX other agents did before as well ). As a XXXX dad I depend on financial support from my family in XXXX ; because of this issue I am already late on a mortgage, and through the whole process I have not been able to talk to anyone in the department actually in charge of the problem. 

As of XXXX, almost 3 weeks after the transfer was initiated, I still have not received the money and no one from B of A has contacted me ( despite promises to cLl back within 24-48 hours given on XXXX, XXXX, and XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief