BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-08
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Good morning, I have tried to apply for a decrease in payments with American Education Services. I called mulitiple times and I was told in XXXX I was approved for a {$50.00} payment but when calling in XXXX to make a payment I was told by a representative the request was denied. I told the rep I didnt understand because I was told I was approved. I can not afford the high payments given by AES and this company continues not to make this easy. I am a single parent receiving food stamps and still works a full time job and I need some help. This situation has caused me to be hospitalized in XXXX due to the stress of not being able to afford these payments. I do not know what to do please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was submitted to Jefferson Capital System. I did not have an agreement with this collection agency. I sent a letter of verification to validate this debt on XX/XX/2022. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of XXXX distress and at the other diminishments of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX Inquired on XX/XX/2021 2021

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 2017-02-17
Company: Vantage Sourcing, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX is a greedy company to be frank. They have been harassing me by phone about a wireless internet service that I have not used in months ... very little or if any in the entire year of XX/XX/2016. I have had to file not XXXX, not XXXX, but XXXX complaints against them within the last several weeks with the FCC. I recently paid my last bill of {$65.00} for a service that I have not used in many months and cancelled the service. No one did not mention that I had anymore money to pay. Now, all of the sudden last week, I get a bill in the mail from a debt collection company called Vantage Sourcing XXXX for {$81.00} for a service that is cancelled and for a service that I have not used in many months. XXXX have sent me bills directly for years, but now all of a sudden, they send my bill to a debt collector. The only reason XXXX sent my extra bill to a debt collector is because I complained to the FCC 2 times about their harassing phone calls ... that 's the only reason! I 'm being made to pay an extra bill because XXXX is doing it out of spite, retribution, and revenge because I contacted the U.S. Government about them. After I cancelled my service, I received a statement saying my monthly fee is {$0.00}. But if I do n't owe anything, why am I being charged then??? XXXX is trying to make life hard on me, that 's why. I would like for the FCC, FTC, and the Department of Justice to investigate XXXX for their business practices ... something is not right here. The ceo of XXXX needs to be held accountable for the actions of this company period!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: AR
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:
I have been reaching out to the credit bureaus since XX/XX/2020 and still have not had any answers

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 2022-07-21
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have asked for the proper documentation numerous times from this company. Ive asked for a audit trail account notes, account ledger or accounting documents. With no reply! They are furnishing illegal information on my consumer report and has not produced the proper documentation I have asked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Each month I pay extra principal for my federal student loan. Navient refuses to apply this extra portion towards principal and has been applying this towards future payment despite my repeated requests not to have this happen. This is costing me money in the long run. Their site also says that I have the option to choose how extra capital is applied but there is nothing in the site that allows for this. They have been misallocating my payments for over 36 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed on my Equifax report that there were numerous inquires that I did not authorize. I have called on numerous occassions as well as disputed these inquiries online. I have also sent a letter on X/XX/2017 to Equifax ... <P/>I disputed on line to Equifax on X/XX/2017 stating that I did not authorize the inquiries on my Credit Report. Received notification on X/XX/2017 that " Inquiries are a factual record of file access '' I also disputed on line with Equaifx on X/XX/2017 and received notification via email on X/XX/17 that " Inquiries are a factual record of file access '' I did not authorize these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: GMA Investments, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They will not validate said they filed suit with court and Was very aggressive And I called the court and no suit Was filed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I bought a XXXX XXXX XXXX XXXX Santander USA in XX/XX/XXXX. I fell on hard times during COVID back in XXXX and fell behind on payments as a result. The car was repossessed in XXXX of XXXX because I was behind on payments. My payments were {$330.00} per month. However, I was able to borrow {$4000.00} from my parents to pay the entire balance owed plus the repossession fee which came out to be {$4000.00} a day or so after my car was repossessed. 

Shortly after getting my car back I was hired at another company and I have been making my payments on time every single month ever since. Fast forward to XX/XX/XXXX when I finally made my last car payment and the car is officially paid off. I logged onto my credit report because my score didn't look accurate. It is showing that I don't have a current car loan -- and that my car was charged off last year after I had gotten it back and had been making regular payments. It is showing up as a charge-off and has reported it as a charge-off as recent as XX/XX/XXXX ; which is greatly hurting my credit score. 

I called Santander USA on XX/XX/XXXX and the customer service agent from the XXXX Team informed me that it is against " company policy '' to correct charge-offs once it has been issued -- XXXXeven if the consumer regained the vehicle and has paid the car off. I told her that that was an illegal and unfair business practice to report inaccurate information such as a car being charged-off when it fact the consumer has paid the vehicle off. I told her that I wanted to file a complaint and she informed me that she has logged my comments and concerns on my profile. She issued me an official letter from Santander stating that I have paid the car off in full -- which I have attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: CNG FINANCIAL CORPORATION
State: MS
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 obtained a payday loan from XXXX XXXX XXXX in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX   XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXXXXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX  XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX for unfair practices and the item removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Thursday XXXX XXXX, 2015 I went to SunTrust Bank, the branch located at XXXX XXXX XXXX in XXXX, Florida. I opened a new account. Included in my itnitial deposit was a check in the amount of {$10000.00} and cash in the amount of {$2000.00}. The cash amount was broken and deposit was made into checking {$1900.00} and savings {$100.00}. I left the bank and returned the next day on XXXX/XXXX/2015 to withdraw {$1400.00} to pay some bills. I was told at this time my money had been frozen and I could not have access to my cash funds. The bank representative XXXX XXXX told me the check looked funny and they suspected to have an issue with the check. It would take 5 to 15 days for the bank to review my account. The cash money the bank held and is still holding todays date XXXX/XXXX/2015 was my monthly income to pay my bills with and to purchase gas for my car and groceries. I tried to call SunTrust Bank on Monday XXXX/XXXX/2015 to find out the status of my money. I could not get through to the bank calling the number I had been provided. I called the local phone company operator to help me with getting me through to the number. i was informed that both my home phone number and my cell number had been blocked at the account holders request. SunTrust bank allowed an employee to block my calls when they were holding my funds and would not give me access to my cash deposit. I am enclosing the notice of hold dated XXXX/XXXX/2015 that gives the reason the hold was placed on my deposit. Code XXXX states deposit exceeds clients average balance. This is a fabrication as I did not have an average balance, this was a new account. Also the notice advises my funds will be available on XXXX/XXXX/2015. This letter is dated XXXX/XXXX/2015. I did not receive this letter until XXXX/XXXX/2015 almost a week later. The next correspondence dated XXXX/XXXX/2015 received on XXXX/XXXX/2015 states my funds will be returned to me within 5 business days. 5 business days would be XXXX/XXXX/2015. As of todays date XXXX/XXXX/2015, 10 days later, still no funds. My health insurance is being terminated, my electric is due to be cut off. i have no food in the house. 

