BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX allowed fraudulent charges to amount to {$1000.00} for service to an address I 've never lived. I thought the matter was settled with XXXX, I sent them : 1. Police report 2. proof of residency during the time the charges happened. 
3. proof of employment 4. a " fraud packet '' They then sold my debt to a collections agency that just sent me a notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted an employment certification form to qualify for public service loan forgiveness multiple times, and Fedloan Servicing refuses to process this form. I submitted it in XXXX, XXXX, and again in XXXX, and they do not update my payment count. I have messaged and emailed them repeatedly, and they do not update my payment count.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
Received a {$50.00} check drawn on Key Bank ( routing # XXXX ) which I presented for payment XXXX XXXX, 2016 in their XXXX, OR branch. They refused to honor/cash the check unless I paid a {$5.00} fee. Is this legal? 
I deposited the check into my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TCF NATIONAL BANK
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Gateway Lending is reporting inaccurate and erroneous information regarding a loan that I had with them. Traded in this vehicle and asked for the payoff, the payoff amount was submitted in writing to XXXX XXXX XXXX. After the trade in transaction was completed they reported to the credit bureaus that I owed them over XXXX in arrearage to. In addition to this this company knowingly repossessed the car at one time knowing that it was in an active bankruptcy and that they were breaking federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please note that I have tried every possible way to resolve this matter amicable over the past 5 years. I have used attorneys and attempted to resolve the matter with the courts. At this moment I have faced XXXX foreclosure sales both of which i was able to stop and the XXXX is now scheduled for XXXX XXXX, XXXX. In an effort to stop this one my attorney asked me to file this complaint and if that did not work I was going to file another montion and or a lawsuit against the bank and the lawfirm for illegally attempting to foreclose on my property all teh while I have been in negotiations with both the attorney representing the bank as well as in negotiations and discussions wiht the loan servicing company. As of date i have submitted an offer letter to settle the loan in liuie of forelosure, i have submitted to the Attorney a offer letter in writting and in email format and to teh servicing company Financial information for my current fiscal year XXXX and tax information for XXXX, XXXX and XXXX fiscal years including a letter of representation from my accountant. I have email and faxed the document multiple times. As such the representative from the servicing company assured me that the foreclosure would be stopped and to this date it is still pending. I am writting to you to assist me with stopping this foreclosure procedding and investigating as I am compelled to clain that they are violating my right and potetntially ignoring my efforts to settle this matter amicable. 
As I have stated I have spent money on attorney to assist me and yet still they do not work in any minigful way to resolve the loan default status. I continue to waste money and time fighting this. I have made an offer of XXXX to settle a loan amoutn of XXXX but to now I can not get a response from any one including the attorney of record and the bank or its servicing company. 

Please not if I can not get assistance in stopping this foreclosure, i ahve instructed my lawyer to suit the attorney and the bank for violating my right under the protections granted me under teh Consumer Financial protection act. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Tuesday XXXX XXXX my bank Wells Fargo sent me a email. Stating that I was charged an amount of {$270.00}. For a transaction correction I contacted my bank. To address the problem at hand. I spoke to an operator she told me she wasnt sure, why that was appearing on my bank statement. So then I was placed on hold for 10 minutes so she could speak with a supervisor. to figure out what was going on with the ( transaction correction ) on my account. I was then told that the amount of money was due to a check. That was deposited a year ago she explained, that she wasnt sure why it took this long for that check to finalize. She informed me that it could be either due to the insufficient funds, the check could have bounced, or that the bank credited me the money. From that check and the only option that they presented. to resolve this ordeal. Was to send me a record of my bank statement. for that check from a year ago. Now do to negligence of Wells Fargo I would have to pay the amount of {$270.00} For what happened. they told me that they will be sending me the form. in one or two business days. This isnt the first time my bank does this to me. Im getting sick and tired of this behaviors from behalf of my bank!

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: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I spoke with Equifax on XXXX/XXXX/15 and asked them when the following accounts would be removed from their credit reporting. I was given the dates listed below in XXXX and XXXX of 2015. These dates are all past the 7 year mark and they all should be removed no later than XXXX 2015. I was told my only option was to dispute them which I did. The results are attached. 
Problem : Every time I call Equifax I get different information. 
These removal dates are all incorrect. They should be XXXX 2015. 
Equifax has told me they base the removal date on the DATE OF LAST ACTIVITY. This date is blank on every item listed in the attached report! When I ask what constitutes the date of last activity I get varying answers! I disputed all the accounts below but they only processed some of them. 
As can be seen from the information below Equifax, XXXX and XXXX all are using different dates. Am I to assume these companies are reporting different dates to each credit bureau? This makes no sense. 
