BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-04
Company: GREAT LAKES
State: VA
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:
Great Lakes is a contractor for the Department of Education. I am on an income based repayment ( IBR ) plan requiring 120 months of on time payments under the Public Service Loan Forgiveness Program. Great Lakes is skipping one payment every year while they " set up a new payment plan '' and then the payment gets added to the end. Because the payments only get higher every year on the IBR and the interest is accruing, this means a significantly longer time to pay ( an additional 10 months if totaled ) and at an increased amount due to the skipped lower payment, higher back end payment and accrued interest. I was making a monthly payment on the XX/XX/XXXX. This year, they approved my IBR in XX/XX/XXXX, informed me in XX/XX/XXXX, skipped the XX/XX/XXXX payment and then started the higher payments due on the XX/XX/XXXX of each month. Today I attempted to correct their mistake and they told me I was wrong in my point and told me nothing could be done and that correcting the mistake by making an extra payment to cover XX/XX/XXXX would n't count for my Public Loan Forgiveness Plan. This issue has been identified by the Department of Education and XXXX has lost their contracts for the same problems. They are intentionally skipping one lower payment each year in order to add it to the back end for higher payments. This feels like an unfair practice since at no point in time is the loan being " reserviced '', " refinanced '', changing hands or doing any of the other things that normally triggers a financial institution change billing cycles or amounts. However, even if this were the case, they approved me in XX/XX/XXXX, Notified me in XX/XX/XXXX, took XX/XX/XXXX payment, skipped XX/XX/XXXX and billed XX/XX/XXXX. There is no reasonable way that they needed almost 4 months to set up a new payment plan. Please address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX, XXXX does not have a XXXX XXXX XXXX credit card and he has not lived a XXXX XXXX, XXXX, AL. Would appreciate having this corrected. Look forward to hearing regarding this correction.

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 2017-03-29
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint relates to my loan servicer, Seterus , Inc . Since Seterus began servicing my loan, I have been extremely dissatisfied with their lack of customer service and inaccurate/incomplete reporting on the payment of my mortgage status to the credit reporting agencies. At this time, I am attempting to secure a refinance of my loan with another lender. However, the process has now dragged on for 6 months and the primary road block in the process has been the incomplete and inaccurate reporting on the payment status of my mortgage by the servicer, Seterus. Although it is now late in the month of XX/XX/XXXX, Seterus has not reported any information on the payment status of my loan since XX/XX/XXXX which happens to coincide with the first notice they were given that I intended to refinance the loan elsewhere by requesting a payoff quote. Additionally, the interest rate on my loan is set to increase 1 % on XX/XX/XXXX and Seterus has financial gain at stake by causing delays in information reporting on my loan to the credit reporting agencies. 

The lender that I am attempting to secure a refinanced loan with has received written transaction records of my mortgage payments for the past 12 months noting that they have been made on time ( within grace period ) and they are now pursuing a rapid rescore related to my payment history with the credit reporting agencies. However, this situation is ridiculous, unfair, and causing me to have to pay into a mortgage that is not aligned with my best financial interests as a consumer. 

In addition to what has been stated above, Seterus, Inc. negatively impacted my efforts to refinance by sending an inaccurate " Verification of Mortgage '' document on XX/XX/XXXX showing that my loan has been late 5 times in the past 12 months but they do not specify which months they are recording as late and they note my loan as " current ''! Furthermore, Seterus has not reported any late payments to the credit reporting agencies related to my loan since they began servicing it because it would be false reporting since I have been making my payments within the grace period of the due date for my loan while they have been servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After I made my monthly mortgage payment to Chase in the amount of {$1300.00}, due on XXXX XXXX, 2015, Chase sent me another bill, dated XXXX XXXX, 2015, stating the same amount is due on XXXX XXXX, 2015. I phoned on XXXX XXXX, 2015 and spoke with " XXXX '', who said, if I want a written explanation, I must first make a request in writing. Chase is attempting to obtain multiple payments by misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Traded an online friend for a game and he never held up his side of the bargain and took my money. Essentially scammed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: U.S. BANCORP
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased XXXX {$200.00} MasterCard prepaid cards at XXXX. When I tried to use them about 2 weeks later, almost all of the money had been drained from the cards. I contacted the card issuer, U S Bank customer service and was told to submit copies of the receipts and affidavits that I did not use the cards myself. I was told it would take 45 days to get merchant verification and refund my monies. I was sent XXXX new cards. Only XXXX has XXXX on it. Another one has XXXX. When I check the balance on the other ones, I am told that the information ( card number, expiration date ) is not valid. I am now out {$990.00}. The request was made to replace or restore the balance on XX/XX/2016. I have not used any of the replacement cards.

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 2017-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been battling with Equifax for over one year now with disputing over and over an account that was as a result of identity theft. They claim that it 's been verified but that impossible because I never lived at what apartment that company XXXX says and I was in a different city. So basically Equifax looks like they have a business relationship with XXXX and they get paid to keep items on credit reports NO MATTER WHAT. This is very upsetting, and I hope Equifax 's will try to help some of those people that need it. It 's been over 30 days and I still have not received the procedures for verified account, and they 've been dragging on the past sometimes the 45-day mark. I 've attached a police report and other stuff. That this place said, they needed. 

Thank you CFPB! Please keep finding Equifax for deceptive practice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 a Chase Quick Pay was created from my husband 's, XXXX XXXX XXXX, Chase Account # XXXX for {$550.00} to go to my personal account to XXXX XXXX, Chase Account # XXXX. When I never received notice that money was transferred, and I never received it in my account, I investigated. I was told that on XXXX/XXXX/2015 it was transferred via XXXX account to XXXX XXXX, account ending in XXXX, with my email address XXXXXXXXXXXX. I did n't know anything about a XXXX account and I do not have any account ending in XXXX. I have exhausted all my efforts to retrieve this money. Chase says it has transferred and can not be refunded. XXXX XXXX said it was never received and that it is an issue with Chase. My husband is a XXXX veteran and we can not afford to have {$550.00} vanish from our accounts. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I send in the disputed to the credit bureau for inaccurate information on my credit report. they responded back saying the verified the information. I also sent a letter to the company that stated they do n't report to the CB.How can the verified information that not report to the CB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I wanted to pay off an existing installment loan from Avant because of the exorbitantly high interest rate of 36 %. I requested a payoff amount on XXXX XXXX and received a pay off of {$13000.00} that was good through XXXX XXXX. When I went to pay it off on XXXX XXXX BEFORE the date the {$13000.00} was good through, of course the payoff amount is more. This is unfair because Avant told me one payoff amount and switched it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Becker and Klein, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was contacted by Becker and Klein stating i owe money on a XXXX XXXX cc. They stated it was from XX/XX/XXXX they threatened to take money straight from my paycheck. I got scared and was not sure if i really did owe and did not want any problems so i started paying. Although i kept feeling i might be getting scammed, they now changed there company name to XXXX XXXX XXXX. I actually paid the whole thing off the total was {$940.00}. My problem now is i asked for something in writing stating that i was paid in full. They said we can send an email and hard copy which would you like. I said both its been over a week and i still have not received my proof of payment. I am now worrying that this was just a scam and not sure what to do next. I have a copy of the original email stating the payment breakdown, and phone numbers i have used to contact them. I also have bank statements with proof of my payment! I will try to call again on Monday but i thought i should reach out just in case this really is a scam. I am a hard working single Mom and would to hate to think i just got scammed. Any help would be highly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 had made a transfer from my business to my personal BOA account ending XXXX which would cover my mortgage, however what I wasnt aware was that this transaction did not go through. 
Thus my BOA account went into overdraft when mortgage auto payment hit and then my credit card automatically covered the account on his checking account overdraft. 
I didnt realize that and that increased my minimum payment that month. I have had Bank of America set to take out a minimum payment, it normally takes out {$100.00}, however the auto withdrawal amount did not auto adjust when the minimum payment became higher after that. 
Additionally, I was also out of the country visiting XXXX at the time, so I had to be quarantined for some time while there and I was not able to find out about this issue until much later. 
I have multiple accounts with Bank of America and have a decades old relationship, Im requesting that this late payment be removed, given the fact that I was overseas and the fact that BOAs system did not adjust to the minimum payment, which was beyond my control at the time. 

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 explanation
Consumer complaint received 2017-04-04
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Upon review of my savings account, I do see that the {$190.00} that was found to have been deposited in someone else 's account was correctly deposited into my savings account on XX/XX/2017 as BBT indicated in their response to a recent complaint ; however, they failed to reimburse me for a late fee in the amount of {$9.00} that was assessed on the loan account on XX/XX/2017. I paid that fee from savings on XX/XX/2017 so that additional fees would not be assessed on the loan while BBT researched the missing deposit. That late fee would not have been assessed had the deposit been credited to my account when received in XX/XX/XXXX. I would like BBT to credit my saving account immediately in the amount of {$9.00}, the late fee assessed on my loan.

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 2022-02-01
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a validation letter to Equifax to validate a debt. They sent back a letter each time stating the debt was verified. I also asked Equifax to send me copies of any and all documents they used to verify this account # XXXX from XXXX. This is violation of my consumer rights. 
XXXX US code XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Restriction on sharing of medical information and XXXX XXXX XXXX XXXX ( XXXX ) also XXXX XXXX. XXXX ( a ) ( XXXX ) Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2016-09-04
Company: DYNAMIC RECOVERY SERVICES, INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dynamic Solutions XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Attempting to collect zombie debt. I have filed a complaint with my State Attorney General, documentation was sent proving SOL has expired. 

Review found on the internet : Just received a call from this 'company ', robocall and then probably a 45 second pause to a live person asking for my husband. I said WHO IS THIS? The lady responds DYNAMIC RECOVERY SOLUTIONS? May I leave a message for your husband? I said no, this is a scam call, she said OK Mam, goodbye. Yeah, blocked that number. I do n't have unpaid debt out there. Probably something that 's over 15 years old. Ridiculous. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a call from a XXXX with Dynamic Recovery Solutions, He left an XXXX but also a local number XXXX on XX/XX/2015. 

He had ALL of my information. My previous address, my social security number and said I owed for a XXXX XXXX credit card. He said he would be sending me a statement in a plain white envelope. I called the XXXX XXXX credit card fraud division and they confirmed they found nothing with my name, address or ssn. 
I called XXXX back and he answered! I informed him I spoke with XXXX XXXX fraud division who stated they do not sell debt or use outside collection agencies. This fool says, they did this is a 14 year old debt! I said you have got to be kidding, I am calling the police and I have never heard from him again! And Ii never received that plan white envelope either.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30
Company: CNG FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Told them on phone this was place of employment do not call this company number. Calls 3 times a day every day. This is logged on my XXXX phone. I am XXXX and asked for letters by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : CHASE AUTO I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I closed my credit card account with Citi on XX/XX/XXXX. I paid the account balance in full on XX/XX/XXXX.The last statement was due on XX/XX/XXXX so I now realize this was late. I was charged interest of {$3.00} and a late fee of {$25.00} on XX/XX/XXXX ( the day after I paid the account balance in full and two days after the XXXX statement was due ). Of course I did not realize I was charged because I did not know the bill was paid late and I had though that I had paid the account balance in full ( not just the statement amount ). Since then I 've been charged an additional late fee of {$25.00} and an additional interest charge of {$0.00}. I asked them to please remove the late fees since this was clearly a misunderstanding, I had never paid a bill late before, and had already attempted to close the account. Citi told me that they can not waive the late fees because my account was closed. I feel that I am being penalized for closing the account. The terms also say : " The amount of your late fee will never be higher than your Minimum Payment Due '' which is not true in my case since the minimum would have been the interest charged. Also, I was told that my account did not have " Courtesy Late Fee '' removal because I earned miles using the card ( though other Citi cards do ) and that is not listed in the terms of agreement.

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 2017-03-31
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My lender is telling me I owe almost {$12000.00} in attorney fees to them and refuses to give me any kind of accounting as to what the charges are for and why the amount is so high.

Company response to consumer: Closed with explanation