Yesterdays date XXXX/XXXX/2015 I again tried to reach SunTrust bank regarding the status of my funds. For a period of XXXX and XXXX half hours i was transferred to XXXX different people. None of the XXXX people could tell me when I would be getting my money. I want my money or a good reason my cash funds are being held and reviewed. 
I would appreciate help in gaining my money back from this bank. Do I have any recourse to recover for any damage caused by this unreasonable delay in allowing me to have my money. Also is SunTrust responsible to pay me interest on these withheld funds?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: BBVA FINANCIAL CORPORATION
State: CT
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/2020 I opened a checking account at XXXX. I did so due to a promotion that I saw on the internet stating that if I made an electronic deposit of {$500.00} or more to my checking account I would receive a {$200.00} bonus within 60 days of opening ( XX/XX/2020 ), and if I met that criteria, and opened a savings account that had a balance of {$500.00} on XX/XX/2020, I would receive a {$50.00} bonus in addition to the {$200.00} bonus for a total bonus of {$250.00}. I deposited {$500.00} electronically on XX/XX/2020 to my checking account and on XX/XX/2020 I also deposited {$500.00} to my savings account via electronic deposit. I have attached both statements to this complaint. More than 60 days have gone by since I opened the account on XX/XX/2020. In fact, it has been nearly 120 days and I have not received the bonus. I would like the {$250.00} to be deposited into either my checking or savings account without further delay. I am on social security XXXX, receiving {$2200.00} per month for myself and XXXX children. I thought that the {$250.00} I was expecting from XXXX would help my family with expenses during the covid XXXX pandemic, but I was wrong, I opened the account, and put my money in there and got nothing. It clearly states in the instructions for getting the bonus that : " Within sixty ( XXXX XXXX days of account opening, at least XXXX electronic deposit from an unrelated XXXX party, of {$500.00} or more to your checking account, and have a balance of {$500.00} in your savings account as of XX/XX/2020 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015 I reached out to a loan officer at Suntrust Mortgage in XXXX Maryland regarding a VA XXXX He quickly filed the paperwork and sent it to me. I signed the paperwork and asked my wife to hand deliver it to his office, since it is close to her place of employment. He then sent me another set of paperwork to lock in the rate. We then communicated via email that this was the rate to be locked in. Now, two months later, after hearing him complain about how busy they are, he is trying to tell me that not only is my rate not locked in ( and it would have been more than .5 % lower than what is available today ) but that he has had to add on extra fees. It has taken so long that I have had to make a mortgage payment in between, and I am concerned that they will use that fact as justification to change the deal. Since rates have gone up so much since then, I can not go anywhere else to get that deal. I was working with another company to refinance, but since my money is in a Suntrust bank, and my original mortgage was with them, I figured that I would give them the opportunity to match. They did, now they are trying to back out of it, and making all sorts of excuses. I have been in contact with the Branch Manager, who has yet to reply, the Loan Officer called me after I sent the initial email to his manager and angrily raised his voice on the phone with me. I do not want anything more or less than the deal that I signed. All of these " technicalities '' that go unexplained, and that benefit the banks, are the reason nobody trusts them anymore. I have made every attempt in the past two months to maintain lines of communication with this loan officer, and all I get is excuses, if anything at all. This is unacceptable. Suntrust Mortgage is allowing this to happen. If I had the ability to contact their executive membership, I would. Veterans, Beware. This bank, though it is XXXX of the better XXXX I have worked with, has some shady people in their Mortgage department. But, they are only human. I trust that they will eventually do the right thing. I hope. It is a savings of XXXX dollars per month, and that is quite a lot. Two months is too long for a VA " XXXX '' XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
once i called and the woman on the phone threatened me and asked very personal and invasive questions. 
then i received a letter with threatening language saying : it is our intention to settle this debt amicably, the choice is yours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on PORTFOLIO RC 's response about the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( PORTFOLIO RC XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was approved for deferment. My deferment began on XX/XX/XXXX and ends on XX/XX/XXXX. During the deferment, no payments are due. On XX/XX/XXXX and XX/XX/XXXX payments of {$120.00} were deducted from my checking account. In addition, I canceled my auto pay, and payment was still withdrawn, in spite of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AES/PHEAA
State: NY
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:
The loan was bought from a phantom bank called XXXX, which I can find no such name or prior information about. The interest on my loan has almost double the amount owed. They have only ( 2 ) options when you 're in financial destress, and once those options are exhausted XXXX claims there is nothing else that can be done to assist in repayment. They claim it is based on an agreement from the original lender which I can find no such trace of online. Thus causes your account to go into default even if you are trying to make payments. It 's unfair to purposely set people up for failure. The troubling issue is that they are holding me to a promissory note from a bank that I can not locate any information about, from, or to know that it even truly existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX Account # XXXX, 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 instructions

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 2022-07-21
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$1700.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$1700.00} ( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$550.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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