Account # Equifax XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 Not Reported DeletedThese dates need to be fixed and the accounts deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Sun Trust bank account in 2011 while attending college at University XXXX XXXX Florida. They activated my student ID as my debit card when I opened the account. I got my school refund to the account, and had been using my student id card to access the account. The banker who opened my account put the wrong mailing address for the account, they mailed a debit card, and pin number to the incorrect address. A couple weeks after opening the account, the debit card they sent drained the account of all funds. I filed a police report when i found the account was empty. The police report was closed, without finding out who stole my money. Then SunTrust instead of refunding my money, closed my account, and told me I Must of committed the fraud on my own account. Not only did they imporperly close my account, they added me to a credit reporting company called XXXX, They have placed information on my XXXX file stating that I attempted to defraud the bank, which prevents me from opening a bank account anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
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:
I pulled out a private loan around 2006 for $ XXXX it is now doubled to $ XXXX. I was never told it was a private loan, I thought it was a federal loan. Now my payments are about {$400.00} a month too much for me to handle and my balance is n't even decreasing after paying for over a year. I 'm trying to work with the servicer but they are not giving me any options. I would like a lower payment and interest rate where I can actually see my balance decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CA
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 act XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX XXXX  # XXXXXXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX XXXX # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. 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 explanation
Consumer complaint received 2016-03-04
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
a few years ago I had went to college and had gotten through with student loans. I had moved a few times as student loans came due and had missed ONE payment. Once I had realized the payments were due I started paying them faithfully every single month after that one was late I have never been late since. I pay one payment a month for my student loans, the one I was late on they reported NINE times and has ruined my credit. Its not fair to report a one time payment nine separate times. I have spoken to both fed loans and the ombudsman group and have gotten no where. I would understand one late payment on my report but not nine. I would recommend them to no one it truly will wreck someone 's life as it has mine. This is holding me back from buying my family a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: SUNTRUST BANKS, INC.
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My father is a XXXX veteran XXXX. Recently his XXXX van broke down and needs to be replaced. My father is XXXX XXXX and receives benefits from the VA. He has the funds to purchase a van, but with his XXXX, it does n't need to be brand new $ 20,000- {$30000.00} vans from car lots. I have been finding great deals from individuals that have lost loved ones and no longer need the vehicles. THE PROBLEM we are running into is the vehicles are not appraising through kelly blue book for the loans, because the banks will not consider the XXXX adaptions that have been added. I even had the receipt where the equipment was added in XX/XX/2009 for {$30000.00} for XXXX of the vehicles i was trying to purchase for {$11000.00}. and they still denied it because the plain van only booked for {$5200.00}. What about the {$30000.00} that was added to it??!!!! I am amazed that dealers can sale these at car lots and will go right through the bank, but someone that needs to sale it for hardship and MY FATHER NEEDS IT!! i do not want to go out and buy a {$30000.00} car for someone that is as sick as my father is. Then i will be XXXX of these people that ca n't sale it to anyone BECAUSE banks wont loan on them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The loan servicer Federal Loan Servicing is the most incompetent company I have ever worked with. They have consistently given me the wrong information over the phone, did not send me important information when I was denied XXXX program, delayed communication, suggested that I let my account go delinquent while they processed information, and the list goes on! Their customer service providers gave half-information, told me to wait for weeks, and then I was forced to pay higher than I should have payments due to their incompetence. I want to change loan servicers. Please tell me how! And get rid of Fed Loan Servicing. They are part of the student loan problem! Not the solution!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: SUNTRUST BANKS, INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Suntrust Bank and its affiliated debt collection companies have contacted me through mail and phone numerous times over the past year. At XXXX point they were calling me daily and getting letters once a month. I have sent XXXX certified letters explaining that this is not my debt and provided information showing that this is not my debt as I do n't match that person 's social security, date of birth, place of residence, place of employment, etc. They continue to contact me through various other collection agencies for the same debt. I have spoken to XXXX representative as well and given her my required information and still my issue has not been resolved.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-10-16
Company: AES/PHEAA
State: DE
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 recently rehabbed my student loans, and Fed Loan Servicing transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
" FedLoan Servicing '' received my request to recertify my income-driven repayment plan on XX/XX/XXXX ; on XX/XX/XXXX, I received notice that " At this time, we [ FedLoan Servicing ] are currently experiencing a high volume of IDR requests. '' This continues a consistent pattern of communication lags around IDR recertification requests of at least one complete billing cycle -- seemingly pushing back their need to communicate around IDR recertification requests sufficiently long that borrowers ' IDR plans will lapse, and borrowers will need to make full payments ( this occurred last year, as I received multiple requests for information that FedLoan Servicing admitted to *not* needing -- I had mistakenly noted that I had been married during the last year, but as we were not filing our taxes jointly as yet, this would not impact my payment levels ; however, because I had *noted* the change, FedLoan Servicing insisted that I submit all of my wife 's financial documentation, and repeatedly rejected it ( she is an XXXX, and thus could not provide documentation from her employer ). However, at least three to four weeks were allowed to elapse between each communication I received from FedLoan Servicing, maximizing the number of billing cycles during which I was forced to make full payments after my IDR plan had lapsed. It now appears that FedLoan Servicing is engaging in similar delaying tactics this year, waiting over a month to respond to my IDR recertification request, and then only to make the excuse of " high volume '' and provide *no* estimate of when this request will be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank account was charged XXXX overdraft fees when only one should have been charged. XXXX payments posted to the account on XXXX/XXXX/15. These were for {$94.00}, {$17.00}, and {$10.00}. However, Suntrust posted the largest payment first causing the account to go to - {$1.00}, and then proceeded to post the other XXXX payments. Because of this, XXXX overdraft fees were changed. If the smaller payments would have been posted first, only XXXX overdraft fee would have been charged. When contacted on XXXX and XXXX, the XXXX of the XXXX stated that it was there policy to post the largest payment first, even though it may cause extra overdraft fees to be charged. Additionally, they said it was their policy to only refund XXXX overdraft fee, which they did. This is an abusive policy that is only in place to inflect the maximum number of overdraft fees. They said it was so the most important thing will be paid, but if that was the case, the other items should not have been paid because the account was overdrawn. Suntrust should not be allowed to have a policy that is only in place to cause a significant number of overdraft fees when an account goes into the negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
on my XXXX report it is showing an address that I previously lived at, that is not mine at all. This is recent activity, and I see it as means of a fraud or possible identity theft. I would like it looked into right away.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: SUNTRUST BANKS, INC.
State: SC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation